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Finding Cheap Auto Insurance in Virginia

Are you looking for inexpensive auto insurance? We’ve evaluated Virginia auto insurance companies to get you on the right track.

Cheap auto insurance in Virginia for good drivers

Even with a great driving record, you’ll want to compare companies if you’re looking for the lowest rates. We recommend that you get Geico, Erie, and State Farm auto insurance quotes. If you are in the military or a veteran, USAA auto insurance might be your best bet.

Cheap car insurance in Virginia for speeding drivers

If you are caught speeding, you will likely see an increase in your auto insurance premiums in Virginia. It doesn’t hurt to look for better prices. We recommend that you check out Geico, State Farm and Erie auto insurance. Military personnel and veterans can probably find good prices at USAA.

Inexpensive Auto Insurance In Virginia For Drivers In An Injury Crash

If you cause a car accident that injures someone else, expect an average increase of around $ 600. It is wise to seek better prices. Check out quotes from State Farm, Erie Auto Insurance, and Geico. If you are eligible with military affiliation, get a quote from the USAA.

Cheap car insurance in Virginia for drivers with a DUI

A DUI conviction will mean an increase in Virginia auto insurance rates of several hundred dollars a year. Check out the State Farm and Progressive auto insurance quotes. Military and veterans alike might find better prices at USAA.

Cheap Auto Insurance In Virginia For Drivers With Low Credit

Bad credit can be a costly problem when it comes to purchasing an auto insurance policy. Some insurers view bad credit as a higher risk, which translates into higher rates. Be sure to shop around and get quotes from Geico and the USAA (if you are a military or veteran).

Cheap car insurance in Virginia for drivers without insurance

Driving uninsured can affect your rates when purchasing a policy. See quotes from Geico, State Farm, and Erie in this situation. Military and veterans alike can generally find good prices at USAA.

Cheapest Vehicles for Auto Insurance in Virginia

In Virginia, the Jeep Wrangler JL Sport, Honda CR-V LX, and Jeep Compass Latitude are among the most affordable insurance options, based on average prices of the top 50 selling 2021 models. The 20 cheapest vehicles are below.

The cars with the most expensive insurance in Virginia among popular vehicles are the Tesla Model S Performance ($ 4,103 per year) and the Tesla Model 3 Standard Plus ($ 2,207 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum auto insurance required in Virginia

If you own a vehicle in Virginia, you must purchase auto liability insurance. This is basic coverage that covers damage and injury you cause to others in an automobile accident. Liability insurance also pays for legal defense in the event of a lawsuit.

Car owners in Virginia should purchase liability insurance with coverage limits of at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident
  • $ 20,000 for property damage in an accident

You can see this written as 25/50/20.

If you have property, such as a house and, it is a good idea to purchase insurance that is much higher than the state’s minimum liability insurance. If you cause an accident with multiple injuries or significant property damage, the bills could quickly run out of policy limits and you could be sued for the rest. It’s best to buy higher policy limits and let your insurance company pay for the lawsuits, not you.

Car owners in Virginia must also purchase uninsured motorist (UM) insurance. This pays for your medical bills when an uninsured driver hits you. You must purchase coverage of at least $ 25,000 for bodily injury to one person and $ 50,000 for bodily injury to more than one person in an accident (called 25/50).

You are also required to purchase Uninsured Motorist Property Damage (UMPD), which pays for damage to your property if an uninsured driver crashes into it, such as your car or fence.

What else should I have?

Collision and multi-risk insurance. Together, collision insurance and comprehensive insurance cover a multitude of issues, such as car damage, auto theft, vandalism, riots, floods, fires, hail, falling objects. and collisions with animals.

If you have a leasing or car loan, your leasing company or lender will most likely require you to purchase collision and comprehensive insurance.

Compensation for medical expenses and loss of income. This covers your own medical expenses (like hospital costs) and some lost wages due to a car accident, regardless of who was at fault.

Summary: Compulsory Auto Insurance in Virginia

Can I show my insurance ID card from my phone?

Virginia allows you to use a mobile phone to show an auto insurance ID card. Check with your auto insurance company to see if they offer a mobile app that includes access to electronic ID cards.

Factors Allowed In Auto Insurance Rates In Virginia

Auto insurance companies typically look at your driving record, past claims, vehicle model, and more when setting rates. In Virginia, insurers can also use these factors.

How many uninsured drivers are there in Virginia?

About 11% of Virginia drivers do not have auto insurance, according to the Insurance Research Council. If they run into you, you can try to chase after them. Or you can use your uninsured motorist coverage for personal injury. You can use your collision coverage for vehicle damage.

Penalties for driving without automobile insurance

If you’re caught driving without insurance in Virginia, you could be fined up to $ 500 and have your license and registration suspended.

When can a vehicle be totaled?

Auto insurance companies in Virginia can determine if a car is a total loss when the damage exceeds 75% of its actual dollar value.

Resolve insurance issues

If you have an unresolved dispute with an auto insurance company, you can file a complaint with the Virginia State Corporation Commission.

Methodology

To find the cheapest auto insurance companies in Virginia, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 of bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 of property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

Companies assessed for Virginia were Allstate, Auto-Owners, Erie, Geico, MetLife, Progressive, State Farm, Travelers, and USAA.

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