Virginia

Auto Insurance Minimum Requirements

50/100/25

Liability Limits

No-Fault

N/A

PIP Minimum

UM+UIM

Uninsured Motorist

⚡ Recently Changed

Virginia's minimum auto insurance requirements changed on 2025-01-01. See details below.

Full Requirements

Bodily Injury (per person)$50,000

Bodily Injury (per accident)$100,000

Property Damage$25,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredYes

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2025-01-01

Important Notes

Virginia completed its planned transition to a 50/100/25 liability standard for all policies issued or renewed on or after January 1, 2025 (under Virginia Code 46.2-472). The old $500 Uninsured Motor Vehicle (UMV) registration fee option was officially repealed on July 1, 2024; auto insurance is now strictly mandatory for vehicle registration.

Uninsured / Underinsured Motorist

Mandatory UM/UIM limits must mirror the updated 50/100/25 liability thresholds.

SR-22 Filings

SR-22 is required for standard high-risk suspensions. An FR-44 filing with double limits is required for DUI convictions.

Alternatives to Insurance

Certificate of self-insurance for qualified high-volume fleet operations.

Official Source

Virginia Department of Motor Vehicles

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.