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VIRGINIA
AUTO INSURANCE

The Old Dominion State

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Virginia Auto Insurance

Virginia played host to more than half of the battles during the Civil War. And while Virginians may not have to worry about property damage resulting from such battles anymore, they must still protect themselves from modern dangers like weather extremes, collisions and other kinds of accidents that could cause serious damage to their vehicles.

Auto Insurance rates in Virginia can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help! We’re happy to share our network and our knowledge with you, so you can get the coverage you’re looking for at a price you’re comfortable paying.

Use our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select, and you’ll be ready to choose from our top-rated affordable carriers.

Required Auto Insurance in Virginia

Virginia drivers are required by law to meet the minimum Liability Insurance coverage requirements, or they must prove that they are financially able to cover losses resulting from an accident. If you were the cause of an accident, Liability Insurance would pay for damages (up to the policy’s limits) of the other cars and people involved. Liability coverage only assists you with the costs for others involved in an accident, so it won’t compensate for injuries to you or damages to your vehicle.

State Minimum Liability Coverage in Virginia

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $20,000 per accident

State Minimum Uninsured/Underinsured Motorist Coverage in Virginia

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $20,000 per accident


To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Virginia

Virginia drivers only need the minimums listed above to drive legally in the state, but it’s important to consider other factors that would make additional options, and higher limits, a smart decision.

Below are some examples of optional coverages you may want to consider:

  • Collision Coverage*: After an accident involving other vehicles, Collision coverage helps pay for repairs to your car, up to your policy’s limits. The national average repair costs following a collision are nearly $3,000! Without Collision coverage, those costs could be yours to cover.
  • Comprehensive Coverage*: For accidents that don’t involve other vehicles, this coverage helps with damages caused by something other than a car collision. This may include hail dents, fire damage, flood and tornadoes.
  • Higher Bodily Injury Limits: After an accident, injuries can range from minor to extensive. Either way, somebody must pay for hospital visits, ambulance rides and medical treatment. And if you are at fault for an accident with injuries, you may quickly exhaust the $25,000 per person included on your Liability Insurance. If you choose a higher BI limit, you can better protect yourself from potential expenses.
  • Higher Property Damage Limits: Consider the fact that, many times, accidents cause damage to property in addition to the cars involved. Fences, buildings, light poles and other structures can add to your repair costs, and higher PD limits would help you cover these expenses.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

Of course, it is not legally required of you to purchase the above levels and types of coverage, but they will save you money, hassle and headache in the event of an accident. To help you with your unique Auto Insurance coverage needs, call a licensed Insurance Specialist at AIS today.

Virginia is an "Add-On" No-Fault State

There are a few states that are “no-fault” states, in which they do not require the determination of fault after an auto accident and instead each driver’s own Auto Insurance covers any damages. Drivers in these types of states also give up some rights to sue for injuries or damages after an accident, a law set in place to help reduce the amount of costly court cases.

Virginia is not a “true” no-fault state and is instead considered an “add-on” no-fault state. This means a Virginia driver can purchase additional Personal Injury Protection (PIP) Insurance, also known as no-fault insurance. With PIP Insurance, a driver will get compensated no matter who was at fault for an accident. Virginia drivers also still have the right to sue after a car accident.

This information can get confusing. If you’re having trouble understanding the difference between fault and no-fault states, and what that means for your Virginia Auto Insurance, call a knowledgeable AIS agent today for clarification. We’ll be happy to explain all facets of Auto Insurance in Virginia to you, as well as the type of coverages you should add to your policy.

Most Stolen Car Models in Virginia

If you own a car that is highly targeted for theft, you may find that your Car Insurance rate is increased. According to www.nicb.org, these are the top 10 cars that were stolen in Virginia in 2017:

  1. Honda Accord
  2. Honda Civic
  3. Toyota Camry
  4. Ford Pickup (Full Size)
  5. Nissan Altima
  6. Toyota Corolla
  7. Chevrolet Pickup (Full Size)
  8. Hyundai Sonata
  9. Chevrolet Malibu
  10. Ford Explorer

Virginia Auto Insurance Discounts

There are discounts for pretty much anything you can buy, and Auto Insurance is no exception. At AIS, we know all about Car Insurance discounts, and we want to help you get as many of those money-savers as possible.

Some of the Virginia Car Insurance discounts you may qualify for include:

  • Good Student
  • Good Driver
  • Multi-Policy
  • Accident Free
  • Multi-Car
  • Anti-Theft Device

To learn more about specific discounts, visit our Discounts page.

Just like everywhere else, Virginia is home to hazards on the road that require Auto Insurance protection. Accidents, injuries and natural disasters can happen anywhere, but adequate Car Insurance coverage helps make these issues easier to handle. An AIS Insurance Specialist can help you decide on the right policy for you and answer any questions you have along the way. Call us today to see how we can help with your Virginia Auto Insurance needs!

Start a Virginia Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About Virginia

The first President of the United States, along with seven other presidents, was born in Virginia.

Virginia is home to the world's only oyster museum, the Museum of Chincoteague. 

Notable Virginia Attractions

Shenandoah National Park

Mount Vernon Estate

Arlington National Cemetery