It's important for Virginia drivers to know the minimum car insurance requirements to comply with the law. Experts recommend that drivers purchase full-coverage insurance with liability limits as high as they can afford to protect against unexpected events. Different areas represent more or less risk depending on factors such as crime rate, traffic, car thefts and population density. Insurance companies research the risks in each area and then use that knowledge to determine how much they can charge for premiums.
Similarly, if you get a speeding ticket in Virginia, you're likely to see an increase of up to 34% in what you pay for car insurance when you renew your policy. You'll generally pay more for three years. However, the increase in your rate also depends on state laws, your insurance company, and your driving history. But even with a traffic ticket, comparing prices can save you money.
Fortunately, there are ways that high-risk drivers can reduce the amount they must pay for premiums. Searching for prices and comparing quotes is a good starting point, as each company will have its own pricing structure specifically adapted to individual needs. Use the tool below to see which company offers the cheapest rates for drivers with speeding tickets, drunk driving convictions, and at-fault accidents. Select your state and risk factor below to view the insurance company and its average annual total coverage rates.
Virginia drivers can save hundreds of dollars by comparing prices and quotes. While there are many factors that influence the cost of your car insurance, from driving history to the type of car, there are many options to get the coverage you need at a price that fits your needs. Start your search for the best car insurance policy in Virginia by collecting quotes from several insurers for comparison. Below is a breakdown of auto insurance companies in Virginia and their average annual premiums.
Select your city below to see the insurance company and their average total coverage rates. Ultimately, understanding your needs to find the best policy at the most competitive price is key. Compare prices to find a good deal that gives you peace of mind when you hit the road in Virginia. Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication.
He is passionate about making insurance topics easy for people to understand and helping them make better financial decisions. When she's not writing, you can find her reading a book or watching anime. Virginia car insurance quotes vary greatly depending on a variety of factors, including the type of coverage you choose, coverage limits, your address, and personal factors. A conviction for drunk driving in Virginia generates higher insurance rates because insurers view you as a risky driver.
For some people, it's better to pay for car insurance on a monthly basis because it gives them more flexibility in their budget. Generally, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who don't. Virginia, like most states, allows insurers to use their credit rating to create a credit-based insurance rating. Since car insurance is a requirement in all 50 states, companies may wonder why you don't currently have coverage.
Although it is generally less expensive than a full coverage plan, liability insurance does not protect against an accident or theft of the insured vehicle. 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). For example, cars like Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. 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.
If you're new to the state and looking for car insurance coverage, or if you've lived in Virginia for years and want to know how much car insurance costs in Virginia, you can find the information you need here. SmartFinancial Insurance is a digital insurance comparison engine that offers real-time insurance rates and services in all 50 states through its relationships with airlines and partner agencies. .