Virginia: car insurance by state
Minimum car insurance each state requires, whether the state is no-fault, and how shared fault affects an injury claim.
| Minimum liability (bodily injury per person / per accident / property damage) | $50,000 / $100,000 / $25,000 |
|---|---|
| Other coverage you must carry | UM/UIM $50,000/$100,000 |
| Fault system | At-fault (the driver who caused it pays) |
| Shared-fault rule | Contributory negligence: any fault (even 1%) can bar recovery |
| Shared-fault law | Common law (Baskett v. Banks, 1947) |
Limits rose from 30/60/20 on Jan. 1, 2025. Since July 1, 2024 drivers can no longer pay a fee to drive uninsured.
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Virginia.
How we checked this
Liability limits were compared across two independent 50-state tables built from state insurance department filings; they agreed for every state. The shared-fault rule comes from a law-firm survey updated June 2026, with 2026 changes in Louisiana and New York confirmed separately. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.