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So Virginia is weird. You can technically drive without insurance but you have to pay a one time fee to DMV and register as uninsured. In truth though you will not likely get an auto loan without it. And good luck if you get in an accident. I'm guessing that this is a hold over for vehicles that are "farm use" or for "antique vehicles" that might need to use the roadways occasionally but don't really need expensive coverage.
You also have to pay the uninsured motor vehicle fee when you renew registration, so that comes out it $500/year or $40/mo. So you end up paying 1/3 to 1/2 of insurance and don't get any coverage.
In Va, it's not a 1 time fee, it's a $500 fee on top of your yearly registration.
But that exemption it's also going away this year in July. After that insurance will be required.
I didn't know it was annual. Wow that's even worse.
That was kind of the point, they want people to have insurance.
Car insurance costs more than $500 a year generally.