Virginia insurers typically offer discounts that fall into one of three categories: policy discounts, driver discounts, and vehicle discounts. To get the best high-risk car insurance in Virginia, you should compare quotes from at least three different insurance companies. These are several scenarios that can affect your rate and make it difficult to find affordable car insurance in Virginia. We recommend full-coverage car insurance for most Virginia drivers to ensure that you have sufficient protection in the event of a serious accident.
Drivers who cannot purchase car insurance in Virginia on the open market due to credit problems, drunk driving convictions, or other factors can apply for coverage through the Virginia Auto Insurance Plan. Minimum liability insurance has the lowest amount of coverage you can buy, which also makes it the cheapest car insurance. Car insurance is a major purchase, but finding cheap car insurance in Virginia isn't always easy. Liability insurance covers the cost of any damage, injury, or death you cause in a car accident, up to the predefined limits of your policy.
Some Virginia insurance companies charge a little more for premiums from month to month, and payment processing fees may also apply. Learn more about when to cancel optional coverage and penalties for driving without insurance in Virginia to make sure you're paying for the coverage you need. The average cost of car insurance in Virginia is typically higher for drivers who have a low credit score or incidents in their driving history, such as a speeding ticket, accident, or DUI. Teen drivers in Virginia can expect their auto insurance quotes to increase 31% after just one at-fault accident.
The best high-risk auto insurance companies in Virginia are Geico, USAA and Erie because they offer the most competitive rates for high-risk drivers. While people in their 60s have cheaper car insurance rates than many other age groups on average, prices will start to increase as they age. The cheapest auto insurance companies in Virginia are USAA, Geico, and State Farm, and getting quotes from several companies can help you find the best deal.