Virginia Car Insurance Laws (2024)
Virginia car insurance minimums are 25/50/20 for bodily injury and property damage liability coverage. The average Virginia car insurance rates are $86.67/mo, which places Virginia car insurance cost below average. Use our free comparison tool below to shop around for Virginia car insurance quotes in your area.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Dec 29, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 29, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The state of Virginia has minimum insurance requirements that every motor vehicle policy must meet or exceed, however, there is an option for those who choose not to purchase insurance as well. While there is still a requirement for financial responsibility, the law allows the uninsured driver to take that responsibility upon themselves by signing a document and paying a fee.
Below we will discuss Virginia car insurance laws in detail and help you find the best auto insurance companies with the cheapest rates to meet Virginia car insurance requirements. If you’d like to get free Virginia car insurance quotes right now, enter your ZIP code above.
Virginia Minimum Car Insurance
The majority of Virginia drivers carry an auto insurance policy to provide for financial responsibility in the event of an accident. The legal minimum available for an auto insurance policy includes liability coverage as well as coverage for incidents with uninsured motorists.
- Bodily Injury Liability – Bodily injury liability coverage must provide at least $25,000 to pay for bodily injury or death of a single person in an accident, and at least $50,000 for bodily injury or death to more than one person in a single accident.
- Property Damage Liability – $20,000 in this auto insurance coverage is required to pay for any damage caused to another vehicle or to any personal property belonging to another person in the event of an accident.
- Uninsured/Underinsured Motorist – A minimum amount of coverage, matching the liability limits of $25,000 per person, $50,000 per incident for bodily injury, and $20,000 for property damage are required for uninsured motorist coverage in Virginia. This pays for injuries and damages to you, your passengers, and your property in the event that you are involved in an accident with a driver who does not have insurance or whose limits are too low to cover all damages.
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Uninsured Motorist Vehicle Fee in Virginia
Drivers in Virginia can also choose to opt out of car insurance and instead pay an Uninsured Motorist Vehicle fee to the DMV. This fee allows the vehicle to be driven without insurance. This $500 fee is paid yearly and requires the driver to accept all responsibility for financial losses incurred in an at-fault accident. Every vehicle that is not insured must be certified through this system, or face penalties.
Currently, Virginia allows surety bonds and self-insurance as alternatives to an insurance policy for business-owned vehicles.
Optional Insurance in Virginia
There are a number of insurance options Virginia drivers can add to increase coverage and provide better financial protection from the high cost of auto accidents. In addition to adding options, Virginia drivers can choose to increase liability limits above the required minimum, a common choice given the risk of a costly claim in the event of a serious accident. Also available as options:
- Collision Coverage – This option provides benefits to pay for damage to your vehicle in an accident that is not covered by another driver’s liability insurance, usually because the owner is the at-fault driver in the collision. This coverage also applies to single-vehicle accidents where there is no other driver, such as backing into an object.
- Comprehensive Coverage – This provides coverage for any damage or loss that does not result from a collision. This includes things like water damage, fire, theft, or vandalism.
- Medical Expenses/Loss of Income – These two coverage options pay for medical bills incurred by you or anyone else riding in or driving your car after an accident, or anyone covered under your policy as a pedestrian, as well as for loss of income as a result of an accident.
- Rental Reimbursement/Loss of Use – This option helps to pay for a rental car when the insured vehicle is being repaired under a covered loss.
Proof of Insurance Requirements in Virginia
Virginia tracks auto insurance policies through an electronic verification system to which all new policies, cancellations, and renewals are reported directly by insurance agencies. When a policy is canceled and no new policy is reported to replace it, the DMV will send out a letter to the owner requesting that they verify the insurance information or provide proof of sale or non-operational status of the vehicle.
Failure to carry insurance, unless the uninsured motor vehicle fee has been paid, will result in the suspension of the vehicle registration and the plates as well as the suspension of the owner’s license. Suspensions remain in place until the driver pays a $500 fee to the Uninsured Motorist Fund, obtains new insurance, and pays any other reinstatement fees that are applicable.
Virginia requires drivers caught without insurance to file an SR-22, which is a document proving financial responsibility, for three years following the infraction. Insurance companies file this form to prove that the driver is meeting financial responsibility requirements, and if the insurance policy is canceled, the insurance company will file another form informing the authorities of the lapse.
There is no Virginia car insurance grace period. You need coverage at all times.
