Compare Auto Insurance in Virginia
Virginia Auto Insurance Minimums
- $25,000 bodily injury for one person
- $50,000 per accident
- $20,000 property damage
- Click here for more auto insurance minimums in Virginia.
Virginia DUI Laws
- DUI is considered a BAC of 0.08%.
- Enhanced sentencing for BAC of 0.15% and higher.
- Click here for more DUI laws in Virginia.
Virginia SR-22 Auto Insurance Requirements
- SR-22 may be required for a number of reasons.
- An SR-22 is typically required to reinstate a suspended license.
- Click here for all SR-22 requirements in Virginia.
Virginia Hands-Free Laws
- The Virginia legislature has passed several cell phone/texting laws.
- Virginia Senate Bill 517 prohibits drivers from using a cell phone while operating a motor vehicle.
- Click here for Hands-Free laws in Virginia.
Virginia Teen Auto Insurance
- Virginia utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
- Virginia teens must be at least 15 years, 6 months to obtain an instruction permit.
- Click here to learn all you need to know about Virginia teen driver laws.
Virginia differs somewhat from other states in that it maintains a financial responsibility law. This law requires a Virginia motorist to do one of two things:
- Insure your vehicle through a certified state insurer OR
- Pay an uninsured motorist fee of $500 and drive at your own risk
If you are involved in an auto accident and found to be responsible, the last thing you want to be is underinsured. The time to plan for this situation is when you are selecting the types of coverage to be included in your personal auto insurance policy. The importance of having the proper amount of coverage cannot be over-emphasized.
Your insurance policy is basically a contract between you and your insurance company. You agree to pay the premium and the insurance company agrees to pay for losses and/or damages in the event of an accident. It’s important to remember when drawing up your personal policy that most states only require minimum coverage amounts. Most insurance experts agree that you should base your deductibles and types of coverage on your personal needs and circumstances.
Being underinsured can be almost as devastating as having no insurance. When speaking with your agent, be sure to take into consideration all aspects of your situation- family, income, and personal assets- when putting together your auto insurance policy.
If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Virginia requires the following minimum coverage amounts to be purchased and maintained by all motorists:
- $25,000 total for bodily injury coverage, per person
- $50,000 total for bodily injury coverage, per accident
- $20,000 total for property damage, per accident
Virginia also mandates that all drivers carry Uninsured/Underinsured Motorist coverage. This covers your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance or not enough coverage to pay for the damages. The minimum coverage amounts are:
- $25,000 total, per person
- $50,000 total, per accident
- $20,000 total, property damage per accident
It’s important to remember that these amounts are the minimum required by law. Most insurance experts recommend that you consider purchasing higher amounts of coverage to protect yourself financially. If you don’t have the proper amount of coverage and are held responsible in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.
Your auto insurance agent is a knowledgeable and trusted source for information regarding your state’s minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage or Comprehensive Coverage, for example.
For any other concerns or questions, please contact:
Virginia Bureau of Insurance
1300 E. Main Street
Richmond, VA 23219
(800) 552-7945 Toll Free Instate
Virginia Car Insurance Agents
If you live in Virginia and are searching for an auto insurance agent to assist you with your insurance needs, you are in the right place.
Auto insurance agents are skilled professionals whose goal is to make the process of buying auto insurance easy and enjoyable for you- their customer. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right Virginia Auto Insurance policy for each individual client in terms of coverage and cost.
By asking the right questions about your personal needs and circumstances with regards to insurance and listening carefully to your answers, a good agent can put together a comprehensive auto insurance policy which protects you and your property, as well as your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle.
If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to make sure you get the best auto insurance policy available that meets both your needs and budget.
Tips to saving money on your insurance premiums
- Drive carefully. A clean driving record can add up to big savings when buying insurance.
- If you’re purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
- Reduce coverage on an older vehicle, especially if it’s paid for.
- If you have a teenage driver in the family, ask about teen driver discounts.
- Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Before applying for insurance, obtain copies of your personal credit report from the three major credit bureaus and check them for accuracy. Report any errors or out-of-date information directly to the reporting bureau.
- Raise your deductible. Remember, the higher your deductible, the lower the cost.
By taking advantage of these money-saving tips and working with a professional insurance agent, you can be confident that you are getting the lowest possible rate on your auto insurance policy!
The proliferation of the web has made it easy to find information one needs to make sensible decisions. The same goes for auto insurance. CarInsurance.info offers a list of the most affordable Virginia auto insurance premiums. You can compare insurance costs of several providers and choose one that helps save time and money. We provide you with a list of the lowest auto insurance rates throughout the state.