What are Virginia SR22 liability minimums?
Virginia requires minimum liability coverage of $30,000 per person / $60,000 per accident bodily injury + $20,000 property damage for an SR22 filing.
Virginia Minimum Coverage
To satisfy Virginia’s SR22 requirement, your auto insurance policy must carry at least:
- Bodily Injury: $30,000 per person / $60,000 per accident
- Property Damage: $20,000 per accident
Are Minimums Enough?
State minimums represent the legal floor — the least amount of coverage the state will accept for your SR22 filing. You can carry higher limits if you choose, and your carrier may recommend higher coverage based on your situation.
Keep in mind: if you cause an accident and the damages exceed your coverage limits, you’re personally responsible for the difference. Minimum coverage satisfies the SR22 requirement, but higher limits provide better protection.
Virginia SR22 Duration
Virginia’s SR22 filing requirement lasts 3 years from reinstatement. Your coverage must remain continuous for the entire period — any lapse triggers a license suspension.
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