Suspended License Insurance — Virginia
Virginia requires 50/100/25 liability coverage and is an at-fault state.
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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 tort-based liability system and requires all drivers to carry continuous proof of insurance or pay an uninsured motor vehicle fee. The Virginia Department of Motor Vehicles mandates SR-22 filing for specific violations including DUI, reckless driving convictions, and driving on a suspended license. Even during suspension, maintaining compliant coverage prevents penalty extensions and additional reinstatement fees.
Liability Insurance
SR-22 Insurance
Non-Owner SR-22
Uninsured Motorist Coverage
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
- SR-22 duration: Virginia requires 3-year filing for most major violations, measured from conviction date not filing date.
- Vehicle type if applicable: Financing a vehicle during suspension requires full coverage, doubling your premium compared to non-owner policies.
Get Insured and Get Your Virginia License Back
Get My Virginia Suspended License Insurance 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
Do I need insurance while my license is suspended in Virginia?
Yes, in most cases. Virginia requires continuous insurance or SR-22 filing during suspension to avoid extending your suspension period and adding reinstatement fees. If your suspension resulted from DUI, excessive points, or driving uninsured, you must maintain SR-22 coverage for the entire compliance period—typically 3 years—even if you're not driving. Administrative suspensions for unpaid fines may not require insurance, but lapsed coverage during any suspension can add months to your reinstatement timeline.
Can I get a hardship license in Virginia while suspended?
Virginia offers restricted licenses for specific hardship circumstances including medical appointments, work, education, and child care. You must serve a minimum portion of your suspension first—typically 30–90 days depending on the violation—then petition the Virginia DMV with proof of hardship and SR-22 insurance. Restricted licenses prohibit recreational driving and limit you to approved routes and times. Violating restrictions results in immediate revocation and extended suspension.
How long does Virginia require SR-22 filing after a DUI?
Virginia mandates 3-year SR-22 filing after DUI conviction, measured from the conviction date, not the filing date. If you delay getting SR-22 coverage for 6 months after conviction, you still owe 3 years from the conviction—you don't get credit for the delay. The filing must be continuous with zero lapses or the entire 3-year period resets.
Coverage Types
SR-22 Insurance
Certificate proving you carry Virginia's minimum liability limits, filed electronically by your carrier to DMV. Required after DUI, excessive points, or driving uninsured.
Non-Owner SR-22
Liability coverage for drivers without a vehicle who need SR-22 compliance to reinstate their license. Covers you when driving borrowed or rental cars.
Liability Insurance
Covers injury and property damage you cause to others. Virginia's 25/50/20 minimums are the legal floor but may not cover a serious accident's full cost.
Uninsured Motorist Coverage
Pays your medical expenses when an uninsured driver hits you. Virginia requires carriers to offer this at the same limits as your liability unless you reject it in writing.