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.
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.
