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Virginia Car Insurance

Compare rates from 20 car insurance companies in Virginia.

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Here's what you need to know when driving in Virginia

Across the Old Dominion State, there are 160,097 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Virginia

In Virginia, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $20,000 per accident
Uninsured/Underinsured Motorist
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $20,000 per accident
Optional coverage in Virginia (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Income Loss

Liability coverage is legally required in Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Virginia, the minimum is listed as 25/50/20 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$20,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in Virginia and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Virginia, the minimum is listed as 25/50/20 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

$20,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured/underinsured driver.

These numbers reflect the minimum limits required in Virginia but higher coverage amounts are available with most companies.

Top Virginia Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Virginia?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Virginia you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Virginia?

Uninsured Drivers in Virginia
Virginia

10%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Virginia cities?

Rank City Avg. Annual Premium
1 Burke $1,047
2 Alexandria $1,026
3 Lake Ridge $1,022
4 Dale City $1,018
5 Centreville $1,017
6 McLean $1,005
7 Richmond $995
8 Arlington $993
9 Norfolk $980
10 Reston $973
11 Portsmouth $953
12 Hampton $953
13 Tuckahoe $948
14 Newport News $939
15 Danville $931
16 Virginia Beach $929
17 Suffolk $919
18 Chesapeake $917
19 Leesburg $913
20 Ashburn $911
21 Charlottesville $904
22 Lynchburg $860
23 Roanoke $815
24 Harrisonburg $792
25 Blacksburg $783

More questions?

Check out other FAQs and ask your own Virginia car insurance questions here.
Driving Laws

Virginia Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers
  2. Ban on all cell phones for drivers <18 years old
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities

211

Per Year in Virginia
Annual DUI Arrests
Virginia
27,732
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's cheap to get car insurance in Virginia!

Whoa! Virginia is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since Virginia might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Virginia?
Rank Company Name Avg. Annual Premium
1 Travelers $666
2 USAA $702
3 Penn National $733
4 Cincinnati Insurance $748
5 Utica National $773
6 Auto-Owners $773
7 The Hartford $793
8 Erie $796
9 Virginia Farm Bureau $818
10 Donegal Mutual $869
11 Nationwide $944
12 Allied $1,002
13 ALFA $1,008
14 GEICO $1,016
15 National Grange Mutual $1,082
16 State Farm $1,121
17 Chubb $1,123
18 Electric $1,204
19 Progressive $1,234
20 Amica $1,254
21 Cal Casualty $1,264
22 MetLife $1,319
23 Safe Auto $1,327
24 Mercury $1,356
25 Encompass $1,444
26 Victoria $1,494
27 National General $1,527
28 Allstate $1,574
29 Safeco $2,328
30 Liberty Mutual $2,455
31 21st Century N/A
32 Donegal Mutual N/A
33 Foremost N/A
34 The General N/A
35 Utica National Insurance Group N/A

Virginia Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Virginia area, while also getting an insider view of the Old Dominion State.

Click here to learn more.

Prompt

So, Virginia students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.