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Ned Loyd Agency
Auto insurance coverage in Virginia
Auto Insurance

Get the auto coverage you need

Turn to us for any auto insurance need

A wreck on I-64 or a fender-bender in a Charlottesville parking lot shouldn't upend your finances. As your local agent, we build auto coverage that protects you on Virginia roads and fits your budget — and we're here when you actually need to use it.

Virginia requires every driver to carry liability coverage, and as of 2025 the state minimums increased. We'll make sure your policy meets the requirement and, more importantly, actually covers what you own.

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Coverage you can count on

Count on us to cover all of your needs

Accidents are rarely convenient. If you get sideswiped or rear-ended, trust that we're standing by to help. We'll match you to coverage for whatever you drive — on the road, off the road, or on the water.

  • Personal Auto
  • Commercial Auto
  • Motorcycle
  • Boat
  • ATV
  • Golf Cart
FAQ

Frequently Asked Questions

What's the minimum auto insurance required in Virginia?
Virginia requires liability coverage of at least 50/100/25 — that is, $50,000 for injuries per person, $100,000 total per accident, and $25,000 for property damage. Virginia raised these minimums in 2025, and uninsured/underinsured motorist coverage is also mandatory. This is the legal floor, not what most drivers actually need — we recommend higher limits for anyone with assets to protect.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, animal strikes). If your car is financed or leased, lenders almost always require full coverage.
How can I lower my auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, and safe-driving discount programs. Annual policy reviews catch cases where your rate drifted up or your coverage no longer matches your life.
Does my auto insurance cover me if I drive to another state?
Yes. A standard auto policy follows you across state lines for personal travel within the U.S. and Canada. If you're renting a vehicle on a long trip, call us before you go so we can confirm any gaps.
Do you cover motorcycles, boats, ATVs, and golf carts?
Yes — we write separate specialty policies for motorcycles, boats, ATVs, and golf carts. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure we know.
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