Affordable Virginia car insurance that puts you first
Root rewards Virginia drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Virginia auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Virginia auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in The Old Dominion
Virginia drivers go from Beltway traffic to Blue Ridge views in a matter of hours. Northern Virginia gets plenty of attention, but Richmond, Norfolk, Roanoke, and communities across the Commonwealth offer entirely different driving experiences.
Northern Virginia: I-95, I-66, and the Capital Beltway carry commuters through Arlington, Alexandria, and surrounding communities.
Across the Commonwealth: I-64 connects Richmond with Charlottesville and Hampton Roads, while I-81 follows the Shenandoah Valley past Winchester, Harrisonburg, and Roanoke.
Bridges and tunnels included: VDOT maintains Virginia’s roads, bridges, and tunnels, while the Virginia DMV handles driver and vehicle services.
From Richmond to Norfolk and beyond: Explore Virginia car insurance from Root.
Virginia's minimum auto insurance requirements
Virginia requires all drivers to carry Liability insurance and Uninsured/Underinsured Motorist (UM/UIM) Coverage. Driving without the required insurance could result in suspension of your driver’s license, vehicle registration, license plates, and reinstatement fees.
The minimum coverage amounts required for drivers in Virginia are [1]:
Bodily injury liability
$50,000 per person
$100,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist coverage
Virginia also requires UM/UIM coverage. UM/UIM bodily injury limits must be at least the state minimum requirements and cannot exceed the bodily injury liability limits selected on your policy.
$50,000 bodily injury per person
$100,000 bodily injury per accident when multiple people are injured
$25,000 property damage
Types of Virginia auto insurance we offer
Explore our Virginia car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Virginia?
The average Virginia driver pays $1,835 per year for full coverage car insurance [2].
Root customers looking to purchase Virginia car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Virginia Auto Insurance FAQs
What is the minimum car insurance required in Virginia?
Virginia drivers must meet the state’s financial-responsibility requirements. Most drivers do this by carrying liability insurance with at least $50,000 in bodily injury coverage per person, $100,000 per accident, and $25,000 in property damage coverage. Virginia also allows certain approved alternatives to an auto insurance policy.
Virginia auto insurance policies also include uninsured/underinsured motorist (UM/UIM) coverage. UM/UIM limits must be at least the state minimum and generally equal the liability limits selected on your policy, unless you reject the additional UM/UIM coverage above the minimum.
To avoid serious expenses in the event of a major accident, you should also consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
Is it legal to drive without insurance in Virginia?
You must meet Virginia’s financial-responsibility requirements to drive and keep a registered vehicle on the road. Most drivers do this with an auto insurance policy, but Virginia also allows certain approved alternatives, including a surety bond, a deposit of money or securities, or a self-insurance certificate.
If you don’t meet these requirements, your driver’s license, vehicle registration, and license plates could be suspended.
Do you need insurance to register a vehicle in Virginia?
Virginia requires registered vehicles to meet the state’s financial-responsibility requirements. Most vehicle owners meet this requirement with auto insurance, which must remain in effect while the vehicle is registered. Virginia also recognizes certain approved alternatives to an insurance policy.
If your liability insurance ends during the registration period, you must reinsure the vehicle, deactivate your license plates, or surrender them to the Virginia DMV.
How do I lower my car insurance rate in Virginia?
The easiest ways to save on your Virginia car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Old Dominion.
Is Virginia a no-fault car insurance state?
No, Virginia is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Virginia?
Virginia law does not require drivers to carry collision coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for physical damage to your own vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Virginia?
Virginia auto insurance policies include uninsured/underinsured motorist coverage. UM/UIM limits must be at least the state minimum and generally equal the bodily injury and property damage liability limits selected on your policy. You can reject the additional UM/UIM coverage above the minimum.
UM/UIM coverage helps cover bodily injury and property damage caused by an uninsured or underinsured driver. You can review your coverage options in our app.
Does Root offer full coverage car insurance in Virginia?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Virginia?
You may be required to file an SR-22 if you’ve been convicted of voluntary or involuntary manslaughter resulting from a car accident, got a felony conviction involving a traffic law, were in a hit-and-run accident, or if you falsified your driver’s license, car registration, or insurance information. If you were caught driving without insurance, you may also have to file this certification.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
What is an FR-44 certification in Virginia?
You may need to file an FR-44 certification if you’ve received a DUI conviction or another serious conviction like maiming under the influence. With this filing, you’re required to increase your Liability insurance limits to:
$100,000 Bodily Injury per person, per accident
$200,000 Bodily Injury per accident (multiple people injured)
$50,000 Property Damage
What happens if I'm partly at fault for an accident in Virginia?
Virginia is one of the few states that follow a pure contributory negligence rule. If you're found even slightly at fault for an accident, you generally can't collect damages from the other driver. That makes coverage that protects you regardless of fault, like MedPay and collision, especially valuable.
What is required to reinstate your license and registration after an insurance suspension in Virginia?
If your driver's license and vehicle registration are suspended for failing to meet Virginia’s insurance requirements, you'll need to take the following steps to get them reinstated:
Pay a $600 noncompliance fee
File an SR-22 and maintain proof of financial responsibility for three years
Pay the applicable driver’s license reinstatement fee
Helpful resources for Virginia drivers
Virginia Department of Motor Vehicles
The Virginia DMV issues driver's licenses and ID cards, manages vehicle titles and registrations, and maintains driving records.
Virginia Department of Transportation
Virginia Bureau of Insurance
The Bureau of Insurance regulates insurance in Virginia and helps consumers with insurance questions and complaints.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Virginia Department of Motor Vehicles. Insurance Requirements.
Insure.com. Annual average rates were compiled in 2026.