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Virginia car insurance

Virginia Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Virginia mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. In order to purchase license plates or registration decals, a vehicle owner must provide valid proof of insurance. Alternatively, they may pay a $500 uninsured motorist vehicle fee, which essentially allows someone to drive at his or her own risk.

Failure to carry adequate coverage or a UMV means a driver will have their license and registration suspended. To have them reinstated, one must pay a $500 statutory fee, reinstatement fee, and carry SR-22 insurance for three years.

Virginia Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Virginia they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $20,000

Virginia Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Virginia does not require this coverage but recommends carrying more than the state minimum.

No Fault Insurance
In Virginia, you are not required to carry no-fault insurance. Virginia is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.