Virginia Car Insurance Regulations & Required Coverage

Virginia car insurance regulations are different from most states, so being aware of them can keep you on the right side of the law. Virginia auto insurance law doesn’t require drivers to carry insurance, but you will be subject to an uninsured vehicle fee. Read our guide below to learn more about Virginia’s tort insurance laws and find cheap coverage with our free quote comparison tool.

Free Insurance Comparison

 Secured with SHA-256 Encryption

Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 11, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Virginia’s insurance laws are a bit different from other states. The state does not 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

Virginia Insurance Agents

Virginia Beach Car Insurance | Norfolk Car Insurance | Chesapeake Car Insurance | Richmond Car Insurance | Newport News Car Insurance | Alexandria Car Insurance | Hampton Car Insurance | Roanoke Car Insurance | Portsmouth Car Insurance | Suffolk Car Insurance | Lynchburg Car Insurance | Harrisonburg Car Insurance | Leesburg Car Insurance | Charlottesville Car Insurance | Blacksburg Car Insurance | Danville Car Insurance | Manassas Car Insurance | Petersburg Car Insurance

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption