Minimum liability insurance required in Virginia: (25/50/20)

$25,000 for each person for bodily injury
$50,000 for bodily injury per accident
$20,000 for property damage per accident
Uninsured/Underinsured Bodily Injury Liability: $25,000/$50,000
Uninsured Motorist Property Damage: $20,000 Limit

In Virginia, as in most other states in America, you are required to have a minimum amount of liability insurance (that remains in continuous coverage) in order to operate a motor vehicle. In fact, you must certify that your vehicle is covered by a minimum amount of liability insurance before you’re allowed to register you car in Virginia.

Alternatively, you may opt to pay the Uninsured Motor Vehicle fee. This is only a fee – it does not provide any insurance; and you are still personally liable if you get in an accident. However, it allows you to register your vehicle and drive it without insurance.

Proof of Insurance

You’re advised to carry a proof of insurance in your vehicle at all times. Proof of financial responsibility must be shown if a law enforcement officer stops you and asks for it.

Adequacy of Coverage

25/50/20 is the minimum requirement for auto insurance in Virginia. Yet this may not be sufficient coverage to properly take care of damage, injury, or valuable assets. You are advised to carry sufficient insurance to take care of possible financial loss in the event of an automobile accident.

We also suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase from any particular insurance companies from whom you’ll obtain quotes.