Virginia is actually a special case when it comes to the state's auto insurance requirements. Of course, the state requires that all drivers have property damage and personal injury liability. What sets it apart from other states is that it allows a motorist to pay a fee in order to legally drive while uninsured. Most states do not offer anything similar. Otherwise, the driving and insurance laws are somewhat similar to other areas.Any driver can choose to drive without insurance in Virginia. However, they must pay a $500 uninsured motor vehicle. That person can then drive around without breaking the law while uninsured. No coverage is provided though, so motorists are making this decision at their own peril. Paying the UMV fee will not stop someone from being liable for any damages caused during an accident. Still, this option can help drivers that cannot afford any type of auto insurance coverage.Aside from the UMV, Virginia is just like other states. Property damage liability for any driver must amount to at least $20,000. This requirement might be a little higher than other states but should not prove problematic. Bodily injury policies must amount to $25,000 for accidents involving one other driver and $50,000 for more than that. Other than these two requirements, this state does not require uninsured motorist coverage or other plans that car insurance companies offer.Of course, penalties are in place for individuals who do not have auto insurance or fail to pay the Uninsured Motor Vehicle fee. Anyone who cannot show proof of insurance during a traffic stop or automobile accident is subject to numerous consequences. Drivers will immediately have their license suspended and their registration revoked at that point. From there, the only remedy is paying a $500 fine, filing an SR-22, and then paying applicable fees. This whole ordeal is not worth the hassle or the costs.Luckily, most drivers in Virginia will have no trouble meeting the requirements in some way or another. Auto insurance is not that expensive, and anyone else can pay the UMV fee to drive uninsured. There is no reason that a driver should fail to meet state law because so many solutions are available. In any case, driving without insurance or the UMV exemption is reckless and unnecessary. Undoubtedly, acquiring coverage is always the best course of action in Virginia.