Common questions about Virginia auto insurance
Need car insurance in Virginia? Whether you live in Virginia Beach or Chesapeake, Liberty Mutual can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we’ve got you covered. We’ll help you customize your Virginia auto insurance, so you only pay for what you need.
What car insurance is required in Virginia?
In Virginia, it’s illegal to drive without insurance. Drivers in Virginia are required to have car insurance coverage for
- Bodily Injury to others
- Property Damage Liability
Here are the minimum auto insurance limits drivers must have in Virginia.1
| Coverage | Amount |
|---|---|
| Bodily Injury to others | $30,000 per person and $60,000 per accident |
| Property Damage Liability | $20,000 per accident |
| Uninsured/Underinsured Motorist Bodily Injury | $30,000 per person and $60,000 per accident |
| Uninsured/Underinsured Motorist Property Damage | $20,000 per accident |
Check out Virginia Department of Motor Vehiclesfor more details.
What is the average cost of car insurance in Virginia?
The average cost of car insurance in Virginia is $1,0672 in 2021 according to thezebra.com. That’s 30% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.
Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Virginia auto insurance with a customized policy, so you only pay for what you need.
Get a free quote to see how much you could save by choosing Liberty Mutual.
What is considered “full coverage” car insurance in Virginia?
“Full coverage” car insurance can mean different things to different people. Legally, in the state of Virginia you’re only required to have the state Liability minimums of 30/60/20.
However, “full car insurance” or “full coverage” is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We’ll make sure you get the coverage you need in Virginia when you get an online auto insurance quote.
What liability insurance is required in Virginia?
Virginia law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It’s important to know this coverage doesn’t cover you, your car, or your personal belongings.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $30,000 per person and $60,000 per accident
- Property Damage Liability: $20,000 per accident
You may see this written as 30/60/20.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Is Virginia a no-fault insurance state?
No, Virginia is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.
Although many drivers have insurance to help cover these costs, some don’t. These drivers can be either underinsured or uninsured. Due to this, Virginia drivers may want to consider additional coverage known as Medical Payments Coverage (MedPay).
This coverage can help cover you if you’re in an accident with an underinsured or uninsured driver. While this is optional, it’s recommended to have it.
What is the best car insurance in Virginia?
Liberty Mutual knows that everyone has different needs for their Virginia auto insurance. Some may want the cheapest Virginia car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Virginia car insurance, so you only pay for what you need.
Who has the cheapest car insurance in Virginia?
Getting the cheapest car insurance in Virginia may sound great but that cheap rate can come at a cost when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you’re in an accident.
A Liberty Mutual auto insurance policy can cost less than you think.3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Cheap Auto Insurance in Virginia
We believe every driver in Virginia deserves solid protection on the road. Mercury Insurance provides cheap auto insurance without compromising on quality. You can rest easy knowing we have you covered when the unexpected happens. Learn more about how we can save you money on car insurance and why you should join the Mercury family.
Minimum Auto Insurance Requirements in Virginia
The state sets minimum auto insurance requirements for all Virginia drivers. Here’s the coverage you need to legally drive in the Old Dominion:
Minimum bodily injury liability: $25,000 per person and $50,000 per accident
- This coverage pays for others’ medical expenses if you’re responsible for the accident.
Property damage liability (PD): $20,000 per accident
- PD helps pay repair costs if you damage another person’s vehicle or property.
Optional Auto Insurance Coverages
Mercury offers additional coverage options to give you peace of mind, whether you’re driving through the Virginia Beach Town Center or through the Appalachian backroads. You can rely on Mercury to provide a cheap auto insurance plan tailored to your needs. Explore all our coverage options below:
- Liability Protection
- Collision Protection
- Comprehensive Coverage
- Medical Payments Coverage
- Uninsured/Underinsured Motorists Bodily Injury
- Rental Car Reimbursement
- Roadside Assistance
Penalties for Driving Without Auto Insurance in Virginia
Virginia is one of the few states that doesn’t require citizens to have auto insurance to legally drive. If you opt out of car insurance, you must pay the $500 Uninsured Motor Vehicle (UMV) fee every time your vehicle registration expires. Be aware that this fee doesn’t provide you with any insurance coverage.
If you don’t pay for auto insurance or the UMV fee, serious penalties may occur. These punishments include a Class 3 misdemeanor conviction, a fine up to $500, and a driver’s license and license plate suspension. You may also need to file an SR-22 form — a certificate proving to the state you have auto insurance — for three years.
Mercury offers affordable car insurance without sacrificing quality support and service. Talk with an agent today to help you find cheap car insurance.
Drivers save hundreds* when switching to Mercury Insurance.
*Individual savings may vary.
Lower Your Auto Insurance Rate with Discounts
Mercury already offers cheap auto insurance quotes in Virginia. Do you know how you can save even more on insurance premiums? Adding one or more of our discounts.
Check out a few we offer:
- AutoPay Discount
- E-Signature Discount
- Electric Vehicle Discount
- Good Student Discount
- Good Payer Discount
- Multi-Policy Discount
- Pay-in-Full Discount
Save Hundreds by Switching to Mercury Insurance
We’re committed to keeping your auto insurance rate low. Our insurance fraud investigations arm — the Special Investigation Unit (SIU) — works with federal and local law enforcement to break up hundreds of fraud rings each year. These scammers not only hurt the insurance industry but also affect you by driving up insurance premium costs. This is how we can offer affordable rates for high-quality coverage.
If you’re looking for one of the best cheap auto insurance providers in Virginia, end your search now. Start your free quote online and see how much money you can save!
