Guide to Car Insurance in Virginia

Virginia requires liability insurance with the following limits at a minimum:¹

• Bodily injury liability: $50,00 per person, $100,000 per accident
• Property damage liability: $25,000

These limits went into effect in 2025 and are relatively higher than those of other states. However, note that liability coverage covers the other person’s injuries and damages in an accident you caused. It does not cover your car’s damages in at-fault accidents.

To cover your own damages, you need comprehensive and collision coverage (which your lender may require if you leased or financed your car).

Additionally, consider raising your liability limits and purchasing uninsured/underinsured motorist coverage. The former protects your finances in the event you cause an accident; the latter pays for your injuries if someone without insurance or without enough insurance hits you.

The average cost in Virginia for full coverage car insurance is $2,003 annually, about 15 percent cheaper than the national average of $2,356. Minimum coverage costs an average of $758 annually, on par with the national average of $722.

Travelers, USAA, Farm Bureau, and Erie tend to have the cheapest rates in Virginia, on average.

By City

1. Bundle. If you pay for another type of insurance, whether life or home, bundle it under the same provider to get lower premiums.
2. Use discounts. Every car insurance company offers some discounts. Ask your agent which ones apply to you.
3. Sign up for a telematics program. Many insurance companies offer telematics programs, which track your driving and reward safe habits with a discount.
4. Raise your deductibles. Raising your collision and comprehensive deductibles to lower your premiums, but make sure you can afford the new deductible in the event of a claim.

Virginia mandates that all drivers carry proof of insurance while driving. If you do not have minimum coverage and are caught, you may face serious consequences.

If you’re caught driving without insurance, you must surrender your plates immediately. Additionally, you’ll be charged with a Class 3 misdemeanor and required to pay a $600 fine. Until you pay this fine, your license and registration will be suspended. Even after your license is reinstated, you’ll be required to maintain an SR-22 for three years following your reinstatement date.

SR-22s and FR-44s

An SR-22 is a form that proves you have minimum car insurance coverage. You’ll need an SR-22 for the following convictions:

• Uninsured motor vehicle suspension
• Falsifying an insurance certification
• Not providing proof of insurance under insurance monitoring
• Unsatisfied judgment.

An SR-22 is also required if your driver’s license has been suspended for voluntary/involuntary vehicular manslaughter, car-related perjury, any motor vehicle felony, a hit-and-run involving death or injury, or a second conviction of driving for commercial purposes without a license.²

Virginia is one of two states (along with Florida) that uses FR-44s, which prove you hold double the minimum liability coverage — or $100,000 per person/$200,000 per accident for bodily injury liability, and $50,000 for property damage liability.

FR-44s are required for more serious convictions, including driving under the influence, maiming under the influence, driving with a license forfeited for a conviction, or a juvenile found not innocent, or for violating any similar federal, state, or local laws.

Fault System

Virginia has an at-fault insurance system, meaning that in a car accident, the party at fault is financially responsible for the other party’s property damage and bodily injury. And since the state has contributory negligence law, if a plaintiff acted negligently in any way, they can’t receive compensation, regardless of whether the defendant was more at fault.

Drivers Without Insurance

An estimated 12.9 percent of Virginia drivers are uninsured, which is slightly less than the national average of 15.4 percent.³

While the state doesn’t require uninsured motorist coverage, if you have it, it will include hit-and-runs, and you can stack coverage. Stacking means you can multiply your uninsured motorist limit by the number of cars you insure.

DUIs Laws in Virginia

Drinking and driving in Virginia can result in jail time, serious charges, license suspension, and fines. It’s better to be safe than sorry when you’re behind the wheel. According to data from 2022, there were 274 alcohol-related fatalities in Virginia, which made up 27 percent of all traffic fatalities in the state.⁴

Seat Belt Laws in Virginia

Primary enforcement means police can ticket a person for a violation on its own, while secondary enforcement means the violation must be accompanied by a violation that’s under primary enforcement. In other words, if you are over 18 and not wearing a seat belt in the back seat, the police can ticket you only if you’re also committing another traffic violation.

