VA · educational prototype
Virginia minimum auto liability
Commonly cited minimum
30/60/20 (commonly cited—verify with SCC Bureau of Insurance)
Notation is educational (BI per person / BI per accident / PD). Exact wording and required extras vary—confirm before you buy.
What this means
Virginia historically allowed registered owners to pay an uninsured motor vehicle (UMV) fee instead of maintaining liability insurance for a period. That fee is not insurance—it is a statutory alternative with serious coverage gaps if you cause a crash. Most drivers who operate on public roads still need a real liability policy with adequate limits.
Verify the source
Cross-check current requirements with the official regulator: Virginia SCC — Bureau of Insurance. PolicyPlain does not publish bindable legal advice.
National orientation: NAIC consumer resources and Insurance Information Institute.
UMV fee vs liability insurance
Paying the UMV fee does not provide bodily injury or property damage liability coverage to others. If you choose insurance instead, compare BI/PD limits like any other state and consider UM/UIM. Confirm the current fee amount and eligibility rules on SCC consumer pages before you register a vehicle.
Higher limits for real-world crashes
Even when minimums are cited as 30/60/20, hospital bills and vehicle repair costs can exceed those buckets quickly. Drivers with assets or future earnings often buy higher limits and discuss umbrella coverage once underlying auto and home limits are solid.
Minimum ≠ enough
State minimums set a legal floor. Serious injuries and modern vehicle values often exceed those floors. Use our auto coverage planner to think through limits educationally.
Canonical URL for sharing: https://policyplain.org/states/virginia