Virginia Car Insurance Quotes. Find Cheap Rates Today.
Virginia has almost six million drivers on the road, which means that you need coverage – and if you’re currently driving with just the state recommended minimums, you may not have enough car insurance to actively protect you in the event of an accident.
A motor vehicle in Virginia needs to be protected at all times. Do yourself a favor and stick around to find quotes from the cheapest auto insurance companies in Virginia.
Whether for yourself or others, medical expenses can be costly, too. It’s essential to be protected.
At Insurance Geek, we love working with our Virginia customers to provide the best, cheapest quotes possible from various carriers. Let’s discuss how you can get the best coverage car insurance in The Old Dominion state to protect you and your family!
Virginia Automobile Insurance Minimum Required Coverage
Virginia is unique among American states in that you can legally avoid obtaining any liability insurance if you pay the state’s $500 annual uninsured motorist fee. All states require some sort of bodily injury coverage and coverage for accident property damage, though.
Below, you’ll find minimum Virginia coverages, including detailed information about the type of protection you’ll get from each.
It goes without saying, but ensure to go “over the limit” per accident and per person. Accidents happen all the time – rely more on yourself and your insurance and less on others in traffic!
Bodily injury liability – $25,000 person/$50,000 accident
Bodily injury liability protection ensures that you’re covered if you injure someone else while driving. It applies to any authorized driver of your vehicle and the other people on your policy, too.
It also protects you if you strike a pedestrian.
Property damage liability – $20,000/accident
Though the Virginia property damage minimum is $20,000, we recommend at least $100,000 in coverage. Repairing motor vehicles after an accident is no small feat. This policy will help you cover the costs of damaging someone else’s property.
Underinsured/Uninsured motorist coverage
In some states, you must have an underinsured minimum coverage. Drivers from Virginia are free from that obligation, but we still like to point out that having this kind of coverage is important, especially if you have a poor driving experience.
You never know when you might have a close encounter with an uninsured motor vehicle.
How Much Will I Pay For Car Insurance In Virginia?
Are you wondering is it possible to calculate the car insurance premiums In Virginia?
In Virginia, insurance costs around $850 a year. When comparing that cost to the other states, we can agree that the Virginia Department of Motor Vehicles has one of the cheapest car insurance premiums. The cheapest rates are generally reserved for drivers that obey the driving laws – but there are several other factors that will determine your car insurance premiums:
Age Groups
One of the first things that matter is the driver’s age. The amount of experience you have behind the wheel matters when you’re getting an auto insurance policy.
As you can imagine, teenagers don’t have that much experience behind the wheel – and even newly licensed adult drivers may have problems getting reasonable rates.
Driving Records
The fact that you don’t have a speeding ticket or a DUI offense on your record and you don’t use your cell phone while driving will impact your premiums, too.
Insurance companies favor good drivers that respect driving laws. Something as simple as not having a DUI offense or other citations linked to your driver’s license is a plus.
Your Vehicle
Carriers also want to make sure that the age, make, model, and even color of your car meet certain specifications. Believe it or not, the rumors about red cars are true – often, red cars are generally responsible for more dangerous driving behavior.
Some carriers tend to look at a motor vehicle with a more powerful engine a little less favorably, too.
Credit Score
Insurance companies tend to dig into your credit rating to evaluate a possible premium for our auto insurance in Virginia. And if you have a poor credit score under your name, it will undeniably affect your possible insurance rates.
It’s usually not the single decisive factor, though.
Location
Whenever we compare auto insurance quotes, we regularly find that living in one of the larger cities in Virginia will land you auto insurance rates that are more costly.
Here are some of the large cities in Virginia we cover:
- Richmond
- Roanoke
- Williamsburg
- Norfolk
If you’re driving in a place like Richmond or Roanoke or Williamsburg, you may be confronted with a lot of tourists, new drivers, people who don’t know the area, or just a denser selection of drivers in general.
The more drivers there are on the road, the more potential for an accident – so it’s quite possible that you will find living in a metro area an expensive venture, as it will get you a higher premium.
Even minimum insurance requirements are no joke when it comes to living in one of the previously mentioned cities of Virginia. We are here to help you get the cheapest auto insurance, though.
Car Insurance Company
Every insurance company has its business politics, and the pricing of full coverage auto insurance will vary among companies. Depending on where you wish to acquire Virginia auto insurance, your average rates will differ.
Save money by finding an ideal insurance company for you and your family by cooperating with the Insurance Geek.
Cheap car insurance isn’t easy to find – but with us, you’ll have the tools necessary for accomplishing that task!
Discounts
An easy way to acquire cheap average rates for your car insurance in Virginia is to bundle other policies with the same insurance company. For those who are considering doing this, the most popular ones are home and life insurance.
