Teen Driver Insurance in Virginia: Parent Guide
Virginia requires 50/100/25 liability coverage and is an at-fault state.
Compare Teen Driver Insurance RatesVirginia at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
15½
Minimum learner's permit age, 45 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Virginia
Virginia operates a three-stage graduated licensing system: learner's permit at 15 years 6 months, intermediate license at 16 years 3 months, and full license at 18 or after completing 9 months on an intermediate license. Virginia Code § 38.2-2212.1 mandates that all insurers offer good student discounts to teen drivers maintaining at least a B average or equivalent, and uninsured motorist coverage must be offered at the same limits as liability unless the policyholder rejects it in writing.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
What Drivers Pay in Virginia
$297–$390/mo
Typical monthly rate in Virginia, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Find the Right Policy for Your Teen
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
midnight-4am (secondary)
Passengers
no more than 1 passenger younger than 21 first year, then max 3 (secondary)
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Full Coverage for Teen Drivers
Combines liability, collision, comprehensive, and uninsured motorist coverage in one package. This is the standard recommendation for parents adding a teen driver, particularly if the teen drives a financed vehicle or one worth more than $5,000.
Liability-Only for Older Vehicles
Covers only your legal obligations to others (bodily injury and property damage). Makes sense only if the teen drives a vehicle worth less than $3,000 and owned outright, and the family can absorb the cost of replacing it after an accident.
Good Student Discount
Virginia law mandates that all insurers offer this discount to students maintaining a B average or equivalent GPA. Requires verification through report cards, transcripts, or honor roll certificates, typically renewed annually or semi-annually.
Telematics Programs for Teen Drivers
Usage-based insurance programs monitor driving behavior through a smartphone app or plug-in device, measuring speed, braking, acceleration, time of day, and mileage. Safe driving earns discounts; risky behavior can reduce or eliminate savings.
Uninsured Motorist Coverage
Protects your teen and family if hit by a driver with no insurance or insufficient coverage to pay for injuries and damages. Virginia requires insurers to offer this at the same limits as your liability coverage.
Add-to-Parent vs. Separate Policy Decision
The primary cost decision for Virginia parents. Adding a teen to an existing multi-car policy is typically 40–60% cheaper than a standalone policy due to multi-car, multi-policy, and loyalty discounts that don't transfer to a new policy.