Virginia
Virginia guides

Virginia Car Insurance Requirements: The 2025 Minimums, Uninsured Motorist Coverage and What to Ask Your Agent
Virginia requires 50/100/25 liability for policies effective on or after January 1, 2025, plus UM/UIM coverage. See DMV rules, lapse steps and what to ask.
AutoAverage Cost of Car Insurance in Virginia: What Drivers Pay Per Month and What Drives Your Quote
Virginia drivers spent an average of $949.48 per insured car in 2022, about $79 a month, per the NAIC. See what the averages include and what moves a quote.
AutoVirginia Uninsured Motor Vehicle Fee: What Changed in 2024, What Driving Uninsured Costs Now and What to Do
Virginia's $500 uninsured motor vehicle fee ended July 1, 2024. See the $600 noncompliance fee, the three-year SR-22 and how to answer a DMV letter on time.
More Virginia guides

Virginia FR-44 Insurance Requirements: Who Needs It, the Higher Limits, How Long It Lasts and How It Differs From SR-22
A Virginia FR-44 certifies $100,000/$200,000/$50,000 liability after listed DUI convictions, generally for three years. See who needs it and how SR-22 differs.

Virginia Medical Expense Benefits on Car Insurance: What Med Pay and Income Loss Coverage Pay and How Claims Work
Virginia medical expense benefits are optional auto coverage for crash medical and funeral bills, plus up to $100 a week in lost income, regardless of fault.

Virginia Homeowners Insurance: What It Costs, What It Covers, Wind and Flood, and State Rules
Virginia homeowners insurance covers the house, belongings and liability but generally excludes flood and earth movement. See wind deductible and notice rules.

Virginia Renters Insurance: What It Costs, What It Covers and What Virginia Law Says About Landlords Requiring It
Virginia renters insurance covers your belongings and liability. No state law requires it, but a lease can, and HO-4 policies averaged $165 a year in 2023.

Virginia Flood Insurance Requirements: When You Need It, What It Costs, and How to Check Your Flood Zone
Virginia has no blanket flood mandate, but federally backed loans on buildings in a FEMA high-risk zone require it. Home and renters policies exclude flood.

Virginia Paid Family Leave: Program Status, Dates, Payroll Contributions and What Employers Can Offer Now
Virginia paid family leave contributions start April 1, 2028 and benefits December 1, 2028, with up to 12 weeks at 80% of wages. See dates, costs and options.

Virginia Business Insurance Requirements: Workers' Compensation, Commercial Auto and What Else to Ask About
Virginia requires workers' comp once a business has more than two employees, and business vehicles must meet the 2025 auto minimums. See what else to ask about.