Insurance in Virginia

Virginia requires minimum auto liability limits of 50/100/25 ($50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage) for policies effective on or after January 1, 2025. Virginia auto policies must include uninsured/underinsured motorist coverage at limits equal to the policy's liability limits, and at least 50/100/25, unless the named insured rejects the additional coverage above the minimum. According to the Virginia DMV, minimum liability limits were 30/60/20 for policies effective January 1, 2022 through December 31, 2024, and are 50/100/25 for policies effective on or after January 1, 2025. Virginia auto policies must include uninsured/underinsured motorist coverage at limits equal to the policy's liability limits, and at least 50/100/25, unless the named insured rejects the additional coverage above the minimum. We recommend higher limits plus uninsured motorist coverage to protect yourself on Virginia roads.

Many areas in Virginia, especially Hampton Roads, Norfolk, Virginia Beach, and parts of Richmond near the James River, are in flood zones. Standard homeowners insurance does not cover flooding. We help Virginia homeowners determine if flood insurance through the National Flood Insurance Program (NFIP) or a private carrier is necessary.

Virginia homeowners insurance costs vary based on location, home value, and coverage level. Coastal properties in Virginia Beach and Norfolk typically cost more due to storm and flood risk. Northern Virginia homes near federal installations may have specialized needs. We compare rates from more than 25 appointed carriers to find you the best coverage at competitive prices.

Virginia businesses typically need general liability, commercial property, workers' compensation, and professional liability insurance. Northern Virginia's large population of government contractors and defense firms often need specialized coverage including D&O, cyber, and professional liability. Our advisors create customized business protection plans.

Jason Rodriguez at Prominent Insurance Services is a Certified Insurance Counselor (CIC) and Certified Personal Risk Manager (CPRM). He provides personalized insurance strategies using the Three Pillars of Protection framework for Virginia families and businesses.

Virginia auto insurance rates depend on your driving record, vehicle type, coverage level, and location. Northern Virginia areas like Arlington and Alexandria may have higher rates than rural Virginia. As an independent advisor, we shop multiple carriers to find the most competitive rate for your specific situation.

Virginia does not legally require renters insurance, but many landlords, especially in competitive Northern Virginia rental markets, require it as part of your lease. Renters insurance protects your personal belongings and provides liability coverage, typically starting at just a few dollars a month.

Umbrella insurance provides extra liability coverage beyond your auto and homeowners policy limits. If you have significant assets, own rental properties, or have teenage drivers in Virginia, an umbrella policy provides an additional layer of protection, often for just a few hundred dollars per year.

The best way to get affordable insurance in Virginia is to work with an independent advisor who compares rates from multiple carriers. Bundling home and auto, maintaining a clean driving record, and choosing the right deductibles all help lower your premiums. We find the right balance of coverage and cost for every client.

The Three Pillars of Protection is Prominent Insurance's proprietary framework for building comprehensive coverage: Property (home, auto, valuables), People (life insurance and income protection), and Future & Liability (umbrella policies and business protection). We evaluate your total risk profile across all three pillars.