Virginia Car Insurance for Senior Drivers
Virginia requires 50/100/25 liability coverage and is an at-fault state.
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Virginia at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
75
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Virginia
Virginia operates as a tort state, meaning the at-fault driver pays for damages — making liability limits your primary financial protection against lawsuits. The Virginia Department of Motor Vehicles requires continuous proof of financial responsibility, and your insurer reports lapses electronically to the state within 45 days.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage (MedPay)
What Drivers Pay in Virginia
$130–$143/mo
Typical monthly rate in Virginia, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
Keep Your Coverage Without Overpaying
Compare Senior Auto Insurance RatesMature-driver discount
Required by state law
Va. Code 38.2-2217 (55+, appropriate reduction, no fixed %)
Source: state statutes and insurance departments, verified July 2026
Frequently Asked Questions
What happens if I reject uninsured motorist coverage in Virginia?
Uninsured motorist coverage must be rejected in writing at policy inception — verbal rejection does not satisfy the Virginia Department of Motor Vehicles requirement, and the coverage is added automatically if the rejection form is not completed within 30 days. If you are hit by an uninsured driver and declined UM coverage, you must sue the at-fault driver personally to recover costs, which is often unrecoverable if they have no assets.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Virginia's 25/50/20 minimum leaves you personally liable for amounts above the limit.
Uninsured Motorist Coverage
Pays your costs when hit by a driver with no insurance or insufficient coverage. Must be rejected in writing or it is added automatically.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. Does not cover collision damage — that requires separate collision coverage.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident or single-vehicle crash. Only financially justified if your vehicle is worth more than $6,000.