In VA, if you get pulled over for anything and cannot produce proof of insurance, you're getting a misdemeanor citation for that at least.
Virginia requires all drivers to either carry a minimum amount of car insurance or pay a $500 uninsured motor vehicle (UMV) fee. If you're caught driving without a form of financial responsibility, the penalties could be severe.
If you're caught driving without insurance, the state of Virginia may convict you of a Class 3 misdemeanor, charge you a $600 noncompliance fee, and take your driver's license, vehicle registration and license plates.
The UMV is actually a bond saying that you don't need insurance because you have the financial capability to pay the costs liability insurance would - I hope you have a BIG bank account and aren't found lying if you cause an accident! I knew a guy who thought he was smart paying the $500 as it was much cheaper than insurance - they took basically everything he had when he caused a serious accident, and when he died several years later, he still had no license because no insurance company would take him and he couldn't afford the "Assigned Risk" insurance.
The class 3 misdemeanor is up to $500 dollars in addition. You cannot just pay, you have to go to court. To get your license back, all must be paid, you must go to a one-day driving class that is expensive, and then you can petition the DMV for a new license and plates, all of which you pay for. If you actually had coverage, in court you can show the officer and they will charge the $600, dismiss the misdemeanor, and not take your license or registration. I spent most of a day in court and saw that play out several times.
BTW, I was there due to a stupid motorcycle cop charging me incorrectly with an improper turn - I was only winner that day - all others between 9am and 1pm when I was heard were found guilty. I say winner. I had pay to park, walk a mile each way in extreme heat, sit in court until called and of course lose a LOT of money since I was a consultant paid by the hour. If I had just paid the fine, I would have financially been way better off but I don't play well when wronged.