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Your guide to Virginia home and auto insurance

Getting home insurance or car insurance in Virginia doesn’t have to be a hassle. Here, we tackle some common questions about how much it costs, finding the right insurance companies for you, and what you need to know about Virginia’s insurance laws.

Virginia insurance at a glance

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Top insurance companies in Virginia

Home insurance

  • Mercury
  • Travelers
  • SageSure
  • Homeowners of America
  • Universal
  • Grange
  • Safeco

Car insurance

  • Mercury
  • Travelers
  • Clearcover
  • Progressive / ASI
  • Safeco
  • Branch
  • Grange
Average cost of home insurance in Virginia
$1,252 per year
Average home insurance Coverage A in Virginia
$399,568
Average home insurance deductible in Virginia
$1,619
Average cost of car insurance in Virginia
$1,764 per year
Average car insurance deductible in Virginia
$168 per term

Virginia insurance requirements

Home insurance

Although Virginia law doesn’t require home insurance, most mortgage lenders will ask for it before financing your home. A standard homeowners insurance policy usually includes:

  • Structural coverage — Also known as dwelling coverage, structural coverage protects the primary physical structure of your home.
  • Personal property coverage — This coverage will help replace belongings such as furniture and electronics in the event of a covered loss.
  • Liability coverage — Personal liability coverage protects against medical and legal fees incurred by guests and visitors injured at your home.
  • Additional living expenses — Home insurance generally pays for living expenses — like a hotel or rent — if you’re displaced from your home after a covered event.
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Car insurance

The state of Virginia requires car insurance to purchase license plates or decals. If you don’t carry car insurance, you must pay an Uninsured Motor Vehicle Free (currently $500). This fee does not provide insurance, but simply allows drivers to legally operate a vehicle at their own risk.

Like many other states, Virginia requires drivers to carry a minimum amount of liability coverage, which protects you if you are found to be at fault in an accident. It typically covers damage to objects and other vehicles besides your own (known as property damage liability), and injuries to other drivers and passengers they have in their car (known as bodily injury liability).

Minimum bodily injury requirements

  • $30,000 per person (will increase to $50,000 for policies effective after January 1, 2025)
  • $60,000 per accident (will increase to $100,000 for policies effective after January 1, 2025)

Minimum property damage requirements

  • $20,000 per accident (will increase to $25,000 for policies effective after January 1, 2025)

Additionally, there are optional auto insurance coverages which can provide more complete protection. Learn more about auto insurance coverage here.

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blue icon happy customersThousands of
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green icon average savings$609 average savings
for Virginia customers

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Why customers in Virginia choose Matic

  • Shop how you want: Compare rates from 40+ carriers, then buy your policy online or talk to one of Matic’s licensed insurance advisors.
  • Get double support: In addition to your carrier, Matic is an extra insurance advocate there to help you navigate your policy.
  • Skip the extra fees: Because we integrate with carrier platforms, you’ll pay the same price for your policy with Matic as you would by going to the carrier directly.
  • Protect your future: As a Matic customer, you can rely on a network of 40+ carriers to help find a better option if your situation changes in the future.
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How to buy insurance in Virginia

Answer a few questions.

Fill out a single online form to get matched with quotes in just a few minutes.

See your initial estimates.

Review free quotes with the best prices and coverage options for you.

Buy online or talk to a licensed advisor.

Purchase your policy online or over the phone with a licensed Matic advisor.

Pro tip: Our insurance advisors will dig even deeper to unpack more options for you, like carrier discounts, bundling, and more. If you don’t see what you like online, take a few minutes and talk to us!

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