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Virginia Insurance Guide
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Insurance in Virginia
Find comprehensive insurance information for Virginia (VA) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Southeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Virginia (VA) |
| Region | Southeast |
| Population | ~8.6M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Virginia Department of Insurance |
Health Insurance in Virginia
Virginia residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Virginia
Virginia has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Virginia
Protect your home with coverage tailored to Virginia’s specific risks and requirements.
Life Insurance in Virginia
Find life insurance options available to Virginia residents to protect your family’s financial future.
How Virginia Compares
Understanding how Virginia stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Virginia | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,089 | $1,935 | -44% (well below average) |
| Health Insurance (monthly) | $389 | $477 | -18% (well below average) |
| Home Insurance (annual) | $1,378 | $2,377 | -42% (below average) |
| Uninsured Rate | 7.6% | 9.5% | -20% (near average) |
Key Insights
- Auto insurance in Virginia is significantly cheaper than the national average, ranking #9 lowest in the country.
- Health insurance premiums are relatively affordable compared to other states, ranking #6 lowest.
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Virginia State Corporation Commission - Bureau of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Virginia (opens in new tab) - Federal health insurance marketplace for Virginia
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Virginia address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Virginia Bureau of Insurance
- Phone
- 804-371-9741
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Virginia?
Virginia requires minimum liability coverage of 30/60/20: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $20,000 for property damage. Uniquely, Virginia allows drivers to pay a $500 uninsured motorist fee instead of purchasing insurance, though this is not recommended.
How do I get health insurance in Virginia?
Virginia uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Virginia expanded Medicaid in 2019, providing coverage for adults with incomes up to 138% of the federal poverty level.
Does Virginia homeowners insurance cover hurricane damage?
Standard homeowners insurance covers wind damage from hurricanes, but flood damage requires separate flood insurance. Coastal Virginia (Hampton Roads, Virginia Beach) may have separate wind/hurricane deductibles. Flood insurance is strongly recommended in coastal areas.
Is flood insurance required in Virginia?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Virginia’s Tidewater region and areas along the James, Potomac, and other rivers have significant flood risk.
What is the average cost of car insurance in Virginia?
Virginia drivers pay approximately $1,400-$1,700 per year for full coverage auto insurance, which is near the national average. Northern Virginia (DC metro) has higher rates than rural areas.
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[virginia] Insurance Types
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Neighboring State Guides
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