Virginia car insurance requirements
Every driver in Virginia must carry at least this coverage. It’s an at-fault state: the driver who causes a crash is responsible for the damage.
| Coverage | Minimum required |
|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist | Required — included at your liability limits unless you choose lower |
State minimums protect other people, not you or your car. Most drivers choose higher limits, plus collision and comprehensive if their car is financed or worth repairing.
What Virginia drivers should know
- Virginia raised its minimums to 50/100/25 on January 1, 2025, and no longer lets drivers pay a fee to go uninsured — every driver must now carry insurance.
- Uninsured and underinsured motorist coverage is part of every Virginia policy.
Home insurance in Virginia
- Coastal homes face hurricanes and nor’easters, and policies near the shore often use separate wind or hurricane deductibles.
- Winter storms, frozen pipes and ice dams cause many claims inland.
Ways to save in Virginia
- Compare several companies. Prices for the same driver and home can vary widely between insurers — comparing is the fastest way to find a better rate.
- Bundle auto and home. Many insurers discount both policies when you buy them together.
- Raise your deductibles if you could comfortably pay more out of pocket after a claim.
- Ask about discounts for safe driving, paying in full, home security devices and newer roofs.