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Virginia Insurance

General Virginia Insurance Guidelines

The State of Virginia currently requires that all drivers be covered under liability insurance. You may pay a $500 Uninsured Motor Vehicle Fee instead, but you will not be covered for damages. Proof of insurance must always be accessible in the vehicle.

Minimum Liability Coverage in Virginia

The State of Virginia minimum liability amounts are as follows:

  • $25,000 bodily injury per person.
  • $50,000 total bodily injury per accident.
  • $20,000 total property damage per accident.

These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Virginia requires UM/UIM coverage. The minimum UM/UIM coverage amounts for Virginia are required at the same level as the liability coverage you maintain. The $20,000 property damage coverage is subject to a $200 deductible when a loss is caused by a hit-and-run driver who cannot be identified.

No-Fault Insurance

Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Virginia is not a “No-Fault” state.

SR-22 Requirements for Virginia

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Virginia requires an SR-22 filing for driver’s license reinstatement. See All Virginia Insurance Information »

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Auto Insurance Tips

Request Higher Deductibles

The deductible is the amount of money a driver will need to pay on a claim before the insurance company begins paying the rest. If you are in a good situation financially, asking your insurance company to raise...Read More »

Drop Unnecessary Coverage

Do some analysis of your vehicle, mileage, and financial situation. If you have an older vehicle, comprehensive or collision coverage might not make sense financially, especially if it costs more than the valu...Read More »

Some Cars Cost More to Insure

When purchasing a car, take into account that some cars are more expensive to insure than others. One attribute that can affect a vehicles insurance cost is how often cars of that type are stolen or targeted wi...Read More »

Know Your Terms
Car Insurance 101

Liability Coverage

Liability coverage provides an insured driver protection for bodily injury or property damage for which they are deemed responsible. An example of property damage would be where an insured driver runs over a ...Read More »

Collision Coverage

Collision coverage covers loss that occurs when the insured auto strikes another object or vehicle in the event of an accident. This includes all vehicles, as well as objects such as telephone poles, guardrai...Read More »

Comprehensive Coverage

Comprehensive coverage covers losses in the case of theft, natural disaster or any other damage to your vehicle not caused by collision. Comprehensive coverage is not required by the state, unlike Liability i...Read More »

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