Virginia Auto Insurance Information
Under Virginia law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily
Injury Liability (BIL) insurance. This coverage pays for medical expenses for another driver, pedestrian or
bicyclist when the insured is at fault. Virginia also requires carrying at least $20,000 in Property Damage
Liability (PDL) insurance, which pays for repairs or replacement of vehicular or other property damage when the
insured is responsible for the crash. Neither BIL nor PDL insurance pays expenses related to the insured’s
accident injuries or motor vehicle damage. Virginia requires drivers to carry the same BIL and PDL minimums in
uninsured/underinsured motorist coverage, in case they are involved in an accident with an uninsured or
underinsured driver. Keep in mind these are the minimum amounts required, and it is wise to purchase additional
coverage to help protect personal assets in the wake of a serious accident.
While collision and comprehensive coverage are not required by the state, lenders of leased and financed
vehicles will almost certainly mandate this insurance.
Those found driving without insurance have their driver’s license and registration suspended, with reinstatement
requiring payment of a $500 fine and file a proof of insurance form with the Virginia Department of Motor
Vehicles (VDMV) for the next three years. Virginia has a form of uninsured motorist coverage, but it involves
registering a vehicle as uninsured upon annual payment of a $500 fee in addition to regular registration fees.
This payment does not provide any insurance, and should the motorist take the vehicle onto the road and get into
an accident, he or she is personally liable.
SR-22 Insurance in Virginia
The form required for driving without insurance and a host of other violations is the SR-22, a “certificate of
financial responsibility.” The form is filed by the insured’s insurance company with the VDMV. Besides lack of
insurance or registration, motorists must file SR-22 forms if they have unsatisfied judgments against them or if
drivers lose their licenses for voluntary or involuntary manslaughter while operating a motor vehicle; perjury
regarding motor vehicle insurance or registration; any crime punishable as a felony under the state’s motor
vehicle law or if the vehicle was used in the commission of a felony; hit-and-run drivers in accidents resulting
in death or injury, and, for a second offense, operating a for-hire passenger vehicle without a license.
Virginia Driver Statistics
The Old Dominion is home to approximately 8.5 million people, of whom about 6 million have drivers’ licenses.
The state’s geography is diverse, ranging from the beaches of the Atlantic Ocean to the Blue Ridge Mountains.
Many in northern Virginia commute to Washington D.C. or federal facilities in the area and traffic congestion in
this part of the state is heavy during commuting hours. Major industries in Virginia include corporate services,
information technology, food and beverage processing, manufacturing, life sciences, and supply chain management.
The latter has evolved due to the state’s proximity to key East Coast markets, as well as the region’s
American history happened here. Virginia is the birthplace of several of the founding fathers, including
Washington, Jefferson, and Madison, and their stately homes are open to the public. Critical Civil War battles
were fought on Virginia soil, and many of them are now federal parks, including Manassas, Chancellorsville,
Petersburg, and Richmond, as well as the Revolutionary battlefield at Yorktown.
Virginia Auto Insurance & Accident Facts
In 2018, 819 people lost their lives on Virginia roadways, and 66,523 were injured. While the fatality rate
dropped from 843 in 2017, traffic deaths were in the 700s for 2016, 2015 and 2014. Of those 2018 fatalities, 278
were alcohol-related and 339 were speed-related. The number of deaths involving those not wearing a seatbelt was
298. The largest number of crashes occurred in Fairfax County, a suburb of Washington D.C.