# Virginia minimum auto liability insurance

For Virginia minimum auto liability insurance, bodily injury per person is $50,000; bodily injury per accident is $100,000; property damage per accident is $25,000; effective date of current limits is For all policies effective on or after January 1, 2025, recorded from its source on 2026-08-10.

- **State:** Virginia _(our reading, not quoted from the source)_
- **Bodily injury per person:** $50,000 _(verified: appears in the quote below)_
- **Bodily injury per accident:** $100,000 _(verified: appears in the quote below)_
- **Property damage per accident:** $25,000 _(verified: appears in the quote below)_
- **Effective date of current limits:** For all policies effective on or after January 1, 2025 _(verified: appears in the quote below)_
- **Issuing authority:** Code of Virginia § 46.2-472
- **Notes:** For policies effective before January 1, 2025 the limits were $30,000 because of bodily injury to or death of one person, $60,000 per accident and $20,000 for property damage. _(verified: appears in the quote below)_

## What the source says

> subject to a limit exclusive of interest and costs, with respect to each motor vehicle, of $30,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $60,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $20,000 because of injury to or destruction of property of others in any one accident. B. For all policies effective on or after January 1, 2025, every motor vehicle owner's policy shall: 1. Designate, by explicit description or appropriate reference, all motor vehicles with respect to which coverage is intended to be granted. 2. Insure as insured the person named and any other person using or responsible for the use of the motor vehicle or vehicles with the permission of the named insured. 3. Insure the insured or other person against loss from any liability imposed by law for damages, including damages for care and loss of services, because of bodily injury to or death of any person, and injury to or destruction of property caused by an accident and arising out of the ownership, use, or operation of such motor vehicle or vehicles within the Commonwealth, any other state in the United States, or Canada, subject to a limit exclusive of interest and costs, with respect to each motor vehicle, of $50,000 because of bodily injury to or death of one person in any one accident and, subject to the limit for one person, to a limit of $100,000 because of bodily injury to or death of two or more persons in any one accident, and to a limit of $25,000 because of injury to or destruction of property of others in any one accident.

## Source

- https://law.lis.virginia.gov/vacode/title46.2/chapter4/section46.2-472/

Last verified: 2026-08-10. Review by: 2027-02-06.
Part of [Minimum auto liability insurance limits by state](https://referencesource.org/auto-insurance-minimums/).