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Coverage and service as valued as Virginia

With more than 3,000 miles of scenic byways, Virginia offers a variety of destinations to explore. USAA offers a combination of coverages and service you can count on if you live in Virginia, the birthplace of a nation and home to the U.S. Fleet Forces Command. Whether you're perusing the popular Blue Ridge Parkway, taking a scenic tour of Skyline Drive or cruising the historic Colonial Parkway, USAA can be there for you.

The average cost of car insurance in Virginia

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay. The risk of natural disasters and severe weather in Virginia is low, which keeps costs lower.

$157 See noteper month

The average monthly cost for all USAA Auto Insurance policies issued in Virginia in 2023.1

Get up to 30% off your premium for being a safe driver.2

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Virginia car insurance coverage requirements

As of Jan. 1, 2024, Virginia law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $30,000 of bodily injury liability coverage per person

    This helps cover expenses for the injuries or death of others involved in accidents where you're found at fault.

  • $60,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault.

  • $20,000 of property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

  • Uninsured and underinsured motorist coverage

    Drivers in Virginia are required to have uninsured and underinsured motorist coverage. These coverages help cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn't have enough coverage.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.3 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.4 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Reasons to choose USAA Auto Insurance in Virginia

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.5 Here's what else you can expect with a USAA Auto Insurance policy.

Get coverage for whatever moves you.

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)