Virginia car insurance: minimums, prices and your estimate
Virginia requires at least $50,000 of bodily injury liability per person, $100,000 per accident, and $25,000 of property damage liability (written 50/100/25).
Virginia requires at least 50/100/25 in liability coverage, among the highest minimums in the country. Every policy includes uninsured and underinsured motorist coverage at your liability limits unless you reject the amount above the minimum, and there is no PIP requirement.
Since July 1, 2024, Virginia no longer lets you pay a fee instead of insuring your vehicle, and since January 1, 2025, policies must carry at least 50/100/25, up from 30/60/20.
- Legal minimum
- 50/100/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22; FR-44 after a DUI
What drivers in Virginia can expect to pay
Monthly ranges from our model, anchored to Virginia's position in 7 published price studies from 2025 and 2026 ($2,350 a year for full coverage and $858 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $168-$223 | $2,350 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $62-$82 | $858 |
| Young driver, full coverage20, own policy, clean record | $313-$470 | $4,700 |
| Senior, full coverage70, clean record | $162-$214 | $2,256 |
| After one at-fault accident35, full coverage | $253-$335 | $3,525 |
| After a DUI35, full coverage | $294-$442 | $4,418 |
| Poor credit35, clean record, full coverage | $300-$433 | $4,395 |
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Rules worth knowing in Virginia
- Even if you reject the higher amounts, uninsured motorist coverage cannot fall below $50,000 per person and $100,000 per accident for injuries. Underinsured coverage is provided at the same limits as your uninsured coverage.
- If the uninsured driver cannot be identified, your insurer may exclude the first $200 of property damage.
- Medical expense coverage of up to $2,000 per person and income loss coverage of up to $100 a week for up to 1 year are optional, but insurers must provide them if you ask.
- Insurers may use credit to place and price your policy, but credit scoring may not use your income, address, ZIP code, race or marital status. They must refresh your credit at least every 3 years and when you ask, and refund the difference if corrected credit lowers your premium.
- Owners found without insurance must pay a $600 noncompliance fee and keep an SR-22 on file for 3 years to be reinstated.
- Virginia requires an SR-22 in cases such as unpaid judgments or uninsured-vehicle suspensions, and an FR-44 with double the minimum limits (100/200/50) after a DUI or certain other serious convictions; uninsured owners keep the SR-22 for 3 years, and in other cases, check the period with the Virginia DMV.
Questions about Virginia car insurance
What is the minimum car insurance in Virginia?
Virginia requires at least $50,000 of bodily injury liability per person, $100,000 per accident, and $25,000 of property damage liability (written 50/100/25).
How much is car insurance in Virginia per month?
For a 35-year-old with a clean record, our model puts full coverage at about $168 to $223 a month and state-minimum coverage at about $62 to $82. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Virginia a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Virginia use my credit score?
Yes. Many insurers in Virginia use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Virginia?
Only if a court or the state requires one, usually after a serious violation or a lapse. Virginia requires an SR-22 in cases such as unpaid judgments or uninsured-vehicle suspensions, and an FR-44 with double the minimum limits (100/200/50) after a DUI or certain other serious convictions; uninsured owners keep the SR-22 for 3 years, and in other cases, check the period with the Virginia DMV.