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Full Coverage Auto Insurance in Virginia

Full coverage auto insurance combines mandatory liability coverage with optional collision and comprehensive coverage, protecting drivers from financial loss in accidents, theft, weather events, and other incidents.

Avg Monthly Rate
$115/mo
($95–$145/mo range)
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Virginia Full Coverage Rates by Carrier

Rates last updated: May 2026. Based on a 35-year-old driver with a clean record driving a 2022 sedan. *USAA available to military members and families only.

CarrierFull Coverage/moRating
GEICO$98★ 4.5
Progressive$109★ 4.3
State Farm$114★ 4.4
Allstate$124★ 4.1
USAA*$85★ 4.8

What Is Full Coverage?

Full coverage is not a single policy type — it's shorthand for combining liability insurance (required by Virginia law) with collision and comprehensive coverage. Collision pays for damage to your car in an accident regardless of fault. Comprehensive covers theft, weather, fire, and animal strikes.

Who Needs Full Coverage?

  • Drivers with car loans or leases (usually required by lender)
  • Owners of vehicles worth more than $10,000
  • Anyone who couldn't comfortably replace their vehicle out of pocket
  • Virginia Beach and Hampton Roads drivers (flood risk)

Virginia-Specific Considerations

Virginia drivers must carry at minimum $30,000/$60,000 bodily injury liability and $20,000 property damage, plus matching uninsured/underinsured motorist limits, per the Virginia DMV (dmv.virginia.gov). These limits took effect January 1, 2025. Approximately 11% of Virginia drivers are uninsured (Insurance Research Council 2023), making UM/UIM coverage especially critical.

Frequently Asked Questions

How much does full coverage cost in Virginia?
The average Virginia driver pays $95–$145/month for full coverage, depending on your vehicle, driving history, and location. A 35-year-old with a clean record driving a 2022 sedan typically pays around $115/month.
Does full coverage pay for everything?
No. Full coverage still has deductibles (typically $500–$1,000), and some events like mechanical breakdown aren't covered. Read your policy carefully to understand exclusions.
Do I need full coverage in Virginia?
Virginia only requires liability and uninsured motorist coverage. Full coverage is optional unless your lender requires it for a financed or leased vehicle.
When should I drop full coverage in Virginia?
Consider dropping full coverage when your annual premium for collision and comprehensive exceeds 10% of your car's current market value. For a vehicle worth $6,000, that threshold is $600/year.
Does full coverage protect me from flooding in Virginia Beach?
Yes. Comprehensive coverage — part of full coverage — covers flood and water damage. Given Hampton Roads tidal flooding risks, comprehensive is especially valuable for coastal Virginia drivers.

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Rates last updated: May 2026. Rates shown are Virginia statewide averages based on a 35-year-old driver with a clean record. Your rate will vary. See our rate methodology.

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Virginia Law Update (2025)

Virginia requires all drivers to carry minimum liability and uninsured motorist coverage. Effective Jan 1, 2025: $30k/$60k bodily injury + $20k property damage. Source: Virginia DMV.

Our Methodology

Rates shown reflect Virginia averages based on a 35-year-old driver with a clean record. See full methodology.