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What changed in Virginia

Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inVirginia, when, and where to verify it.

Every state we cover, in one feed: what changed across the country · RSS

  1. July 1, 2025

    Crash reporting

    Police crash-report threshold raised from $1,500 to $3,000

    HB 2256 (2025 Acts ch. 255) amended § 46.2-373 so an investigating officer must send DMV a written report only when someone is injured or killed or apparent property damage reaches $3,000, up from $1,500.

    Virginia LIS — 2025 Acts of Assembly ch. 255

  2. January 1, 2025

    Minimum coverage

    Minimum liability limits raised to 50/100/25

    For policies effective on or after January 1, 2025, § 46.2-472 requires $50,000 per person, $100,000 per accident for bodily injury and $25,000 for property damage. Policies effective January 1, 2022 through December 31, 2024 needed 30/60/20. Required UM/UIM limits and the double FR-44 limits rose with them.

    Code of Virginia § 46.2-472

  3. July 1, 2024

    Driving uninsured

    $500 uninsured motor vehicle fee repealed — insurance now mandatory

    SB 951 (2023 Acts ch. 538) ended the option to register a vehicle uninsured by paying a $500 uninsured motor vehicle fee to DMV. Every registered vehicle must now carry liability insurance at the § 46.2-472 limits. Guides that still describe paying $500 instead of buying insurance are out of date.

    2023 Acts of Assembly ch. 538 (SB 951)

What this list does and does not cover

Recorded here: changes to the rules this site tracks for Virginia — liability minimums, SR-22 and proof-of-insurance requirements, penalties for driving uninsured, the fault system, what a lapse costs, new-resident deadlines and crash reporting. Each entry names the session law or statute that made the change and the date it took effect, not the date it was signed.

Not recorded: rate filings, individual insurer decisions, court rulings that do not change the text of the law, and changes to rules outside those seven subjects. A short list does not mean a quiet legislature — it means little moved in the parts of Virginia law a driver has to comply with.

A change that has passed but has not yet taken effect is not shown as current anywhere on this site. It sits on the Virginia pages as a dated pending value and replaces the current figure on the morning it comes into force. You can see every pending change across the country at the top of the national change feed, and the sources behind the Virginia figures on its statute index.