Virginia car insurance laws and requirements: What is changing in 2025

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Virginia car insurance laws

Virginia requires that drivers carry at least 50/100/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Virginia drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Virginia car insurance requirements

Virginia requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Virginia liability minimums are 50/100/25.

Virginia Farm Bureau has the lowest minimum car insurance rates, averaging $319.

The table below shows the top insurers' average rates for minimum coverage in Virginia.

Company	Average annual premium	Average monthly premium
Virginia Farm Bureau	$319	$27
Erie Insurance	$331	$28
Travelers	$382	$32
Geico	$388	$32
State Farm	$390	$33
Auto-Owners	$410	$34
Progressive	$612	$51
Allstate	$676	$56
USAA	$344	$29

Read our methodology

Virginia car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $428. Car insurance rates for minimum coverage vary by company and driver. The table below shows average annual rates for the old minimum liability limits in Virginia. We will soon revise the rates to align with the updated limits.

The cheapest company for minimum coverage in Virginia is Virginia Farm Bureau at an average rate of $319 annually.

State minimum coverage limit	30/60/20
Average annual premium	$428
Average monthly premium	$36

Read our methodology

Are the Virginia minimum coverage requirements changing in 2025?

Virginia car insurance requirements are changing again in 2025. Before July 2024, Virginia drivers could opt out of car insurance by paying a $500 annual fee. Then, in July 2024, drivers had to begin carrying at least minimum coverage of:

$30,000 for bodily injury or death per person
$60,000 for bodily injury or death per accident
$20,000 for property damage per accident

Liability limits increased on Jan. 1, 2025, to:

$50,000 for bodily injury or death per person
$100,000 for bodily injury or death per accident
$25,000 for property damage per accident

Drivers can expect rates to increase accordingly. However, drivers with more than the minimum required coverage should see no changes.

What does minimum car insurance cover in Virginia?

Virginia requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Virginia drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

Virginia is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) to pay medical costs, such as doctor visits and prescriptions.

PEOPLE ASK:

Is Virginia minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 50/100/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Virginia?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Virginia penalties for driving without car insurance

Since Virginia requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Virginia car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$600
Other penalties	License and registration suspension
Jail time	No

