|Elephant Insurance||$83 /mo|
How to Get Cheap Car Insurance in Virginia?
The auto insurance rates in Virginia are a bit cheaper than the rest of the states in the USA. Still, it is difficult to afford for a lot of drivers in the state. Hence our team of experts provides cheap car insurance rates to all the drivers.
Our list of all the top companies that have the most affordable rates helps the driver to select the right company. Here is the list of all the top companies that have the cheapest minimum coverage in Virginia:
Which are the Best Car Insurance Companies in Virginia?
RateForce team understands the difference between cheap and best rates. Not every driver needs to want the cheapest rates, some drivers want the best insurance deals. And we value our clients who need the best auto insurance companies in VA. As a result; our team works hard to analyze different companies that can provide the best car insurance.
The analysis of companies depends on factors like the reliability of the company, growth rate, and customer reviews. Based on all these factors, we have the list of top car insurance companies in Virginia:
|Elephant Insurance||$83 /mo|
How to Get Best Car Insurance Coverage In Virginia?
Minimum Car Insurance Requirements in Virginia
State minimum auto insurance is one of the legal requirements that every driver has to follow to drive any vehicle as per Virginia car insurance laws. Below are the minimum car insurance requirements in Virginia state:
- Bodily Injury Liability (BIL) Coverage:
If a driver is at fault in a road accident then all the medical expenses on the victim are the driver’s responsibility. These medical expenses are covered under bodily injury coverage liability. In Virginia; the minimum auto insurance for bodily injury liability is:
$25,000 per person if the only driver is injured and $50,000 per accident if passengers are also involved in the accident.
- Property Damage Liability Insurance Coverage (PDL):
The driver will be responsible for all the property damage caused to the victim. And all the repair expenses will be covered by the car insurance company of the driver. The minimum auto insurance coverage for property damage in Virginia is $20,000 per accident.
- Uninsured and Underinsured Motorist Coverage:
If the other driver is at fault in an accident but not capable to cover your expenses then your insurance company will come forward. In Virginia; the minimum insurance for uninsured and underinsured motorist coverage is:
$25,000 per person and $50,000 per accident for bodily coverage and $20,000 per accident with a deductible of $200 per hit and run accident.
Cheap State Minimum Coverage in Virginia
Here is the list of best companies that provide the lowest average rates for state minimum insurance coverage in Virginia:
- Safe Auto: $95 per month
- GAINSCO: $120 per month
- Travelers: $138 per month
- Assurance America: $260 per month
- Elephant: $109 per month
Cheapest Basic Full Insurance Coverage in Virginia
Here is the list of top insurance companies that provide the lowest average rates for our unique basic full insurance coverage in Virginia. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Safe Auto: $98 per month
- Travelers: $145 per month
- GAINSCO: $135 per month
- Elephant: $150 per month
- Assurance America: $269 per month
Cheap Premium Full Insurance Coverage in Virginia
Here is the list of top auto insurance carriers that provide the cheapest full coverage in VA. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Assurance America: $270 per month
- Safe Auto: $106 per month
- Travelers: $145 per month
- GAINSCO: $150 per month
- Elephant: $165 per month
Additional Auto Insurance Coverage in Virginia
Now that you’ve learned about the different types of insurance that are needed to drive in Virginia. Let’s look at some forms of insurance that aren’t needed but can help you save money. A driver can purchase the following forms of insurance:
- Collision Auto Coverage:
Collision coverage is necessary if you are involved in an accident that results in damage to your vehicle. Collisions with living and nonliving things are included. As a result, it may be a tree, a fence, a pedestrian, or a person’s home. Your insurance provider will pay all of your car’s maintenance costs in these situations.
- Comprehensive Insurance Coverage:
In the event of a natural or man-made catastrophe, comprehensive coverage is beneficial. When your car is destroyed by natural disasters such as floods, fires, earthquakes, or vandalism. Your insurance company will step in to cover all of your car’s repair costs in this case.
- Medical/Funeral Services:
This form of insurance is designed to assist you with emergency care such as calling an ambulance or transporting a deceased person. In addition, the insurance provider may help with the driver’s or passengers’ funeral arrangements. And the insurance company will cover all of your expenses.
