Virginia insurance

Virginia Insurance Guides

Virginia requires registered vehicles to carry 50/100/25 liability insurance and uninsured/underinsured motorist coverage at least at those statutory minimums. Extra UM/UIM may be reduced, but it cannot be dropped. The uninsured motor vehicle fee option ended July 1, 2024. Homeowners insurance is not required by statute. Workers' compensation is generally required for employers with three or more employees.

Last updated: June 19, 2026
Jurisdiction: Virginia
Sources reviewed: Virginia State Corporation Commission, Virginia Department of Motor Vehicles, Virginia Workers' Compensation Commission

What Virginia requires

Virginia's core mandates are auto liability at 50/100/25 for policies effective January 1, 2025 or later, UM/UIM at least at those statutory minimums, and workers' compensation at three or more employees. Homeowners and renters insurance are not required by state law.

Start with Virginia auto insurance

Begin with the statewide guide, then review the legal requirements and cost factors.

Auto Insurance

Virginia Auto Insurance

Virginia requires 50/100/25 liability and matching UM/UIM. Guide to car insurance rules, coverage choices, and related DMV requirements.

Explore Virginia Auto Insurance

Other key coverage

Homeowners, renters, and business insurance guidance for Virginia.

Homeowners Insurance

Virginia Homeowners Insurance

Virginia homeowners insurance is not required by state law, but lenders usually require it. Coverage, Northern Virginia and coastal risks, and official resources.

Virginia Homeowners Insurance Rates

Explore Virginia Homeowners Insurance

Renters Insurance

Virginia Renters Insurance

Virginia renters insurance is not required by state law, but a lease may require it. Coverage and landlord rules.

Is Renters Insurance Required in Virginia?

Explore Virginia Renters Insurance

Business Insurance

Virginia Business Insurance

Virginia business insurance guide covering workers' compensation, general liability, commercial auto, and small-business coverage rules.

Virginia Workers' Compensation Insurance

Explore Virginia Business Insurance

Public insurance case files

Insurance in the real world

Public records and regulatory reports can show how insurance rules affect actual consumers. These files are not customer testimonials.

Virginia · Public record

Virginia SCC Bureau of Insurance

Publisher

Why Virginia’s insurance regulator tells consumers to verify AI-generated insurance information

The Virginia State Corporation Commission’s Bureau of Insurance warns that AI tools can often provide incorrect information about insurance because they may misread policies, correspondence, websites, and state insurance laws. The Bureau asks consumers to verify AI-generated answers with reliable sources.

Read case file

Source: Virginia State Corporation Commission, Bureau of Insurance

Browse public case files

Local Virginia guides

City and county pages that add housing, commute, and risk context on top of statewide rules.

Regional risks in Virginia

Higher dwelling replacement costs in Northern Virginia
Coastal exposure in Hampton Roads versus inland and mountain weather inland
Severe thunderstorms, winter storms, and localized flooding