Auto Insurance · Virginia

Car insurance for Virginia drivers, compared across carriers.

Blue Ridge Insurance quotes auto coverage for drivers in Forest, Lynchburg and across Virginia. We compare several carriers, set limits that actually protect you, and shop it again when your renewal goes up.

Get an Auto QuoteCall (434) 212-3300
Virginia Requirements

The state minimum went up. It’s still not enough.

For policies issued or renewed from January 1, 2025, Virginia requires at least 50/100/25 liability: $50,000 per person and $100,000 per accident for injuries you cause, and $25,000 for property damage. Uninsured and underinsured motorist coverage is required at matching limits. Virginia also ended the option to pay a fee instead of insuring a vehicle.

A minimum-limits policy is legal, but a serious accident can exceed it quickly, and anything above your limits can come back to you. We usually recommend limits well above the minimum, then compare carriers so the extra protection doesn’t cost what you’d expect.

Virginia minimum liability

  • $50,000 bodily injury per person
  • $100,000 bodily injury per accident
  • $25,000 property damage
  • Uninsured / underinsured motorist at matching limits
What’s Covered

The parts of an auto policy

Liability

Injuries and damage you cause to others. The most important number on your policy.

Uninsured / underinsured motorist

Pays for your injuries and damage when the at-fault driver has no insurance or too little.

Collision

Repairs to your car after an accident, regardless of fault, minus your deductible.

Comprehensive

Theft, hail, falling trees, fire and deer strikes, which are common on rural Central Virginia roads.

Medical payments

Medical bills for you and your passengers after an accident.

Rental & roadside

A rental car while yours is in the shop, and towing when you need it.

Get a Quote

Start your auto quote.

Tick Personal Insurance, then Auto. A licensed advisor in our Forest office will compare carriers and follow up. Having your current declarations page handy makes it faster.

  • Multi-car, multi-policy and good-driver discounts checked
  • Teen and young-driver options
  • Shopped again at renewal
Common Questions

Virginia auto insurance questions

Is the Virginia minimum enough?
For most drivers, no. The minimum covers $25,000 of property damage, which a single newer vehicle can exceed. Higher limits usually cost less than people expect.
Can I still pay the uninsured motor vehicle fee?
No. Virginia ended that option, so every registered vehicle needs an active insurance policy.
Why did my rate go up when I didn’t have a claim?
Repair costs, vehicle prices and claims trends in your area all affect rates. Because we represent several carriers, we can shop your policy when your renewal jumps instead of you accepting the increase.
Do I need comprehensive coverage?
If your car is financed or leased, your lender will require it. On an older car, we can show you whether the premium still makes sense against the car’s value.
Do you insure Lynchburg drivers?
Yes. Our office is in Forest, a short drive from Lynchburg, and we insure drivers across Virginia. See our Lynchburg page.

Paying too much for car insurance?

Send us your declarations page and we’ll compare it across carriers.

Get a QuoteCall (434) 212-3300