Auto Insurance Coverage that Fits your Car & Budget
We help Virginia drivers find coverage for everyday cars, family vehicles, new drivers, high-risk drivers, and drivers who need DMV filing support..
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“Car insurance should not feel confusing. Our job is to help you understand what coverage you need, what affects your price, and how to choose a policy that protects you without overpaying
Virginia drivers must carry auto insurance that meets the state’s minimum liability requirements. For policies effective on or after January 1, 2025, Virginia’s minimum limits are:
| Required Liability Coverage | Virginia Minimum |
|---|---|
| Bodily injury or death of one person | $50,000 |
| Bodily injury or death of two or more people | $100,000 |
| Property damage | $25,000 |
These limits are the minimum required by Virginia. Many drivers choose higher limits for stronger financial protection.
Also important: Virginia eliminated the old uninsured motor vehicle fee option. Drivers who previously paid that fee now need an insurance policy that meets or exceeds Virginia’s liability limits.
How Much Does Car Insurance Cost in Virginia?
Car insurance prices in Virginia can vary depending on your age, driving record, vehicle, location, coverage level, deductible, and insurance company.
As public benchmarks, Bankrate estimates Virginia car insurance averages around $2,070 per year, or $172 per month, for full coverage, and around $753 per year, or $63 per month, for minimum coverage. Experian’s 2026 data estimates Virginia car insurance around $2,268 per year, or $189 per month. Your real quote can be higher or lower.
| Driver Situation | Possible Monthly Range |
|---|---|
| Minimum liability coverage | $60–$120/month |
| Standard full coverage | $150–$250/month |
| New driver / high-risk driver | $250–$500+/month |
| SR-22 or FR-44 driver | Varies based on violation, filing, and coverage |
These are example ranges, not guaranteed prices. The fastest way to know your real cost is to request a quote.
What Does Motorcycle Insurance Cover?
It can include several types of protection. Some coverage helps meet Virginia’s legal requirements, while other options help protect your motorcycle, gear, and budget.
Liability Coverage
Helps pay for injuries or property damage you cause to others in an accident.
**However, minimum liability Limits may not be enough if a serious accident costs more than your policy limit**
Collision Coverage
Helps pay to repair or replace your car if you hit another vehicle, hit an object, or your car is damaged in an accident.
Comprehensive Coverage
Helps protect your vehicle from non-collision damage, such as theft, vandalism, fire, falling objects, weather damage, or certain storm-related losses.
Uninsured / Underinsured Motorist Coverage
Help protect you if another driver causes an accident and does not have enough insurance to pay for the damage.
Medical Payments Coverage
Helps pay medical costs after an accident, for you and your passenger
Rental Reimbursement
Helps pay for a rental car to use, if your vehicle is being repaired after a covered claim.
Roadside Assistance
Helps with towing, dead battery, flat tire, lockout service, fuel delivery, or emergency help on the road.
Liability Only vs Full Coverage Car Insurance
Liability-only coverage can help you meet Virginia’s minimum requirements, but it usually does not pay to repair or replace your own car.
Liability-only may make sense if:
- Your car is older
- Your car has low replacement value
- You want the lowest monthly payment possible
- You only need basic legal coverage
Full Coverage Car Insurance makes sense if :
- Your car is financed or leased
- Your vehicle is newer
- Your car would be expensive to replace
- You want theft and weather protection
- You want coverage for damage to your own vehicle
What Affects Car Insurance Cost in Virginia?
Your car insurance price can change based on:
- Your age
- Driving record
- Previous accidents or tickets
- Vehicle make, model, and year
- Location in Virginia
- Annual mileage
- Coverage limits
- Deductible amount
- Credit/insurance score, depending on carrier rules
- Whether you choose liability-only or full coverage
- Whether you need SR-22 or FR-44 filing
- Available discounts
- Bundling with renters, homeowners, or motorcycle insurance
For example, a driver with a clean record and an older vehicle may pay much less than a new driver with a financed car and full coverage.
Looking for Cheap Car Insurance in Virginia?
Cheap car insurance does not always mean choosing the lowest price.
A very cheap policy may meet the legal minimum, but it may leave you exposed if you cause a serious accident or need your own car repaired.
Shore Tax and Insurance can help you compare available options and look for affordable coverage that still makes sense.
Lower Costs
To lower your cost without weakening your protection too much, you can review:
- Higher deductible options
- Bundling auto with renters or homeowners insurance
- Safe driver discounts
- Multi-car discounts
- Payment-in-full discounts
- Good student discounts
- Vehicle safety features
- Coverage limits that match your real needs
How to Get a Car Insurance Quote in Virginia
Getting a Motorcycle Insurance Virginia quote with Shore Tax and Insurance is simple and quick:
1. Tell Us About Your Vehicle
We’ll ask about your car’s year, make, model, usage, and whether it is financed or paid off.
2. Tell Us About the Drivers
We’ll review who needs to be listed on the policy and basic driving history.
3. Choose Your Coverage
We help you compare liability, full coverage, deductibles, roadside assistance, rental reimbursement, and other options.
4. Get Covered
Once you choose the policy, we help you move forward and get proof of insurance.
Need Help with SR-22?
Need Help with FR-44?
Tailored Solutions:
Customized insurance coverage that meets the specific needs of your Virginia business, ensuring you’re protected against unique risks.
Bilingual Support:
Comprehensive support in both English and Spanish, facilitating clear communication for Virginia’s diverse business community.
Fast Claims Process:
A streamlined, efficient claims process to minimize disruption and get your business back on track swiftly.
Industry Expertise:
Deep understanding of local industries, offering insights and coverage to protect against specific risks.
Customer Service Commitment:
Unwavering dedication to your peace of mind, with a focus on partnership and exceptional service throughout your journey with us.
FAQs 1
Q: How much does non-owner SR-22 insurance cost in Virginia?
A: The cost of non-owner SR-22 insurance in Virginia varies based on factors like your driving history, location, and the chosen coverage levels. It’s important to note that SR-22 filing fees are an added expense on top of your insurance premiums. We can provide a personalized quote to give you an accurate cost estimate.
Q: Can I get an SR-22 if I have a suspended license?
A: Yes, in fact, an SR-22 is often a requirement to reinstate a suspended license in Virginia. We’ll guide you through the necessary steps and work with you to secure the insurance needed to fulfill DMV requirements.
Q: How long do I need to carry an SR-22 in Virginia?
A: The Virginia DMV typically mandates a specific SR-22 period, often three years. Maintaining continuous coverage during this time is crucial to avoid further license suspension. We’ll make sure you know the exact timeframe that applies to your situation.
Get a free Auto Insurance Quote Today!
Protect your car, your budget, and your peace of mind.
Whether you need minimum liability, full coverage, SR-22, FR-44, or help comparing options, Shore Tax and Insurance can help you choose coverage that fits your situation.