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Buying Car Insurance in Virginia
Virginia car insurance cost is among the lowest in the nation according to an Insure.com study in 2017 of auto insurance rates, ranking at number 44 in the nation. The average annual rate based on the study sample was $1040, less than half of what drivers pay in the most expensive state, Michigan.
The Virginia Bureau of Insurance provides an insurance company lookup on their website that allows consumers to find information about the various companies doing business in the state, a helpful tool for shopping for insurance.
Average rates in Virginia are competitive, with each insurance company rating auto policies based on their own standards. Among the factors, Virginia insurance companies use are your age, driving record, type of vehicle, and use of the vehicle. Virginia law also allows the use of credit scores as part of the insurance rating process.
Read more: Best West Virginia Car Insurance.
High-Risk Drivers in Virginia
Like most states, Virginia uses an assigned risk program to help high-risk drivers obtain auto insurance. High-risk drivers are those who are unable to obtain insurance on the open market due to a driving record that does not meet the standards of most insurance companies for underwriting. To an auto insurance provider, a less than desirable driving history is essentially the same thing as a bad driving record.
The Virginia Assigned Risk Insurance Plan will assign drivers to an insurance company, which is then required by law to provide a policy. This allows insurance companies to spread out the risk of insuring a driver with a high-risk record and allows all drivers to meet the legal minimums for auto insurance.
Teen Drivers in Virginia
Virginia’s graduated driver licensing program puts teen drivers through several stages, each with different rules and restrictions, in order to teach safe driving techniques over time. The program begins at 15 years and 6 months old and ends at the age of 18 with a full license.
Learner’s Permit
At 15 years and 6 months old, teens in Virginia can take the 2- part knowledge test to obtain a learner’s permit. During this process, teens will complete and pay fees for both the permit and the license to follow.
With the learner’s permit, you may drive accompanied by a supervising driver 21 and over, or a driver 18 or over who is a legal guardian or sibling.
Learner’s permit holders may not:
- Carry more than one passenger under the age of 18 except for family members
- Drive between midnight and 4 a.m.
- Use a cell phone, even hands-free, while driving
Restricted License
In order to obtain a restricted license, you must be at least 16 years and 3 months old, and have completed/passed:
- 9 months with a learner’s permit
- A state-approved driver training course including classroom and in-vehicle instruction
- 45 hours of driving practice with at least 15 hours at night
- A road skills test
Drivers under 18 are subject to several restrictions designed to keep them safe on the roads. These restrictions are:
- You may not drive between midnight and 4 a.m., except for employment purposes or any other approved activity, in an emergency, or if there is a parent, guardian, spouse or acting in loco approved driver over 18 in the passenger seat.
- You may not have more than one passenger under the age of 21 in the vehicle during the first year unless accompanied by an approved driver over 18. Family members are an exception.
- After the first year, you may carry no more than three passengers under 21 only for the purpose of school-sponsored activities, unless an approved driver over 21 is in the passenger seat or it is an emergency. Family members are an exception.
- You may not use a cell phone, even hands-free while driving.
Full License
At 18 years old all of the driving restrictions are lifted and Virginia teens will graduate to the full, unrestricted license.
Teens in Virginia must comply in full with all of the financial responsibility laws, meaning they must have automobile insurance as soon as they obtain a driver’s license. Most teens are covered under the policy of a parent or guardian – they must be added to the policy by contacting the insurance company – while they live at home. Teens away at school can continue to be covered under a parent or guardian’s insurance policy until they establish their own permanent residence away from home.
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Frequently Asked Questions
What are the minimum car insurance requirements in Virginia?
In Virginia, the minimum car insurance requirements are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
Is car insurance mandatory in Virginia?
Yes, car insurance is mandatory in Virginia. All drivers must carry a minimum amount of liability insurance to legally operate a vehicle in the state.
What is the penalty for driving without insurance in Virginia?
Driving without insurance in Virginia can result in penalties such as fines, license suspension, vehicle impoundment, and the requirement to file an SR-22 certificate of financial responsibility.
What is an SR-22 certificate of financial responsibility?
An SR-22 certificate is a document that proves a driver has the required amount of car insurance liability coverage. In Virginia, it may be required for drivers who have been convicted of certain violations or have their license reinstated after a suspension.
Can I use a digital copy of my insurance card in Virginia?
Yes, Virginia law allows drivers to present electronic proof of insurance on a mobile device, such as a smartphone or tablet, if requested by law enforcement or other authorities.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.