Virginia

Virginia requires minimum liability of 30/60/20 — $30,000 bodily injury per person, $60,000 bodily injury per accident, and $20,000 property damage. These are state minimums; consumer advocates typically recommend higher limits (100/300/100) to cover serious injuries.

Bodily injury liability in Virginia pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $30,000 per injured person and $60,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in Virginia pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $20,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

Virginia REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM/UIM coverage at 30/60/20 is mandatory and matches liability minimums. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

FR-44 required for three years after DUI (carries higher 50/100/40 limits); SR-22 used for other violations. Liability minimums raised from 25/50/20 to 30/60/20 effective January 2022.

For the most current minimum auto insurance requirements in Virginia, consult the official source at https://scc.virginia.gov/pages/Bureau-of-Insurance. State minimums change periodically; verify current law before relying on these figures.