Cheap Virginia car insurance

Car insurance pricing is variable, but you do have some control over the coverages you choose and how you pay for them. As you’d expect, the more coverages you add to your policy—and the higher your limits—the more expensive your policy will likely be. That’s why, when comparing liability vs. “full coverage", liability-only policies are typically cheaper.

Like nearly every state, Virginia has minimum liability coverage requirements. With Dairyland® auto insurance, you can choose between 6-month and 12-month policy terms. Your payments are flexible in the sense that you can choose to:

• Pay for the entire term up front, or

• Make a down payment and pay the rest in monthly installments

If you choose to make a down payment, the amount is based on your policy length:

• 6-month policies: 16.66% of the total policy cost

• 12-month policies: 8.33% of the total policy cost

Keep in mind that available billing options may vary.

All auto insurers in Virginia have a responsibility to offer certain coverages:

• Bodily injury liability

• Property damage liability

• Uninsured/underinsured motorist (bodily injury and property damage)

Your uninsured/underinsured motorist coverage limits can't exceed the bodily injury liability and property damage liability limits on your policy. Excess underinsured motorist (UIM) coverage is the default coverage, unless you reject it and opt for alternate coverage. With excess UIM coverage, your available UIM limits aren’t reduced by the underinsured motorist’s liability payments.

The minimum bodily injury liability coverage requirements in Virginia are:

• $30,000 bodily injury liability per person

• $60,000 bodily injury liability per accident

The maximums for this coverage are:

• $100,000 bodily injury liability per person

• $300,000 bodily injury liability per accident

• Minimum: $20,000 property damage liability per accident

• Maximum: $100,000 property damage liability per accident

As of January 1, 2025, Virginia’s minimum limits will increase to:

• $50,000 in bodily injury liability per person

• $100,000 in bodily injury liability per accident

• $25,000 in property damage liability per accident

If you've had your license suspended, restricted, or revoked within the last two years, you need to have an SR22 form on file with your insurance provider. An SR22 isn’t a type of car insurance policy—instead, it states that you understand you’re financially responsible in the event of an accident, and your insurance provider agrees to alert the state of Virginia should your insurance lapse or be otherwise canceled.

With Dairyland, you can file your SR22 form for free.

SR22s and FR44s are both used in Virginia. The main difference between SR22s and FR44s is the nature of the driving infraction that makes them necessary:

• SR22s are required for certain violations not involving the use of alcohol or illegal substances.

• FR44s are reserved for driving under the influence (DUI) or driving while intoxicated (DWI) infractions.

Your auto insurance provider files these forms on your behalf with the state of Virginia, and there’s no additional cost to you.

We offer the following car insurance discounts for Virginia drivers:

• Multi-car

• Prior insurance (transfer)

• Homeowners

• Paid in full

• Quarterly

• Defensive driver course

• Advanced quote

These state resources can help you ensure you're set up to legally and safely drive in Virginia.

As a Virginia resident, you must meet these requirements to legally drive in the state:

• Pass a driver skills test to prove your driving ability and understanding of Virginia road laws

• Possess the proper driving permit or license

• Provide proof of auto insurance when you register your car

If you're a new resident of Virginia, you must title your vehicle in Virginia. To obtain a title in the state, you must:

• Disclose an accurate odometer reading

• Possess a bill of sale for the vehicle

Please check with your local Virginia Department of Motor Vehicles (DMV) office to learn more about driving laws in your city, town, or municipality. If you still have questions about driver requirements or the laws governing the state of Virginia's roads, here are some informative links for drivers in the state:

• Virginia Driver's Manual

• Teen Driving Restrictions

• Virginia Legal Code | Chapter 8: Regulation of Traffic

The Virginia Department of Transportation offers a range of travel and safety resources.

The office of the Virginia Insurance Commissioner offers valuable state-specific information on car insurance, renters and homeowners insurance, health insurance, and more.