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Virginia
Dragon Insurance Services is licensed in Virginia. We provide independent guidance for auto, home, business, and specialty coverage. Our advisors focus on families and businesses in Richmond, Northern Virginia, and across the Commonwealth and can help you compare rates, coverage, and carrier options across 30+ carriers.
Minimum Requirements
Virginia requires minimum auto liability of 50/100/25 effective July 1, 2025, raised from 30/60/20 under House Bill 1077. Virginia also requires uninsured motorist coverage at the same limits as your liability coverage. Virginia is an at-fault state.
Regional Risk Factors
Carrier Availability
Virginia's new 50/100/25 minimums (effective July 1, 2025) affect all policies issued or renewed after that date. Carrier options vary by driving history, property location, and coastal exposure.
Coverage Available in Virginia
Compare carriers and find your best rate.
Dragon Insurance is an independent agency in Camp Hill, PA we shop 30+ carriers to find the right coverage at the right price.
Common Questions About Insurance in Virginia
Virginia requires minimum liability coverage of 50/100/25 effective July 1, 2025: $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage. This was raised from 30/60/20 under House Bill 1077. Virginia is an at-fault state. Virginia law also requires uninsured motorist coverage at the same limits as your liability coverage (Code of Virginia Section 38.2-2206). We recommend limits above the minimum for families with significant assets.
Virginia homeowners face varying risks by region. Coastal and Tidewater areas face hurricane and storm surge risks. Inland areas including Richmond and the Shenandoah Valley deal with river flooding and severe thunderstorms. Standard homeowners policies exclude flood damage, which requires a separate NFIP or private flood policy. We help you find carriers that write competitively in your specific Virginia location.
Yes. We are licensed in Virginia and can quote general liability, BOP, workers compensation, professional liability, and commercial auto for Virginia businesses. Virginia requires workers compensation for most employers with two or more employees. We compare 30 plus carriers to find competitive options for your industry.
You can start a quote online or call us at 717-229-5115. We compare 30 plus carriers and typically have quotes ready within one hour. Virginia clients in Richmond, Northern Virginia, and across the Commonwealth are served entirely by phone and online.