![]() ![]() Virginia’s online insurance verification system Shopping for insurance may be challenging because some companies may refuse to issue you a policy when you require an SR-22 form. If the state requires you to carry an SR-22, you must do so for three continuous years. ![]() This certificate could also indicate to auto insurance companies in Virginia that you are a high-risk driver, which typically increases the cost of your insurance premiums. What is an SR-22?Īn SR-22 (Financial Responsibility Insurance Certificate) is essentially a required document that will be filed with the DMV that ensures you are carrying the legally required insurance coverage. As such, failing to maintain continuous coverage could result in an increase in average premiums. Paying reinstatement fees, if applicable, on your license, registration and platesĪdditionally, insurance companies usually consider a lapse of insurance as a high-risk rating factor. Obtaining a form SR-22 certificate for three years Paying a $600 noncompliance fee to the DMV Penalties for driving without insurance in VA include: If you drive an uninsured vehicle, you can incur expensive fees and even lose your license. To encourage motorists to only operate an insured vehicle, Virginia imposes strict penalties when a vehicle is found to be uninsured. Penalties for driving without insurance in Virginia It’s worth noting that Virginia recently passed a bill that will no longer allow uninsured vehicles to be registered as of July 1, 2024. Considering the low average cost of insurance in Virginia ($494 per year for minimum coverage, according to Quadrant Information Services), it may make more sense to take the money you would use for your UMV fee and put it towards a policy instead. Even minimum coverage could provide some financial protection if you’re the driver in an at-fault accident. Even though you technically can drive without insurance if you pay the UMV fee, you may want to consider purchasing a policy, anyways. This fee does not provide any coverage in the event of an accident. ![]() Virginia currently allows drivers to operate an uninsured vehicle at their own risk, but requires an uninsured motor vehicle (UMV) fee to be paid each time you renew your vehicle registration. $25,000 property damage liability per accident $100,000 bodily injury liability per accident $50,000 bodily injury liability per person For policies that renew on or after this date, the new Virginia insurance requirements will be: It may also be worth noting that Virginia’s state minimum insurance requirements are scheduled to increase on January 1, 2025. This coverage will typically read as “30/60/20” on your policy and the DMV recommends that you always carry proof of insurance in your vehicle. $20,000 property damage liability per accident $60,000 bodily injury liability per accident $30,000 bodily injury liability per person When you register a new vehicle, you must comply with state laws by purchasing a policy that carries the following minimum insurance coverage: The Virginia Department of Motor Vehicles (DMV) requires all drivers to carry minimum liability insurance. Since this is slightly below the UMV fee, your funds may be better spent on a car insurance policy that can provide at least some coverage in an at-fault accident. The average cost of a minimum coverage car insurance policy in Virginia is $494 per year. If you are caught driving without insurance in Virginia, you could face license suspension, a $600 noncompliance fee, license reinstatement fees and an SR-22 requirement. Key takeawaysĪlthough most insurance professionals recommend against it, driving without insurance in Virginia is currently legal as long as you pay the DMV an uninsured motor vehicle (UMV) fee of $500 every time you renew your registration. Before you drive in Virginia, it is important to know the state’s specific insurance requirements. In Virginia, there is a minimum amount of liability coverage that every driver must carry and driving without insurance in Virginia can result in hefty fines, a suspended license and higher insurance premiums. Car insurance exists to provide financial protection in the event of an accident and may cover expenses like medical bills and property damage. The state of Virginia requires drivers to carry auto insurance on any registered vehicle that will be operated on the road. ![]()
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