FR-44 Coverage Info
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FR-44 Insurance — Charlottesville, VA

Virginia requires FR-44 filing after DUI conviction with 50/100/40 liability minimums—double the standard limits. Charlottesville drivers face court-issued restricted licenses with ignition interlock requirements and elevated premiums reflecting Virginia's mandatory ASAP enrollment and narrow carrier market for FR-44 filings.

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Rates From Carriers Serving Charlottesville, Virginia

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What Affects Rates in Charlottesville

    Get FR-44 insurance quotes from carriers that file in Florida and Virginia

    FR-44 requires higher liability limits than SR-22 — compare carriers that understand the difference.

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    Coverage Recommendations

    Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.

    FR-44 Insurance

    Virginia's DUI-specific certificate requiring 50/100/40 liability limits. Carriers file electronically with DMV; lapse triggers immediate license suspension. Only Florida and Virginia use FR-44—other states use SR-22 with lower minimums.

    higher

    Estimated range only. Not a quote.

    Non-Owner FR-44

    Liability-only FR-44 policy for suspended Charlottesville drivers who don't own a vehicle. Fulfills DMV filing requirement for license reinstatement without insuring a car you don't drive.

    moderate

    Estimated range only. Not a quote.

    Liability Insurance

    Covers bodily injury and property damage you cause to others. Virginia FR-44 filers carry 50/100/40 minimums—substantially above the standard 25/50/20 floor most drivers meet.

    higher

    Estimated range only. Not a quote.

    Uninsured Motorist Coverage

    Mandatory in Virginia. Protects you when hit by a driver with no insurance. FR-44 policies include UM coverage as a base layer, adding cost but closing a common gap in DUI-related accidents.

    moderate

    Estimated range only. Not a quote.

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