Virginia Auto Insurance Rates & Requirements
Virginia requires 50/100/25 liability coverage and is an at-fault state.
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Virginia at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Virginia operates as an at-fault state, meaning the driver responsible for an accident is liable for damages. Drivers who pay the fee remain personally liable for all damages and injuries they cause. According to the Virginia Department of Motor Vehicles, all vehicles registered in Virginia must maintain continuous proof of financial responsibility.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Cost Overview
about $93/mo
Average car insurance spending in Virginia
Rate data: NAIC Auto Insurance Database, 2023
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Compare Rates and Get CoveredFrequently Asked Questions
Is Virginia a no-fault state for car insurance?
No — Virginia is an at-fault state, meaning the driver who causes an accident is financially responsible for all resulting damages and injuries. The at-fault driver's liability insurance pays for others' medical bills and property damage, but Virginia has no caps on injury lawsuit awards. This system makes adequate liability limits critical, as you can be sued for amounts exceeding your policy limits and face personal asset seizure to satisfy judgments.
How long do I need SR-22 insurance in Virginia?
Virginia requires SR-22 filing for three years following serious violations like DUI, reckless driving by speed (20+ mph over limit), or driving without insurance. The Virginia DMV monitors SR-22 status electronically — if your policy lapses for even one day, your license is automatically suspended and the three-year period restarts from zero. You must maintain continuous coverage with no gaps throughout the entire three-year period.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others in an at-fault accident. Virginia's 25/50/20 minimum leaves you personally liable for costs above those limits — a serious multi-vehicle crash on I-95 or I-64 can generate $200,000+ in medical and property claims.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal liability and your own vehicle. Includes protection against theft, weather damage, vandalism, and crashes regardless of fault — essential for financed vehicles where lenders require comprehensive and collision.
Comprehensive Coverage
Pays for damage to your vehicle from non-collision events: theft, vandalism, fire, falling objects, animal strikes, and weather. Covers deer collisions, which occur at high rates across Virginia's rural corridors and Shenandoah region.
Collision Coverage
Covers damage to your vehicle when you hit another car, object, or overturn, regardless of who caused the accident. Pays your repair costs minus your deductible, protecting you from out-of-pocket expenses after crashes.
Uninsured Motorist Coverage
Protects you and your passengers when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Also covers hit-and-run accidents where the at-fault driver cannot be identified.
SR-22 Insurance
Not a separate coverage type but a certificate of financial responsibility filed with the Virginia DMV after serious violations like DUI, reckless driving, or driving without insurance. Requires continuous coverage for three years — any lapse triggers license suspension.