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Car Insurance
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In order to register your vehicle in Virginia, you must certify that your vehicle is covered by a minimum amount of liability insurance.
The minimum insurance requirements in Virginia are $25,000 of coverage for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people, and $20,000 for property damage. You must buy your policy from an insurer that is licensed to do business in Virginia.
Rather than getting car insurance, you may instead pay the Uninsured Motor Vehicle fee. The fee does not provide any insurance; you are still personally liable if you get in an accident. However, it does allow you to register your vehicle and drive it without insurance.
The Uninsured Motor Vehicle fee is $500. If you opt for paying it instead of getting insurance, be aware that it expires with your registration. When it is time to renew, you can pay another fee or provide proof of insurance.
The Virgnina Department of Motor Vehicles has several ways of monitoring vehicle insurance coverage. There are strict penalties, including fines, for vehicle owners who do not pay the fee and are uninsured.
You can lose your driving privileges as well as your registration privileges. In order to have them reinstated, you will have to pay a $500 statutory fee, file a financial responsibility insurance certificate (SR-22) with the DMV for three years, and pay any applicable fees for reinstatement of your license or registration.
Should your insurance be cancelled or expire during the time your vehicle is registered, you can reinsure the vehicle, pay the uninsured fee, or surrender your license plates to the DMV.
