Minimum Liability Coverage Requirements
Virginia law requires every driver to carry at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage (25/50/20). These limits apply to all vehicles registered in the state, regardless of driver age or vehicle type.
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Uninsured/Underinsured Motorist Protection
Drivers must also maintain uninsured motorist (UM) coverage equal to the liability limits, and underinsured motorist (UIM) coverage equal to the same amounts. This protects victims when the at‑fault driver lacks sufficient insurance.
Personal Injury Protection (PIP) and Medical Payments
Virginia does not require Personal Injury Protection, but many policies include optional medical payments coverage up to $5,000 to cover minor injuries and ambulance fees.
Proof of Insurance and Electronic Verification
Proof of insurance must be carried in the vehicle at all times. Since 2022, Virginia allows electronic proof via a mobile app, aligning with mobile‑first indexing trends and making compliance easier for smartphone users.
Penalty Structure for Non‑Compliance
Driving without proof or adequate coverage can result in a $250 fine, license suspension, and vehicle registration hold. Repeat offenses may lead to higher fines and mandatory SR‑22 filing.
Comparative Table of Coverage Options
| Coverage | State Minimum | Typical Optional Limit |
|---|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident | $100,000/$300,000 |
| Property Damage Liability | $20,000 | $100,000 |
| Uninsured Motorist | Equal to liability limits | Equal to liability limits |
| Medical Payments | Not required | Up to $5,000 |