Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
-
Read about our editorial standards here.
Compare Car Insurance Quotes in Virginia
Jerry is a free app trusted by 32,310 Virginia drivers that compares insurance quotes from top carriers.
-
Get personalized options in minutes.
-
Buy, bundle and switch right in the app.
-
Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
-
Certified Financial Education Instructor (CFEI) (2024)
-
General Lines Agent, Property & Casualty (2025)
-
14 years as a professional writer and editor
-
10 years covering personal finance
-
General Lines Agent, Property & Casualty (2022)
-
Awarded Agent of the quarter at Jerry (2023)
-
AS in Computer Science from Troy University of Montgomery
Average Virginia car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in Virginia, Jerry drivers pay:
-
$102 to $208 per month for state-mandated minimum coverage.
-
$195 to $417 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Virginians save an average of $506 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Virginia car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Virginia have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Virginia homeowners face hurricane and tropical storm risk along the coast, severe thunderstorms in the Piedmont and occasional flooding across the state. Bundling home and auto insurance is one of the simplest ways to bring those premiums down.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Virginia drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Virginia, shopping around helps you find the right fit.
That matters in Virginia, where Northern Virginia commuters deal with some of the worst traffic in the country, while drivers in Richmond, Virginia Beach, and the western part of the state face very different conditions. The state also allows drivers to pay an uninsured motorist fee instead of buying insurance, which adds another layer to the market. Jerry works with Virginia drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 16 trusted insurers in the Old Dominion state, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Virginia drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Virginia
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Virginia car insurance coverage requirements
Virginia drivers have to buy liability insurance coverage before they can legally drive their car. Minimum coverage requirements in this state include:
-
$50,000 for bodily injury or death of one person.
-
$100,000 for bodily injury or death of two people.
-
$25,000 for damage to other people’s property.
Of course, this is just the minimum coverage required in Virginia if you want to get behind the wheel. If you want to better protect yourself, your car and your assets, consider increasing your coverage limits or buying comprehensive and collision coverage, which many Jerry drivers do. Also keep in mind that nearly 13% of Virginia drivers are uninsured, so buying uninsured/underinsured motorist (UM/UIM) protection gives you even greater peace of mind.
-
Coverage Definitions
-
Who it pays: The other person, for injuries when you’re at fault in a crash.
-
What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
-
How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
-
Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
-
Who it pays: The other person, for property you damage in a crash.
-
What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
-
How it pays: Up to your policy’s limit. For example, $50K.*
-
Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
-
Who it pays: You, for damage to your own car.
-
What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
-
How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
-
Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
-
Who it pays: You, for damage to your own car.
-
What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
-
How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
-
Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
-
Who it pays: You and your passengers, for injuries and property damage.
-
What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
-
How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
-
Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
-
Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
-
What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
-
How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
-
Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
-
Who it pays: You and your passengers, for medical bills.
-
What it covers: Medical expenses after an accident, regardless of fault.
-
How it pays: No deductible. Pays up to your policy’s limit.
-
Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
-
Factors affecting Virginia car insurance rates in 2026
Coastal storms and flooding
In the Tidewater region and other low-lying areas, tropical systems bring flooding, storm surge and wind-driven debris. We recommend keeping comprehensive coverage to pay for non-collision storm damage, which is especially important in coastal ZIP codes.
Northern Virginia congestion
I-95, I-495 and the broader NoVA corridor create a daily grind of stop-and-go driving, merges and rear-end crashes. Consider carrying collision coverage so your repairs don’t depend on a fault decision. A telematics program like Jerry DriveShield can also help turn safer driving habits into a lower rate.
Deer collisions
Deer strikes spike in fall and early winter, especially on darker suburban and rural routes across the state. Comprehensive coverage typically pays for animal impacts, so it’s worth keeping if you drive outside the dense metro areas regularly.
Uninsured drivers
About one in eight Virginia drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
High-speed rural corridors
Outside the metro regions, Virginia has plenty of higher-speed roads where crashes tend to be more severe and injury costs climb quickly. Make sure your liability limits can handle a serious accident, not just the state minimum.
Construction zones and toll-road interchanges
Virginia drivers deal with near-constant roadwork and complex interchanges, especially along major commuter routes. Lane shifts and abrupt slowdowns are a recipe for fender benders. Stay alert through work zones and give yourself extra space during merges.
Average cost of car insurance in major Virginia cities
|
City
|
Average monthly cost
|
|---|
|
City
|
Average monthly cost
|
|---|---|
| $351 | |
| $322 | |
| $351 | |
| $282 | |
| $304 | |
| $338 | |
| $294 | |
| $318 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Virginia quotes in as little as 2 minutes.
Learn more about driving in Virginia
-
What to know about gifting a car in Virginia.
-
Learn how at-fault states affect your car insurance.
-
Understand the 6 main types of car insurance coverage.
-
Find out how much car insurance you need.
FAQ
-
Is Virginia an at-fault insurance state?
-
What happens if I am caught driving without insurance in Virginia?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.