🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 181 (from laksa025)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa181.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.dmv.virginia.gov/vehicles/insurance-requirements\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.dmv.virginia.gov/vehicles/insurance-requirements\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.dmv.virginia.gov\/vehicles\/insurance-requirements","crawl_time":1775938324,"first_indexed_time":1691795488,"http_code":200,"src_unparsed":"gov,virginia!dmv,www,\/vehicles\/insurance-requirements s443","src_root_hash":"8340905246862912181","history_drop_reason":null,"meta_title":"Insurance Requirements | Virginia Department of Motor Vehicles","meta_descriptions":["To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements. Insurance requirements also apply to antique"],"attrs_boilerpipe_text":"To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.\nVirginia requires the minimum coverage limits set forth in the Code of Virginia §\n46.2-472\n.\nInsurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.\nSelf-insurance or Surety Bonds are special options for owners of business vehicles.\nMonitoring and Verification of Insurance Coverage\nIn partnership with the insurance industry, the Virginia Department of Motor Vehicles (DMV)administers a program to electronically verify the automobile liability insurance on Virginia registered vehicles. If no insurance is found for a particular motor vehicle, the owner is required to furnish policy information to DMV for verification. For more information, refer to\nVerification of Insurance Coverage\n.\nCarrying Proof of Insurance\nDrivers should keep proof of insurance in their vehicle at all times.\nPenalties\nSevere penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must:\nreinsure the vehicle\ndeactivate your license plates\nOR\npermanently surrender the license plates\nto DMV.\nUninsured vehicle owners will have their driving and vehicle registration privileges suspended. To be reinstated, you must:\npay a $600 non-compliance fee\nfile a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years\nand pay a reinstatement fee, if applicable.\nEligible vehicle owners may enter into a\nPayment Plan Program\nto pay the statutory fee over time.\nLiability Insurance Policy Minimum Limits\nLiability Insurance Coverage Requirements\n \n \nInjury or death of one person\nInjury or death of two or more people\nProperty damage\nPolicies effective Jan. 1, 2022 through December 31, 2024\n$30,000\n$60,000\n$20,000\nPolicies effective on or after Jan. 1, 2025\n$50,000\n$100,000\n$25,000\nAdditional Information\nFor additional insurance information, either:\nRefer to the Virginia State Corporation Commission's\nAutomobile Insurance\nresources\nContact us","attrs_markdown":"[Skip to main content](https:\/\/www.dmv.virginia.gov\/vehicles\/insurance-requirements#main)\n\n[Virginia Department of Motor Vehicles](https:\/\/www.dmv.virginia.gov\/)\n\n## Utility menu\n- [Online Services](https:\/\/www.dmv.virginia.gov\/online-services)\n- [Locations](https:\/\/www.dmv.virginia.gov\/locations)\n- [Moving](https:\/\/www.dmv.virginia.gov\/moving)\n- [Forms](https:\/\/www.dmv.virginia.gov\/forms)\n- [My Account](https:\/\/transactions.dmv.virginia.gov\/apps\/webtrans\/CustomerProfile\/details.aspx)\n\nSearch\n\n## Main menu\n- Licenses & IDs\n  ## [Licenses & IDs](https:\/\/www.dmv.virginia.gov\/licenses-ids)\n  - [Driver's License](https:\/\/www.dmv.virginia.gov\/licenses-ids\/license)\n  - [Learner's Permits](https:\/\/www.dmv.virginia.gov\/licenses-ids\/learners)\n  - [Virginia Mobile ID](https:\/\/www.dmv.virginia.gov\/licenses-ids\/mobile-id)\n  - [Commercial Driver's Licenses](https:\/\/www.dmv.virginia.gov\/licenses-ids\/cdl)\n  - [ID