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Last updated: May 16, 2016 at 16:37 pm

Car Insurance Coverage in Virginia

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Virginia drivers pay auto insurance premiums that are about 15% below the national average. However, there are ways to make auto insurance costs even cheaper. This page will tell you what every Virginia driver needs to know about getting the coverage needed without paying too much.

Virginia drivers may get lower rates for:
  • Insuring more than one car.
  • Buying cars with anti-theft devices, anti-lock brakes, or automatic seat belts.
  • Making sure your teenagers who drive take a driver education course
  • Making sure your teenagers who drive get good grades.
  • Maintaining a good credit score.
  • If you are over 55, taking a defensive driving course.
  • And most importantly, making sure you pay your premiums on time and you don’t get any tickets or get involved in any crashes

To learn more about savings see Insurantly’s car insurance discounts page where we discuss dozens of opportunities to discover discounts you may not have been aware of.

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Coverage Requirements

Virginia requires the following minimum coverage:

  • Bodily injury/death of one person $25,000
  • Bodily injury/death of two or more persons $50,000
  • Property damage $20,000

Important note: You will incur penalties if you do not comply with the state insurance requirements. Make sure your liability auto insurance does not expire. If it does you have these options:

  • re-insure your car,
  • pay the uninsured motor vehicle fee,
  • temporarily deactivate your license plates, or
  • surrender the license plates to DMV.

If you have received an Insurance Verification Inquiry from the DMV regarding your policy, you are able to submit that information here.

 

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Who Has to Buy Virginia Auto Insurance?

The simple answer to the question of who has to buy Virginia auto liability insurance is that every Virginia driver does. There are some exceptions to the rule but they all involve paying more than just paying for an insurance policy.

All Virginia drivers are required to buy liability insurance for their cars, or to pay an annual $500 Uninsured Motor Vehicle (UMV) fee to the Virginia Department of Motor Vehicles (DMV). (The State will also make arrangements with bonding companies, but these kinds of bonds usually cost thousands or tens of thousands of dollars.)

The Uninsured Motor Vehicle fee does not provide any kind of insurance coverage to the driver of any vehicle. It only allows holders of UMV permits to drive Virginia roads at their own risk.

If your auto liability insurance expires and you are unable to renew it, you can buy a UMV permit, but if you do not, then you must surrender both your license plates and your auto registration to the DMV.

What Can Happen If You Are Found Driving without Car Insurance in Virginia?

If you are found driving without either a UMV or proof of insurance, then you will lose both your driver’s license and your ability to register a new car, and you will have to pay another $500 fee to have your driver’s license reinstated.

The Department of Motor Vehicles is automatically notified when your policy is canceled or changed.

Virginia car insurance Penalties

If you apply and register a vehicle in the state of Virginia and then declare that it is insured, you face penalites if that vehicle is subsequently found to be uninsured.

The Virginia DMV may:

  • Suspend the driver’s license and registration certificates and
  • License plates issued to the owner of the motor vehicle.

You will need to pay the $500 statutory fee. And get an SR-22 form of financial responsibility for up to 3 years and pay a reinstatement fee. [Va. Code Ann. § 46.2-706]

http://www.dmv.state.va.us/

Auto Insurance Laws in Virginia

If you are living and operating a vehicle in the state of Virginia you must have:

  • At minimum $25,000 in bodily injury liability coverage (per accident $50,000 ) and,
  • $20,000  for property damage.
  • Uninsured and underinsured motorist coverage

Speeding tickets in Virginia. If you are cited for speeding and you exceed 80MPH it could be considered reckless driving. This is automatic 6 points and will stay on your drivers record for 11 years. Your Virginia car insurance rate will likely increase and you will be paying high risk insurance.

How can I maintain good rates or get it reduced? Be smart, be cautious, dont take risks, dont drive aggressively in Virginia. Every year you drive without any incidents you will accumulate safety points that can offset any demerit points. Take a defensive drivers tests.  The less risky you appear to Virginia car insurance companies the better for your rate.

Drunk driving in Virginia will also lead to 6 points to your driver record and stay there for 11 years. In other words you do not want to get a DUI in Virginia. The laws are harsh and you will pay high costs for DUI insurance.

Largest Car Insurance Companies in Virginia

RankCompanyMarket Share
1State Farm16.76%
2Berkshire Hathaway Insurance16.14%
3USAA Group12.71%
4Allstate Insurance Group10.13%
5Nationwide Group9.69%
6Progressive Insurance Group8.46%
7Erie Insurance Group3.47%
8Liberty Mutual Insurance Cos3.24%
9VA Farm Bureau Group2.39%
10Travelers Group1.88%

Injured in a Car or truck accident?

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You could get a large settlement:

  • The driver responsible has car insurance
  • He/she was negligent or at fault
  • You are still within your state’s limitations (typically 2 years)

 Do you have a case? Calculate your settlement For free.

Call toll Free: for serious accident injuries and speak with a personal injury firm specializing in serious accident cases . 3 minutes to find out if you have a case!

You also might find these pages useful

Full Coverage

Learn more about full coverage car insurance and if it is right for you.

Liability Car Insurance

Learn more about liability insurance coverage. Every state requires some form of coverage. Do you have the right Virginia limits?

High risk car insurance

Are you paying high rates? DUIs, accidents, filing claims, poor credit, and multiple tickets are examples of what can put you into the high risk category.


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