Distracted Driving

Virginia has a ban on operating handheld devices for all drivers. If you’re caught using a phone while driving, you’ll incur a fine and points on your driving record.

• First offense: Three points, $125 fine
• Second offense: Three points, $250 fine⁷

Teen Drivers

Teen drivers are more prone to crashes than any other age group due to their lack of experience behind the wheel. That’s why Virginia, like most states, has a graduated driver’s license system for young drivers. If you have a learner’s permit, you’ll face the following driving restrictions.

Statute of Limitations

Wait no more than five years following a car accident to file property damage claims and no more than two years to file personal injury claims. If you wait beyond Virginia’s statutes of limitations, your claim won’t be covered.⁹

Notification Laws: Cancellations and Non-Renewals

After the first 60 days, car insurance companies can cancel your insurance midterm if your license has been suspended or revoked, you committed fraud or misrepresentation, or you haven’t paid your premiums. In the case of nonpayment, the company has 15 days to notify you before your policy’s expiration date so you can find new coverage. In all other cases, the notification window is 45 days.

Companies can also choose not to renew your policy at the end of its term, but they must give you 45 days’ notice. Learn more about cancellations and non-renewals.¹⁰

Self-Insurance

In Virginia, those with more than 21 vehicles can opt to self-insure. However, they’ll need to have proof that they have net working capital equal to the minimum liability limits. Follow these steps to self-insure if you meet the requirements:

1. Fill out the form — https://www.dmv.virginia.gov/webdoc/pdf/fr302.pdf.
2. Gather the necessary documents.
   • Current list of the cars you own
   • Latest consolidated financial report, including profit and loss statement, certified by a reputable accounting firm
   • Financial statement from the end of the fiscal year
   • Crash involvement report (FR-521) — https://www.dmv.virginia.gov/webdoc/pdf/fr521.pdf
3. Send the form and documents to this address:
   • Virginia Department of Motor Vehicles
     P.O. Box 27412
     Richmond, VA 23269

Inspection Requirements

In Virginia, you’ll need to get your car inspected for safety once a year. Here’s how to do it:

1. 1. Find an inspection station. While the state doesn’t maintain a list of all 4,200 inspection stations, you can try auto dealerships and car repair facilities (look for a white-and-blue sign that says the location is an official inspection station). If you can’t find a station, contact a Safety Division Area Office via https://vsp.virginia.gov/find-a-safety-office/.
   2. Bring your payment. Here are the fees for a car inspection:

Out-of-state vehicles must also undergo emissions testing in these counties:

• Arlington
• Fairfax
• Loudoun
• Prince William
• Strafford

Emissions testing is required in these cities as well:

• Alexandria
• Fairfax
• Falls Church
• Manassas
• Manassas Park

Emissions inspections are also required every two years for vehicles matching these criteria:

This testing is not required for the following vehicles:

• Fire and rescue equipment
• Motorcycles
• Qualified hybrid vehicles (achieving at least 50 city mpg, or at least 48 for model years 2008 and 2009)
• Registered antique vehicles
• Registered military surplus motor vehicles
• Tactical military vehicles
• Vehicles powered by clean fuels exclusively, including these types:
  • Compressed natural gas
  • Electricity
  • Hydrogen
  • Hythane
  • Liquefied natural gas
  • Liquefied petroleum gas

Follow these steps to get your vehicle emissions test:

1. Go to an emissions testing location. You can find an inspection location near you at https://www.virginiavip.org/PublicSite/Pages/InspectionStations.aspx.¹²
2. Pay the fee. The emissions testing fee is $28.

Defensive Driving Programs

There are a couple of reasons why a Virginian would take a defensive driving course: The court may have ordered them to, or, if they’re at least 55, they might want an auto insurance discount. Either way, here’s how to take a defensive driving course and take five points off your license every two years:

1. Find a course at https://www.dmv.virginia.gov/drivers/#clinics.asp.
2. Pay for the class, which can cost up to $100.
3. Take the course, which will be eight hours long in total.

