Virginia Car Insurance – Auto Insurance Quotes in VA
Every state in the country has its own specific car insurance policies, laws, and regulations, including Virginia. However, it can be frustrating enough trying to understand the minimum requirements to meet in Virginia, let alone trying to shop around to find the best rates on the necessary coverage.
MyCarInsuranceRates.com makes it easy by helping consumers find and compare car insurance quotes from the best auto insurance providers in the country. We help you get the cheapest rates on an insurance policy custom built for your needs, so start a car insurance quote now and find cheap Virginia car insurance.
Virginia Car Insurance Requirements
In a Tort system, which is employed by the state of Virginia, one driver involved in an auto accident must be designated as the cause and at-fault. That person and their auto insurance company is then responsible for any of the damages or medical expenses incurred, regardless of whether or not the at-fault driver has adequate insurance. Therefore, it is mandatory in Virginia for all drivers to have sufficient liability coverage with a minimum of $50,000 per accident.
Virginia also seeks to lessen the damage incurred by uninsured motorists by requiring resident drivers to protect themselves against drivers who do not have insurance.
Understanding Virginia Car Insurance Liabilities & Coverage
The basic coverage mandated in Virginia is a 25/50/20 plan; the policy against uninsured drivers is known as a 25/50 UM limit. This means that, in terms of liability, the policyholder’s coverage must protect against a minimum of $25,000 for bodily injury, up to a total of $50,000 per accident, including medical expenses, and $20,000 for any private or public property damages.
Similarly, the insurance policy must cover at least $25,000 for any injured uninsured motorist and $50,000 for all bodily injuries in an accident with an uninsured driver. There is also a minimum limit of $20,000 used to take care of any property damages to an uninsured motorist.
Virginia Insurance Coverage
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $20,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
- Uninsured/Underinsured Motorist Property Damage: $20,000 Limit
Rather than spending tedious amounts of time on the phone or with an insurance agent, it is a much better idea to use the free resources here at MyCarInsuranceRates.com to find and compare which competing insurance providers are ready to offer the most affordable car insurance quotes.
Virginia Car Insurance Laws & Regulations
In the Commonwealth of Virginia, it is actually possible for a driver to drive without insurance, but only if he or she pays a fee of $500 to the DMV, which will expire along with the vehicle’s registration. However, if a driver does not pay this fee and drives without insurance, he or she faces much more serious penalties. Any drivers who fail to properly insure themselves can have their driving privileges suspended indefinitely. Not only that, but the registrations on their vehicles can be suspended as well, and can only be reinstated upon payment of another $500 fee.
Average Virginia Car Insurance Rates
On an average annual basis, Virginia drivers paid $1,306 for car insurance in 2010, much lower than the national average of $1,538. Car insurance rates have stayed fairly steady in the Commonwealth over the past couple of years, but that does not mean it is not possible to find cheaper car insurance. On the contrary, MyCarInsuranceRates.com makes it easy and instant to see which providers are offering the lowest quotes, allowing drivers in Virginia to get all the coverage they need at affordable rates.
Virginia Car Insurance Quotes
Last year alone, car insurance rates in Virginia underwent a 9 percent decrease. There has never been a better time to see what other offers are available. Through MyCarInsuranceRates.com, it is not only possible but quite easy to get the policy you need to fulfill Virginia’s requirements, and to lock in cheaper rates.
My Car Insurance Rates takes the confusion out of getting instant car insurance quotes online. By entering their zip code, we help consumers compare rates offered by multiple different car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA and AARP.
Enter your zip code now and get a free car insurance quote instantly to find cheap Virginia car insurance.
