Insurance Pages for Virginia Cities

Virginia Coverage Requirements and Choices

Virginia Minimum Auto Coverage: 50/100/25

Bodily injury per person

$50,000

Bodily injury per accident

$100,000

Property damage per accident

$25,000

These higher minimums apply to policies effective on or after January 1, 2025. Review UM/UIM terms and any DMV certification requirement separately; old uninsured-motor-vehicle-fee advice is no longer a substitute for coverage.

Minimums are a legal baseline, not a recommendation or a full-coverage package. Financing, leasing, vehicle classification and individual circumstances can require more.

Official Virginia auto insurance requirements

Virginia Coverage Requirements and Choices

Virginia Property Coverage Questions

• Heavy rain, coastal storms, hurricanes in eastern areas, snow or ice in western and northern areas, wind, and hail can affect claims.
• Urban, suburban, coastal, and mountain areas can have very different risks.

Auto liability numbers do not apply to home coverage. Set dwelling and property limits from rebuilding cost, belongings, occupancy and lender or lease requirements. In Virginia, review the exact address, roof, deductible, water exclusions and any separate wind or flood policy.

Standard homeowners, renters and business policies generally exclude flood. Check the address on FEMA’s map and discuss building and contents protection separately.

FEMA address-level flood maps · Federal flood insurance guidance

Virginia Coverage Requirements and Choices

Workers Compensation in Virginia

Employers regularly employing more than two part-time or full-time workers generally need workers compensation. Subcontractors and temporary work in Virginia can affect the count and coverage obligation.

General liability, professional liability, cyber coverage and property limits depend on the actual operations and contracts. Provide payroll, revenue, employee and subcontractor counts, customer contracts, vehicle use and prior losses.

Official Virginia employer coverage guidance

Virginia Coverage Requirements and Choices

Choose a death benefit from income replacement, debts, childcare, education, final expenses and business obligations. A state auto minimum is not a life insurance coverage amount. Compare term length, permanent-policy guarantees, beneficiaries and affordability with your Virginia application and insurer underwriting.

NAIC life insurance consumer guide