Auto Insurance in Virginia & Maryland — Built Around Your Life

We compare 20+ carriers to find the right coverage at the right rate for your specific driving profile, vehicle, and location — across Virginia and Maryland.

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Why an Independent Agent

One Application. 20+ Carriers.
The Best Rate for Your Situation.

When you call a single insurer, you get that insurer's best rate. When you work with Trinova, we run your information across 20+ carriers simultaneously — identifying which companies view your specific driving profile, vehicle, and ZIP code most favorably.

Virginia auto insurance rates vary significantly based on your location, driving record, vehicle, and even which carriers have had recent losses in your area. An independent agent's ability to shop the full market is especially valuable in Northern Virginia, where rates can vary by hundreds of dollars per year between carriers insuring the same driver.

Virginia Auto Insurance Requirements (2024)

Virginia requires all registered vehicles to carry minimum liability coverage:

  • $30,000 — bodily injury per person
  • $60,000 — bodily injury per accident
  • $20,000 — property damage per accident

Minimum coverage is a legal floor, not a recommendation. In Northern Virginia — where medical costs, vehicle values, and legal awards are high — we evaluate the right limits for your specific assets and risk exposure.

Maryland Auto Insurance Requirements

Maryland requires minimum liability coverage of $30,000/$60,000/$15,000. Maryland is also a fault state, meaning the at-fault driver's insurance pays — making adequate liability limits critically important.

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Coverage Options

What Your Auto Policy Can Cover

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Liability Coverage

Pays for injuries and property damage you cause to others in an at-fault accident. Required by law in Virginia and Maryland. Higher limits protect your assets from lawsuits.

  • Bodily injury liability
  • Property damage liability
  • Higher limits available and recommended
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Collision & Comprehensive

Collision covers damage to your vehicle from an accident. Comprehensive covers theft, weather damage, vandalism, and animal strikes. Usually required with a car loan or lease.

  • Collision coverage
  • Comprehensive coverage
  • Flexible deductible options
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Medical & Uninsured Motorist

Medical payments coverage pays for your injuries regardless of fault. Uninsured motorist coverage protects you when the at-fault driver has no insurance.

  • Medical payments (MedPay)
  • Uninsured motorist bodily injury
  • Underinsured motorist coverage
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Rideshare Coverage

Standard personal auto policies have a coverage gap when driving for rideshare platforms. Rideshare endorsements close that gap — critical for Uber and Lyft drivers in Northern Virginia.

  • TNC (rideshare) endorsements
  • Covers Period 1, 2 & 3
  • Available on most personal auto policies
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Rental & Roadside

Rental reimbursement covers a rental vehicle while yours is being repaired. Roadside assistance provides towing, battery jumps, and lockout service throughout Virginia and Maryland.

  • Rental reimbursement
  • 24/7 roadside assistance
  • Gap coverage available
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Discounts Available

We identify every discount you qualify for across all carriers — including discounts most consumers don't know to ask about.

  • Multi-policy bundle (home + auto)
  • Good driver discounts
  • Good student discounts
  • Pay-in-full discounts
  • Telematics / safe driving programs
FAQ

Virginia & Maryland Auto Insurance Questions

Virginia is an at-fault (tort) state. The driver who caused the accident is responsible for paying damages. Their liability insurance pays for the other party's injuries and property damage. Maryland is also an at-fault state. This is important when evaluating how much liability coverage you carry.
As of July 1, 2024, Virginia eliminated the uninsured motor vehicle (UMV) fee that previously allowed drivers to legally operate without insurance. All Virginia registered vehicles must now carry the minimum required liability coverage. Driving without insurance is now a Class 3 misdemeanor and can result in license suspension, registration revocation, and significant fines.
Bundling home and auto insurance with the same carrier typically saves 10–20% on both policies — often $200–400 per year combined in the Northern Virginia market. As an independent agency we compare bundled rates across multiple carriers to find the combination that produces the best total savings across both policies.
Yes. As an independent agency we have access to non-standard and high-risk carriers for Virginia and Maryland drivers with accidents, DUIs, or multiple violations. Rates will be higher, but coverage is available. We find the most competitive options for your situation rather than turning you away because one carrier won't write you.

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