What are the minimum Virginia auto insurance requirements?

Drivers in Virginia need liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $20,000 in property damage per accident

Virginia has minimum limits on liability coverage, but you can always increase this amount to better protect your assets. See more on auto liability insurance.

Virginia also mandates uninsured/underinsured bodily injury coverage (UM/UIM BI) with the following minimum limits:

  • UM/UIM BI: $25,000 per person, $50,000 per accident

Protect your vehicle with physical damage coverages

If you're leasing or financing a vehicle, most lenders mandate that you carry collision and other than collision coverage. And if your vehicle holds some value, it's wise to add them. Collision and other than collision can pay to repair or replace of your car if it's in an accident, gets stolen, or is otherwise damaged as a result of a covered incident.

The Progressive Snapshot® discount program personalizes your rate based on your driving habits. The safer you drive, the more you could save. See more on Snapshot.

How much is car insurance in Virginia?

Rates in Virginia will vary based on a variety of factors, including your driving history, zip code, plus the limits and coverages you select.

Can I get cheaper car insurance in Virginia through discounts?

Progressive offers a range of terrific discounts on auto insurance in Virginia, including:

  • Multi-policy
  • Multi-car
  • Five-year accident-free
  • Online quote
  • Distant student
  • Teen driver
  • Paperless
  • Smart technology

See all auto discounts.

Facts about driving in the state of Virginia:

  1. Virginia has strict driving restrictions for teenagers, including curfew restrictions, cell phone usage, and passenger restrictions for drivers under the age of 18.

  2. Virginia has some of the best maintained roadways in the country—but that doesn't mean you won't hit a pothole or occasional ice patch. Make sure you're protected in case of a mishap with collision coverage.

  3. More than 9% of drivers in Virginia have no auto insurance. Uninsured and underinsured motorist coverages can help pay for damages or injuries caused by drivers with no insurance or not enough coverage.

How to get car insurance in Virginia


Answer some questions and then customize your coverages.

Call a rep

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Connect with an independent agent near you.