- Roadside Assistance:
If your car breaks down while driving through a remote road or on a highway. Who can you phone? You can contact the insurance company if you have roadside assistance coverage. Your insurance provider will dispatch assistance right away to fix or tow your vehicle to a safe location. And your auto insurance company in Virginia will cover all of your expenses.
- Loan/Lease Payoff:
What would you do if your car is totaled in an accident and you still owe money on a loan or lease? If you have coverage for such events, the insurance company will be able to assist you. Your insurance provider will provide financial assistance to help you pay off the outstanding loan or lease.
- Rental Car Reimbursement:
If you want to go to work or somewhere and your car is with your auto insurance provider. You can then rent a car. In addition, the insurance provider would cover the cost of renting.
Cheap Car Insurance Quotes in Virginia on Ticket Profile
Several factors affect the auto insurance rates for every driver. Based on these factors; the auto insurance carriers have created some ticket profiles of the drivers. These ticket profiles get either higher or lower car insurance rates as compared to all the other drivers. Below are the top ticket profiles in Virginia and the approximate cost of auto insurance:
Cheapest Car Insurance for Drivers with a DUI in Virginia
Between 2009 and 2018; 2278 people died in crashes that involve an alcohol-impaired driver. Driving under the influence is one of the serious crimes that can lead to jail time and penalty. But the punishment doesn’t end only to this. A driver with DUI on their record gets the higher auto insurance rates. There is a long process of getting out of a DUI which includes reinstatement fees, court fines, an SR-22 filing.
As a result; the drivers usually try to avoid the process and pay for the higher insurance rates. In Virginia; DUI drivers can try to buy car insurance from these carriers to get the cheapest rates:
|State Farm||$97 /mo|
|Virginia Farm Bureau||$109 /mo|
Best Auto Insurance for Good Drivers in VA
Teen drivers have three times higher chances of getting into a fatal accident as compared to the other drivers. Drivers with clean driving records and a good experience on the roads are considered as good drivers. A good driver in every state always gets the cheapest auto insurance rates as compared to other drivers. The reason behind this is; the insurance companies consider good drivers as less risky and more responsible.
So, good driver rates with car insurance discounts can result in a very cheap insurance premium. Here are the top auto insurance carriers in Virginia that have the cheapest insurance rates for good drivers:
Cheap Virginia Car Insurance Rates for Drivers with an At-Fault Accident
Drivers with an at-fault accident on the record are considered the riskiest drivers. And most of the time the insurance companies even cancel the insurance policy. The insurance company does not care about the type of accident. You can try to argue that it was just a small collision but you will get the tag of the at-fault driver.
The driver has the right to apply for accident forgiveness in such situations. But to accept and reject forgiveness depends on the company and the victim. The at-fault drivers can only try to apply different types of car insurance discounts. Here is the list of some auto insurance carriers you can try to get cheap insurance rates:
|State Farm||$68 /mo|
|Virginia Farm Bureau||$74 /mo|
|Auto Owner||$79 /mo|
|State Farm||$91 /mo|
Cheap Car Insurance for Speeding Drivers in Virginia
In 2018; 9378 people were killed in the USA due to speeding. Speeding drivers are always dangerous not only for the passengers but also for other drivers and pedestrians. This is the reason that most insurance companies consider speeding drivers as risky. As a result; drivers with speeding records get higher car insurance rates.
It is important to note that; the driver gets some points on the license at the time he or she get caught. These points are the speed of the vehicle at that time. Based on these points the insurance company increases the annual premium rates.
Following are some companies that provide affordable auto insurance rates to speeding drivers:
Cheap Car Insurance for Young Drivers in VA
Young drivers are also risky drivers because they lack experience. And as a result; they get higher car insurance rates. The drivers under 25 years of age can try to get a students discount.
In Virginia; a student should have an average of B or higher grade to get a student discount. Another benefit for teen drivers is; Virginia government does not allow discrimination for gender, credit score, or education. Hence the auto insurance cost might get a bit lower.
Following are the top auto insurance companies in Virginia that have the cheapest rates for young drivers:
|Virginia Farm Bureau||$115 /mo|
|State Farm||$134 /mo|
Cheapest Coverage for Drivers with Poor Credit in Virginia
Even though the government has banned the insurance carriers to consider the credit score of a driver. Still, most of the companies consider drivers with a poor credit score is irresponsible. Hence they provide higher auto insurance rates to such drivers.