Read our methodology

Virginia minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Erie Insurance has the best rates for teens with minimum coverage averaging $766. Virginia Farm Bureau offers the cheapest coverage for adults at $333.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $435, and the average rate for a 40-year-old male is $421, a difference of $14.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Erie Insurance	$1,016	$85
16	Virginia Farm Bureau	$1,063	$89
16	Geico	$1,292	$108
16	Auto-Owners	$1,557	$130
16	State Farm	$1,690	$141
16	Travelers	$1,778	$148
16	Allstate	$2,575	$215
16	Progressive	$3,320	$277
17	Erie Insurance	$868	$72
17	Geico	$980	$82
17	Virginia Farm Bureau	$1,041	$87
17	Travelers	$1,365	$114
17	Auto-Owners	$1,410	$118
17	State Farm	$1,464	$122
17	Allstate	$1,716	$143
17	Progressive	$2,919	$243
18	Erie Insurance	$743	$62
18	Geico	$872	$73
18	Virginia Farm Bureau	$946	$79
18	Travelers	$1,084	$90
18	State Farm	$1,254	$105
18	Auto-Owners	$1,271	$106
18	Allstate	$1,441	$120
18	Progressive	$2,498	$208
19	Erie Insurance	$672	$56
19	Geico	$712	$59
19	Virginia Farm Bureau	$847	$71
19	Travelers	$859	$72
19	State Farm	$1,073	$89
19	Auto-Owners	$1,076	$90
19	Allstate	$1,248	$104
19	Progressive	$1,270	$106
20	Erie Insurance	$617	$51
20	Geico	$657	$55
20	Travelers	$726	$61
20	Virginia Farm Bureau	$766	$64
20	Auto-Owners	$910	$76
20	State Farm	$923	$77
20	Allstate	$1,093	$91
20	Progressive	$1,140	$95
21	Geico	$484	$40
21	Virginia Farm Bureau	$595	$50
21	Erie Insurance	$598	$50
21	Travelers	$614	$51
21	State Farm	$778	$65
21	Auto-Owners	$789	$66
21	Allstate	$856	$71
21	Progressive	$983	$82
22	Geico	$439	$37
22	Erie Insurance	$530	$44
22	Travelers	$560	$47
22	Virginia Farm Bureau	$567	$47
22	Auto-Owners	$684	$57
22	State Farm	$694	$58
22	Allstate	$808	$67
22	Progressive	$889	$74
23	Geico	$409	$34
23	Erie Insurance	$502	$42
23	Travelers	$512	$43
23	Virginia Farm Bureau	$540	$45
23	Auto-Owners	$600	$50
23	State Farm	$604	$50
23	Allstate	$794	$66
23	Progressive	$878	$73
24	Geico	$392	$33
24	Erie Insurance	$422	$35
24	Travelers	$484	$40
24	Virginia Farm Bureau	$513	$43
24	State Farm	$529	$44
24	Auto-Owners	$554	$46
24	Allstate	$785	$65
24	Progressive	$807	$67
25	Virginia Farm Bureau	$344	$29
25	Geico	$379	$32
25	Erie Insurance	$407	$34
25	Travelers	$430	$36
25	State Farm	$468	$39
25	Auto-Owners	$506	$42
25	Progressive	$674	$56
25	Allstate	$681	$57
30	Virginia Farm Bureau	$343	$29
30	Erie Insurance	$349	$29
30	Geico	$353	$29
30	State Farm	$387	$32
30	Auto-Owners	$397	$33
30	Travelers	$421	$35
30	Progressive	$615	$51
30	Allstate	$655	$55
35	Erie Insurance	$330	$28
35	Virginia Farm Bureau	$333	$28
35	Geico	$350	$29
35	State Farm	$384	$32
35	Auto-Owners	$410	$34
35	Travelers	$421	$35
35	Progressive	$606	$51
35	Allstate	$655	$55
40	Erie Insurance	$325	$27
40	Virginia Farm Bureau	$330	$28
40	Geico	$356	$30
40	Travelers	$389	$32
40	State Farm	$390	$33
40	Auto-Owners	$410	$34
40	Progressive	$595	$50
40	Allstate	$655	$55
45	Erie Insurance	$315	$26
45	Virginia Farm Bureau	$335	$28
45	Geico	$356	$30
45	Travelers	$389	$32
45	State Farm	$393	$33
45	Auto-Owners	$410	$34
45	Progressive	$593	$49
45	Allstate	$655	$55
50	Erie Insurance	$309	$26
50	Virginia Farm Bureau	$347	$29
50	Geico	$358	$30
50	State Farm	$387	$32
50	Travelers	$389	$32
50	Auto-Owners	$409	$34
50	Progressive	$576	$48
50	Allstate	$600	$50
55	Erie Insurance	$304	$25
55	Virginia Farm Bureau	$350	$29
55	Geico	$359	$30
55	Travelers	$371	$31
55	State Farm	$378	$32
55	Auto-Owners	$399	$33
55	Progressive	$579	$48
55	Allstate	$592	$49
60	Erie Insurance	$306	$26
60	Geico	$363	$30
60	State Farm	$369	$31
60	Travelers	$375	$31
60	Virginia Farm Bureau	$378	$32
60	Auto-Owners	$405	$34
60	Progressive	$581	$48
60	Allstate	$610	$51
65	Erie Insurance	$321	$27
65	State Farm	$369	$31
65	Geico	$374	$31
65	Travelers	$407	$34
65	Virginia Farm Bureau	$417	$35
65	Auto-Owners	$434	$36
65	Progressive	$605	$50
65	Allstate	$736	$61
70	Erie Insurance	$349	$29
70	State Farm	$390	$33
70	Geico	$414	$35
70	Travelers	$433	$36
70	Virginia Farm Bureau	$470	$39
70	Auto-Owners	$505	$42
70	Progressive	$649	$54
70	Allstate	$736	$61
75	Erie Insurance	$403	$34
75	State Farm	$432	$36
75	Travelers	$481	$40
75	Geico	$486	$41
75	Virginia Farm Bureau	$542	$45
75	Auto-Owners	$574	$48
75	Progressive	$783	$65
75	Allstate	$843	$70
75	Farmers	$944	$79
16	USAA	$1,766	$147
17	USAA	$1,329	$111
18	USAA	$1,020	$85
19	USAA	$833	$69
20	USAA	$771	$64
21	USAA	$556	$46
22	USAA	$525	$44
23	USAA	$493	$41
24	USAA	$478	$40
25	USAA	$444	$37
30	USAA	$360	$30
35	USAA	$354	$30
40	USAA	$344	$29
45	USAA	$337	$28
50	USAA	$330	$28
55	USAA	$328	$27
60	USAA	$328	$27
65	USAA	$351	$29
70	USAA	$402	$34
75	USAA	$460	$38

