Skip the auto shop - Our mechanics make house calls
  1. Home
  2. Articles
  3. Insurance Requirements for Car Registration in Virginia

Insurance Requirements for Car Registration in Virginia

Insurance Requirements for Car Registration in Virginia

The state of Virginia requires that all drivers prove that they are financially responsible for costs associated with a car accident. Most drivers choose to purchase a car insurance policy to meet this requirement. However, drivers can also pay the Virginia Department of Motor Vehicles to register as an uninsured motorist.

Financial responsibility requirements

The minimum financial responsibility requirements for Virginia drivers are as follow:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $20,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $70,000 to cover bodily injury or death, and property damage liability.

Additionally, all drivers are required to carry Uninsured Motorist Coverage in their minimum insurance policies that is equal to the total amount of financial responsibility listed above ($70,000).

Uninsured motorists

In order to register as an uninsured motorist, drivers in Virginia may choose to pay an annual $500 fee to the Virginia Department of Motor Vehicles. By choosing to register as an uninsured motorist, a driver is legally responsible for the cost of damages and injuries for any accident wherein they are found at-fault.

Increase liability requirements for DUI convictions

If a driver in Virginia has been convicted of a DUI, they will be required to file an FR-44 document. This sentence may also be required if a person is found guilty of driving with a forfeit driver’s license after such a conviction. When filing an FR-44 document, the total minimum amount of liability insurance requirement increases to the following amount:

  • A minimum of $50,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $100,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $40,000 for property damage liability

Violation penalties

If you do not carry the legally required financial responsibility in Virginia, or your insurance cannot be electronically verified, you could face several penalties. These include:

  • Suspension of your driver’s license

  • Suspension of your vehicle registration and license plates

  • Required filing of an SR-22 Proof of Financial Responsibility document, which guarantees that you will carry the legally required insurance for three years. This document is usually only required for drivers who have been convicted of a DUI or other reckless driving charge, or for those that have been convicted of felonies involving a motor vehicles. If you are required to file this document, you no longer have the option to register as an uninsured motorist, and you must purchase an insurance policy.

  • A $500 fine to reinstate your vehicle registration and license plates

  • A fine of $145 to $220 to reinstate your driver’s license

For more information, or to renew your registration online, contact the Virginia Department of Motor Vehicles through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

P0222 OBD-II Trouble Code: Throttle/Pedal Position Switch/Sensor B Circuit Low Input
P0222 code definition Throttle/Pedal Position Switch/Sensor B Circuit Low Input What the P0222...
P0240 OBD-II Trouble Code: Turbocharger Boost Sensor B Circuit Range/Performance
P0240 code definition Turbocharger Boost Sensor B Circuit Range/Performance What the P0240 code means P0240 is an OBD-II generic code triggered when the Engine Control Module (ECM) detects the intake boost...
The Traveler’s Guide to Driving in Malaysia
CraigBurrows / Shutterstock.com Malaysia is a popular destination for many tourists today. The country has amazing sights and attractions that you will want to explore....

Related questions

Q: Advice on buying a car with hail damage

Realize that hail damage is just pieces of ice falling down on the car and denting the heck out of everything. It may look horrible but the actual hail itself doesn't damage the car. So as long as it runs...

Q: My park 2003 Cadillac Escalade was hit on the front driver side knock a foot from where it was parked and back up on the center is.

Due to the collusion on the vehicle, the exhaust system was damaged and causing excessive air to get into the exhaust before the oxygen sensors. If the engine light was not on before the accident and now it is on,...

Q: Do I need gap insurance?

Gap insurance is designed to cover the difference between what is owed on the vehicle (your car loan) and what the insurance company may pay out in the event of an accident or loss. Any example might be a situation...