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Car Insurance in Virginia

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Virginia Car Insurance Quotes

In Virginia, residents pay an average of $158 per month for car insurance, which is 16% below the national average of $189 per month. Virginia's rural and suburban areas create safe driving conditions with fewer accidents. The state also benefits from a lower crime rate than other areas of the U.S.

Like other states, the rates in Virginia can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. 

Read on to learn more about properly insuring your car in Virginia. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Virginia Car Insurance Laws

All drivers and vehicle owners in Virginia are responsible for obtaining a liability insurance policy or paying a $500 uninsured motor vehicle fee. If you opt to pay the fee, you’re not protected from any liabilities arising from an accident. Essentially, you’re driving the vehicle at your own risk. 

Virginia’s car insurance minimums

Virginia’s car insurance minimums through 12/21/2024 are:

  • $30,000 for the death or injury of one person
  • $60,000 for the death or injury of two or more people
  • $20,000 for property damage

For policies issued beginning 1/25/2024, minimum insurance requirements increase to:

  • $50,000 for the death or injury of one person
  • $100,000 for the death or injury of two or more people
  • $25,000 for property damage

Virginia’s liability insurance requirements are slightly higher compared to national averages.

Cheapest Insurance in Virginia

Multiple factors influence the cost of auto coverage. EverQuote considers factors like car models, driver records, consumer profiles, and coverage types when determining insurance premiums.

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Virginia. 

Rank Insurance company Average monthly premium
1 Progressive $83
2 USAA $101
3 Travelers $104
4 Erie Insurance $113
5 Geico $119
Avg. monthly premiums are weighted by zip code population sizes

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Proof of Insurance

“ driving without insurance ... The DMV automatically suspends your driver's license, registration certificate, and license plates. ” 

Virginia issues fines and penalties for failing to drive without insurance. The DMV automatically suspends your driver’s license, registration certificate, and license plates. To reinstate driving privileges, you must pay a $600 statutory fee, furnish and maintain proof of insurance for three years, and pay a reinstatement fee.

There is no new car insurance grace period in Virginia. New vehicle owners should obtain appropriate coverage before driving on Virginia roads. Remember that vehicles purchased using a loan or lease may require additional collision or comprehensive coverage.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Virginia?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Virginia?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Virginia?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.