Virginia Auto Insurance
Virginia changed its auto insurance rules twice in two years. Here's what you have to carry now, how fault works, and how we find the right company for your car.
Virginia changed its auto insurance rules twice in two years. Here's what you have to carry now, how fault works, and how we find the right company for your car.
Higher minimums. For policies effective on or after January 1, 2025, liability minimums rose from 30/60/20 to 50/100/25. If your policy renewed in 2025 at the old minimum, it had to come up to the new one.
No more paying to drive uninsured. Until July 1, 2024, Virginia let owners pay a fee instead of buying insurance. That option is gone. To buy plates or decals, you must certify the vehicle carries at least the minimum insurance, and coverage has to stay in force for the whole registration period.
Underinsured motorist coverage pays on top. Virginia law now requires underinsured motorist coverage to be paid without a credit for the at-fault driver's liability coverage. In plain terms, your UIM limit stacks on top of what the other driver's policy pays, instead of being reduced by it. You can sign an election to go back to the older offset method, which lowers the premium and the protection.
Virginia follows contributory negligence, like North Carolina and Maryland. If you're found even partly at fault for your own injuries, you may not be able to recover from the other driver at all. That makes your own coverage, especially medical payments, uninsured and underinsured motorist, and collision, the coverage that actually pays you.
The other side: if you cause a serious crash, $50,000 per person doesn't go far against a hospital stay. Anything over your limit can come after your savings and wages. Most of the families we insure carry 100/300/100 or more, plus an umbrella.
Pays for injuries and damage you cause others. Minimum 50/100/25; we usually recommend more.
Pays you when the at-fault driver has no insurance or not enough. In Virginia it matches your liability limits unless you reject higher limits.
Pays medical bills for you and your passengers no matter who's at fault, which matters more in a contributory negligence state.
Repairs or replaces your car after a crash, theft, hail, fallen tree or flood.
Keeps you moving while the car is in the shop.
Liability above your auto and home, from $1 million.
We also write motorcycles, RVs, golf carts and classic cars.
Sizemore Insurance is licensed in Virginia. We don't have an office in the state. We serve Virginia drivers by phone and online from our North Carolina offices.
Main number: (910) 791-1011
For policies effective on or after January 1, 2025: $50,000 bodily injury per person, $100,000 per accident and $25,000 property damage, plus uninsured and underinsured motorist coverage.
No. The option ended July 1, 2024. Every vehicle registered in Virginia must carry at least the minimum insurance.
By default, it pays in addition to the at-fault driver's liability coverage, up to your UIM limit. You can elect to have it reduced by the other driver's coverage instead, but that lowers your protection.
It's the Virginia rule that if you're even partly at fault for a crash, you may be barred from recovering from the other driver. That's why your own medical payments, uninsured motorist and collision coverage matter more here.
The DMV suspends your driving and vehicle registration privileges. To restore them, you pay a $600 noncompliance fee, file an SR-22 certificate for three years and pay any reinstatement fees.
No. We're licensed in Virginia and handle quotes, changes and claims help by phone and online.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.