Caught without insurance? If you owe fees as a result of not insuring your vehicle, you may be able to enter into a plan to pay the fees over time and continue driving.
How the Program Works
In order to legally drive, an owner caught with an uninsured vehicle must pay a $600 fee for every order of suspension issued by the Virginia Department of Motor Vehicles (DMV), as well as a reinstatement fee. Under this payment plan:
- The eligible vehicle owner must pay a minimum of $25 a month per vehicle by the due date.
- The balance must be paid in full within three years.
- The eligible vehicle owner must provide proof of financial responsibility (e.g. Form SR-22 or FR-44) for three years from the date of suspension, even if the balance is paid off before three years.
In order to participate in the payment program, the individual must:
- Be 18 years of age or older
- Have driving privileges suspended due to lack of insurance on vehicle
- Have no other outstanding suspensions, revocations, or conditions preventing the reinstatement of driving and registration privileges
- Provide proof of financial responsibility (e.g. Form SR-22 or FR-44) on file with DMV
- Have not defaulted twice on the same DMV payment plan agreement
- Pay a $25 administrative fee, the reinstatement fee, and, if applicable, a $5 fee for each additional suspension order
Acceptable Methods of Payment
- DMV accepts payment by personal check, cash, cashier’s check, credit card, debit card or money order. Credit or debit card payments cannot be made by mail.
- DMV does not offer Automated Clearing House (ACH) debit transactions for the payment plan.
- DMV will not electronically transfer funds from your bank account for payment plan payments.
- DMV has payment plan coupons available for those who apply to participate in the payment plan.
Inquiries about payment plan balances can be made by accessing your myDMV account or by contacting DMV at (804) 497-7100.