Insurance companies can include in their policy premium the driving history of anyone of driving age who resides in the insured's home. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. If you get insufficient insurance coverage, you could be stuck shouldering the costs of your own injuries from a car accident. It may cost you more per year, but it offers more protection than a policy that only meets Virginia's minimum auto insurance requirements.
Under Virginia law, drivers must obtain the minimum required car insurance coverage or pay a fee for driving without insurance. Learn more about what's required, how you can save on your car insurance, and find easy ways to get an auto insurance quote in Virginia. Basic auto insurance generally refers to a policy with Virginia's minimum auto insurance requirements. Unlike most other states, Virginia doesn't strictly require drivers on its roads to have auto insurance.
Since you can drive your car uninsured in Virginia, auto insurance laws require that everyone who buys insurance have coverage for uninsured drivers. The types of car insurance that follow this rule are those for uninsured or underinsured motorists, comprehensive and collision coverage, and liability insurance. The only benefit is that it gives you the legal ability to drive on public roads in Virginia without being subject to fines or penalties for not having insurance coverage. The Virginia Insurance Office recommends that drivers review their individual circumstances and obtain additional insurance coverage to provide true protection.
Your age and driving experience contribute to the cost of your premium. If you're a new or inexperienced driver, your premium may be more expensive, as insurance companies may consider it riskier to insure you. Once you have a drunk driving conviction on your driving record, expect your car insurance premium to become much more expensive.