Car Insurance in Virginia: Car insurance in Virginia is crucial for protecting both drivers and their vehicles.
As a legal requirement, it safeguards you from financial losses in case of accidents or damages.
Having the right coverage ensures peace of mind while adhering to state laws, making it an essential part of responsible driving in Virginia.
Why Car Insurance is Important in Virginia
Car insurance in Virginia is essential not just for your financial protection but also to comply with state laws. In Virginia, drivers must meet certain legal requirements for car insurance, ensuring that you are financially responsible in the event of an accident.
Legal Requirements for Car Insurance in Virginia
Virginia law mandates that drivers carry a minimum amount of liability insurance. The current requirements include:
- Bodily Injury Liability: $30,000 per person and $60,000 per accident.
- Property Damage Liability: $20,000 per accident.
Alternatively, Virginia allows residents to pay an Uninsured Motor Vehicle (UMV) fee of $500. However, this fee does not provide insurance coverage and leaves you financially responsible for any damages or injuries caused in an accident.
Penalties for Driving Uninsured in Virginia
Failing to carry car insurance in Virginia or neglecting to pay the UMV fee can result in significant fines and legal consequences. If you are caught driving without insurance, you may face:
- A fine of up to $500.
- Suspension of your vehicle’s registration and driver’s license.
- The requirement to file an SR-22 certificate for three years to prove you have proper insurance coverage.
Driving uninsured can also lead to civil lawsuits if you cause an accident, potentially putting your financial future at risk. This is why having car insurance in Virginia is not only a legal necessity but also a safeguard for your personal assets and peace of mind.
Minimum Car Insurance Requirements in Virginia
When driving in Virginia, it’s crucial to understand the Virginia car insurance requirements to ensure you’re legally covered on the road. The state mandates specific minimum coverage Virginia drivers must carry, which includes liability coverage for bodily injury and property damage.
Minimum Liability Coverage
Virginia law requires drivers to maintain minimum liability coverage to cover costs in case of an accident where they are at fault. The minimum liability coverage amounts are:
Bodily Injury:
- $30,000 per person for injury or death
- $60,000 per accident for injury or death of two or more people
Property Damage:
- $20,000 per accident for property damage caused to others
These minimums ensure that if you cause an accident, you can cover some of the medical expenses or repair costs incurred by the other party. However, considering higher coverage limits is often recommended to protect yourself from additional financial liability.
Optional Coverage Types
While Virginia only requires liability insurance, additional coverage options are available and can provide more comprehensive protection:
- Comprehensive Coverage: This covers damages to your car that are not caused by a collision, such as theft, vandalism, or natural disasters.
- Collision Coverage: This pays for repairs to your vehicle if you’re involved in a collision, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: If you are hit by a driver who either has no insurance or insufficient coverage, this protects you from out-of-pocket expenses.
However, understanding these Virginia car insurance requirements and considering optional coverage can help protect you in case of unforeseen accidents or damage.
Top Car Insurance Providers in Virginia
Below, we compare some of the most reputable car insurance companies, highlighting their pros and cons to help you make an informed decision.
1. State Farm
State Farm is a well-known name in the insurance industry, offering competitive rates and excellent customer service.
Pros:
- Known for affordable rates, especially for young drivers.
- Excellent customer service with local agents available across Virginia.
- Offers various discounts, including multi-policy and safe driver discounts.
Cons:
- Not the cheapest option for high-risk drivers.
- Some customers report slow claims processing times.
2. GEICO
GEICO is popular for its low rates and online convenience, making it one of the best car insurance companies in Virginia.
Pros:
- Competitive pricing with a focus on affordable premiums.
- Extensive online tools and mobile app for easy account management.
- Discounts for military, federal employees, and good drivers.
Cons:
- Limited in-person agent support compared to other providers.
- Customer service can vary depending on location.
3. Progressive
Progressive is known for its flexible coverage options and competitive pricing, especially for high-risk drivers.
Pros:
- Wide range of coverage options, including accident forgiveness and custom parts coverage.
- Snapshot program rewards safe driving with discounts.
- Offers solid pricing for drivers with previous accidents or tickets.
Cons:
- Higher rates for young drivers compared to competitors.
- Mixed reviews for claims satisfaction.
4. Allstate
Allstate offers comprehensive coverage options with a reputation for strong customer service.
Pros:
- Variety of coverage options, including roadside assistance and rental car reimbursement.
- Local agents provide personalized service.
- Numerous discount opportunities, including for safe drivers and good students.
Cons:
- Premiums tend to be higher than average.
