you are a resident of Virginia and own a car, having car insurance is a requirement. Car Insurance provides protection for car accidents where you are at fault and could be held liable for all bodily injuries or property damage attributable to that accident.In Virginia, the minimum requirement is $25,000 per person and $50,000 per accident for Bodily Injury Liability and $20,000 for Property Damage Liability. Virginia also requires you to have Uninsured/Underinsured Motorist coverage with the minimum of $25,000 per person and $50,000 per accident for Uninsured Motorist Bodily Injury Liability and $20,000 for Uninsured Motorist Property Damage.