Virginia Car Insurance Quotes — Compare Rates | Squeeze

Virginia recently closed a loophole that let drivers pay a fee instead of carrying insurance — coverage is now effectively mandatory statewide. Squeeze shops Virginia's carrier market to help you meet the updated requirements at a competitive rate.

Virginia requires:

• $50,000 bodily injury liability per person
• $100,000 bodily injury liability per accident
• $25,000 property damage liability per accident

These limits increased in 2025 — Virginia's per-accident bodily injury minimum is now among the higher state minimums nationally. Virginia previously allowed drivers to pay an uninsured motorist fee in lieu of buying coverage; that option was eliminated in July 2024, so carrying real insurance is now effectively required for anyone who wants to legally drive.

• Northern Virginia/DC-metro commuter traffic, which runs well above the rest of the state
• 2025 minimum coverage increase, which raised the cost floor for a minimum policy statewide
• Elimination of the uninsured motorist fee option (July 2024), which means more previously-uninsured drivers are now shopping for real coverage
• Generally lower rates outside the DC-Richmond-Norfolk corridor

Squeeze shops both standard and non-standard Virginia carriers, useful given the state's recently raised minimum coverage requirements.