As the Department of Motor Vehicles of Richmond informs, the recently passed bill SB 1182 significantly increases the liability insurance coverage requirements in 2022 and further, doubling the required injury or death coverage for policies effective on January 1, 2025, and bringing more important changes.
The update will come into force on January 1, 2020, to adjust both policies effective up to the end of 2024 and those effective in 2025 and beyond. The full list of changes is as follows:
For policies effective from January 1, 2022, up to December 31, 2024:
- Injury or death of one person: $25,000 to $30,000.
- Injury or death of two or more persons: $50,000 to $60,000.
- Property damage: remains intact.
For policies effective on or after January 1, 2025:
- Injury or death of one person: $25,000 to $50,000.
- Injury or death of two or more persons: $50,000 to $100,000.
- Property damage: $20,000 to $25,000.
According to the DMV, after the updates come into force, it will only be possible to purchase license places and register a vehicle after:
- certifying that it is insured;
- paying the uninsured motor vehicle fee.
Akin to the insurance changes in Illinois, the Virginians caught driving without completing either a) or b) will have their registration privileges suspended until they pay a $600 non-compliance fee.

Oleksandr is an expert in deep research. He covers insurance topics across four major insurance verticals – auto, health, life, and home insurance – while taking into account the legal landscape of the state in question. Come rain or shine, you can expect regular quality blogs and timely updates from Oleksandr.