Cheapest Full Coverage Car Insurance in Virginia
Full coverage bundles Virginia’s required liability with comprehensive and collision so your own car is protected too. As an independent broker, we shop multiple carriers to find the lowest compliant rate for your driving history — not a single company’s price.
Licensed in 35 states · 26,000+ clients served · Quotes compared across multiple carriers
Quick Answer
“Full coverage” in Virginia isn’t a legal term — it means a policy that adds comprehensive and collision on top of Virginia’s required liability limits of 30/60/20. The state doesn’t mandate full coverage, but lenders require it on any financed or leased car. The cheapest full coverage comes from comparing carriers, keeping a clean record, and stacking discounts — our own Virginia quotes show the best monthly premium can swing more than $200 between carriers for a similar driver.
- What it is
- Liability + comprehensive + collision
- Required by state?
- No — lenders require it on financed cars
- VA liability minimum
- 30/60/20 (raised Jan 1, 2025)
- Typical deductible
- $500–$1,000 comp & collision
- Biggest savings levers
- Clean record, bundling, higher deductible
- DUI in Virginia?
- FR-44 required — 50/100/50 limits
Reviewed by Lauren McKenzie, Licensed Insurance Agent · Written by Jayleen Ridgeway · Last updated July 9, 2026
What is full coverage car insurance in Virginia?
Full coverage is a policy that combines Virginia’s required liability insurance with comprehensive and collision coverage, so both the other driver and your own vehicle are protected. There’s no policy literally called “full coverage” — insurers use the term for a package that goes beyond the state minimum.
- Liability: pays for the other party’s injuries and property damage when you’re at fault (required in Virginia).
- Collision: repairs your car after a crash with another vehicle or object.
- Comprehensive: covers non-crash losses — theft, vandalism, fire, weather, hitting an animal.
- Uninsured/underinsured motorist: protects you when the at-fault driver has no or too little coverage.
What does Virginia require, and what does full coverage add?
Virginia requires liability limits of 30/60/20 plus matching uninsured-motorist coverage as of January 1, 2025. Full coverage adds comprehensive and collision on top — required by lenders, optional otherwise.
| Coverage type | Virginia minimum | Recommended for full coverage |
|---|---|---|
| Bodily Injury Liability | $30,000 per person / $60,000 per accident | $100,000 / $300,000 |
| Property Damage Liability | $20,000 per accident | $50,000–$100,000 |
| Uninsured/Underinsured Motorist | $30,000 / $60,000 / $20,000 | Match your liability limits |
| Comprehensive & Collision | Not required by the state | Required by lenders · $500–$1,000 deductible |
Convicted of a DUI in Virginia? The state requires an FR-44 instead of an SR-22, with higher liability limits of 50/100/50. See our Virginia SR-22 & FR-44 page.
How much does the cheapest full coverage cost in Virginia?
There’s no single price — full coverage in Virginia is quoted per driver, and the same person can see monthly premiums that differ by more than $200 between carriers. Your rate is built from your driving record, the car you drive, your ZIP code, your credit-based insurance score, and the deductible you choose.
Because each carrier weighs those factors differently, the most reliable way to find your cheapest full-coverage rate is to run your exact profile across several carriers at once instead of accepting the first quote. For a typical Virginia driver, full coverage tends to land in the low-to-mid $100s per month — higher in Northern Virginia and Hampton Roads, lower in smaller inland cities — but your own quote is the only number that counts.
As a real-world reference, here is a sample of full-coverage quotes our licensed agents have collected in Virginia, shown as the average monthly premium by carrier:
Average monthly full coverage by carrier
- Pricing ranges from $49.64 (GAINSCO) to $266.22 (Progressive) ... a spread of $216.58.
- Based on real auto insurance quotes grouped into 5 company results, the average across this view is $171.09. The spread is about 436% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2368 | 12Zz9HdAGUR6P5K4GTg6oh9cuCswdij2 | 2026-05-06 | VA | PETERSBURG | 23803 | 1997 | Lincoln | Town Car | 22 | female | single | liability_only | Progressive | 110.79 | 0 | 0 | 0 |
| 2007 | 1_hnGc9q9SdQzQZvFTacygaJyo-4r5WV | 2026-03-25 | VA | STANTON | 24401 | 2026 | Nissan | Sentra | 24 | female | single | full_coverage | Progressive | 421.65 | 0 | 0 | 0 |
| 1697 | 20260223-075650-5747 | 2026-02-23 | VA | DINWIDDIE | 23841 | 2007 | DODGE | CHARGER SE | 36 | female | single | liability_only | National General RAD Select DynamicDrive | 200.90 | 0 | 0 | 0 |
| 1697 | 20260223-075650-5747 | 2026-02-23 | VA | DINWIDDIE | 23841 | 2007 | DODGE | CHARGER SE | 36 | female | single | liability_only | National General RAD Select DynamicDrive | 200.90 | 0 | 0 | 0 |
| 1406 | 20251122--8092 | 2025-11-22 | VA | COURTLAND | 23837 | 2022 | FORD | ECOSPORT S | 27 | female | single | full_coverage | National General | 246.95 | 5 | 0 | 0 |
| 1405 | 20251219-104454-9402 | 2025-12-19 | VA | RAPHINE | 24472 | 2005 | BUICK | LESABRE CUSTOM | 39 | female | single | liability_only | National General | 64.85 | 0 | 0 | 0 |
| 1404 | 20260109-104400-3608 | 2026-01-09 | VA | LA CROSSE | 23950 | 34 | male | single | unknown | GAINSCO | 49.64 | 1 | 0 | 0 | |||
| 1403 | 20260109-104318-2890 | 2026-01-09 | VA | STAFFORD | 22556 | 2004 | HONDA | ODYSSEY EXL | 39 | female | single | liability_only | Dairyland Auto | 247.45 | 0 | 0 | 0 |
| 1403 | 20260109-104318-2890 | 2026-01-09 | VA | STAFFORD | 22556 | 2004 | NISSAN | SENTRA 1.8 | 39 | female | single | liability_only | Dairyland Auto | 247.45 | 0 | 0 | 0 |
| 1402 | 20251124-1234-1720 | 2025-11-24 | VA | GLADYS | 24554 | 2014 | SUBARU | FORESTER 2.5I | 45 | male | single | full_coverage | DynamicDrive | 113.75 | 1 | 0 | 0 |
Based on A Plus Insurance’s own Virginia quotes; averages update as new quotes are collected and are not a guaranteed rate. Your price depends on your driving record, vehicle, location, and coverage selections.
