Virginia
Auto Insurance Coverages
There are so many companies offering auto insurance in Virginia. How do you know if you're choosing the right one? Allstate offers a variety of auto insurance policies, optional insurance coverages and other insurance products designed to meet your needs. And if your auto insurance needs change, your local Allstate agent will take time to help you make the right adjustments. If you have a teen driver, there are other considerations such as VA's Graduated Driver Licensing laws (refer to chart below).
For more information on this state, visit the Virginia State Information or Virginia State Catastrophe Information page.
Virginia Coverage Scale
As you consider what auto insurance coverages are right for you, keep in mind that Virginia has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Virginia-required coverage levels and the most common car insurance coverages.
|
|
|
|
|
|
Coverage
|
State Requirements
|
Most Common
|
|
Bodily Injury Liability
|
25,000/50,000*
|
100,000/300,000
|
|
|
Property Damage Liability
|
20,000*
|
50,000
|
|
|
Uninsured Motorist Bodily Injury
|
25,000/50,000*
|
100,000/300,000
|
|
|
Medical Expense Benefits
|
Not required*
|
5,000
|
|
|
Collision
|
Not required*
|
250 deductible
|
|
|
Comprehensive
|
Not required*
|
0 deductible
|
|
Virginia Graduated Driver Licensing
If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.
|
|
|
|
|
|
Minimum Entry Age
(Optimal: 16)
|
15 years, 6 mo.
|
|
|
Extended Learner Period
(Optimal: at least 6 months)
|
Has optimal provision
|
|
|
Parent Certification
(Optimal: 30 hours minimal)
|
Has optimal provision
|
|
|
Night Restriction
(Optimal: 9 or 10 p.m.)
|
Has the provision
but it is not optimal
|
|
|
Passenger Restriction
(Optimal: No teenager passengers or only one-family excepted)
|
Has optimal provision
|
|
|
Minimum exit age/ Minimum age at which restrictions are lifted
(Optimal: 18)
|
18, Has optimal provision
|
|
Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Kentucky, North Carolina, Maryland, Delaware
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Virginia. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.
Need to Reach Us?
Call 1-866-621-6900
Are You a Safe Driver?
Earn the rewards you deserve.
Calculate Your Savings
Determine monthly payments, lease or purchase options and much more.