Virginia Insurance
Licensed Virginia agents comparing 40+ carriers for auto, home, and commercial coverage. Serving Richmond, Virginia Beach, Norfolk, and communities across the Commonwealth.
Select Insurance Group offers auto, home, motorcycle, RV, and commercial insurance to Virginia residents and businesses. As an independent agency serving Virginia statewide, we compare rates from more than 40 carriers — including Progressive, Travelers, Safeco, and National General — to find competitive coverage. Virginia drivers must carry at least the state-minimum liability limits under its At-Fault (Contributory Negligence) system, and our licensed agents help you decide when higher limits or optional coverages like uninsured-motorist protection make sense. Call (980) 237-4297 for a free, no-obligation quote, or start one online in minutes. Se habla español.
Last updated: May 30, 2026
Virginia Auto Insurance Requirements & Minimums
| Coverage | VA Requirement |
|---|---|
| Fault System | At-Fault (Contributory Negligence) |
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $20,000 |
| Uninsured Motorist (required) | $30,000/$60,000 |
Virginia is one of only two states (along with New Hampshire) where you can legally drive without auto insurance by paying a $500 Uninsured Motor Vehicle fee to the DMV. This fee provides no coverage — you are personally liable for all damages.
Like Alabama and North Carolina, Virginia follows contributory negligence law. If you are even 1% at fault, you cannot recover damages from the other driver. High liability limits and UM/UIM coverage are essential.
Virginia requires Uninsured Motorist coverage for all insured drivers, providing critical protection in a state where some drivers legally operate without insurance.
Virginia's contributory negligence law and legal uninsured driving option make high limits essential. We recommend at least 100/300/100 liability with UM/UIM. Never pay the $500 uninsured fee — it provides zero protection and leaves you exposed to unlimited personal liability.
Virginia Home Insurance: Hurricane Coast to Blue Ridge
Virginia homeowners face hurricane and coastal flooding risk in Hampton Roads, severe thunderstorms across the Piedmont, and ice storms in the Blue Ridge Mountains. The state's diverse geography creates significantly different insurance needs depending on your location.
Hampton Roads (Virginia Beach, Norfolk, Newport News) is one of the most flood-vulnerable metro areas in the country, with sea level rise accelerating coastal flooding even during minor storms. Standard homeowners policies do not cover flood damage — separate flood insurance is essential for Hampton Roads homeowners.
Northern Virginia homeowners in the DC suburbs face a different challenge: rapidly appreciating property values that can leave dwelling coverage limits below actual replacement cost. We help Virginia homeowners conduct annual coverage reviews to ensure your policy keeps pace with local construction costs and home values.
Virginia Workers Compensation & Business Coverage
Virginia employers who fail to carry required workers compensation face fines up to $250/day for the period of non-compliance, plus criminal misdemeanor charges for willful violations.
Virginia requires workers compensation for employers with 2 or more employees in most industries, making it one of the strictest thresholds in the country. Farm employers and domestic service employers with fewer than 3 workers may be exempt.
Virginia's economy — anchored by federal government contractors in NoVA, military installations in Hampton Roads, and the Port of Virginia — creates specialized commercial insurance needs. From contractor liability for defense companies to marine cargo coverage for port operations, our agents structure programs that address Virginia's unique business risks.
Why Choose Select Insurance Group
in Virginia?
Expertise navigating Virginia's $500 uninsured fee option — we help you understand why insurance is always the better choice.
Contributory negligence knowledge that ensures your policy provides adequate protection under Virginia law.
Flood insurance coordination for Hampton Roads homeowners in sea-level-rise-affected areas.
Commercial insurance for Virginia's defense contractor, federal services, and port logistics industries.
Virginia Insurance Carrier Partners
We compare rates from these top-rated carriers — and more — to find the best coverage and price for Virginia residents.
| Carrier | File a Claim |
|---|---|
| Assurance America | 1-888-580-8134 |
| Dairyland | Start a claim · 800-334-0090 |
| Gainsco | Start a claim · 1-866-424-6726 |
| National General | Start a claim · 1-800-468-3466 |
| Progressive | Start a claim · 1-800-776-4737 |
| Travelers | Start a claim · 1-800-238-6225 |
We also place coverage with Safeco, Bristol West, Foremost, Kemper, Stillwater, Encompass, Olympus, and other top-rated carriers.
Need to file a claim with one of our carriers? Report a Claim
Virginia Office Locations & Cities We Serve
Cities We Serve in Virginia
Don't see your city? We serve all of Virginia. Call (980) 237-4297
Virginia Insurance Frequently Asked Questions
What are Virginia's minimum auto insurance requirements?
Virginia requires 30/60/20 liability coverage: $30,000 bodily injury per person, $60,000 per accident, and $20,000 property damage. Virginia also requires Uninsured Motorist coverage. Alternatively, you can pay a $500 Uninsured Motor Vehicle fee, but this provides no coverage whatsoever.
Can I drive without auto insurance in Virginia?
Technically yes — Virginia allows drivers to pay a $500 Uninsured Motor Vehicle fee to the DMV instead of carrying insurance. However, this provides zero coverage. If you cause an accident, you are personally liable for all medical bills, property damage, and legal costs. We strongly advise against this option.
How does contributory negligence affect my Virginia auto insurance?
Virginia follows contributory negligence, meaning if you are found even 1% at fault in an accident, you cannot recover any damages from the other driver. This makes carrying high liability limits and UM/UIM coverage critical for Virginia drivers.
Does Virginia require workers compensation insurance?
Yes. Virginia requires workers compensation for employers with 2 or more employees in most industries, one of the strictest thresholds in the country. Penalties for non-compliance include fines up to $250/day and possible criminal misdemeanor charges for willful violations.
Do I need flood insurance in Virginia?
Standard homeowners policies do not cover flood damage. If you live in Hampton Roads (Virginia Beach, Norfolk, Newport News) or any FEMA-designated flood zone, flood insurance is essential and likely required by your mortgage lender. Even outside flood zones, flooding from heavy rain or storm surge can affect Virginia properties.
Does Virginia require uninsured motorist coverage?
Yes. Every auto policy issued in Virginia must include Uninsured/Underinsured Motorist (UM/UIM) coverage at limits matching your liability coverage. This matters in Virginia, where some drivers legally operate uninsured by paying the state's $500 Uninsured Motor Vehicle fee — UM/UIM is your protection if one of them hits you.
How much does car insurance cost in Virginia?
Virginia auto insurance is generally moderate compared to neighboring states, but your premium still depends on where you live (Northern Virginia and Hampton Roads tend to be higher), your driving record, your vehicle, and your coverage level. Because Virginia follows contributory negligence, carrying higher liability and UM/UIM limits is well worth the modest added cost.
Get Protected in Virginia
Compare quotes from 40+ carriers. Free, no-obligation — just the right coverage for Virginia residents.