Virginia Auto Insurance for First-Time Drivers
Virginia requires 50/100/25 liability coverage and is an at-fault state.
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Virginia at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
15½
Minimum learner's permit age, 45 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Virginia
Virginia operates as a traditional fault-based (tort) state, meaning the at-fault driver's insurance pays for damages in an accident. The Virginia Department of Motor Vehicles requires proof of financial responsibility at vehicle registration and during any traffic stop.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Virginia
$386/mo
Typical monthly rate in Virginia, new drivers
Rate data: Insurify, 2026
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Compare Rates for Drivers Under 25Rules for new drivers
Night driving
midnight-4am (secondary)
Passengers
no more than 1 passenger younger than 21 first year, then max 3 (secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
The only coverage Virginia legally requires — pays for injuries and property damage you cause to others. A premium is the amount you pay monthly or annually for coverage; your liability limit is the maximum your insurer will pay per accident.
Full Coverage
Combines liability, collision, and comprehensive into one policy. A deductible is the amount you pay out-of-pocket before insurance covers the rest — typical deductibles are $500 or $1,000.
Comprehensive Coverage
Covers damage from events other than collisions: theft, vandalism, weather, fire, and animal strikes. Your insurer pays the actual cash value (current market worth) of your vehicle minus your deductible.
Uninsured Motorist Coverage
Steps in when you're hit by a driver with no insurance or a hit-and-run driver who flees the scene. Covers your medical bills, lost wages, and vehicle damage up to your selected limits.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another car or object, regardless of who was at fault. Your deductible applies each time you file a claim.
SR-22 Insurance
Not a separate coverage type — an SR-22 is a certificate your insurer files with the Virginia DMV proving you carry at least minimum liability coverage. Required after certain violations like DUI, reckless driving, or driving uninsured.