Cards](https:\/\/www.dmv.virginia.gov\/licenses-ids\/id-cards)\n  - [REAL ID](https:\/\/www.dmv.virginia.gov\/licenses-ids\/real-id)\n  - [Motorcycle License](https:\/\/www.dmv.virginia.gov\/licenses-ids\/motorcycle)\n  - [Exams & Study Materials](https:\/\/www.dmv.virginia.gov\/licenses-ids\/exams)\n  - [Driver Training](https:\/\/www.dmv.virginia.gov\/licenses-ids\/training)\n  - [Driver Improvement](https:\/\/www.dmv.virginia.gov\/licenses-ids\/improvement)\n  - [Disability Programs](https:\/\/www.dmv.virginia.gov\/licenses-ids\/disability)\n  - [Payment Plan Program](https:\/\/www.dmv.virginia.gov\/licenses-ids\/payment-plan-program)\n  - [Organ Donation](https:\/\/www.dmv.virginia.gov\/licenses-ids\/organ-donation)\n  - [License Extension](https:\/\/www.dmv.virginia.gov\/licenses-ids\/license-extension)\n  - [Military Personnel](https:\/\/www.dmv.virginia.gov\/military)\n  - [Moving](https:\/\/www.dmv.virginia.gov\/moving)\n  - [No-Cost Credentials and Vital Records for Homeless Youth](https:\/\/www.dmv.virginia.gov\/licenses-ids\/no-cost-credentials)\n  \n  [Document Guide Know which documents are required for your driver application before you head to DMV. Access Guide](https:\/\/transactions.dmv.virginia.gov\/apps\/documentbuilder\/intro.aspx)\n- Vehicles\n  ## [Vehicles](https:\/\/www.dmv.virginia.gov\/vehicles)\n  - [Title Your Vehicle or Trailer](https:\/\/www.dmv.virginia.gov\/vehicles\/title)\n  - [Registration](https:\/\/www.dmv.virginia.gov\/vehicles\/registration)\n  - [License Plates](https:\/\/www.dmv.virginia.gov\/vehicles\/license-plates)\n  - [Buying\/Selling a Vehicle](https:\/\/www.dmv.virginia.gov\/vehicles\/buy-sell)\n  - [Insurance Coverage Verification](https:\/\/www.dmv.virginia.gov\/vehicles\/insurance-coverage)\n  - [Taxes & Fees](https:\/\/www.dmv.virginia.gov\/vehicles\/taxes-fees)\n  - [E-ZPass at DMV](https:\/\/www.dmv.virginia.gov\/vehicles\/ez-pass)\n  - [Insurance Requirements](https:\/\/www.dmv.virginia.gov\/vehicles\/insurance-requirements)\n  - [General Information](https:\/\/www.dmv.virginia.gov\/vehicles\/general)\n  - [National Motor Vehicle Titling Information System (NMVTIS)](https:\/\/www.dmv.virginia.gov\/vehicles\/nmvtis)\n  - [Abandoned Vehicle FAQs](https:\/\/www.dmv.virginia.gov\/vehicles\/avp-faq)\n  - [Abandoned Vehicles\/ Mechanic's & Storage Lien (MSL) Vehicles](https:\/\/www.dmv.virginia.gov\/vehicles\/avp-msl)\n  - [Download Vehicle Forms](https:\/\/www.dmv.virginia.gov\/vehicles\/vehicle-forms)\n  \n  [Registration Renewal Renew your vehicle registration before it expires to avoid a late fee. Renew Registration](https:\/\/transactions.dmv.virginia.gov\/apps\/webtrans\/Vehicle_Registration\/intro.aspx)\n- Businesses\n  ## [Businesses](https:\/\/www.dmv.virginia.gov\/businesses)\n  - [Motor Carriers](https:\/\/www.dmv.virginia.gov\/businesses\/motor-carriers)\n  - [Hauling Permits](https:\/\/www.dmv.virginia.gov\/businesses\/hauling)\n  - [Insurance Services](https:\/\/www.dmv.virginia.gov\/businesses\/insurance)\n  - [Electronic Lien Program](https:\/\/www.dmv.virginia.gov\/businesses\/lien)\n  - [Virginia Motor Fuels Tax Programs](https:\/\/www.dmv.virginia.gov\/businesses\/tax-act)\n  - [Business Opportunities](https:\/\/www.dmv.virginia.gov\/businesses\/opportunities)\n  - [How to Become a DMV Select Partner](https:\/\/www.dmv.virginia.gov\/businesses\/become-dmv-select)\n  - [Online Fleet](https:\/\/www.dmv.virginia.gov\/businesses\/online-fleet)\n  - [Dealer Services](https:\/\/www.dmv.virginia.gov\/businesses\/dealer-services)\n  - [Online Dealers](https:\/\/www.dmv.virginia.gov\/businesses\/odealer)\n  - [Online Operating Authority Application](https:\/\/www.dmv.virginia.gov\/businesses\/motor-carriers\/intrastate\/online-operating-authority-application)\n  - [Rental