Uninsured drivers in Virginia
A recent report from the Insurance Research Council estimated that 11 percent of Virginia drivers were uninsured, 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.)
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 2011 in Virginia were:
- 1994 Honda Accord
- 2005 Ford Pickup (full size)
- 2000 Honda Civic
- 2011 Toyota Camry
- 2000 Dodge Caravan
- 2010 Toyota Corolla
- 2002 Ford Explorer
- 1995 Chevrolet Pickup (full size)
- 2006 Nissan Altima
- 2005 Jeep Grand Cherokee