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In Virginia, the minimum car insurance is 50/100/25: $50,000 per person and $100,000 per crash for injuries you cause, plus $25,000 for property damage. Required coverage: BI & PD Liability, UM, UIM. That's the legal floor; many drivers buy more because a serious crash can cost far more than the minimum pays.
Virginia minimum limits as of Jan. 1, 2025, per the State Corporation Commission's required policy amendment.
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: Virginia SCC (Bureau of Insurance). Confirmed against the official source 2026-10-12. Confirm with Virginia's DMV or insurance department.
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50/100/25 (BI & PD Liability, UM, UIM): $50,000 per person and $100,000 per crash for injuries you cause, plus $25,000 for property damage.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.