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Is it illegal to not have car insurance in Virginia?
Is it illegal to drive without car insurance in Virginia? What are the penalties for not having insurance in VA?
Matthew Macgugan · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you choose to drive uninsured in VA, you must pay a $500 fee to the DMV. Drivers must pay this fee to register their vehicle or get their plates. This fee allows you to drive uninsured for 12 months without penalties.
If you choose to buy insurance, drivers are required to have a minimum amount of insurance:
- $25,000 in bodily injury insurance per person
- $50,000 in bodily injury insurance per accident
- $20,000 in property damage liability insurance
If you don’t pay the $500 fee to drive uninsured or do not comply with the minimum insurance requirements you face:
- A $600 non compliance fee
- Suspension of license and registration
- Reinstatement fee
- Having to file a Financial Responsibility Insurance Certificate with DMV for three years
The biggest risk to driving uninsured or underinsured in VA is being unable to pay for accident damages. If you are in a car accident in VA and are uninsured, you accept full responsibility for all damages if you are at fault.
If you are in or relocating to Virginia, use the
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