How much car insurance do I need in Virginia?

Learn about minimum insurance coverage requirements for vehicles in Virginia, consequences for driving without insurance, and more.

Virginia has some fairly unique rules when it comes to  car insurance. You are not required to carry liability insurance on your vehicle if you pay a $500 fee to the Virginia Department of Motor Vehicles (DMV). Once you pay the fee, you are legally permitted to drive a vehicle in the state without car insurance. Bear in mind, however, you are not purchasing any form of insurance by paying the fee. If you are at fault for an accident, you will likely be personally liable for whatever damages you cause. This could amount to several thousand dollars.

If you choose not to pay the fee, you are required to carry the following minimum amounts of liability coverage in Virginia:

  • $25,000 per person for bodily injury or death caused by the accident
  • $50,000 total per accident for all bodily injury or death caused by the accident
  • $25,000 for property damage

Remember that liability coverage is designed to cover  someone else's  medical bills, property damage, and other costs when you are  at fault for a car accident. Liability coverage does not protect you or your vehicle. So, it may be wise to carry additional kinds of coverage, and in some situations -- when you're financing or leasing a vehicle, for example -- you may be contractually obligated to add options like comprehensive coverage to your policy. Learn more about your  Car Insurance Coverage Options.

Uninsured and Underinsured Motorist (UIM) coverage in Virginia

In Virginia, all car insurance policies must include  uninsured/underinsured motorist coverage. The amount of UIM coverage must be equal to your liability coverage amounts. You can, however, request lower limits in writing.

Penalties for driving without insurance in Virginia

If you drive uninsured, and have not paid the $500 fee to the DMV, your driver's license and registration will be suspended. To restore your driving privileges, you will need to pay $500 and file a proof of insurance form with the DMV for the next three years. The Virginia DMV's website has more information about  Virginia Auto Insurance Requirements. You can also find more information in our article  Virginia Auto Insurance Laws and Regulations.

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