How It Works
Enter your ZIP code and tell us what coverage you are looking for in Virginia
See what Virginia requires and compare quotes from licensed carriers
Choose coverage that meets Virginia requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. Bodily-injury minimums range from $15,000 to $50,000 per person across states; property-damage minimums range from $5,000 to $50,000.
Full Coverage Car Insurance
Liability plus collision and comprehensive on a single vehicle. On a multi-car policy, you can put full coverage on financed or leased cars and liability only on owned vehicles — each car's coverage level is independent.
Uninsured Motorist Coverage
Pays when an at-fault driver has no insurance or insufficient limits. Required in 22 states. On a multi-car policy, uninsured-motorist coverage applies per vehicle and must meet state minimums where mandated.
Multi-Car Policy Structure
Two or more vehicles on one policy, each with its own coverage level, earning the multi-car discount. The discount typically requires the same garaging address and all vehicles listed on the same policy effective date.
