Uninsured drivers in Virginia
A 2011 report from the Insurance Research Council estimated that 11 percent of Virginia drivers were uninsured in 2009, which was below the national average of 13.8 percent.
Uninsured/underinsured motorist coverage, which is required, offers financial protection from uninsured drivers and from drivers with insufficient liability limits.
The uninsured motorist fee
If you don't have car insurance, you can legally drive by paying the DMV an uninsured motorist fee of $500. (This satisfies your legal requirement and allows you to register a car, but it offers no financial protection in the event of an accident.)
Digital proof of insurance in Virginia
No one likes frantically searching for auto insurance ID cards in the unfortunate event they get pulled over. Luckily, Virginia state law now allows digital proof of insurance — meaning ID cards displayed on your smartphone or other device are considered sufficient evidence of car coverage.
Esurance customers in Virginia can get immediate access to our easy-to-use mobile app, where they can get their ID cards and manage their policies 24/7.
Alternative car insurance options
If you have trouble finding car insurance in Virginia, you can contact a licensed agent about Virginia's Automobile Insurance Program (VAIP).
Stolen cars in Virginia
If you live in an area with a high theft rate, you could pay more for car insurance to make up for the added risk. The D.C. area, including Arlington and Alexandria, reported 11,599 stolen cars in 2012 (according to data from the National Insurance Crime Bureau). Virginia Beach, Norfolk, and Newport News had a combined total of 2,581.
The 10 most stolen cars of 2012 in Virginia were:
- 1994 Honda Accord
- 1999 Ford Pickup (full size)
- 2000 Honda Civic
- 1998 Toyota Camry
- 2000 Chevrolet Pickup (full size)
- 2003 Toyota Corolla
- 2003 Ford Explorer
- 2012 Nissan Altima
- 1999 Dodge Caravan
- 2003 Ford Taurus