Tax](https:\/\/www.dmv.virginia.gov\/businesses\/rental-tax)\n  - [Transportation Network Companies (TNC)](https:\/\/www.dmv.virginia.gov\/businesses\/tnc)\n  \n  [VIIM System VIIM System to conduct your Virginia IRP and\/or IFTA transactions online. VIIM System](https:\/\/www.dmv.virginia.gov\/businesses\/motor-carriers\/viim-system)\n- Records\n  ## [Records](https:\/\/www.dmv.virginia.gov\/records)\n  - [Driver Alert Voluntary Driving Record Monitoring Program](https:\/\/www.dmv.virginia.gov\/records\/voluntary)\n  - [Request a Copy of Your Driver or Vehicle Record](https:\/\/www.dmv.virginia.gov\/records\/request-driver-vehicle-record)\n  - [Request a Police Crash Report from DMV](https:\/\/www.dmv.virginia.gov\/records\/request-police-crash-report)\n  - [Obtain Vehicle History](https:\/\/www.dmv.virginia.gov\/records\/vehicle-history)\n  - [Change Address, Name or Sex Designation](https:\/\/www.dmv.virginia.gov\/records\/personal-information-updates)\n  - [Non-Governmental Access to DMV Records](https:\/\/www.dmv.virginia.gov\/records\/non-governmental-access)\n  - [Governmental Access to DMV Records](https:\/\/www.dmv.virginia.gov\/records\/governmental-access)\n  - [Resources for Family of Deceased](https:\/\/www.dmv.virginia.gov\/records\/family-deceased)\n  - [Emergency Contact Information](https:\/\/www.dmv.virginia.gov\/records\/emergency-contact)\n  - [Vital Records at DMV](https:\/\/www.dmv.virginia.gov\/records\/vital)\n  - [Prospective Purchaser Inquiry (PPI)](https:\/\/www.dmv.virginia.gov\/records\/ppi)\n  - [Release of DMV Information](https:\/\/www.dmv.virginia.gov\/records\/release)\n  - [Freedom of Information Act (FOIA) Rights and Responsibilities](https:\/\/www.dmv.virginia.gov\/records\/foia)\n  - [Register to Vote](https:\/\/www.dmv.virginia.gov\/records\/vote)\n  \n  [Driving & Vehicle Records Purchase a copy of your driver or vehicle record online. View Records](https:\/\/transactions.dmv.virginia.gov\/apps\/webtrans\/records\/intro.aspx)\n- Safety\n  ## [Safety](https:\/\/www.dmv.virginia.gov\/safety)\n  - [Safety Resources](https:\/\/www.dmv.virginia.gov\/safety\/resources)\n  - [Statewide Crash Data](https:\/\/www.dmv.virginia.gov\/safety\/crash-data)\n  - [Grants Management](https:\/\/www.dmv.virginia.gov\/safety\/grants-management)\n  - [Safety Programs](https:\/\/www.dmv.virginia.gov\/safety\/programs)\n  \n  [Points Balance Check your points balance to see where your record stands. Check Balance](https:\/\/transactions.dmv.virginia.gov\/apps\/webtrans\/CustomerProfile\/details.aspx)\n\n[Reserve Your Spot](https:\/\/www.dmv.virginia.gov\/appointments)\n\n## Scam Alert\\!\nThe Virginia DMV is aware of fraudulent text messages that are being sent regarding fines and suspensions. DMV will NEVER send text messages about your fines or suspensions, or request you share financial details by text. Report and delete unwanted text messages. Use your phone’s Delete and Report Spam options to report unwanted texts.\n\nDismiss Alert\n\n## Breadcrumb\n1. [Home](https:\/\/www.dmv.virginia.gov\/)\n2. [Vehicles](https:\/\/www.dmv.virginia.gov\/vehicles)\n# Insurance Requirements\n\nTo purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.\n\nVirginia requires the minimum coverage limits set forth in the Code of Virginia § [46\\.2-472](https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-472).\n\nInsurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.\n\nSelf-insurance or Surety Bonds are special options for owners of business vehicles.\n\n## Monitoring and Verification of Insurance Coverage\nIn partnership with the insurance industry, the Virginia Department of Motor Vehicles (DMV)administers a program to electronically verify the automobile liability insurance on Virginia registered vehicles. If no insurance is found for a particular motor vehicle, the owner is required to furnish policy information to DMV for verification. For more information, refer to [Verification of Insurance Coverage](https:\/\/www.dmv.virginia.gov\/node\/8996).