Non-owner car insurance in Virginia

What companies offer non-owner insurance in Virginia?

We priced 8 insurers, starting with the cheapest. Only military families can buy from USAA, and its price is $249.

What liability limits are now required in Virginia?

Starting January 1, 2025, the minimum policy levels are set by Virginia Code section 46.2-472. For one person's injuries, you need $50,000; for total injuries from a single crash, $100,000; and for property damage, $25,000. Liability is the part of your insurance that pays other people when you are at fault in a crash. Past policies carried limits of 30/60/20, so check a renewal notice before counting on an old plan.

Those amounts are twice as high under an FR-44, so the minimum becomes $100,000, $200,000, and $50,000. According to the DMV certification page, the doubling applies to any conviction from January 1, 2008 onward.

SR-22 or FR-44: what the Virginia DMV asks for and when

Two types of insurer filings are used in Virginia. Most situations need an SR-22, but a DUI requires an FR-44, which doubles your liability limits. Each of them can be added to a non-owner policy, which covers the driver, not a particular car.

Both are certificates that your insurer sends to the Virginia DMV to confirm you have coverage. A suspension for an uninsured vehicle, an unpaid judgment, or failing to respond to a DMV insurance monitoring proof request triggers the SR-22. You may also face one for providing a forged insurance certificate, or for failing to stop after a crash with injuries. An FR-44 comes after you are convicted of driving under the influence, or of maiming while under the influence.

The cost of being caught without insurance is fixed. The DMV insurance requirements page shows a $600 non-compliance fee, three years of SR-22 filing, and a reinstatement fee when applicable. Insurers can file electronically, so the form goes directly onto your record. If your home is now in another state, DMV accepts a letter from your insurer, on their letterhead, listing the doubled FR-44 amounts.

Virginia reinstatement fees and lapses in coverage

The DMV license reinstatement page puts the fee to reinstate your license at $145 to $220, based on the suspension. The DMV reinstatement fee rules add $5 for each suspension order beyond the first. The certification from your insurer can be submitted, so a trip to a customer service center is not required.

If you still own a car that is parked, you have another obligation. When your insurance lapses while the registration is active, DMV offers three options: get new coverage, deactivate the plates, or turn them in. If you do none of those things, an uninsured suspension returns. Surety bonds and self-insurance do exist; DMV, however, regards them as options for business-vehicle owners.

How cost changes with age in Virginia

Teenage drivers pay roughly $2,026 each year. For a 40-year-old driver, the average yearly cost to insure an owned car at minimum limits is $693, roughly $144 above the $549 non-owner average.