Question 1

What does non-owner car insurance cover in Virginia?

Accepted Answer

A Virginia non-owner policy provides liability coverage — bodily injury and property damage — when you drive a car you don't own. It carries the state's required 50/100/40 minimums plus mandatory uninsured motorist coverage. It never covers physical damage to the car you're driving, because you don't own it, and it sits secondary to any coverage on that vehicle.

Question 2

Can I get an FR-44 without owning a car in Virginia?

Accepted Answer

Yes. A non-owner FR-44 policy satisfies Virginia's filing requirement for DUI suspensions without requiring you to own a vehicle. The policy must carry doubled liability limits of 100/300/50 for the 3-year filing period. Geico, Progressive, Dairyland, The General, Bristol West, and National General write non-owner FR-44 in Virginia.

Question 3

Which carriers write non-owner insurance in Virginia?

Accepted Answer

Geico, Progressive, Dairyland, The General, and GAINSCO write non-owner policies in Virginia. For drivers needing an FR-44 filing, Geico, Progressive, Dairyland, The General, Bristol West, and National General can file a non-owner FR-44. Not all carriers that write standard auto write non-owner, so options are more limited.

Question 4

How much does non-owner insurance cost in Virginia?

Accepted Answer

Cost depends on your driving record, whether you need an FR-44 filing, and the liability limits you choose. Virginia's 50/100/40 minimums are higher than most states, raising baseline cost. An FR-44 filing for DUI requires doubled limits of 100/300/50, significantly increasing premium for the 3-year filing period. Individual rates vary; no average figure applies across all drivers.

Question 5

Does Virginia require SR-22 or FR-44 for non-owner policies?

Accepted Answer

Virginia requires FR-44 — not SR-22 — for DUI and DWI suspensions, with doubled liability minimums of 100/300/50. For non-DUI suspensions like points-based or uninsured violations, Virginia requires SR-22 with standard 50/100/40 minimums. Both can be filed on a non-owner policy if you don't own a car.

Question 6

Will a non-owner policy cover a rental car in Virginia?

Accepted Answer

A non-owner policy provides secondary liability coverage when you rent a car in Virginia, sitting behind the rental company's liability policy. It does not cover physical damage to the rental car itself — you'd need the rental company's collision damage waiver for that. The non-owner policy's uninsured motorist coverage does apply if you're hit by an uninsured driver while renting.

Question 7

How long does an FR-44 filing last in Virginia?

Accepted Answer

Virginia requires FR-44 filing for 3 years after a DUI conviction, measured from the conviction date. The policy must remain active with continuous 100/300/50 liability limits for the entire period. Any lapse triggers immediate DMV notification and license suspension, restarting the 3-year clock.

Coverage	Minimum
Bodily Injury (per person)	$50,000
Bodily Injury (per accident)	$100,000
Property Damage	$40,000

Non-Owner Car Insurance — Virginia

Virginia Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner FR-44 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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