Cheap Virginia Auto Insurance for 2024

Like most states, Virginia requires that drivers carry auto insurance. Fortunately, rates are low, making it easy to get affordable Virginia auto insurance quotes.

Virginia minimum auto insurance requirements include liability and uninsured/underinsured motorist coverage. However, many drivers may need additional coverage and higher limits to be better protected.

Understanding auto insurance can be hard but we have everything you need to know to buy Virginia auto insurance with confidence.

To find affordable Virginia auto insurance rates right now, enter your ZIP code above.

Virginia Auto Insurance Laws And Requirements

Virginia requires that drivers carry at least a minimum amount of car insurance. While auto insurance requirements by state vary widely, Virginia has low minimum coverage requirements. 

In Virginia, the state liability coverage minimums are:

• Bodily Injury Liability Coverage – $25,000 per person
• Bodily Injury Liability Coverage – $50,000 per accident
• Property Damage Liability Coverage – $20,000 per accident

Take a look at how Virginia’s minimum rates compare with surrounding states.

Uninsured/Underinsured Motorist coverage minimums:

• Bodily Injury Coverage – $25,000 per person
• Bodily Injury Coverage – $50,000 per accident
• Property Damage Coverage – $20,000 per accident

Optional coverage choices in Virginia include:

• Comprehensive Coverage
• Collision Coverage
• Medical Expenses Coverage
• Rental Car Reimbursement Coverage
• Roadside Assistance / Towing and Labor Coverage

Drivers in Virginia are governed under what is known as a tort insurance system, which means that when an accident occurs, one of the drivers involved will be held responsible, or at fault.

State law also directs drivers to establish financial responsibility in the form of minimum requirements for auto insurance coverage. There are four main areas that drivers need to purchase auto insurance, and minimum rates for each are involved.

The first two mandatory auto insurance liability policies cover instances when you are found to be at fault for the accident. Bodily injury liability or BIL insurance covers the medical costs for the parties in the other vehicles that sustain injuries due to your actions.

The minimum coverage for BIL is $25,000 per person for a single accident and $50,000 for all parties in a single accident. Property damage liability or PDL insurance covers the costs associated with damage that you cause to another person’s property in an accident that you are found at fault for, such as auto body damage. The minimum coverage required for PDL is $20,000.

The next two legally required coverages are for instances when you are in an accident with an uninsured motorist, and the accident is their fault. Since the other driver doesn’t have insurance, it’s best if you have some form of coverage to take care of you.

The legally required amount of uninsured motorist BIL coverage is the same $25,000 per person in a single accident and $50,000 for all parties. If you typically drive with your entire family in the car – you may consider investing in higher coverage just in case. The uninsured motorist PDL minimum coverage requirement is $20,000 – you can determine based on the value of your car if this is going to be adequate for you.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Virginia Auto Insurance Rates

Average insurance rates in Virginia are cause enough for drivers to jump for joy when compared to those in the rest of the nation.

Luckily the insurance rates in Virginia are much cheaper in comparison to the other states in the nation.

The statewide average for auto insurance premiums is just $1100 per year, which works out to under $100 per month. This is about $300 less per year than the national average, which ranks Virginia as one of the least expensive states to insure your automobile. Unlike other major metropolitan areas, the situation doesn’t get much worse in Virginia’s major cities.

Residents of Norfolk are looking at about $1560 per year for auto insurance, and those in Virginia Beach are about $1320. Unless you have some rather dire circumstances, it’s almost a certainty that you’ll pay less than the average national auto insurance rate to insure your car in Virginia.

There are a lot of factors that impact how car insurance rates are calculated. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

To get the cheapest Virginia car insurance, avoid infractions on your driving record, and improve your credit score.

Read more: Get Affordable Washington D.C. Auto Insurance Quotes

Virginia Car And Driving Statistics

Over the past couple of years, Virginia drivers have seen some slight decreases in auto crashes and injuries related to crashes on the state’s roads. In 2010, Virginia drivers took part in 116,386 traffic accidents, which was a decrease of less than half of a percentage point over 2009 – a very small decrease.

However, the total of 61,418 injuries was down 2.5%, and the 740 fatalities suffered as a result of traffic accidents was a drop of 2.1% from 2009’s total. Virginia was of the few states to have a relatively flat crash rate over the past couple of years, and drivers in the state will need to work a bit harder if they want to see that total come down in the future.

Auto theft statistics, on the other hand, look positively golden for Virginians. The state saw just 11,419 instances of vehicle theft in 2009, which is down about 40% from the beginning of the decade and down about 14% from 2008’s total.

This works out to a rate of just 144 vehicle thefts per 100,000 residents, which is quite low considering the size of Virginia’s population and places the state in the top 10 for the lowest vehicle theft rates in the nation.

These low auto theft rates are attributed to a combination of law enforcement initiatives as well as much greater use of anti-theft devices and care taken by vehicle owners to secure their vehicles.

Cheap Auto Insurance In Virginia

Virginians can take satisfaction in their auto insurance landscape, as they enjoy lower average payments compared to residents of similarly populated states. This is attributed to a lower risk of accidents and auto theft in the state. Experience the benefits of affordable coverage with cheap West Virginia Auto insurance.

As long as drivers in Virginia continue to take care on the roads and keep their vehicles secured, they should enjoy low auto insurance rates for years to come.

Let’s take a look at how rates vary between some of the largest companies.

But which companies are the largest, holding the most market share percentage in the region?

If you would like to get an auto insurance quote for your Virginia vehicle, enter your zip code in the box above and fill out our brief form.  After entering some basic information about you and your vehicle, you will be given the most competitive rates in the state of Virginia.

Virginia Auto Insurance Agents

• Get Affordable Brookneal, VA Auto Insurance Quotes (2024)
• Get Affordable Buckingham, VA Auto Insurance Quotes (2024)
• Get Affordable Earlysville, VA Auto Insurance Quotes (2024)
• Get Affordable Independence, VA Auto Insurance Quotes (2024)
• Get Affordable Lovettsville, VA Auto Insurance Quotes (2024)
• Get Affordable Madison Heights, VA Auto Insurance Quotes (2024)
• Get Affordable Raven, VA Auto Insurance Quotes (2024)
• Get Affordable Ridgeway, VA Auto Insurance Quotes (2024)
• Get Affordable Wytheville, VA Auto Insurance Quotes (2024)

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Virginia Auto Insurance Resources

If you need more information about Virginia car insurance, check out these resources:

• Virginia Bureau of Insurance – Homepage of the Bureau of Insurance Division of the Virginia State Corporation Commission.
• Virginia State DMV – Virginia Department of Motor Vehicles.
• Insurance Requirements- From the state of Virginia DMV
• Virginia Highway Laws – Information from the Governor’s Highway Safety Association

Virginia auto insurance companies can also help determine the state requirements.

Affordable Virginia Auto Insurance Quotes: The Bottom Line

Because of low minimum requirements, it’s relatively easy to find cheap Virginia car insurance. However, while minimum coverage meets state requirements, you may need additional coverage.  Compare quotes from multiple companies to find the most affordable Virginia auto insurance rates available.

Ready to compare Virginia auto insurance quotes? Enter your ZIP code to see rates from top Virginia auto insurance companies.

Discover the top auto insurance agents located in various towns across Virginia, from Brookneal to Wytheville. Whether you’re in the serene landscapes of Earlysville or the bustling areas of Madison Heights, this guide connects you with reputable agents in your locality, ensuring your vehicle is covered with the best possible insurance options.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption