Compare car insurance quotes in Virginia using the same driver, vehicle, coverage limits, and deductibles so the prices are meaningful. Virginia requires liability insurance and uninsured/underinsured motorist coverage, and the state eliminated its old uninsured-motor-vehicle fee option in 2024. Rates can vary significantly by driver profile, garaging location, vehicle, credit-based insurance score where used, coverage selections, and carrier, so shopping multiple insurers is the most reliable way to identify affordable Virginia car insurance for your situation.
Comparing auto insurance in Virginia is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Virginia premiums are influenced by dense Northern Virginia and Hampton Roads traffic, long I-95 and I-81 travel corridors, rural roads, weather losses, and local claim frequency. Virginia DMV's 2025 Traffic Crash Facts reports 115,858 crashes, 825 fatalities, and 74,194 injuries statewide. It also reports 22,529 speed-related crashes and 342 speed-related fatalities in 2025.
Virginia car insurance rates can differ substantially between Northern Virginia, Richmond, Hampton Roads, Charlottesville, Roanoke, Lynchburg, college towns, mountain counties, coastal communities, suburbs, and rural areas. Insurers can consider factors such as garaging location, driving history, household drivers, annual mileage, vehicle characteristics, coverage selections, deductibles, claims experience, and credit-related information where permitted. Compare the same limits and deductibles across multiple carriers rather than assuming a statewide average is your expected price.
50/100/25 + UM/UIM
$50,000 bodily injury or death liability per person, $100,000 bodily injury or death liability per accident, $25,000 property damage liability per accident, plus uninsured/underinsured motorist coverage with limits not less than Virginia's statutory minimums for policies effective on or after January 1, 2025
At Fault
Not required
Virginia does not require personal injury protection (PIP) for standard private passenger auto policies. The Virginia SCC describes medical expense benefits and loss-of-income benefits as optional first-party coverages that can pay qualifying expenses regardless of fault.
Required UM/UIM
Virginia auto policies must include uninsured/underinsured motorist coverage with limits not below the requirements of Code of Virginia Section 46.2-472, which are currently 50/100/25 for policies effective on or after January 1, 2025. Under Section 38.2-2206, UM/UIM limits generally equal the policy's liability limits unless a named insured rejects the additional amount above the statutory minimum as permitted by law.
Recent rate data estimates Virginia annual auto insurance premiums at about $2,065 ($172/month) for full coverage and $758 ($63/month) for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Virginia average, state-minimum coverage | ~$758/yr (~$63/mo) |
| Virginia average, full coverage (100/300/100, $500 deductibles) | ~$2,065/yr (~$172/mo) |
| Lowest sampled minimum-coverage option in NerdWallet analysis | Virginia Farm Bureau ~$33/mo |
| Lowest sampled full-coverage option in NerdWallet analysis | Virginia Farm Bureau ~$940/yr (~$78/mo) |
Forbes Advisor 2026 state-rate analysis using Quadrant Information Services data. Virginia averages are about $2,065 per year ($172/month) for full coverage and $758 per year ($63/month) for state-minimum coverage. Unless otherwise noted, Forbes bases full-coverage rates on a 40-year-old female driver insuring a new Toyota RAV4 with 100/300/100 liability, 100/300 uninsured motorist coverage, and $500 comprehensive/collision deductibles; minimum-coverage rates reflect each state's legal minimum.
Source: Forbes Advisor 2026
Average premiums are modeled estimates, not quotes. Actual Virginia car insurance rates vary by driver profile, driving history, garaging location, vehicle, annual mileage, credit-based insurance score where permitted, coverage limits, UM/UIM selections, deductibles, discounts, claims history, prior insurance, and carrier. Different rate studies can produce materially different averages because they use different drivers, vehicles, limits, deductibles, insurers, and data sources.
Virginia minimum coverage focuses on required protection such as $50,000 bodily injury or death liability per person, $100,000 bodily injury or death liability per accident, $25,000 property damage liability per accident, plus uninsured/underinsured motorist coverage with limits not less than Virginia's statutory minimums for policies effective on or after January 1, 2025. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Virginia law does not require a policy called full coverage. The state requires liability and UM/UIM coverage, while collision and comprehensive are optional under state law. A lender or leasing company may require collision and comprehensive on a financed or leased vehicle. When comparing full coverage insurance in Virginia, keep liability limits and deductibles consistent between quotes.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Virginia uses SR-22 financial-responsibility certification for specified convictions and reinstatement situations, including uninsured-vehicle suspensions, failure to provide proof of insurance associated with insurance monitoring, falsifying insurance certification, unsatisfied judgments, and certain serious license suspensions. For an uninsured-vehicle noncompliance suspension, Virginia DMV requires the owner to maintain an SR-22 for three years. An SR-22 is a filing made by an insurer to DMV; it is not a separate insurance policy.
Virginia also uses FR-44 financial-responsibility certification after certain alcohol- or drug-related convictions, including DUI and maiming while under the influence. DMV states that FR-44 liability limits are double the SR-22 limits set by Section 46.2-472. With Virginia's current 50/100/25 statutory limits, that means a 100/200/50 FR-44 minimum for applicable filings. An FR-44 is a certification, not a separate type of policy.
