Last Updated 7th of July, 2010

Do I need auto insurance to apply for a VA drivers license? Virginia

New Driver Checklist

Auto Insurance Requirements for VA Driver License

Car insurance is mandatory in Virginia. However, you do not need to show proof when applying for a drivers license. Proof of meeting Virginia's financial responsibility requirement is only mandatory during vehicle registration.

Virginia Car Insurance Coverage

To comply with Virginia's auto insurance requirements, you must carry, at the very minimum, the following amounts of coverage:

  • $25,000 for bodily injury or death of one person.  
  • $50,000 for bodily injury or death of two or more persons.
  • $20,000 for property damage.
Or, you may instead:

  • Comply with a Surety Bond. This can be executed by depositing cash or securities with the DMV.
  • Apply with the DMV for a self-insurance certificate.
  • Pay a $500 uninsured motor vehicle (UVM) fee, if your vehicle is uninsured during registration. This will allow you to legally drive your uninsured vehicle in Virginia. This does not, however, protect you with liability coverage. 

Purchasing Insurance Coverage


If you opt for traditional liability protection, you must be insured with a company licensed to operate in Virginia. When shopping, take the time to compare insurance quotes with a variety of providers. The more you compare, the better your chances of finding insurance rates that meets you budget and vehicle situation.

You can compare quotes online, or request a consumer guide from the Bureau of Insurance. After narrowing your selection to a few providers, take into consideration each company's track record for policyholder service, underwriting practices, and financial stability.

Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.

  • You could save 15% or more
  • 24 hour claims service
  • Get a FREE instant quote, today!

Related Articles

Visitor Comments

No visitor comments posted. Post a comment

Post Comment for "Do I need auto insurance to apply for a VA drivers license?"

To post a comment for this article, simply complete the form below. Fields marked with an asterisk are required.

User Opinions

No users have voted.

How would you rate this answer?



Thank you for rating this answer.

Continue
DMVAnswers.com (the Site) is a privately owned, for-profit Web site owned by OnlineGURU, Inc. The Site specifically disclaims any and all connection with any state bureau, division, or Department of Motor Vehicles, or any state or federal government agency. DMVAnswers.com does its best to get the correct information but does not claim responsibility for the accuracy of the information displayed herein. It is not complete or certified information. The information provided on DMVAnswers.com is not legal advice, DMVAnswers.com is not a lawyer referral service, and no attorney-client or confidential relationship is or should be formed by use of the site. Additionally, the Site expressly disclaims any and all liability for third party links or resources on the Site and any claims of negligence arising from same. For official information, please consult your state motor vehicle department.