Car insurance in Virginia
Virginia is a at-fault state with a minimum liability requirement of50/100/25. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$50,000 per injured person, $100,000 total per accident for injuries, and $25,000 for property damage, effective for policies issued or renewed on or after January 1, 2025 (up from 30/60/20).
UM/UIM is required, defaulting to match the new liability limits (50/100/25), though it may be lowered or rejected in writing. Major change: Virginia's historic option to pay an annual 'uninsured motorist fee' instead of buying insurance at all was eliminated effective July 1, 2024 - New Hampshire is now the only state allowing anything similar.
Estimated cost
Illustrative estimate: roughly $500-$700/year for minimum coverage, though some sources range considerably wider depending on whether pre- or post-2025 limits are reflected.
Why this is a range, not a quote
SR-22 & high-risk filings
A DUI/DWI in Virginia typically requires an FR-44 (stricter than a standard SR-22, requiring proof at double the state minimums), while reckless driving or other reinstatements may use a standard SR-22.
Local conditions worth knowing
Northern Virginia's DC-metro highways (I-95, the Beltway) are some of the most congested in the US, though Virginia's statewide traffic fatality rate is somewhat better than the national average.
Frequently asked
- What is the minimum car insurance requirement in Virginia?
- Virginia requires liability limits of at least 50/100/25. $50,000 per injured person, $100,000 total per accident for injuries, and $25,000 for property damage, effective for policies issued or renewed on or after January 1, 2025 (up from 30/60/20).
- Is Virginia an at-fault or no-fault state?
- Virginia is an at-fault at-fault state for car insurance claims.
- Do I need an SR-22 in Virginia?
- A DUI/DWI in Virginia typically requires an FR-44 (stricter than a standard SR-22, requiring proof at double the state minimums), while reckless driving or other reinstatements may use a standard SR-22.
- Is uninsured motorist coverage required in Virginia?
- UM/UIM is required, defaulting to match the new liability limits (50/100/25), though it may be lowered or rejected in writing. Major change: Virginia's historic option to pay an annual 'uninsured motorist fee' instead of buying insurance at all was eliminated effective July 1, 2024 - New Hampshire is now the only state allowing anything similar.
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