Virginia (VA) Insurance Law


This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.

Virginia Car & Motorcycle Insurance

  • Liability Required? NO (If purchased however, must meet minimum requirements)
  • Personal Injury Protection Required? NO
  • No Fault State? NO
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage

  • $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $20,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

  • Uninsured Motorist (UM) Coverage. In Virginia, UM includes underinsured motorist (UIM) coverage. If purchased, it must be at least that required for bodily injury coverage. If an insured purchases greater amounts of bodily injury coverage than what is required, UM must equal that amount, unless specifically rejected by the insured. UM must also provide for at least $20,000 in property damage coverage.
  • Medical Expenses and Loss of Income Benefits. Medical and funeral expense benefits can be purchased for up to $2,000 per person. Loss of income benefits can be purchased for up to $100 per week for the maximum of one year. An insured can elect to purchase either or both of these coverages.

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