The cheapest FR-44
insurance in Virginia.
Court or DMV says you need FR-44 after a DUI? We file it with the Virginia DMV the same day, with or without a car.
- Licensed Virginia agency
- Same-day DMV filing
- With or without a car
4.9/5 from 500+ Virginia drivers
Drivers reinstated
Average rating
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Get your Virginia FR-44 quote
Tell us a little and a licensed Virginia agent calls you back with your lowest price. Same-day DMV filing, with or without a car, even if your license is suspended.
- We compare 10+ carriers for you
- Same-day FR-44 filing with the Virginia DMV
- Owner and non-owner options
- No pressure, no judgment
Prefer to talk now? Call (571) 746-5446, Mon-Sat 7-7.
Takes about a minute.
Told you need FR-44? Take a breath.
An FR-44 notice is stressful, and the prices you have seen elsewhere probably made it worse. We handle this every day for Virginia drivers, and most pay less than they feared. No judgment, no runaround. Just a quick quote and a same-day filing so you can get your license back.
What FR-44 actually is
FR-44 is not a separate policy. It is a certificate your insurer files with the Virginia DMV to prove you carry the higher liability limits Virginia requires after a DUI or DWI. Only two states use it: Virginia and Florida. You keep it active for about three years with no lapse, and we handle the filing for you.
- Required after a DUI or DWI to reinstate your license
- Higher liability limits than a standard policy
- Filed electronically with the Virginia DMV, usually the same day
- Available with or without a vehicle
Choose your FR-44 coverage
Own a car or not, there is a Virginia FR-44 option that fits. We shop multiple carriers to find your lowest price.
Owner FR-44
Full auto coverage plus the FR-44 certificate Virginia requires when you own a vehicle.
- Meets Virginia’s required FR-44 liability limits
- Same-day DMV filing
- Optional comprehensive & collision
- Flexible monthly payment plans
Non-owner FR-44
No car? You can still reinstate your license. Non-owner FR-44 covers you as a driver.
- Our lowest-cost way to meet the requirement
- Covers you in borrowed or rented cars
- Same-day DMV filing
- No vehicle required
Need SR-22 instead of FR-44? We file those too, with the lower coverage limits SR-22 requires for offenses like driving uninsured or reckless driving.
Virginia drivers choose us first
We only do high-risk auto insurance in Virginia. That focus is why we are fast, and why we are usually cheaper.
Virginia drivers reinstated and back on the road.
Virginia specialists
Not a 50-state call center. We know the Virginia DMV process cold.
We shop 10+ carriers
You see the lowest price for your record, not the most expensive one.
Same-day filing
Your proof of insurance reaches the Virginia DMV the day you are covered.
No judgment, ever
Straight answers and a fair price, every time you call.
How getting FR-44 works
Three steps, often done the same day. We keep the paperwork off your plate.
1. Request a quote
Fill out the short form or call us. We only need a few basics to start, and there is no obligation.
2. Choose & purchase
Pick the coverage that fits your budget. Flexible monthly payment plans are available.
3. Same-day filing
We file your FR-44 with the Virginia DMV the same day and send your proof of insurance right away.
FR-44 insurance across Virginia
We serve drivers in every corner of the state, from Northern Virginia to Hampton Roads to the Blue Ridge. Wherever you are, the filing process is the same and we handle it for you.
Real drivers, back on the road
After getting a DUI, I was overwhelmed trying to figure out what to do about FR44 insurance. FR44 Insurance of Virginia made the whole process so easy. They explained everything clearly, and best of all, their prices were way lower than what I was seeing elsewhere.
Evan helped out a lot and got me a great rate on the FR44. I called a bunch of other places and they couldn’t help me because I needed FR44 insurance.
When I needed FR44 insurance, I was shocked at how expensive some companies were. FR44 Insurance of Virginia gave me a quote that was not only affordable but also came with better coverage than others I looked at. They clearly know their stuff.
Trusted by 5,000+ Virginia drivers
Licensed Virginia insurance agency
FR44 Insurance of Virginia is based at 10560 Main St, Fairfax, VA 22030. Open Mon-Sat, 7:00 AM to 7:00 PM. Every guide on this site is reviewed by a licensed Virginia insurance agent.
Frequently asked questions
Both are certificates your insurer files with the Virginia DMV to prove you carry the required liability coverage, and neither is a separate policy. The difference is the offense and the coverage level. SR-22 covers violations like driving uninsured, reckless driving, or too many points, at standard minimum limits. FR-44 is specific to DUI and DWI convictions and requires higher liability limits. Only two states use FR-44: Virginia and Florida.
There is no single price. It depends on your record, age, location, the vehicle, and the coverage you choose. The DMV filing itself is a small fee; what raises your cost is the higher liability limits FR-44 requires — Virginia sets these at 100/200/50 ($100k per person, $200k per accident, $50k property damage) — plus the DUI on your record. The quickest ways to lower it are to compare carriers, which we do for you, and, if you do not own a car, to consider a non-owner FR-44. Ask for a quote and we will give you a real number.
In Virginia, FR-44 generally must be maintained for about three years with no lapse in coverage. If your policy lapses, your insurer notifies the DMV and your license can be suspended again, so keeping it active is what protects your reinstatement. Confirm your exact required period with the Virginia DMV.
Yes. A non-owner FR-44 policy covers you as a driver when you do not own a vehicle, and it meets the same Virginia filing requirement. It is usually the most affordable way to reinstate your license, and it is common for drivers who sold their car or drive borrowed or rented vehicles.
Often, yes. As the DUI ages on your record and you build a clean driving history, the surcharge tends to ease. Staying continuously insured with no lapses helps, and re-shopping your coverage at each renewal makes sure you are not overpaying as your record improves.
Usually the same day. Once you choose a policy, we file your FR-44 electronically with the Virginia DMV and you get proof of insurance right away, which is what you need to keep your reinstatement moving without waiting.
Get your Virginia FR-44 quote today
Same-day DMV filing, with or without a car. Talk to a licensed Virginia agent in minutes, even if your license is suspended.