When it comes to the Commonwealth of Virginia, requiring an FR44 insurance filing as a result of getting a DUI is very expensive. Virginia is one of only two states that have FR44 filings (Florida being the other). To put it nicely, when it comes to auto insurance, Virginia is very hard on DUI's compared to most states. Fortunately, there are still auto insurance companies out there who are more forgiving, and go easy on DUI's and other major violations when it comes to auto insurance rates.
What is FR44 insurance?
An FR44 isn't insurance at all. It is a state filing that attaches onto an auto insurance policy. It is simply a guarantee to the state that you are actively carrying at least double the state minimum liability auto insurance requirement in the Commonwealth of Virginia. If you are familiar with how an SR22 filing works, an FR44 works exactly the same way, except that it requires the double the state minimum limits, whereas an SR22 only requires the minimum. Other than the FR22 requiring double the liability coverage, there is no other difference between the two.
So how do I find the cheapest FR44 rates?
The best thing to do is to go through an independent agent that specializes in high risk auto insurance. Whether you choose to get an online quote or get a quote by phone, an independent agent can do the shopping around for you to find the best rates. Whether you need an SR22 or an FR44 filing, the companies that go easy on high risk drivers usually go through independent agents.
How do I get an FR44 auto insurance filing set up?
That depends on whether or not you own a vehicle (or have a vehicle registered in your name):
Either way, any high-risk independent auto insurance agent can help you with either of those. It's just a matter of finding the right company for getting the lowest rate.
If you would like to get a quote with my agency, I will run your quote through all of the leading high risk companies that I have and find you the company with the cheapest rate. I handle all quotes personally and privately. I do not share or sell your information to anyone. . Simply click on one of the two links below to get started .
Get an FR44 Insurance Quote here if you own a vehicle.
Get an FR44 Insurance Quote here if you do not own a vehicle.
Virginia FR44 Insurance Filing Requirements and Online Buying Guide
How to guide for buying Virginia FR44 Auto Insurance Online
Where can I find the cheapest Virginia FR44 Auto Insurance Filing with a DUI on my record?
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..