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?

Answer
“Car insurance is legally optional in Virginia.
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 Jerry app to help you find the cheapest car insurance rates. This free app can collect quotes from up to 50 top insurance companies in seconds!”
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Rachel Juillerat
Answered on Aug 19, 2021
Rachel Juillerat has her Master's in Publishing & Writing from Emerson College. You can view her work in the Independent, Cupid's Pulse, and the Penmen Review. She has worked in personal finance for five years before transitioning to insurance. She lives in Boston, where she spends her time exploring small New England towns, learning new skills, and napping through her cat's zoomies.
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