Virginia Car Insurance Laws 2025 (VA Minimum Coverage)
Virginia car insurance laws mandate property damage and bodily injury coverage with limits of 50/100/25. Car insurance rates start at just $18/month. Failure to meet these requirements can lead to minimum fine of $600 and license suspension.
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
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UPDATED: Apr 29, 2025
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 29, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Virginia auto insurance laws mandate 50/100/25 liability coverage. Affordable plans are available starting at just $16 monthly.
Virginia Car Insurance Laws Coverage Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $50,000 per person / $100,000 per accident |
| Property Damage Liability | $25,000 per accident |
Virginia’s auto insurance laws mandate that all drivers maintain minimum liability coverage to ensure financial responsibility in the event of an accident and it’s important to compare options from the best car insurance companies.
Explore Virginia car insurance laws and find the best companies with the lowest rates to meet state requirements.
- Drivers in Virginia must have 50/100/25 auto insurance coverage
- Car insurance in VA starts as low as $18 monthly
- Failing to meet VA insurance laws can lead to license suspension
Learn what Virginia law requires for car insurance so you can avoid fines, penalties, and possible suspension of your license or registration. If you’d like to get free Virginia car insurance quotes instantly, enter your ZIP code.
Virginia Auto Insurance Requirements & What They Cover
In Virginia, all drivers are required to carry auto insurance to operate a vehicle legally. Drivers are required to have auto insurance with minimum coverage: $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage per accident.
Virginia also requires uninsured and underinsured motorist coverage with the same limits, often included in full coverage car insurance. This protects drivers if the other party lacks insurance. Violations can lead to fines and license suspension.
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Cheapest Car Insurance in Virginia
The cheapest car insurance in Virginia is often available from providers like USAA, Progressive, and State Farm. Comparing quotes and using discounts helps drivers find affordable, legal coverage.
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Min. Coverage in Virginia
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18,154 reviewsMonthly premiums vary depending on factors like city, age, gender, and driving record. Insurers also assess your vehicle’s safety features, mileage, and past claims to calculate your rate.
Virginia Min. Coverage Car Insurance Laws Monthly Rates by City
| City | Rates |
|---|---|
| Alexandria | $43 |
| Arlington | $44 |
| Chesapeake | $40 |
| Newport News | $38 |
| Norfolk | $41 |
| Richmond | $39 |
| Virginia Beach | $42 |
Car insurance rates in Virginia differ by location, with Newport News having the lowest average at $38 per month and Arlington the highest at $44 for insurance for learner’s permit.
Car Insurance Monthly Rates in Virginia by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $237 | $238 | $177 | $177 | $177 | $177 | $177 | $177 |
 | $144 | $170 | $120 | $122 | $120 | $122 | $141 | $151 |
 | $203 | $212 | $141 | $151 | $141 | $151 | $141 | $151 |
 | $155 | $162 | $154 | $161 | $94 | $92 | $98 | $101 |
 | $227 | $261 | $180 | $193 | $180 | $193 | $180 | $193 |
 | $161 | $177 | $120 | $122 | $121 | $124 | $121 | $124 |
 | $137 | $143 | $135 | $139 | $94 | $92 | $91 | $92 |
 | $122 | $141 | $91 | $91 | $91 | $91 | $91 | $91 |
 | $129 | $140 | $108 | $109 | $108 | $109 | $108 | $109 |
 | $97 | $107 | $64 | $64 | $64 | $64 | $64 | $64 |
Younger drivers, particularly 17-year-old males, often face the highest insurance premiums due to their inexperience and higher risk of accidents. In contrast, older drivers typically benefit from lower rates, reflecting their more experienced driving history and lower risk.
Read more: Average Cost of Car Insurance by Age
Car Insurance Monthly Rates in Virginia by ZIP Code
| ZIP | Rates |
|---|---|
| 22030 | $120 |
| 23220 | $130 |
| 22903 | $125 |
| 22192 | $140 |
| 23456 | $135 |
| 20152 | $128 |
| 22901 | $132 |
| 23320 | $145 |
| 23832 | $138 |
| 22701 | $118 |
Car insurance rates in Virginia vary by ZIP code due to factors like population density, traffic, and crime. Urban areas like Richmond have higher premiums, while suburban and rural areas, such as Charlottesville and Abingdon, often have lower rates.
Penalties for Driving Without Insurance in VA
Virginia learner’s permit holders must have valid auto insurance meeting minimum liability coverage. Driving uninsured can lead to license and registration suspension. To reinstate, drivers must pay a $600 uninsured motorist fee, provide SR-22 proof for three years, and pay a $145 reinstatement fee.
Strict penalties for uninsured driving deter violations, ensuring drivers contribute to safety and financial protection. Insurance promotes responsible behavior and reduces the financial burden of accidents, especially when seeking no license car insurance near me.
Carrying valid insurance in Virginia helps you avoid steep fines, jail time, and the risk of losing your registration or license.
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Failure to provide proof of insurance within 30 days of being notified can result in a Class 2 misdemeanor charge in Virginia, with penalties including a fine of up to $1,000 and up to six months in jail. These penalties are designed to enforce financial responsibility and promote safety on the roads.
Enter your ZIP code to compare insurance rates and understand how local factors affect premiums. This helps you find affordable coverage while staying compliant with state laws.
Frequently Asked Questions
What are the minimum car insurance requirements in Virginia?
Virginia car insurance requirements include a minimum of $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage per accident.
Is car insurance mandatory in Virginia?
Yes, car insurance is mandatory in Virginia. All drivers must carry a minimum amount of liability insurance to legally operate a vehicle in the state. Start comparing Virginia auto insurance rates by entering your ZIP code here.
What is the penalty for driving without insurance in Virginia?
Driving without insurance in Virginia can lead to fines, license suspension, and an SR-22 requirement. It’s crucial to carry at least the minimum coverage, even with a limited Virginia new car insurance grace period.
Read more: Car Insurance Requirements
What is an SR-22 certificate of financial responsibility?
An SR-22 certificate is a document that proves a driver has the required amount of car insurance liability coverage. In Virginia, it may be required for drivers who have been convicted of certain violations or have their license reinstated after a suspension.
Can I use a digital copy of my insurance card in Virginia?
Virginia law allows drivers to show electronic proof of insurance on a mobile device. For more details, use the Virginia insurance agent license lookup. Avoid expensive auto insurance premiums by entering your ZIP code to see the cheapest rates for you.
Why do younger drivers, especially 17-year-old males, typically face higher insurance premiums in Virginia?
Younger drivers, particularly 17-year-old males, often face the highest insurance premiums due to a lack of experience and higher accident risk, making it more challenging to find cheap car insurance.
How does Virginia’s law address uninsured and underinsured motorist coverage?
The Virginia car insurance grace period also includes a requirement for uninsured and underinsured motorist coverage with the same limit, protecting drivers if the other party lacks insurance.
How do car insurance rates in Virginia vary by city and ZIP code?
Car insurance rates in Virginia vary by ZIP code due to factors like population density, traffic, and crime, with cities like Richmond being more expensive. Enter your ZIP code to find the most affordable quotes in your area.
How does full coverage insurance in Virginia differ from minimum liability coverage?
Full coverage car insurance often includes collision, comprehensive, and required uninsured/underinsured motorist coverage, offering broader protection than Virginia’s state minimums.
What factors do insurers in Virginia consider when calculating monthly premiums?
Insurers consider your vehicle’s safety features, mileage, driving history, age, gender, and location when setting car insurance rates in Virginia. For help, use the Virginia Bureau of Insurance agent lookup tool.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.