Virginia Auto Insurance After License Reinstatement
Virginia requires 50/100/25 liability coverage and is an at-fault state.
Free to compare
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
$145
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Virginia
Virginia operates under a traditional tort system, meaning the at-fault driver's insurance pays for damages. The state requires proof of financial responsibility at registration and after most license suspensions. Virginia's DMV mandates SR-22 or FR-44 filing for DUI convictions, uninsured driving violations, and certain high-point suspensions, with filing periods ranging from 3-5 years depending on the original cause.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
FR-44 Certificate of Financial Responsibility
What Drivers Pay in Virginia
$260–$314/mo
Typical monthly rate in Virginia, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Points-based suspensions in Virginia (12 points in 12 months or 18 in 24 months) typically require SR-22 for 3 years if the suspension exceeded 90 days.
- Lapsed coverage during the SR-22 filing period triggers automatic DMV notification and re-suspension within 10 days — reinstatement starts over with new fees.
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement QuoteIf your license is suspended
Restricted driving privileges
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does SR-22 filing last after license reinstatement in Virginia?
Virginia requires SR-22 filing for 3 years after most suspensions, measured from the conviction or suspension date, not the reinstatement date. DUI convictions require FR-44 filing for 3 years with doubled liability minimums. The filing must remain continuous — a single lapse triggers automatic re-suspension within 10 days.
Can I get standard auto insurance immediately after reinstatement in Virginia?
Most standard carriers in Virginia decline drivers within 12–24 months of reinstatement regardless of violation type. Non-standard carriers specializing in high-risk drivers are the primary market for recently reinstated licenses. Expect to remain in the non-standard market for 3-5 years before standard carriers re-evaluate.
Coverage Types
Post-Reinstatement SR-22 Insurance
SR-22 is a state filing proving continuous coverage. Your carrier submits it to the Virginia DMV and must maintain it for the full 3-year period without lapses.
FR-44 Insurance After DUI
Virginia-specific filing required after DUI convictions, with double the liability minimums (50/100/40) and fewer carrier options than SR-22.
Non-Owner SR-22 Coverage
Liability-only policy with SR-22 filing for drivers who do not own a vehicle. Covers you when driving borrowed or rental vehicles.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers, including recent suspensions, DUI convictions, and lapsed coverage histories.
Full Coverage After Reinstatement
Liability, collision, comprehensive, and uninsured motorist coverage. Required by lenders if financing a vehicle post-reinstatement.
High-Risk Auto Insurance
Coverage for drivers classified as high-risk due to violations, suspensions, or claims history. Surcharges run 3-5 years regardless of filing period length.