Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
No, collision insurance is not required in Virginia because it is an optional type of coverage in every state. While Virginia does not require it, your lender or lessor may require you to carry collision coverage to pay to repair or replace your vehicle after collisions with other vehicles or objects while you are driving.
Collision insurance will typically pay up to the actual cash value of your vehicle, minus any deductible. Coverage costs around $382 per year, on average.
You Should Get Collision Insurance in Virginia When:
- It is required by your lender or lessor
- You cannot afford to replace your car in the event that it gets totaled in an accident
- You drive in heavy-traffic areas where your car is likely to get damaged
- You frequently are at fault for accidents.
Keep in mind that most insurers will also require you to get comprehensive insurance if you purchase collision insurance. Collision, comprehensive and a state’s minimum car insurance requirements are generally what people mean when they talk about full coverage.
To learn more, check out WalletHub’s guide to collision insurance.
People also ask
How much does collision insurance cost?
Collision insurance costs $382 per year on average. Adding collision insurance will make your policy cost more than if you only had your state’s required liability coverage, but collision insurance is still a good investment for many drivers.
Collision insurance, which is optional in every state, protects your car in the event of a collision with an object or another vehicle. The cost of collision insurance varies widely, however, based on vehicle value, deductible, driving...
read full answerHow much car insurance do I need in Virginia?
Drivers in Virginia need $30,000 of bodily injury liability insurance per person (up to $60,000 per accident) and $20,000 of property damage liability insurance. Virginia also requires uninsured motorist protection. UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Virginia:
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability... | $30,000 |
What is full coverage insurance in Virginia?
Full coverage insurance in Virginia is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $30,000 in bodily injury coverage per person, up to $60,000 per accident, and $20,000 in property damage coverage. Full coverage in Virginia also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $1,653 per year in Virginia, while a state minimum policy costs $603 per year.
If you can’t afford to repair...
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