Virginia Business Insurance: Low Workers' Comp, High Auto Minimums

Virginia has some of the lowest workers' comp rates (rank 44/51) but the highest auto liability minimums in the nation at 50/100/25.

State Guides | 6 min read | 2026-03-18

Virginia offers some of the lowest workers' comp rates in the nation but requires the highest auto liability minimums. Here's what employers need to know about this unusual combination.

Virginia ranks 44th out of 51 jurisdictions for workers' compensation costs, with an index rate of just $0.73 per $100 of payroll — 33% below the national median. For employers relocating from high-cost states like New Jersey ($2.16) or California ($1.86), Virginia's rates can feel like a significant relief.

In This Article

• Virginia's Workers' Comp: Among the Cheapest in the Nation
• The Highest Auto Liability Minimums in the Nation
• Northern Virginia vs. the Rest of the State
• Key Industries and Their Insurance Needs
• Multi-State Compliance: The DMV Challenge

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