Want your real Virginia number? We’ll compare full-coverage quotes across carriers so you see the lowest one for your exact profile.
Does an SR-22 or FR-44 change your full coverage price?
The filing itself is only a small fee — but the violation behind it, usually a DUI, is what raises the premium.
In Virginia a DUI requires an FR-44 with higher 50/100/50 liability limits, which pushes a full-coverage rate well above a clean-record quote. Because carriers price high-risk drivers very differently, comparing several is where the savings are.
See our Virginia SR-22 & FR-44 page for filing details and requirements.
What affects your Virginia full coverage rate?
Insurers price full coverage on risk — your record, your car, your location, and in Virginia, your credit-based insurance score all move the number.
- Driving record: a clean record earns the cheapest rates; a single ticket can raise a premium 20–40%.
- Vehicle: safe, moderately priced cars cost less to insure than high-value or high-theft models.
- Credit-based insurance score: Virginia allows it, so stronger credit often means a lower rate.
- Location: urban ZIP codes (Northern Virginia, Hampton Roads) run higher than rural areas.
- Deductible: choosing $1,000 instead of $500 on comp & collision lowers your premium.
What discounts lower full coverage in Virginia?
Stacking discounts is the fastest way to cut a full-coverage premium — most drivers qualify for several at once.
| Discount | Typical savings | How to qualify |
|---|---|---|
| Multi-policy (bundle) | 10–25% | Add homeowners insurance to your auto policy |
| Safe driver | 10–30% | Clean driving record for 3+ years |
| Multi-vehicle | 10–25% | Insure more than one car on the policy |
| Good student | 10–25% | Maintain a B average or higher |
| Defensive driving course | 5–15% | Complete a state-approved course |
| Vehicle safety features | 5–30% | Anti-theft, airbags, ABS, and similar |
Related insurance services in Virginia
We cover more than auto. Bundle or add a line to save across the board:
- SR-22 & FR-44 Insurance — required after serious violations or a DUI
- Motorcycle & RV Insurance — protect all your vehicles
- Business Insurance — commercial coverage solutions
- Homeowners Insurance — bundle and save
- Auto Insurance Guide — coverage basics and vehicle tips
- Fairfax County Auto Insurance — local rates for Northern Virginia
Virginia Full Coverage FAQs
What exactly is “full coverage” car insurance in Virginia?
It’s a policy that adds comprehensive and collision to Virginia’s required liability coverage. The state doesn’t use the term “full coverage,” but it’s the package lenders require on financed or leased vehicles because it protects your own car, not just the other driver’s.
How do I get the cheapest full coverage car insurance in Virginia?
Compare quotes across multiple carriers, keep a clean driving record, stack every discount you qualify for, raise your deductible if you can absorb it, and bundle with home or renters insurance. Working with an independent broker like A Plus lets you compare several carriers in one call.
Does Virginia require uninsured motorist coverage?
Yes. As of January 1, 2025, Virginia requires uninsured/underinsured motorist coverage matching the liability minimums — $30,000 per person and $60,000 per accident for bodily injury, plus $20,000 for property damage. It protects you if you’re hit by a driver with no or too little insurance.
Can I get full coverage on an older car in Virginia?
Yes, but it may not be worth it. A common rule of thumb: if your car’s value is less than about 10 times the annual comprehensive-and-collision premium, dropping those coverages can make sense. We can help you run that math for your specific vehicle.
What’s the difference between comprehensive and collision coverage?
Collision covers damage from hitting another vehicle or object. Comprehensive covers non-collision losses — theft, vandalism, fire, weather, or hitting an animal. Full coverage includes both, along with your required liability.
Is full coverage required by law in Virginia?
No. Virginia only requires liability and matching uninsured-motorist coverage. Comprehensive and collision — the parts that make a policy “full coverage” — are required by lenders on financed or leased cars, not by the state.
Get your cheapest Virginia full coverage quote
Tell us about your car and driving history, and our licensed brokers will shop multiple carriers to find the lowest full-coverage rate you qualify for. Every step by phone, email, or text — no office visit needed.