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Erie Insurance	$863	$72
16	Virginia Farm Bureau	$984	$82
16	Geico	$1,400	$117
16	Auto-Owners	$1,101	$92
16	State Farm	$1,332	$111
16	Travelers	$1,353	$113
16	Allstate	$2,374	$198
16	Progressive	$3,074	$256
17	Erie Insurance	$734	$61
17	Geico	$1,081	$90
17	Virginia Farm Bureau	$965	$80
17	Travelers	$1,068	$89
17	Auto-Owners	$1,053	$88
17	State Farm	$1,151	$96
17	Allstate	$1,588	$132
17	Progressive	$2,699	$225
18	Erie Insurance	$645	$54
18	Geico	$967	$81
18	Virginia Farm Bureau	$881	$73
18	Travelers	$868	$72
18	State Farm	$998	$83
18	Auto-Owners	$1,000	$83
18	Allstate	$1,328	$111
18	Progressive	$2,298	$192
19	Erie Insurance	$586	$49
19	Geico	$796	$66
19	Virginia Farm Bureau	$792	$66
19	Travelers	$708	$59
19	State Farm	$866	$72
19	Auto-Owners	$908	$76
19	Allstate	$1,161	$97
19	Progressive	$1,169	$97
20	Erie Insurance	$549	$46
20	Geico	$710	$59
20	Travelers	$617	$51
20	Virginia Farm Bureau	$719	$60
20	Auto-Owners	$826	$69
20	State Farm	$760	$63
20	Allstate	$1,016	$85
20	Progressive	$1,061	$88
21	Geico	$546	$46
21	Virginia Farm Bureau	$554	$46
21	Erie Insurance	$541	$45
21	Travelers	$539	$45
21	State Farm	$655	$55
21	Auto-Owners	$763	$64
21	Allstate	$800	$67
21	Progressive	$959	$80
22	Geico	$492	$41
22	Erie Insurance	$493	$41
22	Travelers	$502	$42
22	Virginia Farm Bureau	$528	$44
22	Auto-Owners	$713	$59
22	State Farm	$598	$50
22	Allstate	$755	$63
22	Progressive	$896	$75
23	Geico	$477	$40
23	Erie Insurance	$484	$40
23	Travelers	$480	$40
23	Virginia Farm Bureau	$504	$42
23	Auto-Owners	$651	$54
23	State Farm	$526	$44
23	Allstate	$744	$62
23	Progressive	$874	$73
24	Geico	$463	$39
24	Erie Insurance	$461	$38
24	Travelers	$471	$39
24	Virginia Farm Bureau	$480	$40
24	State Farm	$477	$40
24	Auto-Owners	$605	$50
24	Allstate	$735	$61
24	Progressive	$815	$68
25	Virginia Farm Bureau	$321	$27
25	Geico	$445	$37
25	Erie Insurance	$443	$37
25	Travelers	$418	$35
25	State Farm	$432	$36
25	Auto-Owners	$568	$47
25	Progressive	$704	$59
25	Allstate	$697	$58
30	Virginia Farm Bureau	$319	$27
30	Erie Insurance	$379	$32
30	Geico	$415	$35
30	State Farm	$387	$32
30	Auto-Owners	$397	$33
30	Travelers	$409	$34
30	Progressive	$660	$55
30	Allstate	$697	$58
35	Erie Insurance	$352	$29
35	Virginia Farm Bureau	$310	$26
35	Geico	$419	$35
35	State Farm	$384	$32
35	Auto-Owners	$410	$34
35	Travelers	$405	$34
35	Progressive	$650	$54
35	Allstate	$697	$58
40	Erie Insurance	$337	$28
40	Virginia Farm Bureau	$308	$26
40	Geico	$421	$35
40	Travelers	$376	$31
40	State Farm	$390	$33
40	Auto-Owners	$410	$34
40	Progressive	$630	$53
