State Requirements
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Virginia’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for Virginia:

Is it mandatory to have car insurance in Virginia?  


What are the minimum limits for Virginia? 

$30,000 bodily injury per person 
$60,000 bodily injury per accident 
$20,000 property damage per accident



Dairyland® coverage in Virginia

At Dairyland, we’re proud to be able to help drivers in Virginia meet their insurance needs. Here are some of the parameters of our insurance coverage in Virginia:

What is the maximum bodily injury liability and property damage limit Dairyland offers in Virginia?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$100,000 property damage per accident



What liability coverages are required to be offered in Virginia? Can a customer reject them?

Bodily Injury, Property Damage, Uninsured Motorist Bodily Injury, Underinsured Motorist Bodily Injury, and Uninsured Motorist Property Damage must be offered. Limits cannot be greater than Bodily Injury/Property Damage limits.

What are all the coverages Dairyland offers in Virginia?

  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Bodily Injury
  • Property Damage
  • Collision
  • Other than collision
  • Medical Payment
  • Accidental Death
  • Lienholder Deductible
  • Special Equipment
  • Towing and Labor
  • Income Loss
  • Transportation Expense
  • Car Loan Protection

What’s the oldest a vehicle can be to get Dairyland’s collision and other than collision coverage in Virginia?

20 years

How far back does Virginia go to look at violation history?

3 years

What additional policy types are offered in Virginia?  

Named Non-Owner

Is an insurance score used in my rating in Virginia? If so, is it mandatory? 

Yes, an insurance score is used for rating in Virginia, but it’s not mandatory.

What additional policy terms does Dairyland offer in Virginia? 

6 months and 12 months

What is Dairyland’s minimum down payment option in Virginia?  

6 months: 16.66% 12 months: 8.33%

Are SR22s and/or FR44s used in Virginia?  If so, is there a fee assessed by Dairyland? Is it filed electronically?  

SR22s and FR44s are used in Virginia, both filed electronically with no fees. 

What discounts are available from Dairyland in Virginia?

  • Multi-car
  • Homeowner
  • Transfer (prior insurance)
  • Paid in full
  • Quarterly payments
  • Defensive driver
  • Advanced quote
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