Among the U.S. states and Washington, DC, Virginia ranks near the bottom for expensive car insurance.
Car insurance in Virginia has been rated #43 in the nation in recent surveys. Its car insurance rates are comparable to Massachusetts and Pennsylvania, two other states where drivers save lots of money.
The average driver in Virginia pays less than $1,300 a year for car insurance. Car insurance quotes VA drivers are truly satisfied with can save them even more.
The gap between basic car insurance in Virginia and full auto insurance coverage can amount to more than $700. With that in mind, Virginia motorists sill stand to reduce their bills by looking for the best quotes around.
Before you choose a car insurance company in Virginia, be sure you understand what you are buying and what it covers. With the right information, you can get on the road to save more on car insurance in Virginia.
Let’s take a closer look at the biggest questions about Virginia car insurance we get at Cheap Insurance:
How Much Car Insurance Do You Need In Virginia?
Car insurance quotes VA vehicle owners can use must meet certain minimum standards.
The car insurance you need in Virginia includes:
- Bodily Injury: $25,000 per individual and $50,000 per covered traffic event
- Property Damage: A flat $20,000 per covered traffic event
You are also required to hold Uninsured Motorist coverage in these amounts:
- $25,000 per individual and $50,000 per covered traffic event in Uninsured Motorist Bodily Injury
- $20,000 per covered traffic event in Uninsured Motorist Property Damage (can incur $200 deductible)
While many states allow you to reject Uninsured Motorist coverage, Virginia is not one of them. You are not allowed to register or operate a vehicle in Virginia until you have basic insurance coverage. In fact, even trying to register your vehicle before getting car insurance might result in a $500 fine.
How Can You Save Money On Car Insurance In Virginia?
The best way to save money on car insurance in Virginia is to get a budget-friendly policy from the very start. Compare lots of car insurance quotes VA companies offer so you can get the best deal. Check in periodically to see if rates have changed. Sometimes, the best deal on car insurance means switching providers!
Remember that you can qualify for Virginia car insurance discounts for a number of reasons:
- Avoiding accidents and traffic citations for at least a full year after starting your policy
- Taking a defensive driving course and providing proof to your car insurance provider
- Maintaining your vehicle regularly or installing new safety features, like a backup cam
- Buying a new vehicle that your auto insurance provider deems safer than your old one
Even things like paying off credit card debt or moving to a different neighborhood may influence your monthly insurance premium. That’s because car insurers consider those with a better credit score to represent less risk. Likewise, an area with fewer car accidents means more savings.
Naturally, you also want to develop a long-term record of driving safety.
Any time you get stopped in Virginia, there is a chance something will happen that could raise the cost of your auto insurance. With that in mind, it’s important to know about Virginia’s special ban on radar detectors.
Radar detectors are used by motorists to detect speed-monitoring technologies used by police. In some states, there are no rules against this. In Virginia, it is prohibited and could result in penalties against your license.
A law enforcement officer may confiscate a radar detector in Virginia or fine you for having it. Penalties still apply even if the device is turned off or non-functional. You can save a lot of trouble by avoiding these devices in Virginia.
What Happens If You Don’t Have Car Insurance In Virginia?
Car insurance is mandatory in Virginia. If you don’t have it, you can face severe penalties. Carrying proof of car insurance is also required.
You can be asked for proof of car insurance by any law enforcement officer. Failing to hold insurance results in a $500 fine. If convicted, driving without insurance is a Class 3 misdemeanor. You may lose your driver’s license, vehicle registration, and license plates.
In addition to costly reinstatement fees, you’ll also be required to hold a special SR-22 insurance endorsement. This designates high risk drivers and makes your car insurance more expensive. It is usually held for three years.
Cheap Insurance makes it easier than ever to find the best car insurance rates in Virginia. With a click of your mouse, you can compare Virginia car insurance from providers all over the state. Your cheap Virginia car insurance could be ready and waiting to go as soon as tomorrow.
Compare car insurance quotes VA drivers prefer or contact us for more information.
Who Has The Cheapest Car Insurance In Virginia?
Car insurance in Virginia has the potential to be some of the least expensive in the nation. Virginia consistently ranks in the bottom 25% of all U.S. states and Washington, DC when it comes to car insurance costs. In general, Virginia drivers in their 30s and 40s with a clean driving record have the cheapest car insurance.
No one company consistently offers the best Virginia car insurance rates. With that in mind, it’s important to compare car insurance quotes VA law recognizes from many different providers. By comparing car insurance in Virginia, you can save money on Virginia car insurance policies.
How Much Is Car Insurance A Month In Virginia?
The cost of car insurance in Virginia varies. Your location, driving record, credit score, vehicle, and many other factors can play a role. But research shows cheap auto insurance in Virginia is easier to find than in most states. The average premium is about $106 a month.
But it’s still worthwhile to spend time finding the car insurance quotes VA drivers prefer. If you choose to go with basic auto insurance in Virginia, you can end up paying as little as about $33 a month. The $900 a year difference could have a substantial impact on any Virginia driver’s budget.
What Is Full Coverage Auto Insurance In Virginia?
“Full” car insurance in Virginia provides more injury and property damage liability coverage if you are in an accident. This helps ensure that even if the accident is expensive, you’re more likely to have enough coverage to pay all the costs. That can keep you out of court with other drivers.
All full coverage auto insurance in Virginia provides more protection than the minimum required by state law. Still, the definition of “full coverage car insurance” varies, because different insurers offer different maximum coverage levels. Based on car insurance quotes VA drivers use, the average annual cost is over $1,100.
What Is The Average Cost Of Auto Insurance In Virginia?
The average cost of car insurance in Virginia is among the lowest of all U.S. states: About $106 a month. Past car accidents and traffic infractions can drive up costs, while a safe driving record, defensive driving training, or a safe vehicle may reduce premiums.
With rates that good, you still shouldn’t miss out on the chance to find the car insurance quotes VA motorists like the most. Cheap auto insurance in Virginia can cost as little as $33 a month. To discover the best deal on auto insurance in Virginia, always be sure to compare offers from several insurers.