What are Virginia's minimum auto insurance limits?

For policies effective January 1, 2025 or later, minimum liability is $50,000 per person, $100,000 per accident for bodily injury, and $25,000 per accident for property damage (50/100/25).

Is auto insurance required in Virginia?

Yes. All registered vehicles must carry liability insurance meeting state minimums. The former uninsured motor vehicle fee option was eliminated July 1, 2024.

Does Virginia require uninsured motorist coverage?

Yes, unless rejected in writing. UM/UIM limits must match liability minimums on the policy.

What happens if my Virginia insurance lapses?

DMV may suspend your license and registration. Reinstatement typically requires fees, proof of insurance, and often an SR-22 filing for three years.

Virginia Auto Insurance

Virginia requires 50/100/25 liability and matching UM/UIM coverage. Summary of mandatory limits and where to learn more.

Overview

Virginia requires liability insurance on every registered vehicle. Since July 1, 2024, the uninsured motor vehicle fee option no longer exists.

This page is a brief state overview — not a full requirements guide. See our Virginia auto insurance requirements article for limits, penalties, and proof-of-insurance details.

Coverage Options to Consider

Required: Bodily injury and property damage liability (50/100/25 for policies effective January 1, 2025+), plus uninsured/underinsured motorist coverage unless rejected in writing.

Common optional coverages: Collision, comprehensive, and medical payments (MedPay). Virginia is a fault-based state and does not require PIP.

State Requirements & Regulations

Minimum liability is 50/100/25 for policies effective January 1, 2025 or later. UM/UIM must match liability limits unless waived in writing.

DMV verifies insurance electronically. Lapses may lead to license and registration suspension, a $600 noncompliance fee, and an SR-22 filing requirement.

Neighboring Maryland and D.C. set different minimums — your policy must meet Virginia rules where the vehicle is registered.

Factors That May Affect Your Premium

Insurers may consider driving record, age, vehicle type, garaging location, mileage, coverage limits, deductibles, and credit-based insurance scores where permitted.

See why car insurance rates may increase for common premium trends.

Frequently Asked Questions

What are Virginia's minimum auto insurance limits?: For policies effective January 1, 2025 or later, minimum liability is $50,000 per person, $100,000 per accident for bodily injury, and $25,000 per accident for property damage (50/100/25).
Is auto insurance required in Virginia?: Yes. All registered vehicles must carry liability insurance meeting state minimums. The former uninsured motor vehicle fee option was eliminated July 1, 2024.
Does Virginia require uninsured motorist coverage?: Yes, unless rejected in writing. UM/UIM limits must match liability minimums on the policy.
What happens if my Virginia insurance lapses?: DMV may suspend your license and registration. Reinstatement typically requires fees, proof of insurance, and often an SR-22 filing for three years.

Sources & References

Virginia Bureau of Insurance — Virginia State Corporation Commission
Virginia Auto Insurance Requirements (full guide) — US Insurance Guide