Virginia Car Insurance Laws and Regulations
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Virginia Auto Insurance

Requirements of Motorists under VA State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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Virginia Car Insurance Requirements

Coverage Minimum - 25/50/20

Coverage Explanation - Car insurance coverage in Virginia must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $20,000 for property damage in an accident.

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Important Virginia Auto Insurance Laws!

1. The VA Law states that motorists have three options regarding insurance:

  • When you register your vehicle, you must certify that it is insured by a company licensed to do business in Virginia. Under Virginia auto insurance law, your policy must provide the minimum limits of liability. OR

  • Uninsured Motorist Fee: This $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal.

  • Self-insurance or Surety Bonds: These are special options for owners of business vehicles. Details are available at any DMV office.

Important to Note:

Non-Compliance Penalties:

In accordance with Virginia auto insurance law, vehicle owners who are uninsured or have not paid the UMV fee will have their operator's license suspended. To be reinstated, they must pay a $500 statutory fee, a $30 reinstatement fee, and file an SR-22 with DMV for three years, which certifies that they have insurance.

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