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What Is Car Insurance and Why Does Virginia Require It?
Car insurance is a contract between you and an insurance company. You pay a premium, and in return the carrier helps cover costs if you're in an accident, your car is stolen, or someone is injured. In Virginia, every registered vehicle must carry a minimum liability policy. There is no option to pay a fee and drive without coverage. That rule changed in 2024 when the state eliminated the $500 uninsured motorist fee for good.
As an independent agency, A&C compares rates from multiple carriers so you can find a policy that meets Virginia's requirements without paying more than you need to. We help drivers across Virginia Beach and Hampton Roads, including those who need SR-22 filings or don't have a Social Security Number.
Car Insurance Questions Virginia Drivers Ask
What are the minimum car insurance requirements in Virginia?
Virginia requires every registered vehicle to carry at least 50/100/25 in liability, plus uninsured/underinsured motorist coverage at the same limits. That breaks down to $50,000 for injuries to one person, $100,000 per accident, and $25,000 for property damage. These limits took effect on January 1, 2025.
Can I get car insurance in Virginia without a Social Security Number?
Yes. Virginia issues a Driver Privilege Card to residents regardless of immigration status, and many insurance carriers accept an ITIN in place of an SSN. Requirements vary by carrier, so we help you find one that works with your situation.
What is an SR-22 and can A&C help me file one?
An SR-22 is a certificate your insurance company files with Virginia to prove you carry the required coverage. It's usually needed after a license suspension or certain driving violations. We work with carriers that handle SR-22 filings and help you stay compliant for the full three-year period.
Does my car insurance cover other people who drive my car?
In most cases, yes. Your policy generally follows the vehicle, so a licensed friend or family member who borrows your car occasionally is typically covered. However, anyone in your household who drives regularly should be listed on the policy. Your agent can review who should be included.
How can I lower my car insurance rate in Virginia?
There are several ways to bring your rate down. Bundling auto with home or renters insurance may reduce your overall cost. Maintaining a clean driving record helps. Choosing a higher deductible lowers your premium but increases your out-of-pocket cost in a claim. And comparing carriers regularly matters, because rates shift. We compare options from multiple companies so you can see what's available.
Every vehicle registered in Virginia must carry at least $50,000/$100,000 bodily injury liability and $25,000 property damage liability, plus matching uninsured/underinsured motorist coverage — limits that took effect January 1, 2025. Virginia also eliminated the $500 uninsured-driver fee on July 1, 2024, so every registered vehicle must now carry a compliant policy (Virginia DMV).
