States
Virginia minimum car insurance: 50/100/25
At least $50,000 per person, $100,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Virginia minimum: 50/100/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$30,000
- Total damages: $155,000
- Injury paid by the policy: $100,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Virginia's limits have stepped up in stages, and section 46.2-472 shows it: older text at 30/60 sits beside the current figures of $50,000 per person, $100,000 per accident and $25,000 for property. That places Virginia with Alaska, Maine and North Carolina at the top of the injury lines we read. The section also says the policy must apply in the Commonwealth, in any other state and in Canada. Section 46.2-706 sets out what happens to an uninsured owner: the Commissioner suspends the license, all registration certificates and plates until the person pays a noncompliance fee of $600 and furnishes proof of financial responsibility. A $25,000 property line is common, so most arrivals need only change the first two numbers. We looked for FR-44 on the Virginia pages we read and did not find it, so this page says nothing about it.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Virginia
No state we read asks for more per person than Virginia. A driver arriving with a 25/50 policy from elsewhere falls short here and has to raise the limits at once.
$50,000 is the most the policy pays for one injured person. $100,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $50,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $100,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Virginia.
What else we read for Virginia
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Suspension of the license, registrations and plates until a $600 noncompliance fee is paid and proof of financial responsibility is furnished (Code 46.2-706). | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.