\n\n## Carrying Proof of Insurance\n**Drivers should keep proof of insurance in their vehicle at all times.**\n\n## Penalties\nSevere penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must:\n\n- reinsure the vehicle\n- [deactivate your license plates](https:\/\/transactions.dmv.virginia.gov\/dmvnet\/reg_deactivate\/deactivate_intro.aspx) OR\n- [permanently surrender the license plates](https:\/\/www.dmv.virginia.gov\/vehicles\/license-plates\/surrender \"What to Do with Your License Plates\") to DMV.\n\nUninsured vehicle owners will have their driving and vehicle registration privileges suspended. To be reinstated, you must:\n\n- pay a \\$600 non-compliance fee\n- file a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years\n- and pay a reinstatement fee, if applicable.\n\nEligible vehicle owners may enter into a [Payment Plan Program](https:\/\/www.dmv.virginia.gov\/node\/7906) to pay the statutory fee over time.\n\n## Liability Insurance Policy Minimum Limits\n| Liability Insurance Coverage Requirements |   |   |   |\n|---|---|---|---|\n|   | Injury or death of one person | Injury or death of two or more people | Property damage |\n| Policies effective Jan. 1, 2022 through December 31, 2024 | \\$30,000 | \\$60,000 | \\$20,000 |\n| Policies effective on or after Jan. 1, 2025 | \\$50,000 | \\$100,000 | \\$25,000 |\n## Additional Information\nFor additional insurance information, either:\n\n- Refer to the Virginia State Corporation Commission's [Automobile Insurance](https:\/\/www.scc.virginia.gov\/consumers\/insurance\/property-casualty-consumer\/automobile-insurance\/) resources\n- [Contact us](https:\/\/www.dmv.virginia.gov\/node\/7146)\n\n## About Us\nThrough our mission purpose, the DMV aims to be Virginia's most trusted service provider.\n\n- [About DMV](https:\/\/www.dmv.virginia.gov\/about)\n- [Careers](https:\/\/www.dmv.virginia.gov\/careers)\n- [Procurement](https:\/\/www.dmv.virginia.gov\/policies-regulations\/procurement)\n\n## Resources\n- [Online Services](https:\/\/www.dmv.virginia.gov\/online-services)\n- [How Do I?](https:\/\/www.dmv.virginia.gov\/how-do-i)\n- [Forms](https:\/\/www.dmv.virginia.gov\/forms)\n- [News](https:\/\/www.dmv.virginia.gov\/news)\n- [Policies & Regulations](https:\/\/www.dmv.virginia.gov\/policies-regulations)\n- [Fee Chart](https:\/\/www.dmv.virginia.gov\/sites\/default\/files\/dmv201.pdf)\n- [¿Habla Español?](https:\/\/www.dmv.virginia.gov\/espanol)\n\n## Contact\n- [Locations](https:\/\/www.dmv.virginia.gov\/locations)\n- [Contact Us](https:\/\/www.dmv.virginia.gov\/contact-us)\n- [Media](https:\/\/www.dmv.virginia.gov\/media-resources)\n\n## Stay Connected\n- [Facebook](http:\/\/www.facebook.com\/VirginiaDMV)\n- [Instagram](http:\/\/instagram.com\/virginiaDMV)\n- [LinkedIn](https:\/\/www.linkedin.com\/company\/vadmv\/)\n- [Twitter](http:\/\/twitter.com\/VirginiaDMV)\n- [Youtube](http:\/\/www.youtube.com\/VirginiaDMV)\n\n[Virginia Department of Motor Vehicles (Superior Service \\| Secure Credentials \\| Saving Lives)](https:\/\/www.dmv.virginia.gov\/)\n\n©2026 Virginia Department of Motor Vehicles. All Rights Reserved. [Privacy Policy.](https:\/\/www.dmv.virginia.gov\/policies-regulations\/web-policy)","attrs_readable_markdown":"To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia.\n\nVirginia requires the minimum coverage limits set forth in the Code of Virginia § [46\\.2-472](https:\/\/law.lis.virginia.gov\/vacode\/title46.2\/chapter3\/section46.2-472).\n\nInsurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent.\n\nSelf-insurance or Surety Bonds are special options for owners of business vehicles.