Thresholds for Suing

If you’re filing a civil suit after a car accident, Virginia’s state driving laws indicate a $350,000 cap for punitive damages, and a $100,000 cap if the defendant is a Commonwealth employee.¹³ If someone doesn’t agree with a payout following an accident, they’re free to seek economic damages for these claims:

• Anxiety
• Lost wages
• Medical expenses
• Pain
• Suffering

When to Report an Accident

Virginia requires drivers to immediately report any accident that results in injury, death, or property damage over $1,000. If you fail to do so, you face a Class 4 misdemeanor, fines of up to $250, and three demerit points to your record (if you’re an involved driver).¹⁴

Credit Scores and Gender

Some states ban insurance companies from determining prices on the basis of credit scores and gender, protecting people with bad credit and men from higher rates. However, Virginia isn’t one of those states, so people with good credit and women will pay less.

Total Loss

Let’s say you have a car that is worth $30,000 and you get into a bad car accident, causing $24,000 in damages. In that case, because the repairs will cost 80 percent of your car’s ACV, your car would be declared a total loss, and you’d be reimbursed $30,000, provided you had collision coverage.

In Virginia, the total loss threshold is 75 percent, so any car with damages that cost 75 percent or more of its ACV would be declared a total loss.

Registration Information

Follow these steps to register your car:

1. Gather the information you need.
   • Virginia car title
   • Completed Application for Registration VSA 14 — https://www.dmv.virginia.gov/webdoc/pdf/vsa14.pdf
   • Emissions inspection information (if testing is required)
   • Proof of minimum insurance
2. Get your payment. The fee will depend on your type of vehicle and its weight.

3. Register online. You can complete the entire registration process at https://transactions.dmv.virginia.gov/apps/webtrans/vehicle_registration/intro.aspx.
4. Or register by mail. Mail the necessary documents and fee to this address:
   • Virginia Department of Motor Vehicles
     Attn: Renewal Center
     P.O. Box 27412
     Richmond, VA 23269-0001
5. Or register in person. Find a mobile office via https://www.dmv.virginia.gov/general/#csc/mcscalendar.asp or a DMV Select (https://www.dmv.virginia.gov/locations/dmv-selects).

How to Get a Duplicate Car Title in Virginia

• Apply online at https://www.dmv.virginia.gov/apps/webtrans/pin_maint/pin_logon.aspx and pay the $15 fee.
• If you want to apply by mail, fill out the form at https://www.dmv.virginia.gov/webdoc/pdf/vsa67.pdf. You won’t need to get the form notarized. Send the form and fee to this address:
  • Virginia Department of Motor Vehicles
    P.O. Box 27412
    Richmond, VA 23269

State Insurance Department Contact Information

• Email: bureauofinsurance@scc.virginia.gov
• Phone: 804-371-9741
• Mail:
  • 1300 E. Main St.
    Tyler Building
    Richmond, VA 23219

Car repairs in Virginia cost $401 on average, making it the eighth-most expensive state repair costs. That breaks down to $143 for labor and $258 for parts, according to a 2022 CarMD report.¹⁵

Virginia has a relatively low rate of car theft, along with lower-than-average traffic fatality rates.

Car Theft

In 2022, Virginia had only 164 car thefts for every 100,000 residents, a rate 39 percent lower than the national average.

However, some of the state’s cities had higher rates, which is normal, as cities often have higher rates than suburban or rural areas. See below for the 2022 data from the National Insurance Crime Bureau.

That’s it for the driving laws and insurance policies in Old Dominion State. If you’re looking for a provider, check out our review of the best car insurance in Virginia. For those who want to learn about some neighboring areas, read our articles on D.C. auto insurance and Maryland auto insurance. Not leaving the state anytime soon? Read more about getting car insurance in Virginia below.