Virginia Auto Insurance

Virginia uses a Tort insurance system, which means that if you cause an accident, you will be in charge with covering all expenses, including eventual medical bills of injured people.

Minimum Liability Requirements in Virginia

As of April 2026, Virginia requires drivers to carry minimum liability coverage of 50/100/25 — at least $50,000 in bodily injury liability per injured person, up to $100,000 per accident, and $25,000 in property damage liability. The state also requires uninsured/underinsured motorist coverage, including uninsured motorist property damage.

Source: CarInsurance.com, "US State Minimum Liability Car Insurance Requirements," updated April 15, 2026.

Average Car Insurance Premiums in Virginia

Drivers in Virginia pay an average of $2,871 a year for full-coverage car insurance — 2% below the national average of $2,922 a year.

Source: Experian, "Car Insurance Average Costs by State," published September 9, 2026.

About driving and using a cellphone

The state of Virginia has passed several laws regarding the use of cellphones when driving. Drivers may not engage in text-based communication while operating a vehicle. School bus drivers, as well as new drivers in the Graduated Driver Licensing (GDL) program, are banned from using a cellphone altogether while driving a car.

Teenage driving regulations

Aspiring teenagers may join the GDL program once they are 15 and a half years. By the time they get their unrestricted license, kids have several restrictions to face:

• they may not drive unless assisted by a licensed parent, a licensed legal guardian or a driver of legal age;
• the supervising driver must always sit in the passenger’s seat;
• they may drive between midnight and 4 am only if they are on their way to/from school, work or in case of an emergency;
• during the first six months, they may not carry passengers younger than 20, unless they are immediate family members.

Penalties for driving uninsured in Virginia

If you drive without insurance in Virginia, your driver’s license and vehicle registration privileges will be suspended. You will then get a SR-22 filing requirement for three years, charged a statutory fee of $500 and a reinstatement fee of $250.

AutoInsuranceQuery editorial team. Last reviewed: September 16, 2026.