Virginia
- ~$40–$55
- ~$110–$140
- $25K/$50K/$20K
Virginia features a varied car insurance landscape with a mix of urban centers like Richmond and Northern Virginia suburbs, plus rural areas. The state follows a fault-based liability insurance system with mandatory minimum coverage.
Find a local Auto Insurance agents in your town:
Virginia Auto Insurance Facts *
Drivers
- ~6.3–6.5 million licensed drivers as of 2023.
- ~90% household vehicle ownership.
- Wide use of passenger cars, SUVs, and pickups.
- Uninsured motorist rate around 12%.
- Public transit mainly in urban and suburban areas.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~32,500 | ~8,900 | 390 |
| 2019 | ~33,000 | ~9,200 | 400 |
| 2020 | ~29,000 | ~7,900 | 370 |
| 2021 | ~31,000 | ~8,300 | 385 |
| 2022 | ~31,500 | ~8,400 | 380 |
Laws & Regulations
- Fault-based liability system.
- Mandatory proof of insurance at vehicle registration.
- Optional personal injury protection.
