July 22, 2026

Virginia Minimum Auto Insurance Requirements

By Tanu Menon

Virginia's updated minimum liability and uninsured motorist requirements — what 50/100/25 means for drivers.

What Virginia requires

Virginia is an at-fault state. Drivers must carry auto liability insurance that meets state minimums (unless another allowed financial responsibility option applies).

Virginia's current minimum liability limits are commonly shown as 50/100/25:

$50,000 bodily injury liability per person
$100,000 bodily injury liability per accident
$25,000 property damage liability per accident

Virginia also requires uninsured/underinsured motorist (UM/UIM) coverage at matching or related minimum levels, so you have protection if another driver has little or no insurance.

Why Virginia raised the bar

Higher minimums help close the gap between older limits and today's medical and repair costs — but they can still fall short after a major accident involving multiple vehicles or severe injuries.

Coverages worth reviewing

Higher liability limits above the state minimum
Collision and comprehensive
UM/UIM above minimum
Rental and roadside options

Next step

Tan's Agency helps Virginia clients in Ashburn, Herndon, Leesburg, Alexandria, Virginia Beach, and beyond. Call 469-269-6539 or request a quote. Verify current rules with the Virginia State Corporation Commission / Bureau of Insurance.

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Virginia Minimum Auto Insurance Requirements

Virginia's updated minimum liability and uninsured motorist requirements — what 50/100/25 means for drivers.

Read more: https://thetansagency.com/blog/virginia-minimum-auto-insurance-requirements
Questions? Call 469-269-6539

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Virginia Minimum Auto Insurance Requirements

Virginia's updated minimum liability and uninsured motorist requirements — what 50/100/25 means for drivers.

Full article: https://thetansagency.com/blog/virginia-minimum-auto-insurance-requirements

Need a free quote? Call 469-269-6539 or visit https://thetansagency.com/contact

Virginia Minimum Auto Insurance Requirements

Virginia's updated minimum liability and uninsured motorist requirements — what 50/100/25 means for drivers.

Article: https://thetansagency.com/blog/virginia-minimum-auto-insurance-requirements

Tan's Agency helps families & businesses in Texas, Michigan, Ohio, Virginia. Free quote: https://thetansagency.com/contact