Virginia SR-22 & High-Risk Auto Insurance
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
State Requirements
Drivers convicted of DUI or certain drug offenses must file FR-44 proof of insurance, which requires double the standard minimums (50/100/40). Virginia uses a demerit point system where accumulating 18 points in 12 months or 24 points in 24 months triggers license suspension. Most point violations—speeding tickets, at-fault accidents, reckless driving—do not require FR-44 filing unless they result in suspension or involve alcohol.
Liability Insurance
Uninsured Motorist Coverage
SR-22 Insurance / FR-44 Insurance
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$200–$210/mo
Typical monthly rate in Virginia, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of demerit points: Virginia suspends licenses at 18 points in 12 months or 24 in 24 months; carriers surcharge progressively above 6 points
- Time since violation: First-year surcharges are highest; DUI surcharges remain 3–5 years, speeding/minor violations 3 years from conviction date
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long do points stay on your driving record in Virginia?
Demerit points remain on your Virginia driving record for 2 years from the conviction date for most violations. However, the conviction itself stays on your record for 3–11 years depending on severity: speeding violations remain 3 years, reckless driving 11 years, and DUI 11 years. Insurance carriers typically surcharge for 3–5 years from the conviction date, even after points are removed.
How many points suspend your license in Virginia?
Virginia suspends your driver's license if you accumulate 18 demerit points in 12 months or 24 points in 24 months. Common point values: reckless driving 6 points, speeding 20+ mph over limit 6 points, aggressive driving 6 points, speeding 10–19 over 4 points, improper driving 3 points. Suspensions typically last until you complete a driver improvement clinic and pay reinstatement fees.
Can I get my points reduced in Virginia?
Yes—completing a Virginia DMV-approved driver improvement course removes 5 safe driving points (not demerit points, but positive points that offset demerits) from your record. You can take the course once every 24 months. This does not remove the conviction or stop insurance surcharges, but it can prevent suspension if you're near the 18-point threshold. Courts may also order the clinic as part of a violation penalty.
How long does FR-44 filing last in Virginia?
FR-44 filing in Virginia lasts 3 years from your license reinstatement date following a DUI or drug-related conviction. If your insurance lapses or is cancelled during the 3-year period, the DMV is notified within 30 days, your license is suspended immediately, and the 3-year clock resets from the date you file a new FR-44 and reinstate. Continuous coverage is mandatory.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Virginia requires 25/50/20 minimums, but FR-44 filers need 50/100/40.
Full Coverage
Liability plus comprehensive and collision. Protects your vehicle in addition to covering damage you cause to others.
SR-22 Insurance / FR-44 Insurance
FR-44 is Virginia's proof-of-insurance filing for DUI convictions. Your insurer files electronically with the DMV to certify you carry required coverage.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers: multiple violations, DUI, lapses, or 12+ demerit points.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by a driver with no insurance or insufficient coverage.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash.