A DUI or DWI conviction in Virginia can seriously disrupt your life—but getting back on the road legally is possible with the right support. If you’ve been told you need FR-44 insurance, we’re here to help. At Brett J. Allen Insurance Agency, we specialize in affordable, same-day FR-44 filings to get your license reinstated quickly—and at the best possible rate.
What Is an FR-44 in Virginia?
An FR-44 is a certificate of financial responsibility required by the Virginia DMV for DUI and DWI-related offenses. Unlike standard SR-22 forms, an FR-44 requires double the minimum liability insurance:
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$100,000 bodily injury per person
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$200,000 bodily injury per accident
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$50,000 property damage
These high limits make FR-44 insurance more expensive than regular car insurance—but working with the right agency can help minimize the cost.
Who Needs FR-44 Insurance in Virginia?
You may need to file an FR-44 if you’ve been convicted of:
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Driving under the influence (DUI)
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Driving while intoxicated (DWI)
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Operating a vehicle with a suspended license related to alcohol
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Refusing a breathalyzer under implied consent laws
This requirement typically lasts 3 to 5 years, depending on the offense. Your insurer will submit the FR-44 electronically to the DMV, which allows you to reinstate your license and vehicle registration.
Why FR-44 Insurance Costs More—And How We Help
The required higher limits are the main reason FR-44 insurance is more expensive. Additionally, DUI/DWI convictions place you in a high-risk category.
But that doesn’t mean you have to overpay.
We shop multiple top-rated carriers to find the best rates—many of which offer competitive pricing for FR-44 drivers.
We understand Virginia’s FR-44 rules and timelines, so we make sure your policy is DMV-compliant.
We offer non-owner FR-44 policies if you don’t currently own a car but still need to reinstate your license.
We file your FR-44 electronically the same day, so you don’t have to wait weeks for the DMV to process your paperwork.
We offer flexible payment plans, including low down payments and monthly options to help you stay covered.
How to Get FR-44 Insurance in Virginia
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Contact us – Call or request a free quote online.
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We find the right policy – Based on your needs, driving history, and whether you own a vehicle.
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We file your FR-44 form – Instantly with the DMV, so you can move forward.
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Stay covered – Maintain continuous coverage for the required time period. Don’t let your policy lapse.
FAQs: FR-44 Insurance in Virginia
Q: How long do I need FR-44 insurance?
A: Typically 3 years for first offenses, and longer for repeat violations. Always confirm with your DMV or court documentation.
Q: What happens if I cancel my FR-44 policy early?
A: Your insurer will notify the DMV, which may result in license suspension and restarts your compliance period.
Q: Can I get FR-44 insurance if I don’t own a car?
A: Yes—non-owner FR-44 policies are available for drivers who need to reinstate their license but don’t currently have a vehicle.
Q: How much does FR-44 insurance cost in Virginia?
A: Rates vary, but DUI convictions significantly raise premiums. However, we specialize in finding affordable options for high-risk drivers.
We Serve Drivers Across Virginia
No matter where you are in Virginia, we’re here to help:
Central Virginia:
Mechanicsville, Richmond, Hanover, Ashland, Montpelier, Atlee, Powhatan, Goochland, Manakin Sabot, Oilville, New Kent, Quinton, Providence Forge, Lanexa, Charles City, Dinwiddie, Prince George, Disputanta, Highland Springs, Lakeside, Tuckahoe, Sandston, Glen Allen, Short Pump, Varina, Chester, Midlothian, Bon Air, Matoaca, Brandermill, Woodlake, Hopewell, Petersburg, Colonial Heights
Southeastern Virginia:
Norfolk, Chesapeake, Virginia Beach, Portsmouth, Suffolk, Hampton, Newport News, Williamsburg
Northern Virginia:
Fredericksburg, Stafford, Bristow, Quantico, Manassas, Woodbridge, Ashburn, Leesburg, Arlington, Herndon, Reston, McLean, Tysons, Alexandria
Get FR-44 Insurance and Reinstate Your License—Today
We make a tough situation easier. Whether you’ve been convicted of a DUI or refused a breathalyzer test, our team will get you back on the road with fast, affordable FR-44 insurance—no judgment, just help.
Call us today at (804) 512‑7875
Or get a fast, personalized quote online—we’ll walk you through every step.