If no insurer in Virginia's voluntary market will insure a driver, the Virginia SCC says the driver may apply through a licensed insurance agent for coverage assigned through the Virginia Automobile Insurance Plan. This is an assigned-risk mechanism for drivers who cannot obtain voluntary coverage, not a low-income insurance subsidy. Drivers only need to remain in the Plan until they can obtain coverage in the regular market.
Source: Virginia State Corporation Commission
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Virginia auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Virginia drivers, including:
Virginia drivers should ask about insurer-specific safe-driver, low-mileage, multi-car, bundling, good-student, anti-theft, safety-feature, telematics, and payment discounts. Virginia law also requires insurers to provide a premium reduction to qualifying drivers age 55 or older who successfully complete a DMV-approved motor vehicle accident-prevention course; the SCC says the qualification is valid for three years after course completion, while each insurer determines the amount of the reduction.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | State Farm Mutual Automobile Insurance Company | 16.10% |
| 2 | Allstate Property and Casualty Insurance Company | 5.90% |
| 3 | United Services Automobile Association | 5.72% |
| 4 | Progressive Advanced Insurance Company | 5.41% |
| 5 | USAA Casualty Insurance Company | 4.51% |
| 6 | Erie Insurance Exchange | 4.40% |
| 7 | GEICO Advantage Insurance Company | 4.24% |
| 8 | Integon General Insurance Corporation | 3.81% |
| 9 | GEICO Secure Insurance Company | 3.53% |
| 10 | Progressive Universal Insurance Company | 3.44% |
Source: Virginia State Corporation Commission 2024
Carrier rankings are based on the Virginia State Corporation Commission Licensed Private Passenger Auto Writers in Virginia in 2024 report, with data reported as of June 1, 2025. The source ranks individual licensed insurer companies rather than consolidated consumer-facing groups, so affiliates of GEICO, USAA, Progressive, Allstate, and other groups can appear separately. These market shares are company-level context, not quote recommendations.
Find auto insurance in these major Virginia cities:
Forbes Advisor's 2026 state-rate analysis estimates Virginia car insurance at about $2,065 per year ($172 per month) for full coverage and $758 per year ($63 per month) for state-minimum coverage. These are modeled statewide benchmarks, not quotes. Your premium can differ based on driving history, garaging location, vehicle, mileage, coverage limits, UM/UIM choices, deductibles, discounts, credit-based insurance score where permitted, prior insurance, and carrier.
For policies effective on or after January 1, 2025, Virginia requires at least 50/100/25 liability coverage: $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death of two or more people, and $25,000 for property damage. Virginia policies must also include uninsured/underinsured motorist coverage with limits not below the statutory minimum.
Yes. Virginia eliminated the former option to pay an Uninsured Motor Vehicle fee instead of carrying insurance on July 1, 2024. Vehicles registered in Virginia must now maintain insurance that meets the state requirements, unless another lawful financial-responsibility mechanism specifically applies.
No. Virginia law requires liability and uninsured/underinsured motorist coverage, but it does not require a policy called full coverage. Collision and comprehensive are optional under state law, although a lender or leasing company may require them on a financed or leased vehicle.
PIP is not required in Virginia. Optional medical expense and loss-of-income benefits are available. UM/UIM coverage is required and cannot be below Virginia's statutory minimum limits. UM/UIM generally matches the policy's liability limits unless the named insured rejects the additional amount above the minimum as permitted by Virginia law.
No. Virginia eliminated the Uninsured Motor Vehicle fee option effective July 1, 2024. The old fee no longer allows a vehicle owner to register and drive uninsured. Registered vehicles now must maintain qualifying insurance coverage.
Virginia DMV says uninsured vehicle owners can have their driving and registration privileges suspended. For an uninsured-vehicle noncompliance order, reinstatement generally requires a $600 statutory fee, an SR-22 filing maintained for three years, and any applicable reinstatement fee. Eligible owners may qualify for a DMV payment plan for the statutory fee, but they still must satisfy the financial-responsibility requirements.
Virginia uses both filings. SR-22 certification is required in specified financial-responsibility and reinstatement situations, including some uninsured-vehicle suspensions. FR-44 certification applies after certain DUI and related alcohol- or drug-involved convictions and requires liability limits double the SR-22 limits. With current Virginia minimums, the applicable FR-44 minimum is 100/200/50. Neither filing is a separate insurance policy.
The Virginia Automobile Insurance Plan is the state's assigned-risk mechanism for drivers who cannot obtain auto insurance from companies in the voluntary market. The Virginia SCC says a driver can apply through a licensed insurance agent and be assigned to an insurer. It is not a low-income subsidy, and drivers can leave the Plan once they qualify for coverage in the regular market.
Same-day coverage may be available from some insurance partners if you qualify, choose a policy, complete the application, and make any required initial payment. The effective date and time depend on the insurer and policy terms.
Compare Virginia car insurance quotes using identical limits and deductibles, maintain continuous coverage and a clean driving record, and ask about safe-driver, low-mileage, multi-car, bundling, good-student, anti-theft, vehicle-safety, telematics, and payment discounts. Drivers age 55 or older should also ask about the required premium reduction available after completing a DMV-approved accident-prevention course.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
