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Virginia Auto Insurance Requirements

State law in Virginia requires that you have minimum Bodily Injury Liability of $25,000 per person - $50,000 per accident limit, and Property Damage limit of $20,000. This basic liability coverage is often referred to as 25/50/20 coverage.

Vermont Insurance Coverage Limit Minimum
Bodily Injury $25,000/$50,000 - Property Damage $20,000
Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000
Uninsured/Underinsured Motorist Property Damage $20,000

Virginia maintains a tort insurance system meaning there is always someone at fault when an accident happens. The individual found at fault and there insurance provider are responsible to pay for all damages incurred from the accident. Tort systems vary by state.

Virginia state law requires you to buy Uninsured/Underinsured Motorist coverage to protect against damages caused to you and your passengers by an Uninsured/Underinsured driver in the amount of $25,000 per person up to a total of $50,000 per accident for any bodily injury and $20,000 for property damage.

When getting a quote with QuoteMatcher.com, you will discover that our coverage page gives you the option to select coverages to match your individual needs, you can customize every deductible or limit. If you are unsure of a particular limit to choose, the option is always available to make a change before you buy your policy.

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