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If you’re a driver in Virginia, this is for you. We’ve researched auto insurance requirements, coverage options, found the cheapest companies, and more in Virginia—to give you all you need in one place. Get answers to your top questions below.

Virginia Car Insurance Requirements

There are a couple ways to drive legally in Virginia. The first: You’ll need liability and uninsured motorist coverage with these minimums:

  • $25,000 in bodily injury protection of one person
  • $50,000 in bodily injury protection of two or more people
  • $25,000 in property damage

The second is to pay a $500 fee to the DMV each time you renew your registration. You won’t be insured for anything, but you will technically be obeying the law. This means if you drive without insurance, you’ll have to pay up to tens of thousands of dollars if you’re in an accident. If you ask us, the second option isn’t worth the risk.

Additional Car Insurance Coverage in Virginia

You don’t have to have car insurance in Virginia, but please get some or we’ll stay up all night worrying about it on your behalf. Here are some options you should consider in additional to the minimums for more protection:

  • Collision Coverage – If you bump, collide, smash, skid, or some other verb into another car, this can help pay for damages.
  • Comprehensive Coverage – This is the safety net that covers pretty much everything else bad that can happen to your car. Need a few examples? Hitting a deer, being victimized by a vandal, or having your car ruined during a storm all count.

Proving You’re Insured

The Virginia DMV keeps an eye on your insurance status by using an electronic Insurance Verification Process. If you’re not insured, they’ll know about it. Then, you’ll get a letter and will have to prove you’re insured ASAP using the DMV’s online forum. Otherwise, you could get fined and even have your license taken away.

How Your Insurance Premiums Are Calculated

In order to determine your risk profile, insurance companies use a number of variables. While companies use the same variables, they can put different amounts of emphasis on the following:

  • Your age
  • Your gender
  • Your driving history
  • Your credit history
  • Where you live
  • Your car’s year, make and model
  • How you use your car

While one insurance company may look at a driver’s age as the most important factor, the next company may place gender of the driver as the greater indication of risk. This is why two companies can give two varying rates when providing quotes to the same driver.

What Virginians Pay For Auto Insurance

It doesn’t take an international spy to track down car insurance averages–just insurance experts.  According to our research, here is where Virginia drivers may find the cheapest car insurance:

 Average Annual Rates
USAA$1,767.26
Erie$2,187.33
Amtrust$2,414.17
GEICO$2,417.64
Virginia Farm Bureau$2,435.42
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See how rates for drivers like you measure compare in our analysis of Virginia’s most affordable insurance companies.

How You Can Save

Saving money feels good. See if you qualify for the following popular auto insurance discounts:

  • Safe driver discount
  • Good student discount
  • Multi-car discount
  • Multi-policy discount
  • E-pay discount
  • Claims free discount
  • On-time payer discount
  • Driver education discount

Most Stolen Cars in Virginia

Driving a commonly stolen car will make you worry twice as much because not only can it be swiped, but your car insurance rates may increase. Here are the top stolen cars in Virginia just so you know*:

  • Honda Accord
  • Ford Pickup (Full Size)
  • Nissan Altima
  • Toyota Camry
  • Honda Civic
  • Chevrolet Pickup (Full Size)
  • Ford Explorer
  • Jeep Cherokee/Grand Cherokee
  • Toyota Corolla
  • Dodge Caravan

*According to www.nicb.org

Let The Experts Help

With years of experience helping Virginia drivers, licensed agents can help you compare quotes from top insurance companies. Call to get a free quote today at [mapi-phone /].

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