Virginia requires 25/50/20 coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Learn more about state requirements at our state insurance guide.

No, driving without liability insurance is illegal in Virginia unless you pay an uninsured motorist fee of $500 annually, which doesn't provide coverage.

Costs vary based on factors like driving history, location, and coverage limits. On average, liability-only policies range from $400 to $800 annually. Get a personalized quote at our quote tool.

It covers damages or injuries you cause to others in an at-fault accident, including medical expenses and property repairs, up to your policy limits.

While liability is the minimum, additional coverages like collision or comprehensive can protect your vehicle. Explore options at our full coverage guide.

An SR-22 is a certificate proving you carry the required insurance, often needed for high-risk drivers. Learn more at our SR-22 guide.

Drivers with DUIs, reckless driving convictions, or lapsed insurance may need an SR-22 to reinstate their license.

Typically, 3 years, but it depends on the violation. Your insurer files it with the DMV.

Yes, liability insurance can meet SR-22 requirements if it meets Virginia's minimum coverage levels.

Yes, we work with carriers to provide SR-22 filings and affordable coverage. Contact us at our about page.

Compare quotes, maintain a clean driving record, and bundle policies. See tips at our rate-lowering guide.

Yes, insurers may use credit-based insurance scores to set rates. Learn more at our credit guide.

Yes, discounts for safe driving, bundling, or paying in full are common. Check with our discount guide.

Rates may rise due to accidents, tickets, or market changes. Read more at our rate increase guide.

Yes, by comparing quotes and choosing minimum coverage. Start at our cheap insurance guide.

No, it only covers damages to others. For your vehicle, consider comprehensive or collision coverage.

It may extend to rental cars, but check your policy. Learn more at our rental car guide.

No, theft is covered by comprehensive insurance, not liability. See our theft guide.

An insurance lapse can lead to fines, license suspension, or SR-22 requirements. Learn more at our lapse guide.

Yes, but you must maintain continuous coverage or face penalties. See our cancellation guide.

Yes, unless you pay the $500 uninsured motorist fee, which offers no coverage. See our mandatory insurance guide.

Virginia's tort system means the at-fault driver's insurance pays for damages, making liability coverage critical.

It's not mandatory, but highly recommended to protect against uninsured drivers.

Yes, motorcycles require liability insurance. Learn more at our motorcycle insurance guide.

Yes, we offer RV insurance alongside liability coverage for all vehicles.

Contact your insurer immediately after an accident, provide details, and submit required documents like police reports.

Uninsured motorist coverage can help, or you may need to pursue legal action. See our insurance guide.

It covers medical bills for others injured in an accident you caused, up to policy limits.

Claims typically take 30-60 days, depending on complexity and cooperation between parties.

We guide you through the process and connect you with top insurers to resolve disputes efficiently.