Car Insurance in Virginia Beach, VA

Legal Requirements to Drive in Virginia Beach

According to the Virginia DMV, the state requires drivers to maintain minimum liability coverage:

• Bodily injury: $30,000 per person and $60,000 per accident
• Property damage: $20,000 per accident

On Jan. 1, 2025, the state will raise the minimum coverage requirements to:

• Bodily injury: $30,000 per person and $60,000 per accident
• Property damage: $20,000 per accident

Liability coverage helps protect your finances if you’re at fault in an accident that causes injury to another person or damage to someone else’s property. This coverage can include legal fees, medical expenses for injuries, and repair or replacement costs for damaged property.

Optional Virginia Beach Car Insurance Coverage

While liability insurance covers damages to other parties when you are at fault in an accident, optional car insurance coverages are available to provide additional protection for your vehicle and personal circumstances. Here are some key optional coverages that you may consider to enhance your auto insurance policy:

• Collision coverage: Collision coverage helps pay for repairs or replacement of your vehicle if it is damaged in an accident, regardless of who is at fault. It’s particularly valuable if you own a newer or higher-value vehicle.
• Comprehensive coverage: Comprehensive coverage offers protection against risks that don’t involve a collision with another vehicle, including theft, vandalism, fire, natural disasters, and collisions with animals.
• Uninsured/underinsured motorist coverages: Un and underinsured coverage protects you if you’re involved in an accident with a driver who’s either uninsured or doesn’t have sufficient insurance to cover the damages.
• Medical payments coverage: Often referred to as MedPay, this coverage assists with medical expenses for you and your passengers, regardless of fault, following an accident. Personal injury protection (PIP): Similar to MedPay, PIP extends further by also covering other expenses such as lost wages, rehabilitation services, and funeral costs.
• Personal injury protection (PIP): Similar to MedPay, PIP extends further by also covering other expenses such as lost wages, rehabilitation services, and funeral costs.