Virginia Auto Insurance Information

The General® is pleased to provide auto insurance in Virginia.  We offer low cost auto insurance options online even if you have a less than perfect driving record, have never been insured before, have let your policy lapse, or have had your license suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Minimum Level of Coverage

Virginia’s financial responsibility law was put in place to keep drivers who cannot bear the cost of injuries or damage they cause off the highway.  Your policy must meet the following minimum limits of liability:

Bodily Injury

- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident

Property Damage

- $20,000 for any one accident

This basic coverage is often referred to as 25/50/20 coverage.

Frequently Asked Questions Regarding Virginia Auto Insurance

Why should you buy auto insurance?

If you cause an auto accident, you may be responsible for the losses of the other people involved.  A claim may be made or a lawsuit filed against you for the losses.  You may have to pay not only for the property damage you cause, but also for the medical expenses, lost wages, and pain and suffering of any injured person.

If you do not have insurance, anything of value that you own, including your home, savings, future wages and other assets, may be taken to pay for those losses.  Auto liability insurance will protect you so that this does not happen.

What happens if the Department of Motor Vehicles (DMV) determines that I have not met the financial responsibility requirements?

If the DMV determines that you have not met the financial responsibility requirement, the DMV may suspend your license and require an SR-22 or FR-44 form to be filed by your insurance company and require you to pay the $500 Uninsured Motor Vehicle fee.  If a FR-44 is required, the minimum limits are 50/100/50.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.