Car-insurance requirements in Virginia (2026)
Virginia raised its minimums to 50/100/25 in the usual shorthand, one of the largest single increases of the recent wave, and eliminated the fee that previously let a driver register a vehicle without insurance at all.
- Minimum liability limits
- 50/100/25
- Fault system
- At-fault (tort)
- Tort threshold
- not applicable
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $50,000 | required | Va. Code §46.2-472 (SB 1182) |
| Bodily injury liability, per accident | $100,000 | required | Va. Code §46.2-472 (SB 1182) |
| Property damage liability | $25,000 | required | Va. Code §46.2-472 (SB 1182) |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
How old is this minimum?
Virginia’s $25,000 property-damage minimum took effect in 2025. $25,000 in January 2025 corresponds to $26,281 at the June 2026 price level, measured on the Bureau of Labor Statistics all-items index (CUUR0000SA0). The limit has not moved; what it buys has.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against Virginia’s minimum of $25,000 leaves $17,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in Virginia
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for Virginia
No regulator-published premium data exists for Virginia
Virginia’s insurance department does not publish a per-insurer premium comparison, so this site shows no premium figures for Virginia at all. We will not substitute a figure from a quote engine, a trade body or a national aggregate: none of those is a published record of what insurers filed in Virginia.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
Virginia — minimum limits 50/100/25
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $50,000 | required | Va. Code §46.2-472 (SB 1182) |
| Bodily injury liability, per accident | $100,000 | required | Va. Code §46.2-472 (SB 1182) |
| Property damage liability | $25,000 | required | Va. Code §46.2-472 (SB 1182) |
Fault system: At-fault (tort).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about Virginia
- What is the minimum car insurance required in Virginia?
- Virginia requires liability limits of 50/100/25 under Va. Code §46.2-472 (SB 1182).
- Is Virginia a no-fault state?
- Virginia operates at-fault (tort).
- What does car insurance cost in Virginia?
- No regulator publishes premium data for Virginia, so this site shows no premium figures for Virginia. We do not substitute a figure from a quote engine or a national aggregate.
Statutory records for Virginia last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.