Car insurance in Virginia
Virginia is an at-fault state with a minimum liability requirement of 50/100/25. 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
$753 a year for minimum coverage, $2,070 for full coverage2
Average annual premiums in Virginia for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, 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 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.
Sources
- Virginia DMV, Insurance requirements.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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