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Insurance Requirements

To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements or pay the uninsured motor vehicle fee. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.

Virginia requires the following minimum coverage:

  • Bodily injury/death of one person $25,000
  • Bodily injury/death of two or more persons $50,000
  • Property damage $20,000

Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.

The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal.

Note: Severe penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must reinsure the vehicle, pay the uninsured motor vehicle fee, temporarily deactivate your license plates, or surrender the license plates to DMV.

Self-insurance or Surety Bonds are special options for owners of business vehicles. Details are available at any DMV office.

Penalties

Vehicle owners who are uninsured or have not paid the UMV fee will have their driving and vehicle registration privileges suspended. To be reinstated, they must pay a $500 statutory fee, file a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years, and pay a reinstatement fee, if applicable.

Verification of Insurance Coverage

DMV monitors insurance coverage through our Insurance Verification Program.

Insurance carriers provide DMV with electronic updates of insured information and vehicle description when they cancel, add and write new coverage for motor vehicles registered in Virginia.

DMV verifies that motor vehicles are properly insured by comparing vehicle registration information on file at DMV with liability information transmitted by insurance carriers. When no insurance is found, the motor vehicle owner is required to furnish policy information to DMV for verification.

If you have received an Insurance Verification Inquiry letter from DMV requesting information about your insurance policy, you may submit that information online.

Additional Information

For additional insurance information, refer to the Virginia Auto Insurance Consumer Guide or contact us.