\n\n## Monitoring and Verification of Insurance Coverage\nIn partnership with the insurance industry, the Virginia Department of Motor Vehicles (DMV)administers a program to electronically verify the automobile liability insurance on Virginia registered vehicles. If no insurance is found for a particular motor vehicle, the owner is required to furnish policy information to DMV for verification. For more information, refer to [Verification of Insurance Coverage](https:\/\/www.dmv.virginia.gov\/node\/8996).\n\n## Carrying Proof of Insurance\n**Drivers should keep proof of insurance in their vehicle at all times.**\n\n## Penalties\nSevere penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must:\n\n- reinsure the vehicle\n- [deactivate your license plates](https:\/\/transactions.dmv.virginia.gov\/dmvnet\/reg_deactivate\/deactivate_intro.aspx) OR\n- [permanently surrender the license plates](https:\/\/www.dmv.virginia.gov\/vehicles\/license-plates\/surrender \"What to Do with Your License Plates\") to DMV.\n\nUninsured vehicle owners will have their driving and vehicle registration privileges suspended. To be reinstated, you must:\n\n- pay a \\$600 non-compliance fee\n- file a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years\n- and pay a reinstatement fee, if applicable.\n\nEligible vehicle owners may enter into a [Payment Plan Program](https:\/\/www.dmv.virginia.gov\/node\/7906) to pay the statutory fee over time.\n\n## Liability Insurance Policy Minimum Limits\n| Liability Insurance Coverage Requirements |   |   |   |\n|---|---|---|---|\n|   | Injury or death of one person | Injury or death of two or more people | Property damage |\n| Policies effective Jan. 1, 2022 through December 31, 2024 | \\$30,000 | \\$60,000 | \\$20,000 |\n| Policies effective on or after Jan. 1, 2025 | \\$50,000 | \\$100,000 | \\$25,000 |\n## Additional Information\nFor additional insurance information, either:\n\n- Refer to the Virginia State Corporation Commission's [Automobile Insurance](https:\/\/www.scc.virginia.gov\/consumers\/insurance\/property-casualty-consumer\/automobile-insurance\/) resources\n- [Contact us](https:\/\/www.dmv.virginia.gov\/node\/7146)","meta_canonical":null}

3. Robots.txt Check

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Response:

4. Spam/Ban Check

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Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

1 day ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0.1 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://www.dmv.virginia.gov/vehicles/insurance-requirements
Last Crawled	2026-04-11 20:12:04 (1 day ago)
First Indexed	2023-08-11 23:11:28 (2 years ago)
HTTP Status Code	200
Meta Title	Insurance Requirements \| Virginia Department of Motor Vehicles
Meta Description	To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements. Insurance requirements also apply to antique
Meta Canonical	null
Boilerpipe Text	To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia. Virginia requires the minimum coverage limits set forth in the Code of Virginia § 46.2-472 . Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent. Self-insurance or Surety Bonds are special options for owners of business vehicles. Monitoring and Verification of Insurance Coverage In partnership with the insurance industry, the Virginia Department of Motor Vehicles (DMV)administers a program to electronically verify the automobile liability insurance on Virginia registered vehicles. If no insurance is found for a particular motor vehicle, the owner is required to furnish policy information to DMV for verification. For more information, refer to Verification of Insurance Coverage . Carrying Proof of Insurance Drivers should keep proof of insurance in their vehicle at all