Whether you're looking to start new coverage or switch to SafeAuto, you'll want to make sure you have the minimum auto insurance coverage that Virginia law requires. SafeAuto can help you get cheap car insurance rates that meet Virginia's state minimum requirements. Get a free car insurance quote online today!
Virginia's Financial Responsibility law requires you to maintain liability limits of at least:
Proof Of Financial Responsibility & Penalties
Under Virginia law, you are required to provide documentation of Financial Responsibility at the request of a law enforcement officer at the time of an accident or traffic stop.
Penalty for Failure to Comply with Virginia's Financial Responsibility Requirements:
Every person applying for registration of a motor vehicle and declaring it to be an insured vehicle, faces stiff penalties if the motor vehicle is subsequently found to be uninsured. The Virginia DMV may suspend the driver's license and registration certificates and license plates issued to the owner of the motor vehicle. These items are suspended until the person pays a $500 statutory fee, furnishes and maintains proof of financial responsibility (form SR-22) for three years and pays a reinstatement fee, if applicable [Va. Code Ann. § 46.2-706].
Certificate of Financial Responsibility (SR-22) or (FR-44):
An SR-22 or an FR-44 is a certification of future proof of Financial Responsibility issued by your insurance company to the Department of Motor Vehicles (DMV) providing proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:
- Unsatisfied judgments
- Driver's license suspension as a result of a conviction for:
- Voluntary or involuntary manslaughter resulting from the operation of a motor vehicle
- Perjury, making a false affidavit to the DMV regarding the registration of motor vehicles, or making a false statement on any driver's license application
- Any crime punishable as a felony under the motor vehicle law or any felony in the commission of which a motor vehicle is used
- Failure of a driver of a motor vehicle, involved in an accident resulting in death or injury to another person, to stop and disclose his identity at the scene of the accident
- Operating or permitting the operation, for a second time, of a passenger automobile for transportation of passengers for rent or for hire, without a license
- Uninsured motor vehicle suspension
- Failure to provide proof of insurance associated with insurance monitoring
- Falsifying insurance certification
FR-44 certification is required for the following convictions:
- Maiming while under the influence
- Driving while under the influence of intoxicants or drugs
- Driving while the driver's license has been forfeited for a conviction, or finding of not innocent in the case of a juvenile
- Violation of the provisions of any federal law or law of any other state or any valid local ordinance similar to the above
SafeAuto will only issue a Virginia SR-22 or FR-44 to Virginia residents. An FR-44 is available only to existing policy holders, and – like the SR-22 – must be issued immediately upon request. If an FR-44 is issued, appropriate follow-up underwriting action will be taken, consistent with Virginia law.
Looking For Virginia Auto Insurance?
You can get a free car insurance quote online or by calling a dedicated SafeAuto customer service representative at 1-800-SAFEAUTO. Customer service is available 24/7 to assist you with your quote or answer any insurance questions you may have.
Virginia Department of Motor Vehicles
If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.