Getting back on the road after a license suspension or a serious traffic violation can feel like navigating a maze of paperwork. In the DMV area (DC, Maryland, and Virginia), you will likely encounter terms like SR-22 or FR-44.
While these are often called “insurance,” they are actually certificates of financial responsibility that your insurance company files with the DMV to prove you have the required coverage.
What is SR-22 Insurance?
An SR-22 is a form filed by your insurance carrier to certify that you are carrying at least the state-mandated minimum liability insurance. You are typically required to maintain this filing for three years. It is commonly required for:+1
- Driving without insurance or a lapse in coverage.
- At-fault accidents while uninsured.
- Accumulating too many points on your driving record.
- Reckless driving (in MD and DC).
What is FR-44 Insurance (Virginia Only)?
Virginia is one of only two states that uses the FR-44 form. While it serves a similar purpose to the SR-22, the requirements are much stricter.+1
In Virginia, an FR-44 is required for high-risk violations, most notably DUI/DWI convictions or maiming while under the influence. The key difference is the coverage amount: Virginia law requires FR-44 holders to carry double the standard minimum liability limits.+1
Comparison of Minimum Liability Requirements (as of 2026)
| State/District | Filing Type | Bodily Injury (Per Person/Accident) | Property Damage |
| Virginia | SR-22 | $50,000 / $100,000 | $25,000 |
| Virginia | FR-44 | $100,000 / $200,000 | $50,000 |
| Maryland | SR-22 | $30,000 / $60,000 | $15,000 |
| Washington, DC | SR-22 | $25,000 / $50,000 | $10,000 |
Our Partners for High-Risk Coverage
Not every insurance company offers SR-22 or FR-44 filings. At our agency, we specialize in helping drivers find affordable options even with a less-than-perfect record. We work with three major carriers that excel in this area:
1. Progressive
Progressive is a leader in high-risk insurance, known for their streamlined electronic filing. For new customers, they can often file your SR-22 or FR-44 with the DMV almost immediately after you purchase your policy, helping you get your license reinstated faster.
2. National General
National General specializes in “non-standard” auto insurance. They are an excellent choice for drivers who have multiple violations or have been turned away by other companies. They offer flexible payment plans which can be helpful since SR-22/FR-44 premiums are generally higher than standard policies.
3. AIC (Agency Insurance Company)
AIC is a regional specialist with deep roots in the Mid-Atlantic. They understand the specific legal landscapes of Virginia, Maryland, and DC. AIC is often the “go-to” for drivers looking for personalized service and competitive rates on specialized filings.
Important Tips for Drivers
- Don’t Let it Lapse: If your policy cancels for any reason (like a missed payment), your insurance company is legally required to notify the DMV immediately. This usually results in an automatic license suspension.
- Non-Owner Policies: If you don’t own a car but need to reinstate your license, we can help you set up a “Non-Owner” policy with an SR-22 or FR-44 filing.
- The Filing Fee: Most carriers charge a small one-time fee (typically around $15–$25) to file the certificate on your behalf.
Ready to get back on the road? Would you like me to put together a quote comparison from Progressive, National General, and AIC for your specific situation?