- Some customers report issues with claims handling.
5. USAA
USAA is a top choice for military members and their families, offering some of the best car insurance rates in Virginia.
Pros:
- Highly rated customer service and claims satisfaction.
- Competitive pricing, especially for military families.
- Comprehensive coverage options tailored to military life.
Cons:
- Only available to military members, veterans, and their families.
- Fewer local agents for in-person assistance.
By considering these options, you can ensure that you’re protected on the road while getting the best value for your insurance premiums.
Cheap Liability Insurance in Virginia
According to our data, USAA, State Farm, and GEICO have the cheapest liability insurance in Virginia. Liability-only insurance in Virginia will cost you $379 on average for a 6-month policy.
Given coverage level plays a significant role in your overall rate, it’s no surprise that liability-only car insurance is far cheaper than full coverage.
The following table shows monthly and 6-month liability insurance quotes from several popular insurers in Virginia.
Cheapest Liability Coverage in VA
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $246 | $41 |
| GEICO | $285 | $48 |
| Erie | $296 | $49 |
| State Farm | $351 | $58 |
| Progressive | $371 | $62 |
| Nationwide | $506 | $84 |
| Allstate | $515 | $86 |
Cheapest full coverage insurance in Virginia
Virginians can expect to pay around $948 for a full coverage 6-month policy. Given it’s many benefits, it’s no surprise that 57% of The Zebra’s Virginia customers receive quotes for full coverage insurance.
If you live in Virginia, we recommend you first check out USAA and Erie insurance as our data shows they have the cheapest average rates for full coverage.
Reminder: USAA is only available to military members and their families.
Full coverage quotes in VA
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $534 | $89 |
| Erie | $578 | $96 |
| State Farm | $645 | $107 |
| Nationwide | $646 | $108 |
| GEICO | $710 | $118 |
| Progressive | $891 | $148 |
| Allstate | $1,165 | $194 |
Best car insurance in Virginia — honorable mentions
While we deemed Erie the best value, these companies also scored well. We looked at JD Power Auto ratings and consumer reviews we collected from thousands of drivers across Virginia and the US.
Best car insurance companies in Virginia
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $534 | $89 |
| Erie | $578 | $96 |
| State Farm | $645 | $107 |
| Nationwide | $646 | $108 |
| GEICO | $710 | $118 |
| Progressive | $891 | $148 |
| Allstate | $1,165 | $194 |
Cheap auto insurance for young drivers in Virginia
It can be difficult to find affordable auto insurance as a young driver in Virginia. According to our data, teens pay over 100% more than drivers in their 20s and 200% more than those in their 30s due to their inexperience on the roads.
If you are a teen in Virginia, expect to pay around $3,043 per 6-month period ($507/mo). This is $221 less than the national average but over three times as much as a 30-year-old Virginia driver.
Teens and their parents should consider USAA, Erie, and GEICO for the cheapest car insurance.
Cheapest car insurance quotes for young drivers in VA
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $2,072 | $345 |
| Erie | $2,073 | $345 |
| GEICO | $2,135 | $356 |
| Nationwide | $2,631 | $439 |
| Allstate | $3,061 | $510 |
| State Farm | $3,848 | $641 |
| Progressive | $4,286 | $714 |
Virginia auto insurance quotes after an accident or ticket
It’s no secret that a checkered driving record will make the cost of car insurance in Virginia go up. After all, companies use your driving record to calculate how risky you are to insure.
A recent at-fault accident can raise your rate by over $900 annually. This table shows how much popular insurers charge Virginians after one at-fault accident.
Best insurance companies in VA after an accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $942 | $157 |
| GEICO | $1,068 | $178 |
| Erie | $1,079 | $180 |
| Nationwide | $1,147 | $191 |
| State Farm | $1,314 | $219 |
| Progressive | $1,521 | $253 |
| Allstate | $1,970 | $328 |
Tip: Consider claims satisfaction when choosing an insurer
A wise man once said: hope for the best, prepare for the worst. When it comes to auto insurance, you hope that you will never need it, but when you do, it should be as seamless and stress-free as possible. In our Customer Satisfaction Survey, Erie topped the charts when it came to customer satisfaction, yet another reason to consider them if you live in Virginia.
A bad driving record can quickly cause your rates to skyrocket. The following table shows averages for how different violations and accidents can affect your insurance. Because each insurer’s pricing standards differ, the exact rate increase you receive may differ from what’s shown below.
