What is the recommended car insurance coverage 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:

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...

The insurance you need for your car is collision insurance, comprehensive insurance and uninsured motorist insurance. These types of coverage typically aren’t required, but you will need them if you want your car to be protected in any situation.

Exactly what insurance you need to simply drive your car legally depends on your state’s laws. Most states require at least bodily injury liability and property damage liability insurance, but they cover other people’s expenses when you cause a...