Do I still need insurance if my vehicle is broke down? Yes, according to the Department of Motor Vehicles your have to maintain liability insurance as long as your tags are valid. Regardless, if you’re not driving it.  So, as long as you have active tags your insurance policy must stay active. This can prevent you from paying a $500 Uninsured Motorist fee plus a minimum of $85 reinstatement fee for your drivers license ( In VA).