Non-Owner SR-22 Insurance in Virginia

Virginia raised its minimum liability limits to 50/100/25 in 2025, and it uses an FR-44 with double limits after DUI convictions. Drivers without a car can meet either requirement with a non-owner policy.

Who needs a non-owner SR-22 or FR-44 in Virginia?

Virginia drivers are commonly ordered to file an SR-22 or FR-44 after a DUI, after driving without insurance, after an uninsured accident, or after a license suspension for points or unpaid judgments. If you do not own a vehicle and have no regular access to one, a non-owner policy satisfies the Virginia DMV.

How to get a non-owner SR-22 or FR-44 in Virginia

1. Confirm the requirement. Check your suspension notice or court paperwork, or call the Virginia DMV, to confirm that you need an SR-22 or FR-44, how long you need it, and any reinstatement fees.
2. Request non-owner quotes. Tell the agent that you do not own a vehicle and do not have regular use of one. You must also list everyone in your household who owns a car, because household access can disqualify you.
3. Buy the policy and pay the filing fee. The insurer files the SR-22 or FR-44 with Virginia electronically, usually within one business day.
4. Pay reinstatement fees and keep the policy active. If the policy lapses, the insurer must notify the state, and your license can be suspended again.

Virginia details to know

Virginia ended its option to pay an uninsured motor vehicle fee in July 2024, so all drivers must now carry insurance. An SR-22 is required after several insurance-related and other suspensions. An FR-44 at 100/200/50 is required after DUI convictions. See our non-owner FR-44 guide.

Virginia non-owner SR-22 FAQ

Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the Virginia DMV or your court before you buy a policy.

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