Minimum car insurance in Virginia.
What Virginia requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Virginia, the minimum liability limits are written 50/100/25 (in thousands): $50,000 for injury to one person, $100,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Virginia is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. Limits rose from 30/60/20 on Jan 1, 2025. UM/UIM required; the uninsured motorist fee option no longer applies, so insurance is required.
What the minimum means in practice
Say a crash you cause injures three people. The Virginia minimum pays at most $50,000 to any one of them and $100,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Virginia
Virginia DMV checks coverage electronically with insurers. If a registered vehicle turns up uninsured, DMV suspends the owner's driving and registration privileges, and getting them back takes a $600 non-compliance fee plus any reinstatement fee. A payment plan is available to owners who qualify.
Proof of insurance
Keep proof of insurance in the vehicle. If DMV finds no coverage on a registered vehicle, the owner has to send policy details for verification. If a policy lapses or is cancelled mid-registration, the vehicle has to be reinsured or the plates deactivated or handed back to DMV.
SR-22 and similar filings
After a suspension for being uninsured, an SR-22 has to be filed and kept for three years. Insurers report any cancellation in that window to DMV on form SR-26, and DMV lifts the requirement three years from the suspension date.
Also worth knowing in Virginia
Virginia's minimum limits went up for policies effective on or after Jan. 1, 2025, to $50,000 per person, $100,000 per accident and $25,000 property damage. Policies written between Jan. 1, 2022 and Dec. 31, 2024 sat at 30/60/20.
Your state regulator
State Corporation Commission Bureau of Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Virginia a no-fault state?
Virginia is generally an at-fault state.