Coverage and service for the Old Dominion state
If you live in Virginia or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
Whether you're perusing the popular Blue Ridge Parkway, taking a scenic tour of Skyline Drive or cruising the historic Colonial Parkway, we can be there for you.
Required car insurance coverage in Virginia
Virginia law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$50,000 limit per person $100,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$25,000 limit per accident |
Coverage |
Uninsured and underinsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
Minimum requirement |
You must have the same limit as your bodily injury liability coverage. |
Coverage |
Uninsured and underinsured motorists property damage |
Description |
This helps cover your expenses if your property is damaged in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage. |
Minimum requirement |
You must have the same limits as your property damage liability coverage. |
Required car insurance coverage in Virginia
Virginia law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$50,000 limit per person $100,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$25,000 limit per accident |
Uninsured and underinsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
You must have the same limit as your bodily injury liability coverage. |
Uninsured and underinsured motorists property damage |
This helps cover your expenses if your property is damaged in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage. |
You must have the same limits as your property damage liability coverage. |
Virginia law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $50,000 limit per person $100,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $25,000 limit per accident |
| Coverage | Uninsured and underinsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
| Minimum requirement | You must have the same limit as your bodily injury liability coverage. |
| Coverage | Uninsured and underinsured motorists property damage |
| Description | This helps cover your expenses if your property is damaged in an accident caused by a driver who doesn’t have insurance or doesn’t have enough coverage. |
| Minimum requirement | You must have the same limits as your property damage liability coverage. |
Get up to 30% off your premium at renewal for being a safe driver. See note 1
With USAA SafePilot®, the better you drive, the bigger the discount you may earn. Save up to 15% off your premium today for just enrolling.
USAA SafePilot Miles® could help you save while you serve. See note 1
If you’re active duty living on base and don’t drive too often, USAA SafePilot Miles could be a great option to help lower your expenses. It could also help you if you’re about to deploy.
Who’s eligible for USAA membership?
- Active-duty military
- National Guard and Reservists
- Veterans who have honorably served
- Contracted ROTC cadets and midshipmen
- Officer and warrant officer candidates
- Spouses and children of USAA members
- Service academy appointees
Who’s eligible for USAA membership?
- Active-duty military
- National Guard and Reservists
- Veterans who have honorably served
- Contracted ROTC cadets and midshipmen
- Officer and warrant officer candidates
- Spouses and children of USAA members
- Service academy appointees
Virginia car insurance FAQ
If you’re moving to Virginia or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.