Virginia auto insurance quotes by violation
| Accident/Violation | Avg. 6 Mo. Premium | $ Rate Increase |
|---|---|---|
| None | $948 | $0 |
| One Med/PIP claim | $950 | $2 |
| Not-at-fault accident | $983 | $35 |
| Two Med/PIP claims | $1,015 | $67 |
| One comp claim | $1,027 | $79 |
| Two comp claims | $1,076 | $128 |
| Failure to show documents | $1,079 | $131 |
| Driving without lights | $1,097 | $149 |
| Child safety restraint | $1,103 | $155 |
| Driving with expired registration | $1,116 | $167 |
| Failure to wear a seat belt | $1,126 | $178 |
| Failure to yield | $1,138 | $189 |
| Driving too slowly | $1,138 | $190 |
| Wrong way/wrong lane | $1,141 | $193 |
| Speeding in school zone | $1,142 | $194 |
| Texting while driving | $1,142 | $194 |
| Cell phone violation | $1,142 | $194 |
| Failure to stop at a red light | $1,143 | $195 |
| Illegal turn | $1,143 | $195 |
| Following too closely | $1,144 | $195 |
| Speeding 6 – 10 MPH over limit | $1,145 | $197 |
| Improper passing | $1,147 | $199 |
| Speeding 16 – 20 MPH over limit | $1,159 | $211 |
| Speeding 11 – 15 MPH over limit | $1,164 | $216 |
| Passing school bus | $1,199 | $251 |
| In 65 MPH zone | $1,242 | $294 |
| Speeding 21 – 25 MPH over limit | $1,260 | $312 |
| Open container | $1,262 | $314 |
| At-fault accident – less than $1000 | $1,295 | $347 |
| Operating a vehicle without permission | $1,394 | $446 |
| At-fault accident – greater than $2000 | $1,411 | $463 |
| At-fault accident – $1000-$2000 | $1,411 | $463 |
| Reckless driving | $1,713 | $765 |
| Racing | $1,842 | $894 |
| DUI | $1,898 | $950 |
| Refusal to submit to a chemical test | $1,898 | $950 |
| Leaving scene of an accident/hit and run | $1,991 | $1,042 |
| Driving with a suspended license | $1,994 | $1,046 |
Car insurance price trends in Virginia
In Virginia, average annual auto insurance costs increased by $242 in the past year. A typical Virginia driver pays an average of $1,896 per year, which is the highest it’s ever been. It’s worth noting that this is still cheaper than the national average rate of $1,759.
Since 2017, the cost of car insurance in Virginia has steadily increased incrementally with the exception of 2023. The steepest decrease occurred from 2015 to 2016, while the highest uptick took place from 2022 to 2023.
Car insurance costs in Virginia since 2015
| Year | Avg. Annual Premium — Virginia | Yearly Change — Virginia |
|---|---|---|
| 2024 | $1,593 | $242 |
| 2023 | $1,351 | -$164 |
| 2022 | $1,515 | $448 |
| 2021 | $1,067 | $41 |
| 2020 | $1,026 | $23 |
| 2019 | $1,003 | $40 |
| 2018 | $963 | $50 |
| 2017 | $913 | $84 |
| 2016 | $829 | -$127 |
| 2015 | $956 | $27 |
Car insurance in popular Virginia cities
Car insurance companies calculate your rate based on many factors, and an important one is the location of the vehicle. Arlington and Chesapeake residents average cheaper rates than residents of cities like Norfolk and Richmond.
This is likely related to Arlington and Chesapeake’s lower population density and crime rates.
Have a look at the table below to see average car insurance costs in some of Virginia’s biggest cities.Auto insurance quotes in Virginia’s biggest cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Arlington | $990 | $165 |
| Chesapeake | $1,005 | $167 |
| Virginia Beach | $1,019 | $170 |
| Richmond | $1,022 | $170 |
| Norfolk | $1,088 | $181 |
Factors That Affect Car Insurance Rates in Virginia
When shopping for Virginia car insurance rates, understanding the factors that can influence premiums is essential. Insurance companies take into account a variety of elements to determine how much you’ll pay for coverage. Below are some of the most significant factors affecting insurance in Virginia:
1. Driving History
One of the primary factors affecting your Virginia car insurance rates is your driving record. A history of traffic violations, accidents, or DUIs can lead to significantly higher premiums. Conversely, maintaining a clean driving record over time can help lower your rates.
2. Vehicle Type
The type of car you drive also plays a crucial role in determining your insurance costs. Newer, high-performance vehicles or luxury cars generally come with higher premiums because they are more expensive to repair or replace. On the other hand, older, safer models typically result in lower insurance rates.
