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Required in Virginia

Liability-Only Auto Insurance in Virginia

Liability-only auto insurance covers bodily injury and property damage that the policyholder causes to other people in an at-fault accident. It does not cover the policyholder's own vehicle or injuries.

Avg Monthly Rate
$55/mo
($45–$75/mo range)
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Virginia Liability Only 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.

CarrierLiability Only/moRating
GEICO$47★ 4.5
Progressive$52★ 4.3
State Farm$54★ 4.4
Allstate$59★ 4.1
USAA*$41★ 4.8

What Is Liability Only?

Liability insurance is the foundation of Virginia auto insurance law. It pays for bodily injury and property damage you cause to others in an accident. Virginia requires at least $30,000/$60,000 bodily injury and $20,000 property damage, plus matching uninsured motorist limits.

Who Needs Liability Only?

  • Drivers who own their vehicle outright
  • Owners of older vehicles worth less than $5,000
  • Anyone with emergency savings to cover vehicle replacement
  • Budget-conscious drivers who can accept the 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

What is the minimum liability insurance in Virginia?
Virginia requires $30,000/$60,000 bodily injury liability and $20,000 property damage, plus matching uninsured motorist coverage. These limits became effective January 1, 2025.
Does liability insurance cover my car if I'm at fault?
No. Liability only covers damage to the other party — their vehicle, medical bills, and property. You need collision coverage to protect your own vehicle in an at-fault accident.
What if I'm hit by an uninsured driver?
Your uninsured motorist coverage (required in Virginia) handles this. It pays your medical bills and vehicle repairs up to your policy limits when an uninsured or underinsured driver hits you.
How much does liability-only insurance cost in Virginia?
Liability-only coverage averages $45–$75/month in Virginia, making it the most affordable legal option. Rates depend on your city, driving record, and age.
Can Virginia minimum limits leave me personally exposed?
Yes. Virginia's $30,000/$60,000 minimums can be exhausted quickly in a serious accident involving multiple injuries or a newer vehicle. Many experts recommend $100,000/$300,000 for adequate protection.

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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.