Is Virginia a no-fault state?
No. Virginia is an at-fault state. You must be able to pay for losses caused by vehicles you own or drive, usually with liability insurance.
Last checked November 9, 2026 · Official sources (4)
How does Virginia car insurance work?
“Virginia has a financial responsibility law which requires you to show that you can pay for losses resulting from motor vehicles you own or operate.”
Virginia State Corporation Commission, Bureau of Insurance
What is Virginia's minimum car insurance?
| Coverage | What Virginia requires |
|---|---|
| Injury to one person | $50,000 |
| Injuries in one crash | $100,000 |
| Damage to property | $25,000 |
| Uninsured motorist | Every policy with liability coverage must include uninsured motorist coverage. |
Other at-fault states
Questions
How much insurance does Virginia require?
At least $50,000 per person and $100,000 per crash for injuries, and $25,000 for property damage.
What if you were partly at fault in Virginia?
Virginia follows contributory negligence: if you were even partly at fault, you may be barred from recovering anything.
Hurt in a crash in Virginia? Find out if you are owed money.
A free case review. $0 upfront. No fee unless you win.
See if I’m owed moneySources (4)
- Virginia State Corporation Commission, Bureau of Insurance, checked 2026-11-09. “Virginia has a financial responsibility law which requires you to show that you can pay for losses resulting from motor vehicles you own or operate.”
- Virginia State Corporation Commission, Bureau of Insurance, checked 2026-11-09. “the policy must have the following minimum limits of liability: $50,000 for injury or death of one person; $100,000 for injury or death of two or more people; and $25,000 for property damage.”
- Virginia State Corporation Commission, Bureau of Insurance, checked 2026-11-09. “If your vehicle is damaged by a “hit and run” driver who cannot be identified, you must pay the first $200. Every policy which offers motor vehicle liability coverage must include this coverage.”
- Supreme Court of Virginia, opinion in Record No. 961140, checked 2026-11-09. “or whether the substantive law of the Commonwealth recognizing contributory negligence as a complete bar to recovery controls.”