Auto Insurance in Virginia

House Bill 1077 raised Virginia's minimum liability limits from 30/60/20 to 50/100/25, effective July 1, 2025. Bodily injury coverage per person rose from $30,000 to $50,000, per-accident coverage rose from $60,000 to $100,000, and property damage coverage rose from $20,000 to $25,000. The change applies to policies issued or renewed on or after that date, so Virginia drivers renewing a policy for the first time since mid-2025 may notice a premium change tied to the new required minimums.

According to MoneyGeek's 2026 Virginia rate analysis, Virginia drivers pay an average of $97 per month for full coverage and $53 per month for minimum coverage, both below the national average. Your exact rate depends on your ZIP code, driving record, vehicle, and the coverage limits you choose, which now start at the higher 50/100/25 minimum. As an independent broker, we compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find your most competitive rate under the new requirements.

Virginia is an at-fault state. The driver who causes an accident is responsible for the other party's property damage and medical expenses through their liability coverage. Virginia also requires uninsured motorist coverage at the same limits as your liability coverage, which matters given how many drivers on Virginia roads carry only the state minimum or no coverage at all.

Often yes. An independent agent compares multiple carriers for your specific driver profile rather than quoting only one company. Dragon Insurance compares 30+ carriers in one call, including Progressive, Safeco, Liberty Mutual, and The General. With Virginia's minimum coverage requirements now higher under House Bill 1077, comparing carriers is the most reliable way to keep your premium competitive at the new limits.

Yes. Non-standard carriers like The General specialize in coverage for Virginia drivers with a DUI history, multiple violations, or a prior coverage lapse. We also handle SR-22 filings for Virginia license reinstatement after a suspension. Rates will be higher than a clean-record policy, but coverage is available, and comparing carriers still makes a meaningful difference.

Yes. Virginia law requires every registered vehicle to carry continuous liability insurance meeting the state's minimum limits, or the owner must pay an uninsured motor vehicle fee to the DMV instead. The Virginia DMV verifies coverage electronically through its Insurance Verification Program, and a lapse in coverage can trigger registration suspension and reinstatement fees. Maintaining continuous coverage at the new 50/100/25 minimum avoids this entirely.

Yes. Dragon Insurance is licensed in Virginia and serves Richmond, Henrico, Chesterfield, Virginia Beach, Norfolk, Chesapeake, Alexandria, Arlington, and communities across the Commonwealth. We compare 30+ carriers for auto, home, renters, and business insurance entirely by phone and online. See our Richmond, VA auto insurance page for local details.