Free Virginia Car Insurance Quotes

Read more about other optional policy features and coverages:

• Accident forgiveness
• Declining deductibles
• Enhanced roadside and ride assistance
• Vehicle replacement plus
• Rental coverage or rental alternative coverage
• New original parts
• $100 glass deductible
• Rideshare and food delivery coverage
• Contents fire

What liability insurance is required in Virginia?

Both bodily injury liability and property damage liability insurance are required in Virginia in the following minimum amounts:

• $50,000 bodily injury liability per person
• $100,000 bodily injury liability per accident (total for all injuries)
• $25,000 property damage liability per accident

What “50/100/25” means:

• 50 = up to $50,000 for injuries to one person in an accident you cause
• 100 = up to $100,000 for injuries to multiple people in the same accident
• 25 = up to $25,000 for property damage, such as the other driver’s car

How much is car insurance in Virginia?

Virginians paid an average of $1,238 a year for full coverage (liability, collision and comprehensive) in 2023, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s less expensive than the national average of $1,438 per year for full coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

Save money with Virginia car insurance discounts

Farmers offers a variety of discounts for eligible drivers in Virginia. For example:

Welcome Discount

New to Farmers? You may qualify for a discount just for switching to a Farmers auto policy. It’s one of the easiest ways to start saving from day one.

Loyalty Discount

The longer you stay with Farmers, the more you may save. Loyal customers who maintain continuous coverage may qualify for a discount that grows over time.

Five-Year Accident-Free Discount

If you’ve gone five years without an at-fault accident, you may qualify for this discount, a reward for your consistent safe driving on Virginia roads.

Signal^®

Signal is the Farmers safe driving app, and it can reward you with an initial discount just for signing up, plus additional savings based on your driving behavior. It’s an easy way to turn safe habits on Virginia roads into lower rates.

Virginia auto insurance bundling discounts and benefits

Bundling insurance can help you save money and time, and avoid accidental gaps in coverage. Bundling a Farmers car and home policy can save you up to 10% or more off both. To save even more, talk to a Farmers agent about bundling renters insurance or more than one car, or with condo, RV, life and umbrella policies.

Factors that affect your Virginia car insurance rates

While every insurer uses its own rating methods, premiums are often based on your level of risk, the vehicle you drive and where you live. You may be able to lower your premium by maintaining a safe driving record, choosing a higher deductible, qualifying for discounts or bundling your auto policy with other insurance coverage.

Factors that may affect your car insurance rate in Virginia include:

• Your age and driving experience
• Your driving record and claims history
• The type, value and safety features of your vehicle
• How much you drive each year
• Your ZIP code and local accident or theft rates
• The coverage limits and deductible you choose
• Available discounts, such as bundling policies

Is Virginia a no-fault state?

No. Virginia is an at-fault state, which means the driver who causes an accident is responsible for the resulting injuries and property damage. That’s different from no-fault states, where personal injury protection (PIP) coverage can help pay certain costs like medical expenses and lost wages after an accident, regardless of who caused it. In Virginia, medical payments (MedPay) coverage is available to help pay medical costs for you or your passengers after a covered accident, regardless of fault.

How to get an auto insurance quote in Virginia

Have this information at your fingertips to help make getting a Virginia car insurance quote quick and easy.

Drivers and household details

• Name and date of birth
• Address and phone number
• Driver’s license number
• Household occupants (drivers and nondrivers), ages and driving history
• Commute, including how many miles, how often and what hours
• Current insurance information

Vehicle information

• Make, model and year
• License plate number
• Vehicle identification number (VIN)
• Current mileage/odometer reading
• Purchase date
• Loan or lease documentation, if applicable

Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Insurance Company of Washington (Bellevue, WA) or affiliates. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance Company, Mid-Century Insurance Company of Texas or Texas Farmers Insurance Company. In NY: insurance is underwritten by Farmers Insurance Exchange, Truck Insurance Exchange, MidCentury Insurance Company or Farmers New Century Insurance Company. Home office, Los Angeles, CA. Each insurer has sole financial responsibility for its own insurance. List of all insurers and states where licensed at farmers.com/companies/state/. Not all insurers are authorized in all states. Not all products, coverages, and discounts are available in every state and may vary by state. Restrictions, exclusions, limits and conditions apply. See agent for details.