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Virginia Auto Insurance Laws | Minimum & Mandatory VA Car Ins

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Minimum required Amounts of Liability Insurance in Washington

Virginia State Flag

Liability insurance is a mandatory requirement in every state of the US, although every state has different minimum limits.

About half of the states in the US require uninsured or underinsured motorist coverage. Virginia is one of the states that does require uninsured motorist coverage. To learn more about uninsured motorist coverage, visit the Virginia uninsured motorist insurance page.

Virginia Minimum Auto Liability Insurance Coverage

  • Bodily injury/death of one person: $25,000
  • Bodily injury/death of two or more persons: $50,000
  • Property damage: $20,000

What does the mandatory Virginia bodily injury liability protection cover?

  • Medical expenses
  • Lost wages
  • Pain and suffering
  • Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident

Proof of Insurance Law in Virginia

Virginians must carry proof of auto insurance with them at all times. Car insurance agencies provide the Virginia Department of Motor Vehicles (DMV) with electronic updates of insured information whenever they write, edit, or cancel coverage for vehicles registered in VA.

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