Virginia Car Insurance
The average Virginia driver pays $1,290/year for full coverage and $430/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.
Compare Virginia quotes →At a glance
- Avg. full coverage
- $1,290 / year
- Avg. minimum coverage
- $430 / year
- State minimum
- 30/60/20
- No-fault state?
- No
- PIP required?
- No
- UM/UIM required?
- Yes
Virginia Minimum Coverage Requirements
The minimum auto insurance coverage required to legally drive in Virginia is:
30/60/20
$30K bodily injury per person, $60K per accident, $20K property damage
These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.
Top Car Insurance Carriers in Virginia
By market share, these carriers write the most policies in Virginia:
- 1State Farm
- 2GEICO
- 3Allstate
- 4USAA
- 5Progressive
Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.
What's different about Virginia
Until 2024, VA allowed uninsured driving with a fee — now requires coverage. USAA strong near military bases.
Compare Virginia car insurance quotes
See rates from multiple top carriers side-by-side. Free, takes five minutes, no spam phone calls.
Get my quotes →Other states
Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.