Non-Owner Car 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
Non-Owner Liability Requirements in Virginia
Virginia requires all drivers to carry liability insurance, whether they own a vehicle or not. Virginia also mandates uninsured motorist coverage.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
FR-44 Filing for DUI
What Shapes Non-Owner Costs in Virginia
$21–$46/mo
Typical monthly rate in Virginia, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- Mandatory uninsured motorist coverage adds cost to every Virginia non-owner policy, unlike states where it's optional.
- Drivers with recent at-fault accidents or moving violations pay more, even without a filing requirement, because non-owner policies still underwrite driving history.
- Carrier availability matters: only a subset of Virginia insurers write non-owner policies, and fewer still file non-owner FR-44, limiting competition and price options for high-risk drivers.
Stay Insured Without Owning a Car
Get My Non-Owner 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
What does non-owner car insurance cover in Virginia?
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.
Can I get an FR-44 without owning a car in Virginia?
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.
Which carriers write non-owner insurance in Virginia?
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.
How much does non-owner insurance cost in Virginia?
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.
Does Virginia require SR-22 or FR-44 for non-owner policies?
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.
Will a non-owner policy cover a rental car in Virginia?
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.
How long does an FR-44 filing last in Virginia?
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 Types
Non-Owner Liability Insurance
Bodily injury and property damage coverage for drivers who don't own a car. Provides Virginia's required 50/100/40 minimums when you drive borrowed, rented, or shared vehicles.
Non-Owner FR-44 Insurance
High-risk liability policy with certificate filing for DUI suspensions. Virginia requires FR-44 instead of SR-22, with doubled liability limits of 100/300/50 for a 3-year period.
Uninsured Motorist Coverage
Protection when hit by a driver with no insurance or insufficient limits. Mandatory on all Virginia policies, including non-owner.
Non-Standard Auto Insurance
Coverage for drivers with violations, suspensions, or filing requirements. Non-owner policies fall into this category when an FR-44 or SR-22 is required.
Find Your City in Virginia
Virginia Beach
Coastal location and tourist traffic increase uninsured motorist risk, making the mandatory UM coverage on Virginia non-owner policies more relevant for regular borrowers here.
Chesapeake
Mix of suburban and rural roads means varied driving conditions for non-owner drivers using borrowed vehicles in Chesapeake.
Arlington
Norfolk
Dense urban driving and naval base commuter traffic raise liability exposure for non-owner drivers borrowing vehicles in Norfolk.
Richmond
State capital with heavy commuter traffic and higher theft rates, relevant for non-owner drivers regularly borrowing cars in the Richmond metro area.
Newport News
Shipyard and military base traffic creates congested commute corridors, increasing accident risk for non-owner drivers borrowing vehicles here.
Alexandria
High cost of living and proximity to Washington, D.C., mean higher liability judgments and medical costs, raising non-owner liability premiums in Alexandria.