The state will even finance the UMV fee so drivers can pay it over time.Ībout 10 percent of Virginia drivers do not have auto insurance, according to the Insurance Research Council. Under the Virginia State law, a driver who has an uninsured vehicle can pay an uninsured motor vehicle fee of $500 to be allowed to drive without a car insurance and no penalties for 12 months. The annual fee is a few hundred dollars less than the average annual premium for auto liability insurance in Virginia. In fact, Virginia does not require automotive liability insurance. ![]() However, Virginia drivers are sometimes involved in car accidents with motorists who do not have auto liability insurance. ![]() ![]() Most drivers know that if they are involved in a car accident someone else has caused, then the at-fault driver’s auto liability insurance will pay for their losses.
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