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VA
Virginia car insurance
Getting car insurance in Virginia
Heavy traffic in Northern Virginia, busy freight routes along I-81, and scenic mountain roads through the Blue Ridge Parkway; Virginia drivers need car insurance that fits where they drive. With tools like AutoQuote Explorer®, you can easily compare your Progressive quote with rates from other insurers. Get started today and build a policy that fits your budget and needs.
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What are the minimum auto insurance requirements in Virginia?
Virginia requires drivers to carry bodily injury and property damage liability coverage, as well as uninsured/underinsured motorist coverage, at the following minimum limits.
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
Injuries you cause to others in an accident |
$50,000 per person |
|
Property damage liability |
Damage you cause to someone else's vehicle or other property in an accident |
$25,000 per accident |
|
Uninsured/underinsured motorist bodily injury |
Injuries caused by an uninsured, underinsured, or hit-and-run driver |
$50,000 per person |
|
Uninsured/underinsured motorist property damage |
Damage to your vehicle caused by an uninsured or underinsured driver |
$25,000 per accident |
While these are Virginia's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need for your situation.
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Car insurance discounts in Virginia
Progressive offers several discounts to help Virginia drivers save on car insurance. Popular discounts available in Virginia include:
-
Savings!Bundle & save
Save when you have more than one type of insurance policy with Progressive. You may qualify when you combine auto insurance with home, renters, motorcycle, boat, or another eligible policy.
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Five-year accident-free
Save when you've gone five years without an accident. Maintaining an accident-free driving record may help you qualify for this discount.
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Online quote
Save when you start your Progressive auto insurance quote online. You can still qualify if a licensed Progressive representative finishes the quote with you by phone.
What is the average cost of car insurance in Virginia?
In 2025, a Progressive liability-only policy for one car and one driver in high-cost states like Virginia cost an average of $165.02 per month.† Your rate may vary based on factors such as your driving history, location, vehicle, and coverage choices.
Factors that impact your auto insurance rate in Virginia
Insurers consider several details when setting your auto insurance rate in Virginia, including:
- Driving history: Accidents and traffic violations may affect your rate. A clean driving record may help you qualify for a lower premium.
- Vehicle type: Your car's make, model, age, safety features, and repair costs may influence what you pay for coverage.
- Location: Densely populated areas tend to have higher rates of accidents and vehicle theft. So if you live in the NoVA area, then you may pay more than someone living in a more rural part of the commonwealth.
- Vehicle use: How often and how far you drive may affect your rate. Longer commutes or higher annual mileage may increase your premium.
- Coverage choices and deductibles: The coverages, limits, and deductibles you select affect your premium. Higher limits or additional coverage generally cost more, while choosing a higher deductible may lower your rate.
Recommended additional auto insurance coverages in Virginia
Virginia's required coverages provide a basic amount of protection, but they may not cover everything you need. Consider these optional coverages:
Coverage
|
Coverage |
What it covers |
|---|---|
|
Comprehensive |
Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, animal collisions, and other covered events |
|
Collision |
Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object |
|
Medical payments |
Medical expenses for you and your passengers after an accident, regardless of fault |
If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverage.
Virginia driving resources
Use these resources to learn more about Virginia driving laws, insurance requirements, and road conditions.
- Virginia Department of Motor Vehicles: Find information about vehicle registration, driver's licenses, insurance requirements, and other DMV services.
- Virginia State Corporation Commission Bureau of Insurance: Review auto insurance information, consumer guidance, and complaint resources.
- Virginia Highway Safety Office: Find information about impaired driving, speeding, seat belts, distracted driving, and other traffic safety programs.
- 511 Virginia: Check current traffic, crashes, road work, weather conditions, and travel alerts across the state.
How to get car insurance in Virginia with Progressive
Progressive gives Virginia drivers several ways to get a quote and compare coverage. With the Name Your Price® tool, you can explore coverage options based on the price you want to pay.
-
Go online
We ask easy questions, and you customize your coverages.
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Call a rep
Talk with a licensed representative who can guide you through the process.
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Through an agent
Connect with an independent agent in your area.
Virginia car insurance FAQs
What else needs protection in Virginia?
