Liability coverage
Helps pay for injuries or property damage you are legally responsible for after an accident.
Virginia auto insurance
Auto insurance in Virginia, explained in plain English.
Virginia drivers need more than a policy number. You need liability limits that make sense, coverage for your own vehicle when it matters, and a team that can help you compare options without turning the process into homework.
Virginia limits
Virginia auto insurance minimum limits
For policies effective on or after Jan. 1, 2025, Virginia lists these minimum liability insurance limits. These are minimum requirements, not a recommendation for every driver.
CoverageMinimum limit
Injury or death of one person$50,000
Injury or death of two or more people$100,000
Property damage$25,000
Minimum limits can leave gaps after a serious accident. We can help you compare higher liability limits, uninsured and underinsured motorist coverage, and umbrella protection.
Coverage options
What a Virginia auto policy can include
Uninsured and underinsured motorist
Helps protect you when the other driver has no insurance or not enough coverage.
Comprehensive and collision
Helps repair or replace your vehicle after covered damage, theft, vandalism, weather, or collision losses.
Rental and roadside
Useful add-ons when a covered claim leaves you without a vehicle or stuck on the road.
Benefits
The real benefit is financial protection before something happens.
- Protect your income and assets.Liability claims can reach beyond the cost of a car repair.
- Keep your household moving.Rental, towing, and physical damage coverage can reduce disruption after a covered loss.
- Match coverage to your drivers.Teen drivers, commuters, work vehicles, and paid-off cars may need different coverage strategies.
Why work with us
We help you choose coverage, not just chase the lowest number.
Thompson Family Insurance can compare options, explain limits, review deductibles, and help you understand where a cheaper policy may be cutting protection you actually wanted.
Request an auto quoteAuto FAQs
Common Virginia auto insurance questions
Are Virginia minimum limits enough?
They satisfy minimum requirements, but they may not be enough after a serious accident. We can show you the cost difference for higher limits.
Do I need comprehensive and collision?
If you finance or lease a vehicle, your lender usually requires physical damage coverage. Even if you own the car outright, it may still make sense depending on the value of the vehicle.
Can you help if I have multiple cars or drivers?
Yes. We can collect vehicle and driver details and review the best way to quote the household.
Virginia resources