Liability insurance is the minimum legal requirement in Virginia — it covers damage you cause to other people and their property. The average cost is $41/month with 30/60/20 limits. It does not cover your own vehicle.
(888) 217-6781Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Virginia requires minimum limits of 30/60/20, but most insurance experts recommend at least 50/100/50 — especially with 7% of Virginia drivers being uninsured.
| Coverage | Monthly Cost | Annual Cost | What's Covered |
|---|---|---|---|
| Liability Only (30/60/20) | $41/mo | $490 | Other people's injuries & property |
| Full Coverage | $144/mo | $1,730 | Others + your own vehicle |
Switching from full coverage to liability-only saves $1236/year in Virginia — but your own car has zero protection.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $576 | $96/mo |
| GEICO | $654 | $109/mo |
| Progressive | $738 | $123/mo |
| State Farm | $810 | $135/mo |
| Allstate | $984 | $164/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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