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Minimum State Insurance Requirements » Virginia

25 / 50 / 20[8]

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $20[8],000



Virginia Car Insurance Information

Anyone looking for up-to-date Virginia car insurance information has come to the internet’s most comprehensive site on the subject. Important information about insurance companies operating in the state and the process of obtaining a quote and policy as well as insurance statistics including average premiums, minimum coverage requirements, and information on the number of uninsured Virginia drivers can be found here.

Virginia Car Insurance Information

Virginia is a big state characterized by several distinct regions. In the suburban north, a rapidly growing population continues to strain the region’s roads and cause problems for local drivers, while southeastern Virginia’s marshy landscape necessitates the use of bridges and tunnels that present their own driving headaches. The rural western part of the state is mountainous and colder, and its potholed, icy roads are a hassle for the many tourists that visit each year.

Despite these difficulties, Virginia offers the most affordable car insurance rates in the country. Local drivers pay an average of $878 per year for no-fault insurance that protects the rights of policyholders in the event of an accident whether or not they were at fault. The affordability of its insurance may contribute to Virginia’s low proportion of uninsured drivers: at 11 percent, the state is well below the national average.

Car Insurance Minimum Requirements

Virginia state law requires drivers to carry a minimum coverage level of 25/50/10, where each number is a multiple of a thousand dollars. The first figure denotes the policyholder’s per-person injury liability, the second denotes their per-accident injury liability, and the third denotes their liability for property damage caused by an accident in which they were involved. This minimum coverage level is typical of other states, with about half of the country requiring higher minimums.

Car Insurance Companies

There are dozens of car insurance companies currently operating in Virginia. The state’s wide variety of companies, from small-town independent agencies to national names, may be responsible for its relatively affordable rates. It’s no doubt also due to the continuous influx of new drivers into Virginia as the state’s population grows faster than the national average. Virginia’s no-fault policy and manageable coverage minimums also have likely contributed to its low rate of uninsured drivers.

Free Car Insurance Quotes For Virginia

Finding a free Virginia car insurance quote is easy at! No one else knows Virginia car insurance like the folks at this site. Each region of the state is unique, but they know the place like the back of their hand, and they’ve helped thousands of drivers find the best deals on insurance in their area. Discover a better way to get car insurance in the most affordable state in the nation!

Car Insurance Rates

Thanks to favorable policies, safe drivers and a low number of uninsured, Virginia car insurance is consistently the most affordable in the nation at $878 per year on average. Drivers who move from elsewhere are often amazed by these rates. Find free quotes at and start saving in Virginia!