With these, you can get good average rates for auto insurance in Virginia, too.
Get the cheapest Virginia Car Insurance Quotes
Without a tool that can help you out, you won’t be able to calculate the exact amount that you’ll need to pay for Virginia car insurance.
That is where we step in:
Choose to work with us and you’ll have a free calculator that generates quotes and estimates your future full coverage auto insurance in Virginia at your disposal whenever you need it.
From now on, we offer a new quote calculator that is available to all of you that decide to work with us at the Insurance Geek.
Fill in some basic info, and you can start to differentiate quotes from insurance carriers, which are verified by the Virginia Department of Insurance. When we compare quotes, Nationwide and Safeco usually top the charts as some of the best auto insurance carriers.
Can I Get A Discount?
They are available, and carriers love rewarding loyalty with discounts. Whether you’re looking to bundle different lines of insurance or take a defensive driving class – we can help you out.
If you’re a driver with a long history of no accidents or citations linked to your driver’s license, or you’re willing to sign-up for paperless billing, carriers will potentially drop your premiums for a number of different reasons.
Carriers also love giving students, military members, and seniors discounts, as well. If you want to get a car alarm, new restraints in your car, or work with your dealer to install any kind of antitheft device on your motor vehicle, that can help you save, too.
What Does Coverage Car Insurance In Virginia Include?
An auto policy isn’t bound to the state minimum coverage in Virginia; other full-coverage options that are available to both experienced and young drivers include:
Medical Liability/PIP (Personal Injury Protection)
PIP covers you if you or your passengers are injured while you’re driving, even in an at-fault accident. This type of coverage can also replace lost wages.
Uninsured and underinsured
Although it’s optional in Virginia, we recommend this coverage. Uninsured motor vehicle fee will assist you if you get into an accident with uninsured or underinsured drivers that otherwise wouldn’t be able to cover the damage to your motor vehicle.
Collision
Whether you run into a pothole, another vehicle, or something else on the road – anything that can do serious damage to your auto, really – is covered by collision.
Comprehensive coverage
A crack in the windshield, hail damage, hitting an animal, theft – comprehensive insurance covers “everything else” that can count as a loss.
Bodily injury liability
Bodily injury coverage is important in Virginia; this type of insurance pays for all kinds of injuries of the other party in an accident.
In Virginia, whenever an at-fault accident happens, it’s obligatory to have minimum bodily injury liability coverage. Most states don’t force their drivers to have this kind of coverage. But school bus drivers need to have it, for example.
Property damage liability insurance
Property damage will pay for any damage you cause to another person’s vehicle or property.
Accidents can happen at any time; it’s best to get a coverage policy that goes above state minimum coverage before you enter the Virginia traffic system!
How Much Coverage Car Insurance Should I Get In Virginia?
Although most drivers hope to get away with the state minimums, we highly recommend getting the coverage we spoke of above just to make sure you’re completely covered. We recommend what we call the 100/300/100 – meaning, $100.000 in body liability protection, $300.000 in coverage per accident, and $100.000 in personal property damage protection.
If you wish to be a little safer on the roads of Virginia, then we suggest this as opposed to minimum coverage.
FAQ: Virginia Car Insurance
Q: What car insurance companies have the cheapest car insurance in Virginia?
A: To obtain affordable premiums, we suggest that you approach Safeco and Nationwide – the two best companies for auto insurance in Virginia. Virginia requires you to have car insurance regardless of your exact whereabouts. So, why wouldn’t you cooperate with them to obtain cheap car insurance for you and your family?
Q: What is the average cost of car insurance in Virginia?
A: An average rate for car insurance in Virginia is $850 annually. As long as you are from this state and wish to have a driver’s license – you’ll need to pay up that sum. Consider yourself lucky; cheap car insurance is hard to find these days!
Calculate Virginia Car Insurance Rates
Take a look at our free quote tool to get the best possible auto insurance policy. We work with hundreds of Virginia customers just like you to provide you the best and cheapest auto insurance available.
Whether you’re trying to save with bundle discounts or you’re just looking to get better full coverage rates, we will get you the best possible auto insurance we can find.
Fill out our quote form to find out more!
Final Words
Whether you’re staying in the city or the country, whether you’re driving a 4 x 4 truck or a small car, whether you’re a driver with several decades of experience behind you or a newly licensed student, we can help you out.
Driving laws are there for a reason, but accidents happen – and you want to be covered when they do. Keep that in mind the next time you find yourself in an at-fault accident.
Insurance companies will do their best to help you out. But only when you help them out first!
We will work with you to get you the best possible Virginia auto insurance coverage as long as you are a legally licensed driver in the state of Virginia. Getting incredible discounts and affordable car insurance rates is what we do best.
So, let’s talk more about how we can help you!