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Car Insurance Cost Estimator

Liability Car Insurance in Virginia

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Virginia's cheapest legal policy: the price and what it leaves out.

  • $58.the average monthly cost for liability.
  • 50/100/25.the minimum liability limits.
  • Most expensive state: 33rd of 51 (1st = highest).

How much liability costs in Virginia

In Virginia, liability-only car insurance averages $691 a year, or about $58 a month. For liability, Virginia is the 22nd most expensive state.

Coverage in VirginiaPer yearPer month
Liability$691$58
Collision$435$36
Comprehensive$232$19
Full coverage (all three)$1,358$113

Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).

What you're left paying at the minimum

Virginia requires liability limits of at least 50/100/25. That's $50,000 per person hurt, $100,000 for all people hurt in a single crash and $25,000 for damage to property belonging to others.

Other people are the ones liability pays. Fixing your own car is your own cost unless you add collision.

Any crash cost beyond what your limits cover can be claimed from you. Buying higher limits usually costs far less than the jump in protection it gives you.

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