Get Affordable Virginia Auto Insurance Quotes (2023)

As the 12th most populous state in the country and one of the original thirteen colonies, the Commonwealth of Virginia has a long, storied history and has played a major part in the development of the United States. Whether you have lived here your entire life or are new to Virginia, you need auto insurance.

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

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 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.

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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 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 auto insurance companies take into consideration when determining your rates. 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.

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 percent, and the 740 fatalities suffered as a result of traffic accidents was a drop of 2.1 percent 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 percent from the beginning of the decade and down about 14 percent 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 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 should be quite happy with the way things sit in regards to their auto insurance. Residents of the state pay much less on average than those in other similarly populated states, resulting from a relatively low risk for accidents and auto thefts. 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.

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Virginia Auto Insurance Agents

Virginia Auto Insurance Agents

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Virginia Auto Insurance 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’sHhighway Safety Association

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