VIRGINIA INSURANCE

Virginia insurance prices and coverage options, organized around the rules that matter here.

Ensurance is a U.S. insurance-shopping company. Virginia shoppers can start one organized request, explore available insurance pricing and coverage options, compare quotes where available, and move toward buying the coverage they choose through Ensurance.

Start My Virginia Auto Request

WHY VIRGINIA IS DIFFERENT

Auto insurance, continuous coverage and employer rules deserve attention.

Auto minimums increased

Virginia’s current minimum liability baseline is 50/100/25 for policies effective on or after January 1, 2025.

Registered vehicles need continuous coverage

Virginia requires active insurance while a vehicle remains registered, so lapses can create DMV consequences.

Coastal and flood exposure can matter

Property shoppers in coastal and flood-prone areas should separate flood protection from the standard homeowners question.

Virginia runs its own health marketplace

Individual and family ACA coverage is handled through Virginia’s state marketplace.

COVERAGE PATHS

Start with the insurance need you actually have.

Home Insurance

Start with property details and any flood or coastal concerns.

Start home request

Life Insurance

Begin with who you want to protect and the basics needed for licensed review.

Start life request

Business Insurance

Share the facts about your Virginia business, employees and operations.

Start business request

VIRGINIA AUTO INSURANCE

The current minimum liability baseline is 50/100/25.

$50,000

Bodily injury per person

$100,000

Bodily injury per accident

$25,000

Property damage

HOW ENSURANCE WORKS

Shop for insurance in Virginia through one organized request.

Choose

Choose the insurance need that fits and keep the important details together.

Shop

Explore available insurance pricing and coverage options through one organized request.

Compare

Compare available quote options and get licensed help understanding your choices where appropriate.

Buy

Choose what fits and move toward purchasing available coverage through Ensurance.

VIRGINIA FAQ

Common questions before starting.

What auto insurance limits does Virginia require?
The current minimum liability baseline is 50/100/25 for policies effective on or after January 1, 2025.
Does Virginia require continuous insurance?
Yes. Registered vehicles must remain insured while registration is active.
Where do Virginia residents shop for ACA marketplace coverage?
Virginia operates its own official health insurance marketplace.

OFFICIAL RESOURCES

Use primary sources when rules can change.

Virginia DMV

Vehicle insurance and continuous coverage requirements.