Virginia Car Insurance: Everything You Need to Know

Car insurance is a necessity for drivers in Virginia. Not only is it required by law, but it also provides financial protection in case of an accident or theft. However, navigating the world of car insurance can be overwhelming, with so many options and providers to choose from. In this article, we’ll break down everything you need to know about car insurance in Virginia.

Virginia Car Insurance Requirements

First and foremost, let’s discuss the minimum car insurance requirements in Virginia. According to the Virginia Department of Motor Vehicles (DMV), all drivers must have liability insurance, which covers damages and injuries you may cause to others in an accident. The minimum requirements are:

Coverage Type
Minimum Coverage Amount
Bodily Injury/Death of One Person
Bodily Injury/Death of Two or More People
Property Damage

It’s important to note that these are just the minimum requirements, and you may want to consider purchasing additional coverage for added protection.

What happens if you don’t have insurance?

If you are caught driving without insurance in Virginia, you may face fines, license and registration suspension, and even jail time. Additionally, if you are involved in an accident without insurance, you may be personally responsible for covering damages and injuries.

What factors affect your car insurance rates in Virginia?

Car insurance rates can vary widely based on a number of factors, including:

  • Your driving record
  • Your age and gender
  • The make and model of your vehicle
  • Your credit score
  • The amount of coverage you choose

It’s important to shop around and compare rates from multiple providers to ensure you’re getting the best deal for your unique situation.

Types of Car Insurance Coverage

While liability insurance is the minimum requirement in Virginia, there are many other types of coverage you may want to consider:

Collision coverage

This type of coverage pays for damages to your own vehicle in the event of a collision, regardless of who is at fault.

Comprehensive coverage

Comprehensive coverage covers damages to your vehicle caused by things like theft, vandalism, natural disasters, and more.

Uninsured/Underinsured motorist coverage

If you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover damages and injuries, uninsured/underinsured motorist coverage can help cover costs.


How can I get cheap car insurance in Virginia?

There are several ways to save money on car insurance in Virginia, including:

  • Shopping around and getting quotes from multiple providers
  • Increasing your deductibles
  • Opting for a lower amount of coverage (although this may not be the best option for everyone)
  • Taking advantage of discounts (such as safe driver discounts, multi-car discounts, and more)

Do I need to have insurance if my car is in storage and not being driven?

Yes, you are still required to have car insurance even if your vehicle is not being driven. However, you may be able to reduce your coverage to the minimum liability requirements if the car is not being used.

What should I do if I am involved in an accident?

If you are involved in an accident, the first priority is to ensure the safety of all involved parties. Next, exchange insurance information with the other driver(s) and document the scene with photos and witness statements if possible. Finally, report the accident to your insurance provider as soon as possible.

Can my insurance rates go up if I am involved in an accident?

Yes, being involved in an accident can often result in increased insurance rates, particularly if you were at fault. However, every insurance provider has their own policies and procedures for determining rates, so it’s important to talk to your specific provider for more information.

What if I can’t afford car insurance?

If you are struggling to afford car insurance, there are several options available. In Virginia, you may be eligible for the Virginia Automobile Insurance Plan (VAIP), which provides insurance coverage for high-risk drivers who are unable to obtain coverage through traditional providers. You may also want to consider adjusting your coverage amounts or shopping around for a more affordable provider.


Car insurance is an important aspect of driving in Virginia, and it’s crucial to understand the minimum requirements and available coverage options. By shopping around and comparing rates, you can find the best insurance policy to fit your unique needs and budget.