Compare Auto Insurance in Virginia
There is a famous saying that “Virginia is for Lovers”. Well, this page is for lovers of car insurance savings. If you want to make sure that you’re getting the best deal on car insurance, you’ll love this site.
Find out how your rates stack up, how to get better rates, and more.
Average Virginia Car Insurance Rates
How much is car insurance in Virginia? You may be surprised to learn that the average cost of car insurance in Virginia is slightly lower than the national average. The average cost of auto insurance in Virginia is $750.85 per year. The national average price is $889.01
Prices for premiums will vary depending on your limits, coverage, and the total number of claims filed in your zip code.
| Coverage | Rates | ||
|---|---|---|---|
| Liability | $425.61 | ||
| Collision | $280.520 | ||
| Comprehensive | $136.54 | ||
| Total Cost Per Year | $750.85 | ||
| Price Per Month | $62.57 | ||
| Source: Facts + Statistics: Auto insurance | |||
The graph below shows the change in average Virginia rates from 2011 to 2015, the most recent year the data is available. According to the III, Virginia car insurance rates increased from $679 in 2011 to $750 in 2015, a jump of $71 dollars, or 10.48 percent.
Looking for car insurance in Virginia that provides the best coverage for an affordable rate? Shop around. Compare rates from a number of insurance companies.
QuoteWizard can help with that. We’ll connect you to top auto insurance companies so you can find a policy that protects you and your loved ones without breaking the bank.
Last year, 58,605 people used QuoteWizard to compare car insurance quotes in Virginia from multiple companies.
Best Car Insurance Companies in Virginia
This is our list of the most common car insurance companies reported by QuoteWizard users living in the state of Virginia last year. Out of the 58,605 Virginia drivers that used QuoteWizard to request insurance quotes last year, 5,361 were uninsured.
Top 10 Vehicles
These are the most common vehicles owned by Virginia drivers requesting car insurance quotes through QuoteWizard in the past year.
- Ford F150
- Honda Accord EX/LX
- Honda Civic EX
- Toyota Camry LE/XLE/SE
- Ford Taurus
- Ford Ranger
- Ford Explorer
- Nissan Altima 2.5 S
- Ford Mustang
- Chevrolet Cavalier
Virginia State Auto Insurance Laws
Minimum Car Insurance Requirements in Virginia
If you drive a vehicle registered in Virginia, you must maintain a minimum level of insurance coverage of 25/50/20 plus uninsured/underinsured coverage. This means that you must have a policy with at least the following:
- $25,000 of coverage for bodily injury liability per person
- $50,000 of coverage for bodily injury liability per incident
- $20,000 of coverage for property damage liability per incident
- $25,000 of uninsured/underinsured motorist bodily injury coverage per person
- $50,000 of uninsured/underinsured motorist bodily injury coverage per incident
- $20,000 of uninsured/underinsured property damage coverage per incident
Alternatively, you could pay a $500 annual Uninsured Motor Vehicle Fee and legally drive a vehicle in Virginia without insurance. However you will have no protection of any kind. QuoteWizard urges motorists instead to purchase at least Virginia’s legal minimum insurance coverage.
Recommended Coverage Levels
Virginian weather presents a wide array of perils for drivers. Not all threats on the road come from other cars. Extreme storms, flooding, and hurricanes can all cause serious damage to your vehicle. In order to protect yourself, get comprehensive insurance. It not only covers damage caused by natural disasters, but also from theft, vandalism, and fire.
There are some hard limits to what minimum coverage can do. It provides you with the required coverage for the vehicle to be road legal, which helps cover damages you cause to other drivers. However, it doesn’t cover your costs. Furthermore, a severe accident could easily go over the payout amount that minimum liability provides. In light of this, we recommend:
- Individual Body Injury Liability: $100,000
- Total Bodily Injury Liability: $300,000
- Property Damage Liability: $100,000
Required Proof of Auto Insurance
Any time you drive in Virginia, you must be prepared to show your car insurance identification card to law enforcement upon request. You will get this identification card from your car insurance company when you buy a policy. The card must include all of the following:
- Name of the insurance company
- Policy number
- Effective date of the policy
- Expiration date of the policy
- Description of the year, make, or model of the insured vehicles, or the name of the insured driver.
