| City | Rates |
|---|---|
| Alexandria | $66 |
| Arlington | $68 |
| Chesapeake | $60 |
| Hampton | $58 |
| Newport News | $57 |
| Norfolk | $64 |
| Richmond | $65 |
| Roanoke | $55 |
| Virginia Beach | $62 |
| Williamsburg | $59 |
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Virginia Car Insurance Requirements in 2025 (Minimum Coverage in VA)
Virginia car insurance requirements mandate 30/60/20 in liability coverage—$30,000 for bodily injury per person, $60,000 per accident, and $20,000 for property damage. Drivers can find affordable Virginia car insurance, with monthly rates starting as low as $25.
UPDATED: May 8, 2025Fact Checked
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
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UPDATED: May 8, 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 company and cannot guarantee quotes from any single insurance company.
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 above 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: May 8, 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 company and cannot guarantee quotes from any single insurance company.
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 above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
UPDATED: May 8, 2025Fact Checked
Virginia car insurance requirements mandate 30/60/20 liability coverage: $30,000 for bodily injury per person, $60,000 per accident, and $20,000 for property damage.
These limits ensure drivers can cover basic injury and damage costs in an at-fault accident. Drivers must also carry uninsured/underinsured motorist coverage with the same minimums.
Virginia Car Insurance Minimum Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $30,000 per person / $60,000 per accident |
| Property Damage Liability | $20,000 per accident |
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It also covers penalties for noncompliance and options, such as paying a $500 UMV fee if you choose not to opt out of traditional coverage.
The Rundown
- Virginia requires 30/60/20 liability plus UI/UIM coverage
- Collision and comprehensive coverage also cover vehicle damage
- Proof of insurance is required; violations may lead to $500 fees and SR-22 filings
To get the best Virginia car insurance, enter your ZIP code and compare the most affordable options near you. Rates vary, so the best way to meet Virginia car insurance requirements is to compare multiple rates.
Virginia Minimum Coverage Requirements & What They Cover
Virginia requires the following minimum liability coverage:
- $25,000/$50,000 for bodily injury
- $20,000 for property damage
Also required:
- $25,000 / $50,000 for uninsured/underinsured bodily injury
- $20,000 for uninsured/underinsured property damage
Additional insurance coverage can include:
- Comprehensive and collision coverage
Comprehensive and collision insurance covers repairs or replacement if your vehicle is damaged.
Collision car insurance applies to accident-related damage. Comprehensive coverage covers non-collision events, such as fire or theft.
Virginia car insurance requirements include 30/60/20 liability, plus uninsured motorist, and optional comprehensive and collision coverage.
Kristine Lee Licensed Insurance Agent
Coverage is recommended even if your car isn’t on Virginia’s list of most stolen vehicles.
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Cheapest Car Insurance Options in VA
The cheapest car insurance in Virginia is offered by USAA, Progressive, and State Farm, with rates starting at $18 per month.
Cheapest in Virginia: USAA
6,589 reviewsCompany Facts
Min. Coverage in Virginia
$18/mo
A.M. Best Rating
A++
Complaint Level
High
Pros & Cons
6,589 reviews2nd Cheapest in VA: Progressive
13,283 reviewsCompany Facts
Min. Coverage in Virginia
$26/mo
A.M. Best Rating
A+
Complaint Level
Low
Pros & Cons
13,283 reviews3rd Cheapest in VA: State Farm
18,154 reviewsCompany Facts
Min. Coverage in Virginia
$27/mo
A.M. Best Rating
A++
Complaint Level
Low
Pros & Cons
18,154 reviewsThe lowest rates are usually for minimum liability insurance policies that meet Virginia’s 30/60/20 limits. Car insurance discounts, driving history, and coverage choices affect your final premium. The table below shows monthly minimum coverage car insurance rates by city in Virginia.
Roanoke has the cheapest minimum coverage rate in Virginia at $55 per month.
The table below displays monthly car insurance rates in Virginia categorized by age and gender.
Car Insurance Monthly Rates in Virginia by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 65 Female | Age: 65 Male |
|---|---|---|---|---|---|---|---|---|
 | $237 | $238 | $174 | $165 | $174 | $165 | $174 | $165 |
 | $144 | $170 | $131 | $132 | $131 | $132 | $131 | $132 |
 | $203 | $212 | $160 | $160 | $160 | $160 | $160 | $160 |
 | $154 | $161 | $154 | $161 | $115 | $111 | $115 | $111 |
 | $227 | $261 | $203 | $206 | $203 | $206 | $203 | $206 |
 | $161 | $177 | $136 | $137 | $136 | $137 | $136 | $137 |
 | $135 | $139 | $135 | $139 | $102 | $97 | $102 | $97 |
 | $122 | $141 | $101 | $101 | $101 | $101 | $101 | $101 |
 | $129 | $140 | $116 | $117 | $116 | $117 | $116 | $117 |
 | $97 | $107 | $70 | $69 | $70 | $69 | $70 | $69 |
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Rates may vary depending on age and gender, with younger drivers and males typically paying more for coverage.
