Virginia Teen Driver Insurance for Parents

Virginia requires insurers to offer uninsured/underinsured motorist coverage at the same limits as your liability coverage, but you can reject it in writing.

Collision coverage is not required by Virginia law, but is typically required by lenders if the teen's vehicle is financed or leased.

Comprehensive coverage protects against non-collision losses like theft, vandalism, hail, and animal strikes. Virginia does not require it, but lenders do if the vehicle is financed. For teens driving in rural areas of Virginia where deer strikes are common, or parking overnight in urban areas with higher theft rates, comprehensive coverage may be worth carrying even on an older vehicle, as the cost is typically lower than collision and the risks are not directly tied to the teen's driving skill.