times. Penalties Severe penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must: reinsure the vehicle deactivate your license plates OR permanently surrender the license plates to DMV. Uninsured vehicle owners will have their driving and vehicle registration privileges suspended. To be reinstated, you must: pay a $600 non-compliance fee file a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years and pay a reinstatement fee, if applicable. Eligible vehicle owners may enter into a Payment Plan Program to pay the statutory fee over time. Liability Insurance Policy Minimum Limits Liability Insurance Coverage Requirements Injury or death of one person Injury or death of two or more people Property damage Policies effective Jan. 1, 2022 through December 31, 2024 $30,000 $60,000 $20,000 Policies effective on or after Jan. 1, 2025 $50,000 $100,000 $25,000 Additional Information For additional insurance information, either: Refer to the Virginia State Corporation Commission's Automobile Insurance resources Contact us
Markdown	[Skip to main content](https://www.dmv.virginia.gov/vehicles/insurance-requirements#main) [Virginia Department of Motor Vehicles](https://www.dmv.virginia.gov/) ## Utility menu - [Online Services](https://www.dmv.virginia.gov/online-services) - [Locations](https://www.dmv.virginia.gov/locations) - [Moving](https://www.dmv.virginia.gov/moving) - [Forms](https://www.dmv.virginia.gov/forms) - [My Account](https://transactions.dmv.virginia.gov/apps/webtrans/CustomerProfile/details.aspx) Search ## Main menu - Licenses & IDs ## [Licenses & IDs](https://www.dmv.virginia.gov/licenses-ids) - [Driver's License](https://www.dmv.virginia.gov/licenses-ids/license) - [Learner's Permits](https://www.dmv.virginia.gov/licenses-ids/learners) - [Virginia Mobile ID](https://www.dmv.virginia.gov/licenses-ids/mobile-id) - [Commercial Driver's Licenses](https://www.dmv.virginia.gov/licenses-ids/cdl) - [ID Cards](https://www.dmv.virginia.gov/licenses-ids/id-cards) - [REAL ID](https://www.dmv.virginia.gov/licenses-ids/real-id) - [Motorcycle License](https://www.dmv.virginia.gov/licenses-ids/motorcycle) - [Exams & Study Materials](https://www.dmv.virginia.gov/licenses-ids/exams) - [Driver Training](https://www.dmv.virginia.gov/licenses-ids/training) - [Driver Improvement](https://www.dmv.virginia.gov/licenses-ids/improvement) - [Disability Programs](https://www.dmv.virginia.gov/licenses-ids/disability) - [Payment Plan Program](https://www.dmv.virginia.gov/licenses-ids/payment-plan-program) - [Organ Donation](https://www.dmv.virginia.gov/licenses-ids/organ-donation) - [License Extension](https://www.dmv.virginia.gov/licenses-ids/license-extension) - [Military Personnel](https://www.dmv.virginia.gov/military) - [Moving](https://www.dmv.virginia.gov/moving) - [No-Cost Credentials and Vital Records for Homeless Youth](https://www.dmv.virginia.gov/licenses-ids/no-cost-credentials) [Document Guide Know which documents are required for your driver application before you head to DMV. Access Guide](https://transactions.dmv.virginia.gov/apps/documentbuilder/intro.aspx) - Vehicles ## [Vehicles](https://www.dmv.virginia.gov/vehicles) - [Title Your Vehicle or Trailer](https://www.dmv.virginia.gov/vehicles/title) - [Registration](https://www.dmv.virginia.gov/vehicles/registration) - [License Plates](https://www.dmv.virginia.gov/vehicles/license-plates) - [Buying/Selling a Vehicle](https://www.dmv.virginia.gov/vehicles/buy-sell) - [Insurance Coverage Verification](https://www.dmv.virginia.gov/vehicles/insurance-coverage) - [Taxes & Fees](https://www.dmv.virginia.gov/vehicles/taxes-fees) - [E-ZPass at DMV](https://www.dmv.virginia.gov/vehicles/ez-pass) - [Insurance Requirements](https://www.dmv.virginia.gov/vehicles/insurance-requirements) - [General Information](https://www.dmv.virginia.gov/vehicles/general) - [National Motor Vehicle Titling Information System (NMVTIS)](https://www.dmv.virginia.gov/vehicles/nmvtis) - [Abandoned Vehicle FAQs](https://www.dmv.virginia.gov/vehicles/avp-faq) - [Abandoned Vehicles/ Mechanic's & Storage Lien (MSL) Vehicles](https://www.dmv.virginia.gov/vehicles/avp-msl) - [Download Vehicle Forms](https://www.dmv.virginia.gov/vehicles/vehicle-forms) [Registration Renewal Renew your vehicle registration before it expires to avoid a late fee. 