3. Age
Insurance companies often consider age when calculating Virginia car insurance rates. Younger drivers, particularly those under 25, are considered higher-risk and tend to face higher premiums. Meanwhile, experienced drivers, especially those in their 40s and 50s, are more likely to benefit from lower insurance costs.
4. Location in Virginia
Where you live in Virginia can have a significant impact on your insurance rates. Drivers in densely populated urban areas like Richmond or Norfolk may experience higher premiums due to the increased likelihood of accidents and vehicle theft. In contrast, rural areas generally see lower premiums because of less traffic and fewer incidents.
5. Credit Score
In Virginia, like many other states, your credit score can influence your car insurance rates. Insurance companies often view a higher credit score as an indicator of financial responsibility, which may result in lower premiums. A lower credit score could lead to higher rates, as insurers perceive a higher risk.
6. Urban vs. Rural Areas
Living in an urban part of Virginia, such as Alexandria or Arlington, often results in higher insurance rates compared to residing in more rural areas like Floyd County. Urban areas tend to have more traffic congestion, higher accident rates, and a greater risk of theft or vandalism—all of which contribute to higher premiums.
7. Coverage Levels
Finally, the amount and type of coverage you choose can affect your insurance premiums. Opting for minimum liability coverage will cost less than comprehensive coverage that protects you in a wide range of situations. Keep in mind that while lower coverage might save you money upfront, it could leave you with significant out-of-pocket costs after an accident.
By understanding these factors affecting insurance in Virginia, you can make more informed decisions when comparing insurance policies and find ways to reduce your Virginia car insurance rates.
How to Get a Free Car Insurance Quote in Virginia
When you’re looking to get a free car insurance quote in Virginia, the process is simple and can be done entirely online. Whether you’re a new driver or just shopping for better coverage, here’s how you can easily obtain a free quote in just a few steps.
Step 1: Visit Insurance Provider Websites
Many local Virginia insurance providers offer free online quotes directly from their websites. Companies like Virginia Farm Bureau, Elephant Insurance, and Erie Insurance allow you to enter your details and receive a personalized car insurance quote. These local providers know the state’s regulations and offer policies tailored to Virginia drivers.
Step 2: Use Comparison Websites
For a broader view, you can use comparison websites like The Zebra, NerdWallet, and Compare.com to compare multiple insurance providers at once. These websites will show you quotes from various companies, helping you find the best deal based on your needs.
Step 3: Prepare Your Information
To get an accurate quote, make sure you have the following information ready:
- Vehicle Information: Have your car’s make, model, year, and VIN (Vehicle Identification Number) on hand.
- Driving History: Be prepared to provide details about any accidents, tickets, or violations.
- Current Insurance: If you’re already insured, having your current policy details can help get an accurate comparison.
By gathering this information ahead of time, you can ensure that your free car insurance quote in Virginia is as accurate as possible.
Tips for Getting Accurate Quotes
- Compare Multiple Quotes: Don’t settle for the first quote you receive. Take the time to compare several options to find the best rate.
- Look for Discounts: Many insurers offer discounts for safe driving, bundling with home insurance, or for being a student. Ask about available discounts to lower your premium.
- Review Coverage Options: Make sure to assess the coverage options provided. The cheapest plan isn’t always the best, so find a balance between price and coverage.
Getting a free car insurance quote in Virginia is fast and easy with these steps. With a little preparation, you can save both time and money.
Ways to Save on Car Insurance in Virginia
If you’re looking for ways to save on car insurance in Virginia, there are several strategies you can use to reduce your premium without compromising on coverage. Here are some effective tips to help you cut costs:
1. Bundle Home and Auto Insurance
One of the most straightforward ways to save on car insurance in Virginia is by bundling your policies. Many insurance companies offer discounts when you combine your auto insurance with home, renters, or even life insurance. This multi-policy discount can significantly lower your overall insurance costs.
2. Safe Driver Discounts
Maintaining a clean driving record is another excellent way to save. Insurance companies often reward safe drivers with lower premiums. If you’ve gone several years without accidents, tickets, or claims, you may qualify for a safe driver discount. Some insurers also offer discounts for completing defensive driving courses.
3. Raise Your Deductibles
Another cost-saving strategy is to increase your deductibles. By opting for a higher deductible, you agree to pay more out-of-pocket in the event of a claim, but in exchange, your monthly premium will be lower. This option can be particularly beneficial if you’re a safe driver and don’t anticipate filing claims frequently.
