Tennessee
25/50/25
$25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage.
Virginia insurance
Virginia car and home insurance, a short drive from Lee County.
Campbell Insurance is licensed in Virginia. We quote car and home coverage for households in Lee County and across southwest Virginia from our office near Cumberland Gap.
Virginia raised its minimums in 2025.
Since January 1, 2025, Virginia auto policies must carry at least 50/100/25 liability, up from 30/60/20, with uninsured and underinsured motorist coverage at matching limits. Virginia also ended the option to pay a fee and drive uninsured.
If your policy hasn't been reviewed since the change, your premium and limits may both look different from what you remember. We can check both and compare carriers.
Virginia auto minimum
How Virginia compares with its neighbors.
Virginia now asks more of drivers than Tennessee or Kentucky. Here is the side-by-side.
Kentucky
25/50/25+ PIP
The same liability limits plus $10,000 of personal injury protection, which you can reject in writing.
Virginia
50/100/25
Raised on January 1, 2025, with uninsured and underinsured motorist coverage at matching limits.
Limits shown as bodily injury per person / per accident / property damage. Confirm current requirements with your state before you rely on them.
Coverage
What we quote in Virginia.
A quote request does not bind, change, or cancel coverage. Campbell Insurance will confirm details in writing before any coverage action is taken.
Virginia auto insurance
We quote liability at or above the 50/100/25 minimum, uninsured and underinsured motorist coverage, and physical damage coverage.
- 50/100/25 liability minimum
- Matching UM and UIM
- Comprehensive and collision
- Medical expense coverage
Virginia home insurance
We price dwelling, contents, and liability coverage and check your rebuild limit against current costs.
- Replacement cost
- Roof and construction
- Liability
- Flood options
Coal-country homes
If your home sits near old underground mines, ask us about mine subsidence coverage. Availability depends on the carrier.
- Mine subsidence questions
- Older and rural homes
- Detached structures
- Water backup
Questions
Common questions.
What is the minimum car insurance in Virginia?
Since January 1, 2025, Virginia requires 50/100/25: $50,000 per person and $100,000 per accident for injuries, plus $25,000 for property damage, with uninsured and underinsured motorist coverage at matching limits.
Can I still pay the uninsured motor vehicle fee in Virginia?
No. Virginia eliminated that option, so every registered vehicle needs insurance.
Can a Tennessee agency insure my Virginia car or home?
Yes, when the agency holds a Virginia license. Campbell Insurance is licensed in Virginia and quotes Virginia policies from our Harrogate office.
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