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Use your phone’s Delete and Report Spam options to report unwanted texts. Dismiss Alert ## Breadcrumb 1. [Home](https://www.dmv.virginia.gov/) 2. [Vehicles](https://www.dmv.virginia.gov/vehicles) # Insurance Requirements To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia. Virginia requires the minimum coverage limits set forth in the Code of Virginia § [46\.2-472](https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-472). Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent. Self-insurance or Surety Bonds are special options for owners of business vehicles. ## Monitoring and Verification of Insurance Coverage In partnership with the insurance industry, the Virginia Department of Motor Vehicles (DMV)administers a program to electronically verify the automobile liability insurance on Virginia registered vehicles. If no insurance is found for a particular motor vehicle, the owner is required to furnish policy information to DMV for verification. For more information, refer to [Verification of Insurance Coverage](https://www.dmv.virginia.gov/node/8996). ## Carrying Proof of Insurance Drivers should keep proof of insurance in their vehicle at all times. ## Penalties Severe penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must: - reinsure the vehicle - [deactivate your license plates](https://transactions.dmv.virginia.gov/dmvnet/reg_deactivate/deactivate_intro.aspx) OR - [permanently surrender the license plates](https://www.dmv.virginia.gov/vehicles/license-plates/surrender "What to Do with Your License Plates") to DMV. Uninsured vehicle owners will have their driving and vehicle registration privileges suspended. To be reinstated, you must: - pay a \$600 non-compliance fee - file a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years - and pay a reinstatement fee, if applicable. Eligible vehicle owners may enter into a [Payment Plan Program](https://www.dmv.virginia.gov/node/7906) to pay the statutory fee over time. ## Liability Insurance Policy Minimum Limits \| Liability Insurance Coverage Requirements \| \| \| \| \|---\|---\|---\|---\| \| \| Injury or death of one person \| Injury or death of two or more people \| Property damage \| \| Policies effective Jan. 1, 2022 through December 31, 2024 \| \$30,000 \| \$60,000 \| \$20,000 \| \| Policies effective on or after Jan. 1, 2025 \| \$50,000 \| \$100,000 \| \$25,000 \| ## Additional Information For additional insurance information, either: - Refer to the Virginia State Corporation Commission's [Automobile Insurance](https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/automobile-insurance/) resources - [Contact us](https://www.dmv.virginia.gov/node/7146) ## About Us Through our mission purpose, the DMV aims to be Virginia's most trusted service provider. - [About DMV](https://www.dmv.virginia.gov/about) - [Careers](https://www.dmv.virginia.gov/careers) - [Procurement](https://www.dmv.virginia.gov/policies-regulations/procurement) ## Resources - [Online Services](https://www.dmv.virginia.gov/online-services) - [How Do I?](https://www.dmv.virginia.gov/how-do-i) - [Forms](https://www.dmv.virginia.gov/forms) - [News](https://www.dmv.virginia.gov/news) - [Policies & Regulations](https://www.dmv.virginia.gov/policies-regulations) - [Fee