Virginia Auto Insurance Rates & Requirements
Virginia requires 50/100/25 liability coverage and is an at-fault state.
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Virginia at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Virginia operates as a tort-based liability state where at-fault drivers are financially responsible for damages. Unlike most states, Virginia allows drivers to legally operate uninsured by paying this fee, though it provides no accident protection and drivers remain personally liable for all damages they cause.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $93/mo
Average car insurance spending in Virginia
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Hampton Roads region (Virginia Beach, Norfolk, Chesapeake) sees elevated rates from high-density military populations, tourism traffic, and flood risk in coastal zones prone to storm damage.
- Vehicle age and repair costs drive collision/comprehensive premiums — popular Virginia models like Ford F-150 and Honda CR-V have moderate repair costs, while luxury vehicles common in Northern Virginia can double comprehensive rates.
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Compare Auto Rates for FreeFrequently Asked Questions
Does Virginia require SR-22 insurance?
Virginia requires SR-22 certificate filing after DUI convictions, reckless driving, driving uninsured, accumulating 12+ demerit points, or multiple at-fault accidents. The SR-22 is not separate insurance — it's a DMV filing proving you maintain required liability coverage. You must carry continuous SR-22 for three years, and any lapse triggers immediate license suspension.
Coverage Types
Liability Insurance
Covers damages you cause to others — bodily injury and property damage. Virginia's 25/50/20 minimum is the lowest tier of protection and can be exhausted by a single moderate accident involving injuries or a newer vehicle.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage for complete protection of your vehicle and liability exposure. Essential for financed vehicles and recommended for drivers with assets to protect.
Comprehensive Coverage
Pays for non-collision damage to your vehicle — theft, vandalism, weather, falling objects, and animal strikes. Covers flood damage from coastal storms and hail damage common in Virginia's Piedmont region.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or inadequate limits to cover your injuries and vehicle damage. Functions as a safety net when the other driver cannot pay for the harm they caused.
Collision Coverage
Repairs or replaces your vehicle after a crash with another vehicle or object, regardless of fault. Required by lenders on financed vehicles and recommended for cars worth more than $4,000–$5,000.
SR-22 Insurance
Not a separate coverage type — an SR-22 is a certificate your insurer files with the Virginia DMV proving you carry required liability coverage after certain violations like DUI, reckless driving, or driving uninsured.