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Car insurance · Virginia

Car insurance requirements in Virginia

Liability 50/100/25 for policies effective on or after January 1, 2025. Claims system: fault-based claims.

Last reviewed 2026-10 · 2 cited sources · Published by Simple Insurance Guide · How we verify

Verified summaryAll Virginia insurance topics

Requirements

Minimum car insurance requirements in Virginia

CoverageRequirement in Virginia
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Injury protectionNot listed as required
Uninsured / underinsured motoristRequired in every liability policy, at limits not less than the liability minimums. Limits equal your liability limits unless a named insured rejects the additional coverage

What the law requires you to carry

  • Injury or death of one person: at least $50,000
  • Injury or death of two or more people: at least $100,000
  • Property damage: at least $25,000
  • Coverage from an insurer authorized to do business in Virginia
  • Uninsured motorist coverage in every liability policy, at limits not less than the liability minimums (Code of Virginia section 38.2-2206)

Uninsured drivers

Uninsured motorist coverage in Virginia

Required in every liability policy, at limits not less than the liability minimums. Limits equal your liability limits unless a named insured rejects the additional coverage.

  • Under section 38.2-2206 of the Code of Virginia, liability policies must include uninsured motorist coverage within limits not less than the section 46.2-472 minimums. Those limits equal your liability limits unless a named insured rejects the additional coverage, so the minimum cannot be rejected.

Optional coverage

Coverage you can add in Virginia

  • Collision
  • Comprehensive
  • Uninsured/underinsured motorist
  • Medical payments

Penalties

Penalties for driving without insurance in Virginia

Uninsured vehicle owners will have their driving and vehicle registration privileges suspended. To be reinstated, you must pay a $600 non-compliance fee, file a Financial Responsibility Insurance Certificate (SR-22) with the DMV for three years, and pay a reinstatement fee if applicable, according to the Virginia DMV.

Good to know

Other things to know in Virginia

  • Virginia raised its minimums for policies effective on or after January 1, 2025. For policies effective January 1, 2022 through December 31, 2024, the minimums were $30,000, $60,000 and $20,000.
  • Drivers should keep proof of insurance in their vehicle at all times.
  • If liability coverage on a vehicle terminates or cancels during the registration period, you must reinsure the vehicle, deactivate your license plates, or permanently surrender them to the DMV.
  • The DMV partners with insurers to electronically verify liability insurance on Virginia registered vehicles. If no insurance is found for a vehicle, the owner must provide policy information to the DMV.
  • Eligible vehicle owners may enter a Payment Plan Program to pay the statutory fee over time.
  • Insurance companies may factor into the premium the driving record of any individual of driving age who lives in your household.

General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.

Contacts

Who to contact in Virginia

Sources

Where this summary comes from

Reviewed 2026-10. Check each source for the current rule.

Keep reading

Guides that explain these coverages

Compare minimum requirements across all states

More about Virginia.

Home insurance resources and the health marketplace for Virginia are on its overview page.

Virginia overviewAll states