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Virginia Car Insurance Minimum Requirements

Virginia requires at least 50/100/25 liability coverage. That is $50,000 for injuries to one person, $100,000 per accident and $25,000 for property damage.

Shorthand
50/100/25

Applies to policies effective on or after January 1, 2025. Policies that took effect from January 1, 2022 through December 31, 2024 carried 30/60/20, and many guides still print those limits.

Bodily injury — per person
$50,000
Bodily injury — per accident
$100,000
Property damage
$25,000
Uninsured / underinsured motorist
Required — cannot be rejected below the state minimum

Every liability policy must include uninsured and underinsured motorist coverage at no less than the 50/100/25 minimums. By default UM limits equal your liability limits; a named insured may reject only the portion above the minimum. UIM limits equal UM limits and are paid without credit for the at-fault driver's liability coverage unless a named insured elects that reduction. UM property damage must be at least $20,000, with a possible $200 deductible when the at-fault driver is unidentified (§ 38.2-2206(A)).

Personal injury protection (PIP)
Not required

Virginia has no personal injury protection requirement. Insurers must sell medical expense coverage (up to $2,000 per person) and income-loss coverage (up to $100 per week) only if the insured asks and pays for it (§ 38.2-2201).

Property damage minimum — where Virginia sits
Virginia sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.$5,000$50,000

Virginia sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Virginia compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $50,000 is the most the policy pays for any single person's injuries. $100,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $50,000 is all your insurer owes, however large the bill. Injure three people and they divide $100,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Virginia drivers actually spend. The average premium written per insured vehicle here was $407 in 2023, 29th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Virginia will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Virginia?

Required — cannot be rejected below the state minimum.

Is PIP required in Virginia?

Not required.

Is full coverage required in Virginia?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Virginia law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Virginia

What changed

Why the rule looks like this

More on Virginia

Checked against the primary sources above on September 22, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.