How much does car insurance cost? Virginia drivers pay fairly low average rates for car insurance, especially compared to the national average. Full-coverage car insurance includes higher liability limits than a minimum coverage policy, as well as collision coverage and comprehensive coverage, which cover the repair of damage to your car. While car insurance with minimal coverage allows you to comply with state laws, it may not provide enough coverage. The most important factors affecting the average cost of car insurance in Virginia are your age and credit score.
Coverage for uninsured drivers will cover expenses for injuries or damage after an accident with a driver who doesn't have car insurance. Examining some of the most common questions about car insurance costs in Virginia will help you decide which option is best for you. 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. To find cheap car insurance for seniors, drivers in their 60s should be sure to compare prices to find the best rate.
Because rates vary from customer to customer, it's important to compare quotes from several companies when buying car insurance. If you have speeding convictions, at-fault accidents, or drunk driving convictions on your record, you're more likely to be considered a high-risk driver and pay higher rates for car insurance. The following rates are for drivers with a clean driving record and their own auto insurance policy (with the exception of rates for 16-year-olds). The table below shows car insurance rates in Virginia for five cities and compares each city's average total coverage premium with the state average.
Drivers who are unable to 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. Generally, the younger you are, the higher the cost of car insurance, as insurers believe that young drivers are more likely to be involved in accidents than older drivers.