D.C., Virginia, and Maryland have specific requirements for motorists if their automobile liability insurance lapses.
D.C. requires all vehicle owners with lapsed or expired automobile liability insurance to immediately surrender their license plates and registration. In addition, all drivers who are stopped by a police officer in the District of Columbia are required to display license, registration, and proof of insurance, or face a fine.
Virginia allows uninsured vehicles to register and be driven, at the driver’s sole risk, for a $500 fee. Insurance carriers notify the DMV of vehicles whose insurance has lapsed. Uninsured motorists who fail to pay this additional fee will have their licenses and registration suspended.
Maryland uninsured drivers can lose their license and registration and even be required to pay a $150 fine for the first 30 days and $7 per day after that.