Virginia Auto Insurance regulations:

Virginia is considered a tort state. All drivers must carry standard liability coverage. The state's standard liability coverage requirements are 25/50/20. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $20,000 for damage you cause to the other party's personal property. Virginia auto insurance laws also require that drivers purchase uninsured and underinsured motorist coverage.

Overall Rates are determined by the driving habits of the drivers within a state. Virginia determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Virginia auto insurance companies will also offers additional coverages like collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.