4. Lower Coverage on Older Vehicles
As your car ages, it may not make sense to maintain comprehensive or collision coverage, especially if the vehicle’s value is relatively low. By lowering or eliminating these types of coverage for older vehicles, you can save a significant amount on your car insurance premiums.
5. Ask About Additional Discounts
Virginia car insurance companies often offer a variety of other discounts, such as good student discounts, military discounts, and usage-based insurance programs that track your driving habits. Always ask your insurer about any discounts you may be eligible for to maximize your savings.
By taking advantage of these strategies, you can effectively save on car insurance in Virginia while maintaining the coverage you need.
FAQs About Car Insurance in Virginia
1. What are the minimum car insurance requirements in Virginia?
Virginia requires drivers to have minimum liability coverage of 25/50/20, which means $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Alternatively, drivers can pay a $500 Uninsured Motor Vehicle (UMV) fee, which allows them to drive without insurance but offers no financial protection in case of an accident.
2. Do I need uninsured motorist coverage in Virginia?
Yes, uninsured motorist coverage is required in Virginia. It helps protect you if you’re involved in an accident with an uninsured or underinsured driver. The coverage amounts must match the liability minimums—$25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage.
3. What happens if I drive without car insurance in Virginia?
If you drive without car insurance and haven’t paid the UMV fee, you may face serious penalties. These include fines, a suspended driver’s license, and vehicle registration. You’ll also be required to file an SR-22 form to prove future financial responsibility.
4. How can I find affordable car insurance in Virginia?
To find affordable car insurance, shop around and compare quotes from multiple insurance providers. Look for discounts such as safe driver, multi-policy, or good student discounts to lower your premium. Additionally, consider adjusting your coverage options to fit your needs and budget.
5. What factors influence car insurance rates in Virginia?
Several factors can affect your car insurance rates in Virginia, including your age, driving history, vehicle type, and where you live. Urban areas typically have higher rates due to increased traffic and accident risks. Additionally, your credit score and insurance claims history may impact your premiums.
6. Can I drive without insurance if I pay the UMV fee?
Yes, paying the $500 Uninsured Motor Vehicle (UMV) fee allows you to legally drive without insurance in Virginia. However, it offers no financial protection if you’re at fault in an accident. You’ll be responsible for all medical and property damage costs, which can be much higher than the UMV fee itself.
7. Is Virginia a no-fault state for car insurance?
No, Virginia operates under a fault-based system. This means that in the event of an accident, the driver who is at fault is responsible for covering the damages, either through their insurance or out-of-pocket.
Conclusion
Having the right car insurance in Virginia is essential for protecting yourself, your vehicle, and others on the road. Proper coverage not only ensures that you comply with Virginia’s legal requirements but also gives you peace of mind in the event of an accident or unforeseen damage. It’s important to review your insurance policy regularly to ensure that you have adequate protection tailored to your needs.
Getting a free car insurance quote in Virginia is easy and allows you to compare rates from various providers. By taking a few minutes to compare options, you can find the most affordable plan that still offers the protection you need. Don’t wait—secure the best car insurance in Virginia today for your peace of mind and financial security.
References
To ensure you have access to the most accurate and reliable information on car insurance in Virginia, we’ve compiled a list of reputable sources. These resources offer further insights and can help you make informed decisions when choosing car insurance in the state.
- Virginia State Corporation Commission – Bureau of Insurance
The Bureau of Insurance provides comprehensive details about car insurance regulations, coverage requirements, and consumer protection in Virginia. Visit the official website for guidelines and to ensure you comply with state laws.
Virginia SCC Bureau of Insurance - Virginia Department of Motor Vehicles (DMV)
The DMV’s website outlines the minimum insurance requirements for drivers in Virginia, penalties for driving without insurance, and how to verify your coverage.
Virginia DMV Car Insurance Requirements - Insurance Information Institute (III)
A leading resource for insurance-related data and educational content, the III offers insights on car insurance, including how rates are determined, tips for lowering premiums, and the importance of maintaining sufficient coverage.
Insurance Information Institute - Consumer Reports – Car Insurance Buying Guide
Consumer Reports provides an in-depth guide on how to buy car insurance, what factors influence rates, and reviews of major insurers in the country. Their recommendations are based on consumer feedback and expert analysis.
Consumer Reports Car Insurance Guide - National Association of Insurance Commissioners (NAIC)
The NAIC’s site is another valuable source for car insurance information, including state-specific resources, insurance complaints, and tools to help you compare policies.
NAIC Car Insurance Resources
These sources will help ensure you’re well-equipped with the knowledge to navigate Virginia’s car insurance requirements and make the best choices for your needs.
