Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Virginia apart
Raised minimums in 2025; the uninsured-motor-vehicle fee option is gone.
Minimum vs. full coverage in Virginia
What each coverage level costs on the Virginia average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $830 | $69 |
| Liability Only | $1,350 | $112 |
| Full | $2,450 | $204 |
| Full Low Deductible | $2,990 | $249 |
Minimum coverage saves about $1,623/yr vs full — but caps protection at 30/60/20. One at-fault crash above those limits and the gap is yours.
Virginia car insurance FAQ
- What's the minimum car insurance required in Virginia?
- Virginia's state minimum is 30/60/20 — $30k bodily injury per person, $60k per accident, $20k property damage. Minimum-only runs about $830/yr but leaves you exposed above those caps.
- How much is full coverage in Virginia?
- Representative full coverage averages $2,453/yr (about $204/mo), ranking Virginia #38 of 51 states for cost.
- Why is Virginia car insurance priced the way it is?
- Raised minimums in 2025; the uninsured-motor-vehicle fee option is gone.