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After a DUI or Violation in Virginia: What Happens Next

Virginia requires 50/100/25 liability coverage and is an at-fault state.

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Virginia at a Glance

50/100/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

Uninsured motorist coverage must be on every policy

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Virginia

After a DUI conviction, license suspension, or serious violation in Virginia, your current insurance carrier will typically issue a non-renewal notice — not an immediate cancellation. This means coverage continues until your policy term ends, but you must find a new carrier before that date. Virginia typically requires drivers with certain violations to maintain an FR-44 or SR-22 certificate for three years, proving continuous coverage at state-mandated minimum liability limits. Missing this requirement or allowing coverage to lapse resets the filing period and extends your suspension.

FR-44 Certificate

An FR-44 is not insurance itself — it is a certificate your insurer files with the state proving you maintain the higher liability limits Virginia requires after a DUI. Not all carriers offer FR-44 filing, so you'll typically need to work with a non-standard or high-risk insurance carrier.

SR-22 Certificate

An SR-22 is a certificate your insurer files proving you carry Virginia's minimum required liability coverage after certain violations. It is required for suspensions related to driving uninsured, accumulating too many points, or certain other offenses. Like FR-44, it must be maintained without lapse for the duration specified by the state — typically three years.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record. These carriers accept the risk standard insurers decline and are typically the only option for drivers who need FR-44 or SR-22 filing. Premiums are significantly higher than standard market rates.

High-Risk Auto Insurance

High-risk auto insurance is designed for drivers classified as high-risk due to violations, DUIs, accidents, or license suspensions. Policies are typically offered by non-standard carriers and include the required state filing if needed. Rates reflect the increased likelihood of future claims based on your driving record.

Liability Insurance

Liability coverage pays for damage you cause to others in an accident. Virginia requires all drivers to carry minimum liability limits, and those limits increase substantially if you need FR-44 filing after a DUI. You cannot legally drive in Virginia without maintaining these minimums, and proof of coverage must be filed with the state if you have a suspension or certain violations.

What Drivers Pay in Virginia

$200–$210/mo

Typical monthly rate in Virginia, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Filing requirement — FR-44 filing for DUI typically results in higher premiums than SR-22 filing for other violations
  • Age and driving history — younger drivers or those with multiple violations face steeper increases
  • Carrier availability — fewer carriers offer coverage to high-risk drivers in Virginia, reducing competition and increasing rates
  • Location within Virginia — urban areas such as Richmond and Virginia Beach typically see higher rates due to higher accident frequency
  • Time since violation — rates begin to decrease after three years and normalize after five to seven years
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, violations, suspensions, or accidents on their record. Sold by non-standard carriers that specialize in high-risk profiles and offer the required state filing.

Non-Standard Auto Insurance

Policies from carriers that accept drivers standard insurers decline due to violations, lapses, or suspensions. Premiums are higher but coverage is available when standard market options are not.

FR-44 Insurance

A certificate filed by your insurer proving you maintain higher liability limits required by Virginia after a DUI. The filing itself costs $15-$50, but the underlying policy premiums are significantly higher.

SR-22 Insurance

A certificate proving you carry minimum liability coverage, required after certain violations or suspensions. Not all carriers offer SR-22 filing, so you may need to switch to a non-standard insurer.

Liability Insurance

Coverage that pays for damage you cause to others. Required by law in Virginia, with higher minimums if you need FR-44 filing after a DUI.

Find Your City in Virginia

Virginia Beach

urban

Chesapeake

suburban

Arlington

urban

Norfolk

urban

Richmond

urban

Newport News

urban

Alexandria

urban

Hampton

urban

Roanoke

urban

Portsmouth

urban

Suffolk

suburban

Lynchburg

urban