If you and your wife kept your Virginia driver's license valid it should not be an issue to re-start up insurance on your vehicle(s). Being without insurance during your time in Nicaragua may void discounts on insurance, like ones for carrying continual coverage with one company or perhaps a renewal discount but it is not a surcharge by most insurance carriers.

Being out of the country for 6 months should not have that large of an impact on obtaining insurance but the reality is that insurance companies will take the fact that you were without US auto insurance into account when rating you. If you and your wife both have spotless, clean driving records though this should help your insurance rates as a while.

To make up for the extra insurance expense you may have for not having previous coverage in the last 6 months you may see if other discounts are available to you such as safe driver, a discount for the safety features on your vehicle, etc. The Bureau of Insurance for Virginia states that successful completion of a driver education or defensive driving course may also allow you to receive a discount on your premium.

When you return to the United States get started on obtaining an auto insurance quote for Virginia car insurance, by clicking here.