What are the minimum Virginia auto insurance requirements?

All drivers are required to have car insurance in Virginia. Virginia liability coverage requirements have minimum limits of at least:

  • $30,000 in bodily injury per person
  • $60,000 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.

Uninsured motorist coverage in Virginia

Although car insurance is a requirement in the state, some drivers remain uninsured. In addition to liability coverage, Virginia also mandates uninsured/underinsured bodily injury coverage (UM/UIM BI) with the following minimum limits:

  • UM/UIM BI: $30,000 per person, $60,000 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. Also, if your vehicle holds some value, it may be wise to add them. Collision and other than collision can pay to repair or replace your car if it's in an accident, is 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 to help lower the cost of auto insurance in Virginia, including:

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

Save even more — all while protecting your most valuable assets — by bundling your home and auto insurance.

See all auto insurance 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 10% 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.

  4. Virginia is one of only two states — along with Florida — that uses an FR-44 form. The FR-44 form has stricter insurance requirements than the SR-22 and is used for more severe driving offenses, which results in higher liability coverage requirements.

How to get car insurance in Virginia

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