Quick Answer
Virginia is a tort (fault-based) state for auto insurance. Minimum liability was increased in 2025. Uninsured motorist coverage is optional but strongly recommended for Hampton Roads. Virginia has no special military lease-break notice requirements beyond the SCRA.
Virginia Navy Bases
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Naval Station Norfolk
World's largest naval station
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Naval Station Portsmouth
Home of NMCP medical center
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NAS Oceana
Naval Air Station, F/A-18 community
Virginia Auto Insurance Requirements
Virginia operates under a tort (fault-based) system. The at-fault driver is liable for damages.
| Coverage Type | Virginia Minimum (2025) | Recommended |
|---|---|---|
| Bodily Injury (per person) | $30,000 | $100,000+ |
| Bodily Injury (per accident) | $60,000 | $300,000+ |
| Property Damage | $20,000 | $100,000+ |
| Uninsured Motorist | Optional | Strongly recommended |
| PIP/No-Fault | Not required | Not applicable |
Virginia Renters Insurance for Military
Virginia has no special military-only renters laws, but the SCRA (Servicemembers Civil Relief Act) applies statewide:
- You can terminate a lease with 30 days notice if you receive PCS orders or deployment orders of 90+ days
- Standard renters insurance in Hampton Roads: $12-$18/month
- Flood risk: Areas near Norfolk's harbor and some Portsmouth neighborhoods have elevated flood risk - check FEMA flood maps
- Renters insurance is not typically required by base housing, but is highly recommended
Virginia-Specific Insurance Tips for Sailors
- Tunnel commute: If you commute through Hampton Roads tunnels, your daily mileage impacts low-mileage discounts
- Uninsured motorist: Virginia has opt-out UM coverage - you automatically have it unless you waive it in writing
- Flood insurance: Areas around Norfolk Naval Station have significant flood risk due to sea level rise - separate flood policy worth considering
- USAA dominates Hampton Roads: More Navy members in Virginia use USAA than any other insurer
Top Insurers for Virginia Sailors
- USAA: Best overall. Military-only, excellent Hampton Roads rates.
- GEICO Military: 15% military discount. Good for auto.
- State Farm: Large presence in Hampton Roads, good for bundling.
- Navy Federal P&C: Good for NFCU members already banking there.