Virginia car insurance

When you drive through Richmond, Roanoke, or Chesapeake, you can rely on affordable car insurance from Progressive. Learn more about coverages the state requires, how you can save on your car insurance, and find easy ways to get a car insurance quote in Virginia.

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What are Virginia's minimum auto insurance requirements?

Drivers in Virginia are required to have auto liability coverage (BI liability and PD liability), and uninsured/underinsured motorist (UM/UIM) coverage at the following minimum car insurance limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$30,000 per person
$60,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$20,000 per accident
UM/UIM bodily injury What it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$30,000 per person
$60,000 per accident

While these are Virginia's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Virginia a no-fault state?

No. Virginia is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Virginia?

The average cost of a six-month liability-only policy from Progressive in a medium-cost state like Virginia is $105.36 per month.* Keep in mind that rates vary based on a variety of factors, including your driving history, ZIP code, plus the limits and coverages you select. Learn the factors that impact car insurance rates.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.† Get an auto insurance quote today.

What is the best car insurance in Virginia?

Finding the best car insurance in Virginia means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Virginia get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

If you're looking for the cheapest car insurance in Virginia, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 on average‡

How do I lower my car insurance cost in Virginia?

To lower your car insurance cost in Virginia, you may qualify for the following discounts through Progressive:

  • Multi-policy
  • Distant student
  • Multi-car
  • Teen driver
  • Five-year accident-free
  • Paperless
  • Online quote

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Virginia is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Virginia's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator to find which ones are best for you.

Virginia driving resources

Whether you're in Arlington or Alexandria, get to know Virginia's driving laws and resources. These resources apply to Leesburg, and everywhere in between. Local municipalities may have additional laws and resources.

How to get car insurance in Virginia

Online

Answer some easy questions and choose coverages.

Quote auto insurance

Call us

A licensed representative will answer any questions you have.

Call 1-866-749-7436

Ask an agent

Need local advice? We'll connect you with a licensed independent agent near you.

Find an agent in Virginia

Quote car insurance online or give us a call

Learn more about car insurance policies.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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*Average rates for a liability-only Progressive auto policy with one vehicle and one driver for 2023 for a given group of states. The average premium per cost group was calculated with a weighting based on the policy count of the states included in each cost group. Individual rates may be higher or lower depending on a variety of factors, including, but not limited to, vehicle, age, driving record, and location.

†Auto savings based on national average 12 month savings of $835 by new customers surveyed who saved with Progressive between June 2023 and May 2024. Home & auto savings based on national average 12 month savings of $779 by new customers surveyed who saved with Progressive between June 2022 and May 2023. Potential savings will vary.

**No. 1 in combined personal and commercial auto from SNL Financial's 2021 national written premium data.

††National average 12 month savings of $775 by new customers surveyed who switched from Allstate and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

§National average 12 month savings of $740 by new customers surveyed who switched from GEICO and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

‡National average 12 month savings of $565 by new customers surveyed who switched from State Farm and saved with Progressive between June 2022 and May 2023. Potential savings will vary.