Penalties
The Virginia DMV monitors insurance coverage through their Insurance Verification Program. If a vehicle is found to have become uninsured at any point, the license and registration of the driver will be suspended until the driver:
- Pays a $500 statutory fee
- Maintains proof of financial responsibility, Form SR-22, for three years
- Pays a reinstatement fee, if applicable
SR-22 Requirements
Virginia residents that have had their driver’s license suspended due to drunk driving convictions or other violations must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.
Virginia state law requires that an SR-22 be carried for 36 consecutive months. If a driver fails to renew their policy 15 days before expiration, a letter is sent to the state resulting in suspension of their license. Once renewed, the license will be reinstated, but this can be a time-consuming process
State of Virginia Traffic Safety Laws
Distracted Driving Laws
Using a cell phone while driving is against the law in Virginia for any driver under the age of 18. All drivers are banned from sending or receiving text messages while driving in Virginia.
Implied Consent Law
This law says drivers suspected of impaired driving must consent to a blood test. Refuse the test and you’ll face license suspension.
DUI Law
If you drive or operate a motor vehicle in Virginia with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).
Booster Seat Law
Children age 7 or younger must be restrained in a federally approved car seat, in rear seat if possible. If the car seat is in the front seat, any passenger-side airbags must be deactivated. Children age 8 and up may use adult seat belts. The minimum fine for failing to properly restrain a child is $50 for a first offense.
Senior Drivers in Virginia
Car insurance rates often increase around the time drivers turn 65. It's a small increase for drivers with clean records.
All drivers are required to renew their driver’s license every 8 years. Beginning at age 75, drivers must complete a request to renew their driver’s license in person every five years, and must complete a vision test, or provide the results of a recent vision test.
Seat Belt Laws
Virginia requires that all drivers wear seat belts, as well as passengers 18 or older in the front seat(s). Adults in the back seat are not required to wear seat belts. Minors are required to use approved child seats as mentioned above. The maximum penalty for failing to wear a seat belt as required is $25.
Vehicles Registered in Another State
Do you drive a car in Virginia that's registered in another state? If so, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement.
Car Insurance Risk in Virginia
Uninsured Motorists
The percentage of Virginia residents estimated to be driving without insurance is 10.1%. That ranks Virginia as #31 among US states and the District of Columbia, slightly better than average.
Vehicle Thefts
Virginia had 7,665 vehicle thefts reported in 2014, a 11.1% decrease compared to 2013. In 2014, the vehicle theft rate was 92.1 per 100,000, a decrease of 11.7% over the 2013 rate of 104.3 per 100,000.
The vehicle theft rate in the Commonwealth of Virginia is well below the overall US vehicle theft rate, which was 216.2 per 100,000 in 2012.
Top 10 Most Stolen Vehicles
Source: National Insurance Crime Bureau - Hot Wheels Report 2014
- 1997 Honda Accord
- 2006 Ford Pick-Up (Full Size)
- 2014 Toyota Camry
- 2000 Honda Civic
- 2002 Chevrolet Pick-Up (Full Size)
- 2006 Nissan Altima
- 2010 Toyota Corolla
- 2014 Chevrolet Impala
- 2002 Ford Explorer
- 1996 Jeep Cherokee/Grand Cherokee
Virginia Auto Insurance Company Market Share
| Rank | Market Share | Company |
|---|---|---|
| 1 | 6.36% | United Services Automobile Association (USAA) |
| 2 | 5.04% | Allstate (Property & Casualty) |
| 3 | 4.44% | Geico General Insurance Co. |
| 4 | 4.08% | Geico Indemnity Co. |
| 5 | 3.90% | USAA Casualty Insurance Co. |
| 6 | 3.85% | Nationwide |
| 7 | 3.57% | Allstate |
| 8 | 3.38% | Erie Insurance Exchange |
| 9 | 3.29% | Progressive Advanced Insurance Co. |
Virginia Bureau of Insurance
- Website:
- BoI Homepage
- Insurance Commissioner:
- Scott A. White
- Insurance Hotline:
- (800) 552 – 7945
- File a Consumer Insurance Complaint
- Complaint Page
Sources:
- NHTSA Fatality Analysis Reporting System
- Insurance Information Institute – Minimum Coverage Levels by State
- National Insurance Crime Bureau
- Governors Highway Safety Association
- Insurance Information Institute – Insurance Expenditures by State
- Virginia DMV
- Virginia Proof of Financial Responsibility
- Licensed Private Passenger Auto Writers in Virginia-2014
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