Car insurance in Virginia (50/100/25)
- Minimum car insuranceSince January 1, 2025, Virginia requires at least $50,000 per person and $100,000 per accident for bodily injury and $25,000 for property damage. Uninsured/underinsured motorist coverage is mandatory and matches your liability limits unless you ask for less, and medical expense benefits are optional. Since July 1, 2024, you can no longer pay the $500 uninsured motor vehicle fee instead of buying insurance. Source
- Fault systemVirginia is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other party's injuries and damage.https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/virginia-auto-insurance-guide/ Virginia also follows contributory negligence, so an injured person who contributed in any way to their own injury may be barred from recovering.
Business insurance rules in Virginia
- Workers’ compensationVirginia requires workers' compensation for any business with more than two employees, counting part-time, seasonal and family workers. A contractor must count its subcontractors' employees toward that total. Virginia has no state fund; coverage comes from commercial insurers, self-insurance, group self-insurance or a PEO. Source
- Contractor licensingThe Department of Professional and Occupational Regulation's Board for Contractors licenses businesses that build, repair or improve property owned by others, in Class A, B or C based on contract value. Class A and B applicants must submit a surety bond or a financial statement showing net worth, and consumers may seek relief from the Contractor Transaction Recovery Fund. Source
Home insurance in Virginia
- Home insurer of last resortVPIA has written dwelling, condominium and commercial property insurance since 1968 for Virginians who can't get coverage in the standard market. Hurricanes and coastal storms are the main catastrophe risk for homes in Tidewater and on the Eastern Shore. Source
Disasters, floods, hail, tornadoes and earthquakes in Virginia
| Measure | Virginia | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 31 | #23 of 51 | Most often for severe storm (17), hurricane (6), snowstorm (3). Tazewell County has been in 13 of them. |
| National Flood Insurance Program claims, 2005–2025 | 22,512 | #16 of 51 | $374.0 million paid; 26% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Hail reports, 2016–2025 | 1,193 | #25 of 51 | 55 of them 2 inches or larger. Largest stone 4 inches, Caroline County, August 2023. |
| Tornadoes, 2016–2025 | 152 | #26 of 51 | 17 rated EF2 or stronger; 835 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 6 | #18 of 51 | Largest: magnitude 5.8, 11 km SSW of Mineral, Virginia, August 23, 2011. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Virginia.
Worth knowing in Virginia
Virginia has made several big auto changes recently: it ended the pay-a-fee-to-drive-uninsured option on July 1, 2024 and raised its minimums to 50/100/25 on January 1, 2025, and it remains a contributory negligence state.
Virginia’s insurance regulator
Insurance in Virginia is regulated by the State Corporation Commission, Bureau of Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Virginia (NPN 21022298), so requests from Virginia are handled by him directly.
Common questions
What is the minimum car insurance in Virginia?
Since January 1, 2025, Virginia requires at least $50,000 per person and $100,000 per accident for bodily injury and $25,000 for property damage. Uninsured/underinsured motorist coverage is mandatory and matches your liability limits unless you ask for less, and medical expense benefits are optional. Since July 1, 2024, you can no longer pay the $500 uninsured motor vehicle fee instead of buying insurance.
Is Virginia a no-fault state?
Virginia is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other party's injuries and damage.https://www.scc.virginia.gov/consumers/insurance/property-casualty-consumer/virginia-auto-insurance-guide/ Virginia also follows contributory negligence, so an injured person who contributed in any way to their own injury may be barred from recovering.
Do employers in Virginia need workers’ comp?
Virginia requires workers' compensation for any business with more than two employees, counting part-time, seasonal and family workers. A contractor must count its subcontractors' employees toward that total. Virginia has no state fund; coverage comes from commercial insurers, self-insurance, group self-insurance or a PEO.
What can a Virginia homeowner do if no insurer will write the house?
VPIA has written dwelling, condominium and commercial property insurance since 1968 for Virginians who can't get coverage in the standard market. Hurricanes and coastal storms are the main catastrophe risk for homes in Tidewater and on the Eastern Shore.
Sources
- Virginia: Minimum car insurance
- Virginia: Workers’ compensation
- Virginia: Home insurer of last resort
- Virginia: Contractor licensing
- Virginia: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.