Virginia Car Insurance

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Common questions about Virginia auto insurance

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.

What car insurance is required in Virginia?

In Virginia, it's illegal to drive without insurance. Drivers in Virginia are required to have car insurance coverage for

  • Bodily Injury to others
  • Property Damage Liability

Here are the minimum auto insurance limits drivers must have in Virginia.1



Bodily Injury to others$30,000 per person and $60,000 per accident
Property Damage Liability$20,000 per accident
Uninsured/Underinsured Motorist Bodily Injury$30,000 per person and $60,000 per accident
Uninsured/Underinsured Motorist Property Damage$20,000 per accident

Check out Virginia Department of Motor Vehiclesfor more details.

What is the average cost of car insurance in Virginia?

The average cost of car insurance in Virginia is $1,0672 in 2021 according to That's 30% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Virginia auto insurance with a customized policy, so you only pay for what you need.

U.S. Map with Virginia state highlighted

What is 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

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 30/60/20.

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.

What is the best car insurance in Virginia?

Liberty Mutual knows that everyone has different needs for their Virginia auto insurance. Some may want the cheapest Virginia car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Virginia car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Virginia?

Getting the cheapest car insurance in Virginia may sound great but that cheap rate can come at a cost when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

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Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1See Virginia State Corporation Commission for more information:
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance