State Requirements
Virginia requires minimum liability coverage of 25/50/20: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage. Drivers convicted of DUI or refusal to submit to a breath test must file FR-44 proof of insurance, which requires double the state minimums (50/100/40). Drivers with serious violations, license suspensions for points, or uninsured accidents may be required to file SR-22 instead. Both forms carry a 3-year filing requirement and reset if coverage lapses.
Cost Overview
High-risk auto insurance premiums in Virginia are driven by violation type, required filing (SR-22 vs. FR-44), and the elevated liability limits mandated for FR-44 policies. A DUI conviction increases premiums by an average of 180–220%, while at-fault accidents add 40–80% and major moving violations add 25–60%. FR-44 policies cost more than SR-22 policies due to the doubled liability minimums, even before surcharges are applied.
What Affects Your Rate
- Violation type: DUI convictions result in the highest surcharges, followed by reckless driving and at-fault accidents
- Filing requirement: FR-44 policies cost 20–40% more than SR-22 due to doubled liability minimums
- Years since violation: Premiums drop 15–25% once a DUI reaches 3 years old, and 40–60% after 5 years
- Location: Northern Virginia (Fairfax, Arlington, Alexandria) has higher base rates than rural areas due to population density and accident frequency
- Prior insurance history: A lapse in coverage before the violation can add an additional 10–30% to premiums
- Credit score: Virginia allows credit-based insurance scoring, which can increase premiums by 20–50% for drivers with poor credit
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Proof-of-insurance filing required for license reinstatement after non-DUI suspensions, habitual offender status, or serious violations. The SR-22 itself costs $15–$50 to file, but premiums average $2,400–$4,200 annually due to the underlying violations.
Liability Insurance
Covers injuries and property damage you cause to others. Virginia's 25/50/20 minimums leave you personally liable for costs above those limits in serious accidents.
Uninsured Motorist Coverage
Covers your injuries if you are hit by a driver with no insurance or insufficient coverage. Virginia requires insurers to offer UM/UIM, but you can reject it in writing.
FR-44 Insurance
Virginia's high-risk filing for DUI and refusal convictions, requiring double the state's minimum liability limits (50/100/40). Not all carriers offer FR-44 policies.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident, regardless of who is responsible. Required by lenders, but optional if you own your car outright.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations who cannot obtain coverage from standard carriers.
