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Virginia Autoowners with auto insurance coverage

Auto Insurance in Virginia

As a driver in Virginia, you need to make sure that you have the proper insurance in place before you hit the road. Virginia requires that you have a minimum amount of coverage for your vehicle by law. You want to make sure you do not get caught without the right coverage, or you could face some serious consequences as a result.

How Much Auto Insurance Coverage is Required?

In Virginia, you are required to have the following insurance minimums for auto insurance, which you can purchase from Easley Hedrick Insurance & Financial in Richmond, VA:

  • $25,000 in bodily injury insurance coverage per person and per accident
  • $50,000 in bodily injury insurance coverage for all persons per accident
  • $20,000 in property damage liability coverage
  • $25,000/$50,000 in uninsured motorist bodily injury insurance coverage
  • $20,000 in uninsured motorist property damage coverage, as well as a $200 deductible for hit-and-run accidents

While you are not required to have any additional coverage in Virginia, like collision, comprehensive, or even personal injury protection, you can purchase additional coverage options if you wish to do so. For example, if your vehicle is expensive or worth a lot of money, you may want to add some coverage to help prevent monetary loss in the case of an accident. This is not required, but under some circumstances, it makes sense to purchase these additional coverages.

If you fail to have the proper insurance in the state, you do run the risk of being caught and then hit with some severe penalties such as having your license suspended, paying a $500 statutory fee, and even paying an additional $30 reinstatement fee. You do not want to run into this issue as it can cause you issues with insurance later on as well.

Be sure to reach out to us here at Easley Hedrick Insurance & Financial in Richmond, VA if you want to make sure you have the proper coverage or want to purchase an auto policy.


We are headquartered in Richmond, VA and serve clients all over in Virginia.

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Servicing States

  • Virginia
  • North Carolina
  • District of Columbia
  • Maryland
  • West Virginia