Virginia Car Insurance FAQ - Quick Answers

On average, Virginia drivers pay $1,008 a year for their car insurance coverage, coming in lower than the national annual average cost of $1,311. For competitive premiums, consult with a licensed adviser. 

All Virginia drivers will walk away with customized auto coverage, but there are standard limits commonly chosen by most:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a collision with an unavoidable object such as an animal.
  • Collision: Pays for a collision with another vehicle, animal, or property.

Virginia requires all drivers to carry these mandated limits of coverage or more for car insurance:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $20,000 in property damage liability
  • Uninsured motorist liability 

There are currently 9.9% of all Virginia drivers without car insurance. This puts you and your loved ones at risk every time you're on the road. For proper protection, you can get uninsured motorist coverage that pays for any damage or injuries resulting from a collision with an at-fault uninsured driver.

When shopping for car insurance, there are several carriers to choose from. In Virginia, Nationwide, Travelers, State Auto, and Safeco are all commonly used. This is due to their superior coverage offerings and exceptional customer service. 

No. Virginia is what is referred to as an "at-fault" state. This simply means that whoever caused the car accident is the one responsible for the damage and injuries. 

No. When registering a vehicle in Virginia, you are not required to provide proof of car insurance. You will have to prove coverage if you're in a auto accident or pulled over. 

Do You Know What Your Car Insurance Covers in Virginia?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute Time (Min)Auto thefts / 1,000Annual Insurance Cost
Alexandria29.72.41$1,191
Arlington27.00.98$994
Centreville29.32.29$1,171
Chesapeake25.51.28$984
Hampton22.81.72$984
Lynchburg16.62.06$905
Norfolk20.13.23$1,081
Portsmouth21.13.91$1,169
Richmond19.85.08$1,260
Suffolk29.11.67$1,105
Virginia Beach22.31.28$970