Virginia car insurance

When you drive through Richmond, Roanoke, or Chesapeake, you can rely on affordable car insurance from Progressive. Learn more about coverages the state requires, how you can save on your car insurance, and find easy ways to get a car insurance quote in Virginia.

3 min to read

Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Virginia's minimum auto insurance requirements?

Drivers in Virginia are required to have auto liability coverage (BI liability and PD liability), and uninsured/underinsured motorist (UM/UIM) coverage at the following minimum car insurance limits:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$30,000 per person $60,000 per accident
Property damage liability	What it coversDamage you cause to other people's property in an accident	Minimum amount$20,000 per accident
UM/UIM bodily injury	What it coversYour medical expenses an uninsured or underinsured driver causes	Minimum amount$30,000 per person $60,000 per accident

While these are Virginia's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Virginia a no-fault state?

No. Virginia is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Virginia?

The average cost of a six-month liability-only policy from Progressive in a medium-cost state like Virginia is $105.36 per month.^* Keep in mind that rates vary based on a variety of factors, including your driving history, ZIP code, plus the limits and coverages you select. Learn the factors that impact car insurance rates.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.^† Get an auto insurance quote today.

What is the best car insurance in Virginia?

Finding the best car insurance in Virginia means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Virginia get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.^**

If you're looking for the cheapest car insurance in Virginia, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

Allstate customers who switch and save with Progressive save $920 on average^††
GEICO customers who switch and save with Progressive save $757 on average^§
State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Virginia?

To lower your car insurance cost in Virginia, you may qualify for the following discounts through Progressive:

Multi-policy
Distant student
Multi-car
Teen driver
Five-year accident-free
Paperless
Online quote

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Virginia is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.^†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Virginia's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator to find which ones are best for you.

Virginia driving resources

Whether you're in Arlington or Alexandria, get to know Virginia's driving laws and resources. Local municipalities may have additional laws and resources.

Virginia Department of Motor Vehicles: Find out how to get or renew your Virginia license and registration.
Virginia traffic laws: Review Virginia's traffic and parking regulations.
Virginia driving FAQs: Get answers to your frequently asked questions about the DMV. Learn about getting or renewing a driver's license, REAL ID, active military DMV requirements, and driver education requirements.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.