Car insurance in Virginia comes with specific requirements and rate factors that every driver should understand. This guide covers minimum coverage, average costs, the cheapest insurers, and how to save.
Virginia Minimum Car Insurance Requirements
Virginia requires all drivers to carry 30/60/25 liability coverage:
| Coverage Type | Minimum Limit | What It Covers |
|---|---|---|
| Bodily Injury Liability | \,000 per person / \,000 per accident | Medical expenses for others you injure |
| Property Damage Liability | \,000 per accident | Damage you cause to others' property |
Is Virginia a No-Fault State?
No. Virginia is an at-fault (tort) state.
Average Car Insurance Costs in Virginia
| Coverage Type | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Liability Only | \–\ | Approx. \–\/month |
| Full Coverage | \,150–\,450 | Approx. \–\/month |
Virginia's average full coverage rate is about 12–18% below the national average (,674).
Cheapest Car Insurance Companies in Virginia
- GEICO
- State Farm
- Progressive
- Erie Insurance
Virginia Insurance Laws You Should Know
Virginia uniquely allows drivers to pay a \ Uninsured Motorist fee instead of carrying insurance — but this is a terrible idea. You get no coverage at all. Always carry insurance. UM coverage is required but can be rejected in writing.
Discounts Available to Virginia Drivers
- Multi-policy
- good driver
- good student
- telematics
- military (many bases in VA)
- low mileage
Frequently Asked Questions
What are the minimum car insurance requirements in Virginia?
30/60/25 minimum liability coverage: \,000 per person, \,000 per accident, and \,000 property damage.
Is Virginia a no-fault state?
No. Virginia is an at-fault state.
How much is car insurance in Virginia?
Average full coverage in Virginia is \,150–\,450 per year, about 12–18% below the national average.