Top Car Insurance in Virginia

In Virginia, an array of over 20 distinctive license plates can be obtained, and residents can propose new designs. However, prior to acquiring your preferred vanity plate, like one representing your favorite team, university, or special interest, you must adhere to Virginia’s auto insurance regulations. The Virginia Department of Transportation (VDOT) underscores the mandatory nature of car insurance in Virginia for all vehicles registered in your name, including those that may be inoperative or inactive.

Key Takeaways

  • Virginia mandates a minimum coverage of $25,000/$50,000/$20,000 for bodily injury and property damage liability in covered accidents.
  • Additional coverages, like comprehensive and collision, are optional but offer enhanced protection.
  • Virginia’s average annual car insurance cost is below the national average, and Erie Insurance offers the lowest rates.

Minimum Insurance Requirements for Virginia

In Virginia, the minimum auto insurance coverage required is about at $25,000 /$50,000 /$20,000. These figures outline the coverage for bodily injury and property damage in the event of a covered accident.

Minimum Insurance Requirements for Virginia
Coverage typeState requirements
Bodily injury liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$30,000 limit per person/$60,000 limit per accident
Property damage liability
Helps cover expenses related to the damage of another person’s property — like vehicles, homes, buildings and other structures — when an accident is your fault.
$20,000 limit
Uninsured motorist
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have any insurance.
$30,000 limit per person/$60,000 limit per accident; $20,000 property damage
Underinsured motorist
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough liability insurance.
Grouped with uninsured motorist coverage
Medical Payments
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
Not required
Collision
Helps cover expenses to repair or replace your vehicle that’s been damaged in an accident.
Not required¹
Comprehensive
Helps cover expenses to repair or replace your vehicle that’s been stolen or damaged by things like storms or vandalism.
Not required¹

Optional Virginia Insurance Coverages

In Virginia, it’s often advisable to consider adding these additional coverages to your policy to ensure you have comprehensive protection on the road:

Comprehensive Coverage

This form of Virginia auto insurance coverage is essential for addressing vehicle repairs when physical damage results from non-collision incidents (subject to a deductible). Such incidents encompass theft, fire, vandalism, glass breakage, and encounters with animals.

Collision Coverage

Collision coverage is valuable for repairing your vehicle when it sustains physical damage due to collisions with other vehicles or objects (subject to a deductible).

Medical Expense and Income Loss Benefits

These benefits may cover essential medical expenses for you and other individuals included in your policy, regardless of fault. It ensures that necessary medical costs can address, providing a safety net for unexpected medical bills.

Who has the cheapest car insurance in Virginia?

Who has the cheapest car insurance in Virginia?

While obtaining the most affordable car insurance in Virginia may be enticing, it’s crucial to consider more than just the cost. Reliability is paramount, especially in the event of an accident.

With Liberty Mutual, you can not only potentially save on your auto insurance but also benefit from a trustworthy provider:

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Liberty Mutual offers both affordability and dependability, ensuring you have the coverage you need when it matters most.

Car Insurance Cost in Virginia: Company Rates

The average annual cost of car insurance in Virginia is approximately $1,280, which is more affordable than the national average rate of $1,543 per year. According to our analysis, Erie Insurance stands out with the lowest average annual rate in Virginia, offering a sample premium of $850.

COMPANYAVERAGE RATE
Allstate$1,912
American Family$882
Erie$850
Farmers$2,663
Geico$1,249

Company Minimum Coverage Car Insurance in Virginia

For the most cost-effective option in Virginia that meets the state’s minimum requirements for liability coverage, the average annual rate for low coverage is around $1,251. Erie Insurance offers the most affordable choice for minimum coverage, with an average annual rate of $814. On the other hand, Farmers presents the highest sample rate in our study, with an average rate of $2,722 per year.

