What is the average cost of car insurance in Virginia?
Virginians paid an average of $945 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s less expensive than the national average of $1,176 per year for full coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
What are the minimum car insurance requirements in Virginia?
A car insurance policy is required to include a minimum amount of liability coverage in Virginia. However, minimum coverage may not be the full extent of coverage you want.
As of March 2023, 30/60/20 liability coverage limits are the minimum required in Virginia.
COVERAGE TYPE
VIRGINIA MINIMUM REQUIREMENTS
Bodily injury liability
$30,000 per person; $60,000 per accident
Property damage liability
$20,000 per accident
Uninsured motorist bodily injury
$30,000 per person; $60,000 per accident
Uninsured property damage
$20,000 per accident
COVERAGE TYPE
Bodily injury liability
VIRGINIA MINIMUM REQUIREMENTS
$30,000 per person; $60,000 per accident
COVERAGE TYPE
Property damage liability
VIRGINIA MINIMUM REQUIREMENTS
$20,000 per accident
COVERAGE TYPE
Uninsured motorist bodily injury
VIRGINIA MINIMUM REQUIREMENTS
$30,000 per person; $60,000 per accident
COVERAGE TYPE
Uninsured property damage
VIRGINIA MINIMUM REQUIREMENTS
$20,000 per accident
What does car insurance typically cover in Virginia?
A typical car insurance policy in Virginia includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages.
Read more about coverage options in Virginia with a Farmers Flex Personal Auto policy.
Virginia car insurance discounts
Farmers offers a variety of discounts for drivers in Virginia. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
Jamestown
This riverside colony near Williamsburg is more than 400 years old. It was founded in 1607 and is considered the first permanent English settlement in the Americas. — National Park Service
More coverage options in Virginia
Virginia home insurance
Learn more about what home insurance in Virginia covers, available discounts and more.
View home insurance coverage details and discounts for Virginia
Learn From Experience
Still have questions about cars and car insurance in Virginia? We have answers.
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To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
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