Virginia Car Insurance Requirements in 2026 (Minimum Coverage in VA)

Virginia car insurance requirements mandate 30/60/20 liability coverage: $30,000 for bodily injury per person, $60,000 per accident, and $20,000 for property damage.

These limits ensure drivers can cover basic injury and damage costs in an at-fault accident. Drivers must also carry uninsured/underinsured motorist coverage with the same minimums.

Virginia Car Insurance Minimum Coverage Requirements

It also covers penalties for noncompliance and options, such as paying a $500 UMV fee if you choose not to opt out of traditional coverage.

To get the best Virginia car insurance, enter your ZIP code and compare the most affordable options near you. Rates vary, so the best way to meet Virginia car insurance requirements is to compare multiple rates.

Virginia Minimum Coverage Requirements & What They Cover

Virginia requires the following minimum liability coverage:

• $25,000/$50,000 for bodily injury
• $20,000 for property damage

Also required:

• $25,000 / $50,000 for uninsured/underinsured bodily injury
• $20,000 for uninsured/underinsured property damage

Additional insurance coverage can include:

• Comprehensive and collision coverage

Comprehensive and collision insurance covers repairs or replacement if your vehicle is damaged.

Collision car insurance applies to accident-related damage. Comprehensive coverage covers non-collision events, such as fire or theft.

Coverage is recommended even if your car isn’t on Virginia’s list of most stolen vehicles.

Cheapest Car Insurance Options in VA

The cheapest car insurance in Virginia is offered by USAA, Progressive, and State Farm, with rates starting at $18 per month.

The lowest rates are usually for minimum liability insurance policies that meet Virginia’s 30/60/20 limits. Car insurance discounts, driving history, and coverage choices affect your final premium. The table below shows monthly minimum coverage car insurance rates by city in Virginia.

Virginia Car Min. Coverage Insurance Monthly Rates by City

City	Rates
Alexandria	$66
Arlington	$68
Chesapeake	$60
Hampton	$58
Newport News	$57
Norfolk	$64
Richmond	$65
Roanoke	$55
Virginia Beach	$62
Williamsburg	$59

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Roanoke has the cheapest minimum coverage rate in Virginia at $55 per month.

The table below displays monthly car insurance rates in Virginia categorized by age and gender.

Car Insurance Monthly Rates in Virginia by Age & Gender

Rates may vary depending on age and gender, with younger drivers and males typically paying more for coverage.

The table below outlines monthly car insurance rates in Virginia based on provider and driving record.

Car Insurance Monthly Rates in Virginia by Provider & Driving Record

Rates may vary depending on each provider’s policies and the driver’s record, including any history of violations or accidents.

Consequences of Driving Without Insurance in Virginia

Failure to meet Virginia car insurance requirements or show proof of insurance results in penalties and fees.

If you are unable to show proof of insurance, you can face the following penalties:

• Suspended registration
• Statutory fee of $500 and reinstatement fees
• Requirement to submit an SR-22 for 3 years

Learn how to find the best car insurance companies and avoid penalties in Virginia for not having proof of insurance.

Proof of Insurance and Financial Responsibility

Proof of insurance and financial responsibility:

• Get a standard liability car insurance policy
• Pay a $500 Uninsured Motor Vehicle (UMV) fee (valid 12 months, no coverage)
• Other options apply only to non-consumer vehicles

Need to meet Virginia car insurance requirements? Proof of insurance isn’t enough—you’re also responsible for covering costs if you’re at fault.

Read More: Best Car Insurance in Your State

Check Reddit’s tip: Google “independent insurance agency Richmond, VA,” read reviews, and call a few. You’ll deal with agents more than the insurance companies.

Each agency offers different rates. Don’t settle—compare options and make sure your coverage meets Virginia car insurance laws and financial responsibility requirements.

Required Documentation

To provide proof of insurance, you can provide one of the following:

• Insurance ID Card
• Evidence of currently paid UMV

Check USAA’s website to upload proof of insurance or access your digital ID card.

Keep it available when driving, registering, or after an accident.

You must maintain proof of insurance and financial responsibility and present it:

• When asked by a police officer
• When registering your vehicle
• After an accident
• Anytime you are operating a vehicle

Meeting Virginia car insurance requirements for uninsured motorist coverage means carrying at least 30/60/20 liability limits and matching uninsured motorist coverage.

Compare rates by ZIP code to find the best rates. Optional coverage, like collision and comprehensive, can offer added protection. Maintain proof of insurance to avoid fines, fees, and license issues.

Get the minimum car insurance coverage in Virginia to drive legally by entering your ZIP code into our free quote comparison tool.

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