Cheap Car Insurance in Virginia
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Virginia Car Insurance Minimums
Virginia requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$50,000
Bodily Injury (per accident)
$100,000
Property Damage
$25,000
- Uninsured motorist bodily injury: $50,000/$100,000
- Underinsured motorist
- Uninsured motorist property damage: $25,000
At-fault (tort) state.
Source: Va. Code § 38.2-2206; § 46.2-472 (https://law.lis.virginia.gov/vacode/title38.2/chapter22/section38.2-2206/), verified 2026-09-01.
What drives car insurance rates in Virginia
Average spend per insured vehicle, 2023
$1,114
Virginia drivers spent $1,114 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
68.6¢
Auto insurers in Virginia paid 68.6 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.04
Virginia recorded 917 traffic deaths in 2024, 1.04 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
112.1
Virginia reported 9,958 motor vehicle thefts in 2025, 112.1 per 100,000 residents, from 145.1 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#26
FEMA ranks Virginia #26 of 51 for expected annual loss from natural hazards; flood accounts for 60% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Virginia
The ten insurer groups that wrote the most auto premium in Virginia in 2025, with their share of the state total of $9.0 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 18.25% | $1.6 billion |
| 2 | Progressive Group | 16.22% | $1.5 billion |
| 3 | Berkshire Hathaway Group | 14.69% | $1.3 billion |
| 4 | United Services Automobile Association Group | 13.58% | $1.2 billion |
| 5 | Allstate Insurance Group | 13.22% | $1.2 billion |
| 6 | Erie Insurance Group | 4.59% | $413 million |
| 7 | Nationwide Corp Group | 2.89% | $260 million |
| 8 | Virginia Farm Bureau Group | 2.17% | $195 million |
| 9 | Travelers Group | 2.03% | $182 million |
| 10 | Liberty Mutual Group | 1.76% | $158 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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