Virginia Car Insurance

Types of auto coverage available in Virginia

Here’s a rundown of the main types of auto coverage available in Virginia:

Liability

• Covers the cost of injury to others and damage to their property when you’re at fault
• Required by law in nearly all states

Collision

• Pays to repair or replace your own vehicle when you’re at fault
• Covers collisions with other vehicles, objects, and animals

Comprehensive

• Covers damage to your car caused by things besides a collision
• Includes hail, wind, theft, fire, vandalism, animal damage, and more

Uninsured / Underinsured Motorist

• Covers your losses caused by an uninsured or underinsured driver
• Helps payfor damage to your car and bodily injury to you and your passengers

Medical Payments

• Helps with the cost of medical care for you and your passengers resulting from injuries in an accident
• Provides this coverage no matter who’s at fault

Personal Injury Protection (PIP)

• Helps cover the cost of your rehabilitation and lost wages resulting from an accident
• Covers you no matter who’s at fault

Virginia auto insurance minimum coverage requirements

Below are the required auto coverage amounts in Virginia. Keep in mind that these are state minimums, not the actual amounts you may want. Your local Farmers agent can help as you select the right level of coverage for your needs.