Better rates for better drivers. Now in Virginia.

See how much you’ll save.

Get a quote

Fair and affordable car insurance has finally come to Virginia.

Root makes it easy for the best drivers in the state to get quality, cheap auto coverage—from Richmond to Herndon, Charlottesville to Virginia Beach, and Roanoke to Woodbridge. See how much you can save in VA with a free quote online or in our app.

How it works

Root is different from traditional auto insurance companies in Virginia. Instead of basing your rate only on things like age, credit score, ZIP code, and marital status, Root bases rates primarily on how well you drive.

  1. Download the app

    Sign up in less than a minute.

    App Store badgeGoogle Play Store badge
  2. Drive around

    We use your smartphone to measure your driving behavior. Better driving = more savings.

  3. Get your quote

    You can customize and purchase your policy, all in the app.

State Requirements

What are the Virginia car insurance state minimum requirements?

Virginia requires that all drivers carry a minimum of Liability insurance and Uninsured/Underinsured Motorist Coverage. Driving without insurance could cause suspension of your driver’s license, vehicle registration, and license plates—plus hefty reinstatement fees.

The Virginia DMV can electronically check whether you’re insured or not. But if you need to prove you’re insured, the state also accepts electronic proof of insurance. If you have the Root app on your phone, your coverage is legally documented in a convenient way.

Liability coverage

You must carry the Virginia state minimum coverage levels of Liability. If you’re found to be driving without insurance, and you have not paid the uninsured motor vehicle fee, you could face suspension of your driver’s license, vehicle registration, and license plates. Reinstatement requires a $500 fine, filing of an SR-22 (required for 3 years), and a fee from $145-$220 for a reinstated driver’s license.

Liability is the insurance coverage for when you cause a car accident—it helps to pay for property damage or bodily injuries that occur. It’s important to keep in mind that it does not cover harm to you or your passengers (that’s what Medical Payments or Personal Injury Protection coverages are for). It also does not cover your vehicle (Collision and Comprehensive coverages are for your vehicle). Choosing to get additional coverages beyond Liability can help you avoid extreme expenses if you’re in a costly accident.

Minimum required liability coverage in VA:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $20,000 Property Damage

Uninsured/Underinsured Motorist Coverage (UM/UIM)

This insurance is for any injuries you suffer or damages you incur if you’re in an accident caused by a driver who doesn’t have car insurance or whose car insurance is insufficient.

Minimum required Uninsured/Underinsured Motorist coverage:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $20,000 Property Damage

Uninsured Motor Vehicle Fee

If you do not prove that you have car insurance when you register your car, you can pay a $500 uninsured motor vehicle fee to the Virginia DMV, which allows you to drive uninsured for 12 months. However, this option is not insurance and does not protect you financially if you’re in an accident—you must pay for all costs related to damages and injuries for which you’re at fault.

What is SR-22 insurance?

An SR-22 certification is not insurance but rather proof that you are compliant with Virginia's liability minimum requirements. You may be required to file an SR-22 if you’ve been convicted of voluntary or involuntary manslaughter resulting from a car accident, got a felony conviction involving a traffic law, were in a hit-and-run accident, or if you falsified your driver’s license, car registration, or insurance information. If you were caught driving without insurance or without having paid the uninsured motor vehicle fee, you may also have to file this certification. It’s usually much cheaper to purchase Liability coverage before these fees and filings are required.

What is an FR-44 certification?

You may need to file an FR-44 certification if you’ve received a DUI conviction or another serious conviction like maiming under the influence. With this filing, you’re required to increase your Liability insurance limits to:

  • $50,000 Bodily Injury (per person, per accident)

  • $100,000 Bodily Injury (per accident – multiple people injured)

  • $40,000 Property Damage

What other coverages does Root offer?

  1. Collision

  2. Comprehensive (including glass coverage)

  3. Medical Payments

  1. Personal Injury Protection

  2. Rental Car coverage

  3. Roadside Assistance (included in every Root policy)

Average Cost

What is the average car insurance cost in Virginia?

The average cost of car insurance in Virginia is $1,0631 per year. But many people pay much more because there are bad drivers hiking up prices for everyone. Root doesn’t insure high-risk drivers, so Root customers save up to 52% on average—all while enjoying easy and fair auto insurance.

up to



for Root policyholders

Start saving

Find out how much you’ll save with a car insurance quote based primarily on how you drive.

Get a quote


  1. [1] Annual average rates were compiled in April 2019