The table below outlines monthly car insurance rates in Virginia based on provider and driving record.
Car Insurance Monthly Rates in Virginia by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $168 | $217 | $270 | $246 |
| $135 | $157 | $204 | $224 |
| $163 | $203 | $232 | $227 |
| $113 | $113 | $176 | $310 |
| $211 | $257 | $285 | $380 |
| $140 | $169 | $140 | $246 |
| $99 | $132 | $166 | $132 |
| $103 | $113 | $122 | $113 |
| $120 | $163 | $168 | $250 |
| $71 | $84 | $98 | $131 |
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Rates may vary depending on each provider’s policies and the driver’s record, including any history of violations or accidents.
Consequences of Driving Without Insurance in Virginia
Failure to meet Virginia car insurance requirements or show proof of insurance results in penalties and fees.
If you are unable to show proof of insurance, you can face the following penalties:
- Suspended registration
- Statutory fee of $500 and reinstatement fees
- Requirement to submit an SR-22 for 3 years
Learn how to find the best car insurance companies and avoid penalties in Virginia for not having proof of insurance.
Proof of Insurance and Financial Responsibility
Proof of insurance and financial responsibility:
- Get a standard liability car insurance policy
- Pay a $500 Uninsured Motor Vehicle (UMV) fee (valid 12 months, no coverage)
- Other options apply only to non-consumer vehicles
Need to meet Virginia car insurance requirements? Proof of insurance isn’t enough—you’re also responsible for covering costs if you’re at fault.
Read More: Best Car Insurance in Your State
Check Reddit’s tip: Google “independent insurance agency Richmond, VA,” read reviews, and call a few. You’ll deal with agents more than the insurance companies.
Each agency offers different rates. Don’t settle—compare options and make sure your coverage meets Virginia car insurance laws and financial responsibility requirements.
Required Documentation
To provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Evidence of currently paid UMV
Check USAA’s website to upload proof of insurance or access your digital ID card.
Keep it available when driving, registering, or after an accident.
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- When registering your vehicle
- After an accident
- Anytime you are operating a vehicle
Virginia car insurance requirements mandate carrying proof of insurance, like an ID card or UMV receipt, and presenting it when driving, registering, or after accidents.
Chris Abrams Licensed Insurance Agent
Meeting Virginia car insurance requirements for uninsured motorist coverage means carrying at least 30/60/20 liability limits and matching uninsured motorist coverage.
Compare rates by ZIP code to find the best rates. Optional coverage, like collision and comprehensive, can offer added protection. Maintain proof of insurance to avoid fines, fees, and license issues.
Get the minimum car insurance coverage in Virginia to drive legally by entering your ZIP code into our free quote comparison tool.
Virginia Insurance Agents
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Frequently Asked Questions
What are the minimum car insurance requirements in Virginia?
Virginia mandates 30/60/20 liability coverage: $30,000 per person, $60,000 per accident for bodily injury, and $20,000 for property damage.
Is uninsured/underinsured motorist coverage required in Virginia?
Yes, Virginia requires uninsured/underinsured motorist coverage with the same minimum limits as minimum VA car insurance coverage.
Can I use car insurance from another state in the state of Virginia?
No, Virginia residents must have car insurance that meets the state’s minimum coverage requirements.
What is the Uninsured Motor Vehicle (UMV) fee in Virginia?
Drivers can pay a $500 annual UMV fee to drive legally without insurance, but it does not offer any coverage.
What are the penalties for driving without insurance in Virginia?
Penalties for not meeting Virginia car insurance requirements for SR-22 include a $500 fine, suspended registration, and a three-year requirement to file an SR-22.
Is personal injury protection (PIP) required in Virginia?
No, PIP is not required in Virginia, but drivers may opt for medical payments coverage for additional protection.
How can I provide proof of insurance in the state of Virginia?
Drivers can pay a $500 annual UMV fee to drive legally without insurance, but it does not provide any coverage, as per Virginia’s car insurance requirements for the UMV fee.
Can my car insurance policy be canceled in the state of Virginia?
Yes, insurers can cancel policies for reasons such as nonpayment or fraud, provided they give the policyholder prior notice.
How do I file a complaint against my car insurance company in Virginia?
You can file a complaint with the Virginia Bureau of Insurance for investigation and resolution.
What optional coverages are available in the state of Virginia?
Optional coverages include collision, comprehensive, medical payments, and rental reimbursement. No matter how much coverage you need, you can find the lowest rates by entering your ZIP code into our free comparison tool.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
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.