Virginia Auto Insurance Rates & Minimum Coverage
Virginia requires 50/100/25 liability coverage and is an at-fault state.
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Virginia at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Virginia operates as a tort state where at-fault drivers are financially responsible for damages they cause. Virginia is one of only two states that allows drivers to legally operate uninsured by paying this fee, though it provides no accident protection and leaves drivers personally liable for all damages.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Cost Overview
$64–$116/mo
Typical monthly rate in Virginia, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The only coverage Virginia law requires. Pays for injuries and property damage you cause to others, but provides zero protection for your own vehicle or medical bills. Virginia's 25/50/20 minimum leaves you personally responsible for damages beyond these limits — serious accidents routinely exceed $50,000.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal liability and your vehicle. Required by lenders on financed vehicles. For cars worth under $3,000, the annual cost of physical damage coverage often equals or exceeds the vehicle's value — at that point, paying out-of-pocket for repairs becomes more cost-effective.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage. Virginia insurers must offer this at your liability limits unless you reject it in writing. Adds $8–$18/month to minimum coverage policies.
Collision Coverage
Pays to repair or replace your vehicle after hitting another car or object, regardless of fault. Requires a deductible ($500–$1,000 typical). Lenders require this on financed vehicles, but it's optional once the loan is paid off.
Comprehensive Coverage
Covers non-collision damage — theft, vandalism, hail, flood, fire, and animal strikes. Requires a deductible. For vehicles worth under $4,000, annual comprehensive premiums often cost 30–40% of the car's value, making self-insurance more economical.
SR-22 Insurance
Not a coverage type but a certificate proving you carry state-minimum insurance, filed directly with the Virginia DMV by your insurer. Required after DUI, reckless driving, or driving uninsured convictions. The SR-22 filing itself costs $15–$25, but underlying premiums increase 60–120% due to the violation.