Get a Virginia car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Virginia
Need car insurance in Virginia? Whether you live in Virginia Beach or Chesapeake, Liberty Mutual can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Virginia auto insurance, so you only pay for what you need.
Virginia auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programVirginia minimum car insurance requirements (30/60/20)
It's illegal to drive without car insurance in Virginia. To drive legally, you need to have at least the following coverage amounts and minimums in Virginia.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $30,000 per person and $60,000 per accident |
| Property Damage Liability Coverage | $20,000 per accident |
| Uninsured/Underinsured Motorist Coverage | $30,000 per uninsured motorist (UM) and $60,000 per underinsured motorist (UIM) |
Check out the Virginia Bureau of Insurance for more details.
Average car insurance cost in Virginia, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Virginia is about $2,076 per year.
Drivers in Virginia will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Virginia?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Virginia you're only required to have the state Liability minimums of 30/60/20.
However, “full car insurance” or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We'll make sure you get the coverage you need in Virginia when you get an online auto insurance quote.
What liability insurance is required in Virginia?
Virginia law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $30,000 per person and $60,000 per accident
- Property Damage Liability: $20,000 per accident
You may see this written as 50/100/25.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Is Virginia a no-fault insurance state?
No, Virginia is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.
Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Virginia drivers may want to consider additional coverage known as Medical Payments Coverage (MedPay).
This coverage can help cover you if you're in an accident with an underinsured or uninsured driver. While this is optional, it's recommended to have it.
Who offers cheap car insurance in Virginia?
Finding the cheapest car insurance in Virginia may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
What affects my car insurance rate in Virginia, and how can I save?
Your car insurance rate in Virginia is based on several factors, including where you live, your driving record, your vehicle, annual mileage, and the coverage and deductible you choose. Drivers in more densely populated areas, such as Northern Virginia and Hampton Roads, may pay more because higher traffic volumes can lead to more accidents and claims.
If you're looking to lower your costs, comparing quotes is a good place to start. You may also be able to save by bundling your auto and home insurance, reviewing your coverage limits and deductible, asking about available discounts, or participating in Liberty Mutual's RightTrack® program.3
Virginia's minimum liability insurance requirements increased in 2025, and because the state follows a strict contributory negligence rule, many drivers choose coverage above the state's minimum limits for added financial protection.
Virginia car insurance FAQs
No. A paper card isn't strictly required, because Virginia recognizes electronic proof. You can show your insurance details on a phone or tablet if you're pulled over, and the DMV separately verifies, through an electronic system, that registered vehicles stay insured. A printed card is still a handy fallback when a device dies or there's no signal, so plenty of drivers tuck one in the car regardless. Liberty Mutual policyholders can open their ID card directly from the app.
Yes. Every vehicle registered in Virginia must be covered by a policy that meets the state's minimum limits, which are currently 50/100/25.
When you title and register through the Virginia DMV, you'll need insurance that satisfies those requirements, as Virginia electronically verifies insurance coverage for registered vehicles so letting a policy lapse can put your registration at risk.
Not anymore. For years, Virginia was an outlier, letting drivers skip coverage by paying a $500 uninsured motor vehicle fee at registration, a fee that bought no actual protection if you crashed.
The state retired that option on July 1, 2024. There's now no legal way to register an uninsured vehicle in Virginia; you'll need an active, compliant policy before the DMV will finish the registration.