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Virginia Car Insurance Regulations & Required Coverage

Virginia's insurance laws are a bit different from other states. The state does no require its drivers to maintain a car insurance policy but those who don't need to pay an uninsured motor vehicle fee. There are other nuances within the state's insurance rules and being aware of them can keep you on the right side of the law. Virginia insurance law follows a tort system which means that the driver found at fault for causing an accident is responsible for paying damages resulting from that accident. The specific rules of a tort system vary from state to state but the general concept is the same. Required Coverage All personal vehicles in Virginia require the following liability coverage requirements:
  • Bodily Injury
  • Property Damage
Additionally, Virginia requires:
  • Uninsured / Underinsured Bodily Injury
  • Uninsured / Underinsured Property Damage
Minimum Virginia Car Insurance Requirements Bodily Injury Liability $25,000 / $50,000 Limit Property Damage Liability $20,000 Limit Uninsured/Underinsured Bodily Injury $25,000 / $50,000 Limit Uninsured/Underinsured Property Damage $20,000 Limit Additional insurance coverage can include:
  • Comprehensive and Collision Coverage
Comprehensive and collision insurance helps round out your policy by covering repairs and replacement of your vehicle if it is damaged. Collision will pay out (after your deductible) when you vehicle is involved in an accident. Comprehensive covers all non-collision related incidents such as a fire or your car being stolen. The most stolen vehicles in Virginia list is a way to gauge if you need this coverage, but even if your vehicle isn't listed, it's recommended that you add this to your policy. Proof of Insurance and Financial Responsibility Establishing proof of insurance and financial responsibility
  • Get a standard liability car insurance policy
  • Pay an Uninsured Motor Vehicle (UMV) Fee of $500 - valid for 12 months, but does not provide any sort of financial protection
  • Other ways of establishing financial responsibility are only for non-consumer vehicles
Required Documentation In order to provide proof of insurance, you can provide one of the following:
  • Insurance ID Card
  • Evidence of currently paid UMV
You must maintain proof of insurance and financial responsibility and present it:
  • When asked by a police officer
  • When registering your vehicle
  • After an accident
  • Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties If you are unable to show proof of insurance, you can face the following penalties:
  • Suspended registration
  • Statutory fee of $500 and reinstatement fees
  • Requirement to submit an SR-22 for 3 years
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