Virginia: Insurance and financial responsibility Practice Test
Virginia’s minimum liability insurance, the insurance monitoring program, and driving without insurance.
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Questions are original and based on the official manual "Virginia Driver's Manual" (DMV 39 (April 27, 2026)), Virginia Department of Motor Vehicles (DMV).
All 17 questions in this practice test
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When registering a motor vehicle, what must you sign on the registration application, unless you pay the uninsured motor vehicle fee?
- A statement that you have completed a driver improvement clinic
- A statement that you have liability insurance coverage for your vehicle
- A statement that you have never been convicted of a DUI
- A statement that no open alcohol containers will be carried in it
Show answer
Correct answer: A statement that you have liability insurance coverage for your vehicle
The registration application includes a signed statement that the vehicle has liability insurance coverage, unless the uninsured motor vehicle fee is paid.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 29 · Open this page in the manual (Manual page 29)
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Under the insurance monitoring program, which situation will cause DMV to suspend your driving privilege?
- You change insurance companies and DMV is told about the new policy right away
- You lend your insured vehicle to a licensed family member for a week while you travel
- You return your license plates to DMV before your coverage ends and cancel the registration
- There is a break in your insurance coverage and you do not return your license plates to DMV
Show answer
Correct answer: There is a break in your insurance coverage and you do not return your license plates to DMV
A gap in coverage without returning the license plates to DMV leads to a suspension of the driving privilege.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 30 · Open this page in the manual (Manual page 30)
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What will DMV do if you do not submit the insurance policy information it requests to verify that you have liability insurance coverage?
- Suspend your driving privilege
- Assign six demerit points to your record
- Require you to complete a driver improvement clinic
- Impound your vehicle for 30 days
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Correct answer: Suspend your driving privilege
Not submitting the requested insurance policy information is one of the reasons DMV suspends the driving privilege.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 30 · Open this page in the manual (Manual page 30)
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To register a vehicle and obtain license plates, what must you have?
- A certificate of insurance filed for three years
- Liability insurance or the uninsured motor vehicle fee paid
- A written statement from your insurance agent about household drivers
- A letter from your locality approving the plates
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Correct answer: Liability insurance or the uninsured motor vehicle fee paid
Registration requires liability insurance or payment of the uninsured motor vehicle fee.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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With what kind of company should you insure your vehicle?
- One authorized to do business in Virginia
- One owned by the Commonwealth of Virginia
- One approved by your city or county government
- One that DMV recommends for new drivers
Show answer
Correct answer: One authorized to do business in Virginia
The manual says to insure your vehicle with a company authorized to do business in Virginia.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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For policies effective on or after Jan. 1, 2022, what is the minimum liability coverage for injury or death of one person?
- $15,000
- $20,000
- $30,000
- $40,000
Show answer
Correct answer: $30,000
The current minimum for injury or death of one person is $30,000.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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For policies effective on or after Jan. 1, 2022, what is the minimum liability coverage for injury or death of two or more people?
- $40,000
- $60,000
- $80,000
- $100,000
Show answer
Correct answer: $60,000
The current minimum for injury or death of two or more people is $60,000.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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For policies effective on or after Jan. 1, 2022, what is the minimum liability coverage for property damage?
- $10,000
- $15,000
- $40,000
- $20,000
Show answer
Correct answer: $20,000
The minimum property damage coverage is $20,000.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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What may insurance companies factor into their policy premium?
- The driving records of anyone of driving age in the household
- Only the driving record of the person who owns the vehicle
- The month and year shown on the vehicle’s license plate decals
- Only the driving record of the person named on the registration
Show answer
Correct answer: The driving records of anyone of driving age in the household
Premiums may reflect the records of everyone of driving age in the household, so a newly licensed driver can affect a policy.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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In some cases, the liability insurance requirements may be what?
- Lower than the required minimum amounts
- Waived for vehicles that are not driven
- Higher than the required minimum amounts
- Waived for new residents for 60 days
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Correct answer: Higher than the required minimum amounts
The manual warns that in some cases liability insurance requirements may be higher than the usual minimums.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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Does paying the uninsured motor vehicle fee provide you with insurance coverage?
- Yes, it provides coverage up to the minimum amounts
- Yes, but only for property damage
- No, it does not provide insurance coverage
- Yes, but only for injury to one person
Show answer
Correct answer: No, it does not provide insurance coverage
The fee gives no coverage; it only lets you register and operate the vehicle.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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For how long does paying the uninsured motor vehicle fee allow you to register and operate the vehicle in Virginia?
- One year
- Six months
- Two years
- Three years
Show answer
Correct answer: One year
The fee allows registration and operation of the vehicle for a one-year period.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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When must you insure your Virginia-registered vehicle?
- Only during the months when you actually drive it
- Only while it is being driven on public roads in Virginia
- Only until the safety inspection has been completed
- For the whole registration period, even if it is not driven
Show answer
Correct answer: For the whole registration period, even if it is not driven
Insurance must continue for the whole registration period, whether or not the vehicle is driven.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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What must you do before you cancel your insurance on a registered vehicle?
- Pass a new safety inspection
- Return the license plates to DMV and cancel the registration
- Notify your locality and pay the registration decal fee
- File a certificate of insurance with DMV
Show answer
Correct answer: Return the license plates to DMV and cancel the registration
Plates must be returned and the registration cancelled before you drop the insurance.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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If you are caught driving without insurance and did not pay the uninsured motor vehicle fee, what will DMV do?
- Suspend your driving privilege
- Cancel your vehicle title
- Issue a warning and a 30-day grace period
- Require a new knowledge exam only
Show answer
Correct answer: Suspend your driving privilege
DMV suspends the driving privilege of an uninsured driver who has not paid the uninsured motor vehicle fee.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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After an uninsured-driving suspension, what must your insurance company file before you regain your driving privilege?
- A statement that your vehicle has passed its safety inspection
- A list of all drivers of driving age living in your household
- A certificate of a policy with the required coverage limits
- A copy of your vehicle registration card and title
Show answer
Correct answer: A certificate of a policy with the required coverage limits
One condition for ending the suspension is that your insurer files proof of a policy with the required coverage limits.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)
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For how long must you file the certificate of insurance after you regain your driving privileges?
- One year
- Three years
- Two years
- Five years
Show answer
Correct answer: Three years
The certificate must be filed for three years from the date you regain your driving privileges.
Source: Virginia Driver's Manual (DMV 39 (April 27, 2026)), page 34 · Open this page in the manual (Manual page 34)