No matter where you live in Virginia, Liberty Mutual rewards your responsible choices with Car Insurance Discounts that could help you save hundreds of dollars a year. As a proud member of the Virginia community, we offer exclusive savings to members of various college alumni groups, employers and associations across the state, including the Virginia Tech, University of Virginia, George Mason University and James Madison University alumni associations. Virginia Auto Insurance Information As with most states, in order to register and drive your car in Virginia, the state requires that you have a minimum level of certain types of auto insurance coverage. These include:. Most people opt for higher amounts of auto insurance coverage than the state minimum in order to protect themselves in case of an accident.Cheap Car Insurance In Virginia
Virginia also allows drivers to pay a fee in order to drive as an uninsured motorist. This option, called the Uninsured Motor Vehicle UMV fee, will allow you to legally drive without the state-mandated minimum auto insurance coverage for a total of 12 months.
If you need to be uninsured for a shorter period of time, this fee can also be prorated. The Commonwealth can electronically track your insured motorist coverage, thanks to help from auto insurance companies. If you do not carry a valid policy at all times while driving in the state, you are considered an uninsured driver. This is illegal. If you are pulled over or get in an accident and do not have minimum coverage, you will likely be ticketed for violating state law by driving uninsured.
What Does Auto Insurance Cost in Virginia . The quote we got for our car was a bit steeper than some of our other options, but not ridiculously.
The act of simply filing for either of these will likely hike your rates substantially. Most insurance companies will provide you with a hardcopy of your insurance card, or a PDF version that you can print at home. As mentioned, your individual policy can be very different from these average numbers. Depending on the vehicle s you drive, what your driving record looks like, your age and marital status, whether you own your home, and even where you live in the state can all play a role in premium costs.
Plus, you may or may not qualify for discounts through certain companies. We took the time to compare a few of the more popular companies in Virginia, though, to see how they measured up against one another. To level the playing field, our test subject was a single, 30 year-old male driving a Chevrolet Malibu.
Car insurance quotes virginia
He lives in Richmond and has a clean driving record. One very interesting thing about searching for auto quotes in Virginia is that your credit score will be taken into account.
His premiums did go up a bit based on the new location. Luckily, though, his Good credit score and clean driving record kept prices from jumping too far. Keep in mind that your own personal specs will play a large role in premiums, as will your location. In Virginia, these include:. Each has a unique profile and, as a result, receives different premium quotes.
Each of our four example profiles reside in ZIP codewhich is a mid-range area for auto insurance costs in the state. Keep in mind that areas closer to Washington, DC are likely to have higher premiums. Little Timmy is a stereotypical high-risk driver. He spends most of his time in the fast lane, and has two recent speeding tickets to show for it but no accidents. He drives across town to work each day, which averages out to about 15, miles a year, and rents his apartment.
John and Jane Smith are just average, 42 year-old parents. They take their kids to swim practice and ballet each week, which means they drive an average of around 16, miles a year. Both have Good credit scores, and Jane accidentally rear-ended someone a couple of years ago it was a very minor incident. Then we have Straight-Laced Sally, who is She owns a Toyota Camry and drives around 10, miles a year. Of course, her credit is also Excellent. Lastly, welcome Grandpa Joe. While none of them are likely to be a perfect fit, which of these examples do you most closely relate to, for insurance purposes?
Quotes provided by thezebra. There are a few state-specific rules in Virginia that will impact your premiums in either direction.
The Best Virginia Auto Insurance Companies
Drivers in Virginia can take advantage of a number of discounts from their auto insurance company. These include:.
Find the best auto insurance in Virginia: Compare car insurance companies for free to get the cheapest insurance quotes and coverage. Virginia Car Insurance Quote Comparison. Compare Virginia car insurance rates from multiple insurance companies in just minutes. Get an auto insurance. Looking for a Virginia car insurance quote? Learn about auto coverage in the Old Dominion State and get a quote today.
The company you ultimately choose will determine whether these discounts are available to you, but the majority of companies in Virginia will offer most, if not all, of them. In many states, insurance providers will take into account your credit history when determining your insurability.
If you are insured in Virginia, expect to be quoted based on your creditworthiness. For drivers in the Commonwealth, credit history will play a notable factor in determining both approval and premium costs. Living in a rural part of the state will likely mean much lower premiums than if you lived in the heart of Northern Virginia. This program was designed for high-risk drivers who may find it difficult to get approved for coverage on the voluntary market.
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Get a quick, free quote for Virginia car insurance, and while you're at it, learn about state-required coverages and myriad money-saving discounts. Here are our top five picks for the best car insurance in Virginia. . One very interesting thing about searching for auto quotes in Virginia is that. Looking for dependable Virginia auto insurance? Before you get a quote, make sure to visit our Virginia Auto Coverage page to learn your state's minimum.
But, before buying your favorite team, university or special interest vanity plate, you first need auto insurance in Virginia. According to the Virginia Department of Transportation VDOT the state requires car insurance on every vehicle registered by you, even if the vehicle is not working or being used.
When traveling in the state of Virginia, the use of a radar detector is strictly illegal. Virginia state law also allows police officers to fine you for its use and confiscate the device, even if the radar detector is turned off or non-functional.
It is illegal to drive a car in Virginia without at least the minimum amount of liability coverage required by law: You should keep your VA car insurance card in your car at all times.
You may need it if you are stopped by a police officer. Is your teen ready to get behind the wheel? Aside from being fully insured, there are restrictions you and your teen need to know about while driving in Virginia. Drivers may get a learner's permit when they reach 15 years and 6 months of age, and must be accompanied by a guardian or close relative who is 21 years of age or older, has a valid driver's license, and is seated in the front passenger seat.
Drivers between age 16 years, 3 months and age 18 who have held a permit for nine months are allowed to drive without a licensed driver beside them. Drivers age 19 or older who have never held a driver's license in any state must hold a learner's permit for at least 30 days or show completion of a state-approved driver education program.
You could save up to 15% on Virginia car insurance with a free quote from GEICO! Learn about Auto Insurance Coverage In VA—What You Need To Know. Want affordable car insurance in Virginia? Compare rates from over 30 Virginia car insurance companies at The Zebra Compare quotes now!. Cheap Auto Insurance Rates in Virginia; Cheapest Auto Insurance in Furthermore, these insurers' car insurance quotes were over $1, less per year than.
Any driver under age 18 who has been licensed for less than one year may carry only one passenger under age Passenger restrictions do not apply to family members. Any driver under age 18 is restricted from using any cellular telephone or any other wireless telecommunications device while driving, regardless of whether such device is or is not hand-held, except for a driver emergency or when the vehicle is lawfully parked or stopped.
All drivers are prohibited from texting while driving. Any information that you directly provide is subject to the privacy posted on their website.
Call or log in to your current HomeownersRentersor Condo policy to review your policy and contact a customer service agent to discuss your jewelry insurance options. Virginia Defensive Driver Information. Please try again.
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