{"id":47540,"date":"2024-12-30T14:09:23","date_gmt":"2024-12-30T22:09:23","guid":{"rendered":"https:\/\/getjerry.com\/?p=47540"},"modified":"2025-07-10T10:38:45","modified_gmt":"2025-07-10T17:38:45","slug":"virginia-raising-auto-insurance-minimums-in-2025","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/virginia\/virginia-raising-auto-insurance-minimums-in-2025\/","title":{"rendered":"Virginia Raising Auto Insurance Minimums in (December 2025)"},"content":{"rendered":"\n<p><a href=\"\/car-insurance\/virginia\/\">Virginia<\/a> drivers will soon be required to carry higher <a href=\"\/car-insurance\/\">auto insurance<\/a> minimums, a change that could impact premiums for many.<\/p>\n\n\n\n<p>As of Jan. 1, 2025, the minimum liability requirements for Virginia drivers will increase. To comply with the 2025 law, drivers will likely have to shell out more money for coverage. On the upside, the changes could also provide better financial protection to victims in case of accidents.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"new-mins\">Virginia\u2019s new liability minimums<\/h2>\n\n\n\n<p>Each U.S. state has its own specific requirements for minimum liability limits and sometimes additional coverages like <a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal Injury Protection (PIP)<\/a> or <a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/Underinsured Motorist (UM\/UIM) coverage<\/a>.<\/p>\n\n\n\n<p>Starting in 2025, Virginia will require these minimum coverages on auto insurance policies:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$50,000 for bodily injury per person.<\/li>\n\n\n\n<li>$100,000 for bodily injury of all persons (meaning per accident).<\/li>\n\n\n\n<li>$25,000&nbsp;for property damage per accident.<\/li>\n<\/ul>\n\n\n\n<p>Those are all increases from the state&#8217;s current minimum coverage of $30,000\/$60,000\/$20,000 (often called 30\/60\/20 coverage). If your current 30\/60\/20 policy renews after that date, it will be updated to meet the new standards. Until then, your current policy remains valid.<\/p>\n\n\n\n<p>Drivers should expect their monthly premium to rise upon renewal if their coverage amounts must increase to comply with the new law.<\/p>\n\n\n\n<p>Prior to July 2024, Virginia drivers could opt out of the state\u2019s car insurance requirements by paying a $500 uninsured motorist fee every year. That law is no longer in effect. Today, vehicle owners found to be uninsured will have their driving and vehicle registration privileges suspended, plus face penalties like paying a $600 non-compliance fee, filing an SR-22 (which will increase premiums) and paying a reinstatement fee, if applicable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"liability-benefits\">Will higher liability limits benefit me?<\/h2>\n\n\n\n<p>While this new law will increase insurance costs for some drivers, it offers some benefits.&nbsp;<\/p>\n\n\n\n<p>Requiring all drivers to be insured \u2014 and with higher limits \u2014 may reduce accidents involving uninsured motorists. It will also improve the financial recovery process for accident victims. At-fault drivers will have more insurance coverage to compensate victims for their injuries and property damage, and victims of accidents will have a higher chance of receiving sufficient compensation to cover medical expenses, lost wages and other types of losses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"finances-still-at-risk\">You, your car and your finances will still be at risk<\/h2>\n\n\n\n<p>State minimum liability coverage safeguards you financially by covering the costs associated with accidents you cause, including the victim\u2019s medical expenses and lost wages. It also covers court costs if you\u2019re sued. However, it doesn&#8217;t cover damage to you or your own vehicle. You&#8217;ll need additional, optional coverage like <a href=\"\/car-insurance\/collision-insurance\/\">collision<\/a>, <a href=\"\/car-insurance\/comprehensive-insurance\/\">comprehensive<\/a>, and <a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">MedPay<\/a> or PIP to cover these costs.<\/p>\n\n\n\n<p>About 12.1% of Virginia drivers were uninsured in 2022, according to a Insurance Information Institute fact page, which references an Insurance Research Council study. Rising insurance costs could cause more drivers to forgo insurance coverage altogether.<\/p>\n\n\n\n<p>Insured drivers can protect their finances in case of an accident with an uninsured driver by adding Uninsured Motorist (UM) \/ Underinsured Motorist (UIM) coverage to their policies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"steps-to-take\">What steps do I need to take today?<\/h2>\n\n\n\n<p>Understand your current coverage limits and evaluate whether they provide adequate protection. You may want to renew your policy early and increase your coverage limits. Many drivers may opt for even higher limits than the new minimum requirements for added peace of mind.<\/p>\n\n\n\n<p>If you\u2019re motivated to find potential savings, however, consider using the Jerry app to <a href=\"\/car-insurance\/car-insurance-quotes\/\">compare insurance quotes<\/a> and find the best deal before the year ends. This will allow you to lock in a lower rate for a longer period.<\/p>\n\n\n\n<p>If you\u2019re happy with your current coverage, no action is needed. Existing policies with lower limits will automatically renew at the new minimum limits on or after Jan. 1, 2025 depending on your policy renewal date.<\/p>\n\n\n\n<p><strong>Learn more:<\/strong> <a href=\"\/car-insurance\/best-car-insurance-companies\/\">Best car insurance companies<\/a><\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Kevin-Berry.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Kevin-Berry.png 250w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Kevin Berry            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance\/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Laws are changing in 2025 for drivers in Virginia which will require higher minimum coverage amounts which will likely lead to increased costs for consumers. <\/p>\n","protected":false},"author":19,"featured_media":47542,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"187\",\"type\":\"editor\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"As of Jan. 1, 2025, the minimum liability requirements for Virginia drivers will increase. To comply with the 2025 law, drivers will likely have to shell out more money for coverage. On the upside, the changes could also provide better financial protection to victims in case of accidents.\u00a0","jerry_related_posts":"[27343,35845,28093,21767,4384]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[454],"tags":[31],"class_list":["post-47540","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","category-virginia","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/47540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=47540"}],"version-history":[{"count":8,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/47540\/revisions"}],"predecessor-version":[{"id":63852,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/47540\/revisions\/63852"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/47542"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=47540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=47540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=47540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}