What VA requires of Hampton drivers

What VA requires

The legal minimum is $50,000 for one person's injuries, $100,000 for all injuries in one crash, and $25,000 for property damage — written as 50/100/25.

These minimums apply to policies starting on or after January 1, 2025 — up from 30/60/20.

If the other driver is at fault and carries only the minimum, their policy stops at those amounts. Uninsured/underinsured motorist coverage is what pays you beyond that.

Source: Virginia Department of Motor Vehicles, checked 2026-10-26.