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Virginia Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Virginia. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Virginia.

VA Auto Insurance Laws and Regulations:

Virginia Bureau of Auto Insurance / Tyler Bldg.
1300 East Main Street
Richmond, VA 23219

Minimum Car Insurance Coverage in VA:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$20,000 for damage to property

VA Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles

If You've Paid The Uninsured Motor Vehicle fee of $500. It expires With Your Registration


VA Uninsured Penalties:

Residents of the state of Virginia who register a vehicle as insured but fail to present proof upon request by a an officer of the law or other state authority, or who let their insurance lapse will face some severe penalties. Penalties include the restriction or revocation of both operator's license and the uninsured vehicles registration. Getting the vehicle registered again will require proof of insurance, paying a $500.00 statutory fine and $85.00 fee to reinstate their registration, there may be additional DMV fees for reinstating the motor vehicle operator's license. In addition, for three years following a violation, the motorist will have to regularly submit proof of insurance to the DMV and if for any reason their policy is cancelled, the insurance agency is obligated to report it.

Virginia has also started the Insurance Verification Program which monitors for uninsured motorists. The key method they use for monitoring is electronic insurance policy records that all insurance policy agencies licensed to do business in the State of Washington are compelled to submit. This includes information on new policies, changes to current policies and the cancellation of policies.

The electronic record monitoring, along with more traditional monitoring such as accident reports and police officer requests for proof of insurance make up the entirety of the program. The electronic method being the newest and most important, as this method was done with paper previously and was much harder to compare against registered vehicles, looking for those who have let their insurance lapse.


VA Department of Insurance Contact Information:

1-804-371-9741 or
Toll Free: 1-800-552-7945

VA State Insurance Department Website:





Directory of Virginia Auto Insurance Agents by County

Accomack
Albemarle
Alexandria City
Alleghany
Amelia
Amherst
Appomattox
Arlington
Augusta
Bath
Bedford
Bland
Botetourt
Bristol City
Brunswick
Buchanan
Buckingham
Buena Vista City
Campbell
Caroline
Carroll
Charles City
Charlotte
Charlottesville City
Chesapeake City
Chesterfield
Clarke
Colonial Heights City
Covington City
Craig
Culpeper
Cumberland
Danville City
Dickenson
Dinwiddie
Essex
Fairfax
Falls Church City
Fauquier
Floyd
Fluvanna
Franklin
Franklin City
Frederick
Fredericksburg City
Giles
Gloucester
Goochland
Grayson
Greene
Greensville
Halifax
Hampton City
Hanover
Harrisonburg City
Henrico
Henry
Hopewell City
Isle Of Wight
James City
King And Queen
King George
King William
Lancaster
Lee
Loudoun
Louisa
Lunenburg
Lynchburg City
Madison
Manassas City
Martinsville City
Mathews
Mecklenburg
Middlesex
Montgomery
Nelson
New Kent
Newport News City
Norfolk City
Northampton
Northumberland
Norton City
Nottoway
Orange
Page
Patrick
Petersburg City
Pittsylvania
Poquoson City
Portsmouth City
Powhatan
Prince Edward
Prince George
Prince William
Pulaski
Radford
Rappahannock
Richmond
Richmond City
Roanoke
Roanoke City
Rockbridge
Rockingham
Russell
Salem
Scott
Shenandoah
Smyth
Southampton
Spotsylvania
Stafford
Staunton City
Suffolk City
Surry
Sussex
Tazewell
Virginia Beach City
Warren
Washington
Waynesboro City
Westmoreland
Williamsburg City
Winchester City
Wise
Wythe
York

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