What is the minimum auto insurance required in Virginia?

The minimum auto insurance required in Virginia includes $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $20,000 for property damage.

How can I lower my auto insurance premium?

You can lower your auto insurance premium by maintaining a clean driving record, increasing your deductibles, taking advantage of discounts offered by insurers, and comparing quotes regularly.

Can I switch providers mid-policy?

Yes, but make sure your new policy starts before the old one is canceled to avoid a coverage gap.

Key Auto Insurance Insights for Virginia Residents

Q: How often should I review my policy?

Review your auto insurance policy at least once a year, or whenever your circumstances change—such as moving or getting a new vehicle.

Auto insurance in Virginia isn’t just a legal checkbox—it’s a critical layer of protection for your finances, your family, and your car. As rates and rules change each year, it’s worth taking a fresh look at your coverage. Many locals find that spending a few minutes on comparison sites saves far more than they expected—especially when you know what coverage matters most in Virginia. For a national view, see our top auto insurance provider comparison.

From my own review of Richmond auto policies last month, I noticed that entry-level premiums start as low as $39/month—if you know where to look and which features to prioritize.

Understand Your Coverage Choices

Navigating car insurance in Virginia can seem complicated. While the state requires minimum liability, most drivers choose to add more. Extra coverage helps with weather claims, theft, and accidents. Unsure where to begin? Start with our car insurance coverage guide for clear breakdowns.

Compare Virginia Auto Insurance by ZIP Code

Instantly compare rates and coverage by ZIP code.

Auto Insurance Essentials for Virginia Residents

Why Consider More Than Just the Minimum?

Virginia’s minimum coverage—$25,000 per person and $50,000 per accident for bodily injury, plus $20,000 property damage—meets the law but may not cover a serious claim. Many residents opt for additional protection.

For example, adding:

Collision — Covers damage to your own vehicle in an accident.
Comprehensive — Helps if your car is stolen, vandalized, or hit by hail.
Uninsured Motorist — Important protection, as some Virginia drivers have insufficient insurance.

Want the most affordable rates? Browse cheap insurance options designed for VA residents.

What Affects Your Premium?

Insurers weigh several factors to set your premium:

Your driving history and age
Your ZIP code and location-specific risks
The value and safety features of your vehicle
Your credit score (in most cases)

To quickly find your best deal, use our engine to compare cheap insurance quotes from multiple providers.

Thinking About Switching Insurers?

If your current provider is too expensive or lacks service, you can switch any time—just ensure your new policy is active before you cancel the old one. Not sure how to start? Read our step-by-step guide on switching car insurance providers.

FAQ: Virginia Auto Insurance

What’s the legal minimum coverage in VA?
Virginia law requires $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage.

How do I lower my insurance premium?
Maintain a clean driving record, increase your deductible, bundle with home insurance, and always ask about available discounts.

How often should I review my policy?
Annually, or whenever your situation changes—such as buying a new car or moving to a new address.

Can I switch companies mid-policy?
Yes, as long as your new coverage begins before the old one ends. Avoid gaps to stay protected.

Where do I compare providers?
Visit our auto insurance provider list or check live Virginia auto insurance rates by ZIP code for the latest deals.