Minimum Car Insurance in Virginia
The liability limits Virginia requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: For policies effective on or after January 1, 2025, an owner's policy must provide at least 50/100/25: $50,000 for bodily injury to or death of one person, $100,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Va. Code §§ 46.2-472(B), 38.2-2206(A)
| Minimum coverage required | For policies effective on or after January 1, 2025, an owner's policy must provide at least 50/100/25: $50,000 for bodily injury to or death of one person, $100,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Policies must also include uninsured and underinsured motorist coverage at no less than these limits. |
|---|---|
| At-fault or no-fault | Virginia uses the at-fault (tort) system, with personal injury protection (PIP) available or required. The Alabama Department of Insurance's national table of state auto insurance laws lists Virginia among the "Tort States Where Personal Injury Protection is Available/Required." |
| Uninsured motorist coverage | Required. Every auto liability policy must include uninsured motorist coverage at limits equal to the policy's liability limits (and not less than the state minimums), plus underinsured motorist coverage at the same limits. Any one named insured may reject the additional UM coverage above the minimum by notifying the insurer, and that rejection binds all insureds. UIM is paid without credit for the at-fault driver's available coverage unless a named insured opts otherwise. Source: Va. Code § 38.2-2206(A) |
More Virginia car insurance & vehicle laws
- Driving Without Insurance in Virginia
- SR-22 Insurance in Virginia
- When a Car Is a Total Loss in Virginia
- Transferring a Car Title in Virginia
- All Virginia car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Virginia?
For policies effective on or after January 1, 2025, an owner's policy must provide at least 50/100/25: $50,000 for bodily injury to or death of one person, $100,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage. Policies must also include uninsured and underinsured motorist coverage at no less than these limits.
Is Virginia a no-fault car insurance state?
Virginia uses the at-fault (tort) system, with personal injury protection (PIP) available or required. The Alabama Department of Insurance's national table of state auto insurance laws lists Virginia among the "Tort States Where Personal Injury Protection is Available/Required."
Is uninsured motorist coverage required in Virginia?
Required. Every auto liability policy must include uninsured motorist coverage at limits equal to the policy's liability limits (and not less than the state minimums), plus underinsured motorist coverage at the same limits. Any one named insured may reject the additional UM coverage above the minimum by notifying the insurer, and that rejection binds all insureds. UIM is paid without credit for the at-fault driver's available coverage unless a named insured opts otherwise.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.