Following are the top companies in Virginia for the affordable car insurance rates for drivers with bad credit score:
Which Car Insurance Discounts are available in Virginia?
There are multiple ways to save money on car insurance in Virginia but the easiest way is to get as many discounts as possible. For car drivers, each company offers a variety of discounts. Here are the four most common discounts that any car insurance company can offer:
Multiple Vehicles Discount:
If you have multiple vehicles and need insurance on all of them, you will save a lot of money. Your insurance firm will make every effort to persuade you to insure all of your cars with them. As a result, they will give the best discounts.
Advance Premium Payment Discount:
Car insurance premiums paid in advance will save you hundreds of dollars. If you can afford to pay the annual fee in advance, you will be eligible for a discount. Drivers who pay their premiums in advance are rewarded by their insurance providers. The insurance provider then provides discounts as a benefit.
Policy Binding Discount:
This form of discount is available if you already have auto insurance but need additional coverage. You may include life insurance or homeowner’s insurance, for example. In certain situations, the insurance provider will give you lower rates in order to get you to purchase all of your other plans from the same insurer.
Latest Safety Features Discount:
The driver, passengers, and the vehicle all benefit from advanced safety features. You can apply for a discount if the vehicle has features including an automatic seatbelt, anti-theft alarms, airbags, and so on. This is because sophisticated safety features reduce the likelihood of incidents and injuries. As a result, there are less chances of filing a claim.
SR-22 Car Insurance in Virginia State
SR-22 insurance is compulsory for drivers who have suspended licenses. The reason for license suspension can be too many DUIs, violations, or at-fault accidents. SR-22 insurance is proof that the driver is financially stable to cover the minimum auto insurance requirements of the state.
The process of filing an SR-22 is not expensive, but the cost of buying SR-22 insurance is not affordable for everyone. Here are some companies that provide the cheapest car insurance for SR-22 drivers in Virginia:
|High-risk Rating Factor||Average Annual Rate||Increase vs. No violations|
|At-fault collision (>$2,000)||$1,597||$573|
|Speeding (21-25 mph > limit)||$1,307||$304|
Best Cities for Cheap Car Insurance in Virginia
Location plays a very important role in auto insurance cost calculation. The state, city, or even Pincode can change the insurance premium for a driver. Factors like crime rates, road conditions, and even environmental conditions play an important role.
Here is the list of average car insurance cost in top Virginia cities:
|City||Avg. Annual Premium|
FAQs About Car Insurance In Virginia
How to find the cheapest Car insurance in Virginia near me?
The best ways to get auto insurance in Virginia near you are:
- Compare the rates: Don’t forget to compare auto insurance rates in virginia from different companies in your area.
- Discounts: Ask for different types of car insurance discounts that apply to your profile.
Is Virginia a tort state?
Yes, Virginia is a tort state. A tort state is also called an at-fault state. That means; if a driver is at-fault in an accident then the insurance company of the driver will be responsible. So all the expenses of the victim will be covered by the driver’s insurance carrier.
How to compare rates from different companies?
There are two ways to compare car insurance rates from all the best companies in your area:
- Manual: List out the names of the companies and call each one to ask for the insurance quotes.
- Automatic: Enter your ZIP Code on a auto insurance rate comparison website like Rateforce. You will get a list of all the best companies along with the insurance rates.
How much are the average car insurance rates in Virginia?
The average cost of car insurance in VA for minimum requirements is $449 per year. And The average car insurance rate for full coverage is $903 per year.
How I can get cheap car insurance in Virginia without paying any deposit?
You can not get auto insurance in Virginia without paying anything upfront. Even if a company agrees to let you buy car insurance without a down payment or deposit. You will still have to pay your first month’s premium in advance.
How to register a car in Virginia without car insurance?
You can not register a car in Virginia without auto insurance. Proof of insurance is compulsory at the time of registration.
Is car insurance expensive in Virginia?
Auto insurance in Virginia is not as expensive as compared to the other states. It is cheaper than the national average car insurance cost of the USA.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.