COMPANY Allstate American Family Erie Farmers GeicoLOW COVERAGE$1,865$854$814$2,722$1,165

Virginia Teen Driver Restrictions

Virginia imposes specific driving restrictions on teen drivers to encourage safety. At 15 years and 6 months, teens can obtain a learner’s permit. They must be accompanied by a guardian or close relative who is 21 years or older, holds a valid driver’s license, and sits in the front passenger seat.

Virginia Teen Driver Restrictions

For teens aged 16 years and 3 months up to 18, who have held a learner’s permit for at least nine months, the requirement for a licensed driver alongside is removed. New drivers aged 19 or older, without prior driver’s license experience in any state, must either hold a learner’s permit for a minimum of 30 days or demonstrate completion of a state-approved driver education program.

Additionally, any driver under 18, with less than one year of driving experience, can have only one passenger under 18, excluding family members. Drivers under 18 are not allowed to use phones or any wireless devices while driving, hands-free or not, except in emergencies or when the car is legally parked or stopped. Also, no one is allowed to text and drive.

Virginia Registration Information

If you’re looking to drive on Virginia’s roadways, you’ll need to follow these essential steps:

  • Apply for a Virginia driver’s license.
  • Secure a vehicle safety inspection sticker.
  • Ensure your vehicle complies with Virginia’s emissions inspection standards; it must meet these standards when registering.
  • Fulfill Virginia’s vehicle insurance requirements; your vehicle should insure upon registration.
  • Title your vehicle in Virginia, a task to be completed within 30 days of your move to Virginia.
  • Register your vehicle and obtain license plates, also within 30 days of your move.
  • Acquire a local sticker or decal from your locality within 30 days of moving to Virginia.

FAQs

1. Is Car Insurance Required In Virginia?

Virginia drivers must demonstrate car insurance that meets the state’s minimum requirements before obtaining a license plate or decals. Alternatively, they can pay a $500 uninsured motor vehicle fee to the Department of Motor Vehicles to drive uninsured at their own risk.

2. What Is The Minimum Car Insurance Requirement In Virginia?

Virginia’s minimum car insurance requirements are as follows:

  •    $30,000 bodily injury liability per person
  •    $60,000 total bodily injury liability per accident
  •    $20,000 property damage liability per accident

Uninsured motorist coverage is also mandatory. Those opting out of car insurance must pay a $500 fee to the Virginia DMV.

3. When Should I Get Car Insurance In Virginia?

While Virginia offers the option to pay a fee to opt out of car insurance, having insurance is essential to protect yourself in case of an accident, for which you will be financially responsible if at fault. Those choosing insurance should obtain it before registering or driving their vehicle.

4. What Happens If My Car Is Not Properly Insured In Virginia?

Failure to have the proper insurance or to pay the uninsured motorist fee can result in penalties, including:

  •    Suspension of driving and vehicle registration privileges
  •    Fees for reinstating driver’s license and vehicle registration
  •    Filing an SR-22 financial responsibility insurance certification for three years

Those who pay the uninsured motorist fee and remain without insurance will be personally liable for damages resulting from an accident they cause.

5. Is Virginia A No-Fault State?

 No, Virginia is not a no-fault state. The person deemed at fault for a car accident is legally responsible for any resulting damage. Those without insurance who pay the uninsured motorist fee will be personally liable for damages.

6. Do I Need Uninsured Motorist Coverage In Virginia?

 Virginia requires uninsured motorist bodily injury coverage in amounts of $30,000 per person/$60,000 per accident and uninsured motorist property damage coverage of $20,000 per accident for those purchasing car insurance.

7. Is Liability Insurance Required In Virginia?

 Virginia drivers can pay a $500 uninsured motorist fee to drive uninsured at their own risk, effectively opting out of insurance coverage. However, those with car insurance must meet the state’s minimum requirements for liability insurance.

8. Does Virginia Accept Digital Insurance Cards?

Yes, Virginia accepts electronic proof of insurance, such as digital insurance cards.

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