New Insurance Rules in Virginia
Come July 1, a big change is coming for drivers in Virginia. The state is making it mandatory for everyone to have car insurance. This leaves New Hampshire as the only state where insurance isn’t required.
Before this new rule, since 1958, drivers in Virginia could register a car without insurance by paying a fee. The fee started at $15 but grew to $500.
This change comes from Senate Bill 951. This bill, which was written by former State Sen. Frank Ruff in 2023, makes sure drivers have insurance before they can register their vehicle. If a driver doesn’t show proof of insurance within a month, their license gets suspended, as stated in the Virginia Code.
This bill, approved by Gov. Glenn Youngkin in March 2023, allowed the DMV to keep registering uninsured vehicles until now, but all those registrations end on July 1, 2024.
Higher Liability Limits Coming
Starting July 1, 2025, the minimum insurance coverage limits are going up. Right now, the least amount of coverage you need for injuring or killing one person is $30,000. That will increase to $50,000 next year. If you hurt or kill two or more people, the minimum goes from $60,000 to $100,000. Also, the minimum for property damage will jump from $20,000 to $35,000.
According to Bankrate, a typical full coverage car insurance plan in Virginia costs about $1,892. This is about 18% less than the national average of $2,314.
