Virginia car insurance: requirements & free quotes
Virginia raised its minimums to 50/100/25 for policies effective on or after January 1, 2025, and since July 1, 2024 every registered vehicle must be insured because the uninsured motor vehicle fee option was eliminated. It is an at-fault state that also follows contributory negligence.
Minimum coverage in Virginia
$50,000
Bodily injury per person
$100,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $50,000 per person / $100,000 per accident
Property damage liability $25,000 per accident
Uninsured/underinsured motorist coverage (bodily injury and property damage)
Shown as 50/100/25 + UM/UIM. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Virginia
- Since paying a fee instead of insuring is no longer allowed, avoid any coverage gap when changing insurers.
- UM/UIM coverage protects you if the at-fault driver is uninsured or underinsured.
- Comprehensive coverage helps with deer collisions and storm damage.
- Ask about bundling and safe-driver discounts.
We connect drivers across Virginia
Including Virginia Beach, Chesapeake, Norfolk, Richmond and Arlington — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Virginia car insurance FAQ
No. Virginia is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.