Chart](https://www.dmv.virginia.gov/sites/default/files/dmv201.pdf) - [¿Habla Español?](https://www.dmv.virginia.gov/espanol) ## Contact - [Locations](https://www.dmv.virginia.gov/locations) - [Contact Us](https://www.dmv.virginia.gov/contact-us) - [Media](https://www.dmv.virginia.gov/media-resources) ## Stay Connected - [Facebook](http://www.facebook.com/VirginiaDMV) - [Instagram](http://instagram.com/virginiaDMV) - [LinkedIn](https://www.linkedin.com/company/vadmv/) - [Twitter](http://twitter.com/VirginiaDMV) - [Youtube](http://www.youtube.com/VirginiaDMV) [Virginia Department of Motor Vehicles (Superior Service \\| Secure Credentials \\| Saving Lives)](https://www.dmv.virginia.gov/) ©2026 Virginia Department of Motor Vehicles. 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Readable Markdown	To purchase license plates or decals, you must certify that the vehicle is covered by the minimum insurance requirements. Insurance requirements also apply to antique motor vehicles. Your insurance carrier must be authorized to conduct business in Virginia. Virginia requires the minimum coverage limits set forth in the Code of Virginia § [46\.2-472](https://law.lis.virginia.gov/vacode/title46.2/chapter3/section46.2-472). Insurance companies may factor in their policy premium the driving record of any individual of driving age that resides within an insured's household. If you have any questions regarding the potential impact a newly licensed driver may have on your policy, you may wish to contact your insurance agent. Self-insurance or Surety Bonds are special options for owners of business vehicles. ## Monitoring and Verification of Insurance Coverage In partnership with the insurance industry, the Virginia Department of Motor Vehicles (DMV)administers a program to electronically verify the automobile liability insurance on Virginia registered vehicles. If no insurance is found for a particular motor vehicle, the owner is required to furnish policy information to DMV for verification. For more information, refer to [Verification of Insurance Coverage](https://www.dmv.virginia.gov/node/8996). ## Carrying Proof of Insurance Drivers should keep proof of insurance in their vehicle at all times. ## Penalties Severe penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must: - reinsure the vehicle - [deactivate your license plates](https://transactions.dmv.virginia.gov/dmvnet/reg_deactivate/deactivate_intro.aspx) OR - [permanently surrender the license plates](https://www.dmv.virginia.gov/vehicles/license-plates/surrender "What to Do with Your License Plates") to DMV. Uninsured vehicle owners will have their driving and vehicle registration privileges suspended. To be reinstated, you must: - pay a \$600 non-compliance fee - file a Financial Responsibility Insurance Certificate (SR-22) with DMV for three years - and pay a reinstatement fee, if applicable. Eligible vehicle owners may enter into a [Payment Plan Program](https://www.dmv.virginia.gov/node/7906) to pay the statutory fee over time. ## Liability Insurance Policy Minimum Limits \| Liability Insurance Coverage Requirements \| \| \| \| \|---\|---\|---\|---\| \| \| Injury or death of one person \| Injury or death of two or more people \| Property damage \| \| Policies effective Jan. 1, 2022 through December 31, 2024 \| \$30,000 \| \$60,000 \| \$20,000 \| \| Policies effective on or after Jan. 1, 2025 \| \$50,000 \| \$100,000 \| \$25,000 \| ## Additional Information For additional insurance information, either: - Refer to the Virginia State Corporation Commission's [Automobile Insurance](https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/automobile-insurance/) resources - [Contact us](https://www.dmv.virginia.gov/node/7146)
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