40	Allstate	$697	$58
45	Erie Insurance	$321	$27
45	Virginia Farm Bureau	$311	$26
45	Geico	$419	$35
45	Travelers	$376	$31
45	State Farm	$393	$33
45	Auto-Owners	$410	$34
45	Progressive	$628	$52
45	Allstate	$697	$58
50	Erie Insurance	$303	$25
50	Virginia Farm Bureau	$323	$27
50	Geico	$422	$35
50	State Farm	$387	$32
50	Travelers	$376	$31
50	Auto-Owners	$409	$34
50	Progressive	$601	$50
50	Allstate	$600	$50
55	Erie Insurance	$289	$24
55	Virginia Farm Bureau	$327	$27
55	Geico	$424	$35
55	Travelers	$359	$30
55	State Farm	$378	$32
55	Auto-Owners	$399	$33
55	Progressive	$586	$49
55	Allstate	$592	$49
60	Erie Insurance	$285	$24
60	Geico	$423	$35
60	State Farm	$369	$31
60	Travelers	$363	$30
60	Virginia Farm Bureau	$353	$29
60	Auto-Owners	$405	$34
60	Progressive	$588	$49
60	Allstate	$610	$51
65	Erie Insurance	$294	$25
65	State Farm	$369	$31
65	Geico	$427	$36
65	Travelers	$393	$33
65	Virginia Farm Bureau	$389	$32
65	Auto-Owners	$434	$36
65	Progressive	$613	$51
65	Allstate	$736	$61
70	Erie Insurance	$321	$27
70	State Farm	$390	$33
70	Geico	$452	$38
70	Travelers	$412	$34
70	Virginia Farm Bureau	$437	$36
70	Auto-Owners	$505	$42
70	Progressive	$660	$55
70	Allstate	$736	$61
75	Erie Insurance	$373	$31
75	State Farm	$432	$36
75	Travelers	$446	$37
75	Geico	$504	$42
75	Virginia Farm Bureau	$502	$42
75	Auto-Owners	$574	$48
75	Progressive	$726	$61
75	Allstate	$843	$70
75	Farmers	NA	NA
16	USAA	$1,766	$147
17	USAA	$1,329	$111
18	USAA	$1,020	$85
19	USAA	$833	$69
20	USAA	$771	$64
21	USAA	$556	$46
22	USAA	$525	$44
23	USAA	$493	$41
24	USAA	$478	$40
25	USAA	$444	$37
30	USAA	$360	$30
35	USAA	$354	$30
40	USAA	$344	$29
45	USAA	$337	$28
50	USAA	$330	$28
55	USAA	$328	$27
60	USAA	$328	$27
65	USAA	$351	$29
70	USAA	$402	$34
75	USAA	$460	$38

Read our methodology

Virginia minimum coverage cost by city

Roanoke drivers pay the least for minimum coverage in Virginia at $415. However, Norfolk pay the most at $558.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Virginia.

City	Average annual premium	Average monthly premium
Roanoke	$415	$35
Suffolk	$472	$39
Newport News	$503	$42
Hampton	$517	$43
Chesapeake	$523	$44
Richmond	$525	$44
Virginia Beach	$527	$44
Portsmouth	$545	$45
Alexandria	$556	$46
Norfolk	$558	$47

Read our methodology

Optional car insurance coverage in Virginia

Virginia requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Virginia car insurance laws and requirements: FAQs

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Virginia?

If you're caught driving without car insurance in Virginia, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.