Restricted 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 is a tort state — the at-fault driver pays for damages through liability insurance. The Commonwealth requires proof of financial responsibility at registration and after any suspension. Restricted license applicants must complete VASAP enrollment, maintain continuous SR-22 filing, and install an ignition interlock device before the DMV issues the restricted license. The Virginia Department of Motor Vehicles administers restricted license issuance through a structured process tied directly to VASAP completion milestones.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Filing
Ignition Interlock Device
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
- VASAP enrollment timeline affects pricing — carriers offer better rates once you complete VASAP Phase I milestones.
Get Insured on Your Restricted License
Get My Restricted 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
How long does SR-22 filing last in Virginia?
Virginia requires SR-22 filing for 3 years from the date of reinstatement or restricted license issuance, depending on your violation. The 3-year period resets if your policy lapses or cancels — any coverage gap triggers immediate suspension and you must refile SR-22 and restart the full 3-year clock from the new filing date. The SR-22 requirement continues even after your restricted license converts to full reinstatement.
Coverage Types
SR-22 Insurance for Restricted License
SR-22 is not a separate insurance policy — it is a filing your carrier submits to the Virginia DMV certifying you carry continuous liability coverage. The filing itself costs $15–$35, but your premium increases due to the underlying violation that triggered the SR-22 requirement.
Non-Owner SR-22 Insurance
Covers you when driving a vehicle you do not own. Meets Virginia SR-22 filing requirements without requiring you to own a car. Non-owner policies do not cover vehicles you own, lease, or regularly use — the DMV rejects non-owner SR-22 filings if you have a vehicle registered in your name.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if you are hit by a driver with no insurance or insufficient coverage. Virginia law requires carriers to offer UM coverage matching your liability limits unless you reject it in writing at policy inception.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders if you have an auto loan or lease. Carries a deductible of $250–$1,000 — you pay the deductible, the carrier pays the rest up to your vehicle's actual cash value.
Comprehensive Coverage
Covers damage to your vehicle from theft, vandalism, fire, weather, animal strikes, and falling objects. Does not cover collision or mechanical failure. Carries a separate deductible, typically $100–$500.