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SR-22 Insurance for Non-Owners in Virginia
Key takeaways
- Minimums are now 50/100/25.
- The FR-44 requires 100/200/50 after a DUI.
- Paying a fee to drive uninsured is no longer an option.
Virginia changed a lot recently. Insurance became mandatory for everyone in 2024, and minimum limits rose to 50/100/25 in 2025. DUIs require an FR-44 at double those limits.
- Form required
- SR-22 or FR-44
- Liability minimum
- 50/100/25 (SR-22) or 100/200/50 (FR-44)
- How long
- Typically 3 years
- Who processes it
- Virginia DMV
How to get a non-owner SR-22 in Virginia
- Ask the Virginia DMV which form you need
- Buy a non-owner policy at the required limits
- Have the SR-22 or FR-44 filed
- Complete VASAP if required after a DUI
- Pay reinstatement fees
What makes Virginia different
Virginia's Alcohol Safety Action Program (VASAP) is a common requirement after a DUI. Because the FR-44 doubles the state minimum, Virginia DUI coverage costs well above a standard SR-22.
Virginia questions drivers ask
Why is Virginia's FR-44 now 100/200/50?
The FR-44 requires double the minimum, and the minimum rose to 50/100/25 in 2025.
Can I still pay Virginia's uninsured motor vehicle fee?
No. That option ended in July 2024.
State rules change. Confirm your requirements with the Virginia DMV before you buy a policy.