The Best Cheap Car Insurance in Virginia for 2022 | https://insurecar.info

Finding the right cable car indemnity can be a challenge, and with so many different companies to choose from, you might be wondering which policy agency can offer the best at the cheapest rates. While the summons can seem daunting at first, making the right choice becomes a lot easier once you ’ ve done your research. That ’ south why we ’ ve created a comprehensive examination guide on the cheapest car insurance options available to Virginia drivers in 2022 .

Virginia Car Insurance Requirements

Richmond, VA skyline where you can get cheap car insurance in virginia
Virginia is unique in that they don ’ thyroxine command vehicle owners to ensure their car by law. however, those who decide to forgo indemnity will need to pay a $ 500 uninsured motorist fee. In addition, not having policy and getting into an accident that results in a course 3 misdemeanor could result in your license being revoked, fomite registration taken away, and your license plates confiscated .
With that in take care, it ’ s normally a effective estimate to carry the minimum coverage. Those who decide to insure their vehicle will need to get the minimum ask insurance coverage in Virginia. This includes bodily injury indebtedness coverage, property damage liability coverage, uninsured/underinsured motorist bodily wound coverage, and uninsured/underinsured motorist property damage coverage.

Bodily Injury Liability Coverage

  • $ 30,000 for one person
  • $ 60,000 for full damages

Property Damage Liability Coverage

  • $ 20,000 per accident

Uninsured/Underinsured Motorist Bodily Injury Coverage

  • $ 30,000 for one person
  • $ 60,000 for full damages

Uninsured/Underinsured Motorist Property Damage Coverage

  • $ 20,000 per accident

Drivers can purchase more than the minimum, and this is normally recommended considering how expensive damages can be if you ’ re involved in a cable car accident or there ’ mho a lifelike calamity. now that we ’ ve gone over the basic requirements, we ’ d like to take the opportunity to go over what can happen if you ’ rhenium catch driving without insurance .

Virginia Car Insurance Penalties

Driving without car insurance can be a major problem if you ’ re caught by the authorities. Every driver is required to have a certain sum of minimum coverage if they plan on driving a motor vehicle in the great state of matter of Virginia. If you fail to meet the minimal requirements for Virginia, it may result in the stick to penalties and fines :

  • A $ 500 fee in addition to the cost of license and registration reinstatement
  • suspension of your driver ’ mho license, registration, and license plates
  • A three-year necessity to file an SR-22 annual to maintain your license, once it ’ s been reinstated

Cheapest Car Insurance for Teen Drivers 

Insuring adolescent drivers can be expensive because they lack feel, but there are companies out there that crack more low-cost rates than others. If you ’ rhenium looking for an indemnity policy to cover your young driver in high school, then look no further than these great policy providers .
here ’ s a list of the most low-cost companies in Virginia for adolescent drivers .

Insurance Company Monthly Premium
MetroMile $ 147
elephant $ 172
Gainsco $ 180
SafeAuto $ 269

Metromile offers the most low-cost rates at $ 147/mo. You then see an about $ 30 increase to $ 172/mo with elephant indemnity. Rates then slow a flimsy increase to $ 180/mo with Gainsco before you see them jump significantly to $ 269/mo with SafeAuto .

Cheapest Car Insurance for Young Drivers

Drivers aged 18-24 inactive pay higher than average rates for car insurance, but thankfully, not arsenic a lot as they did in their younger adolescent years. There are hush some great low-cost options for Virginia residents.Here ’ s the breakdown of the insurance companies with the cheapest rates for newfangled drivers in the state .

Insurance Company Monthly Premium
AssuranceAmerica $116
Clearcover $120
MetroMile $130
DirectGeneral $141
Gainsco $147
Elephant $148
Liberty Mutual $151
Nationwide $163
Kemper $200
SafeAuto $216

AssuranceAmerica offers the most low-cost car policy rates at $ 116/mo, followed by Clearcover ( $ 120/mo ) and MetroMile ( $ 130/mo ). Rates are then similar for DirectGeneral ( $ 141/mo ), Gainsco ( $ 147/mo ), Elephant ( $ 148/mo ) and Liberty Mutual ( $ 151/mo ) .

Cheapest Car Insurance for Retirees 

once you hit your retirement years at 65+, you get to enjoy more clock time to yourself and if you spend that clock behind the road you want to be certain to keep your car indemnity premiums low. hera are the two cheapest options for retirees in Georgia .

Insurance Company Monthly Premium
MetroMile $ 55
Liberty Mutual $ 78

MetroMile and Liberty Mutual offer the most low-cost rates at $ 55/mo and $ 78/mo respectively .

Cheapest Car Insurance for Married Drivers in Virginia

Being married comes with its advantages, one is more low-cost car insurance. Whether it ’ mho because marry drivers are more likely to have multiple cars on their policy or tend to practice safe driving habits, the ring comes with more benefits than you might imagine .
Check out the clear 5 cheapest companies available to marry drivers in Virginia .

Insurance Company Monthly Premium
MetroMile $ 58
AssuranceAmerica $ 65
Gainsco $ 75
Liberty Mutual $ 84
SafeAuto $ 104

The most low-cost rates for married drivers range between $ 58- $ 104/mo. MetroMile averages $ 58/mo, followed by AssuranceAmerica ( $ 65/mo ), Gainsco ( $ 75/mo ), Liberty Mutual ( $ 84/mo ) and SafeAuto rounds out the number at $ 104/mo .

Cheapest Car Insurance for Single Drivers in Virginia

evening if you aren ’ thyroxine married, you can distillery find a big rate on your car policy. Take a look at this number of low-cost indemnity options for unmarried drivers in Virginia .

Insurance Company Monthly Premium
mercury $ 57
AssuranceAmerica $ 71
MetroMile $ 75
Clearcover $ 85
Liberty Mutual $ 91
DirectGeneral $ 94
Safeco $ 98
Gainsco $ 101
Travelers $ 103
Dairyland $ 113

Mercury stands apart from the bunch with the cheapest average car insurance pace at $ 57/mo. Premiums are then exchangeable for AssuranceAmerica ( $ 71/mo ), MetroMile ( $ 75/mo ) and Clearcover ( $ 85/mo ). adjacent, you see rates increase a spot more, ending up at $ 100+/mo with Gainsco ( $ 101/mo ), Travelers ( $ 103/mo ) and Dairyland ( $ 113/mo ) .

Cheapest Car Insurance for Virginia Drivers with Spotty Records

Man involved in a car accident who needs cheap car insurance in virginia

Is your drive read more patched than immaculate ? No worries. Having a history of accidents and driving tickets can lead to dearly-won policy, but there are insurance companies that offer low-cost premiums careless of your history .
here ’ s a good list of some brassy policy companies that can offer you the comprehensive coverage you need .

5 Cheapest Companies for Drivers with 1 Ticket

Insurance Company Monthly Premium
MetroMile $ 77
mercury $ 80
AssuranceAmerica $ 92
Clearcover $ 95
DirectGeneral $ 101

MetroMile offers average rates of $ 77/mo for drivers with one tag in Virginia and Mercury offers a alike rate of $ 80/mo. The final 3 companies on the list offer similar rates of $ 92/mo at AssuranceAmerica, $ 95/mo at Clearcover and $ 101/mo at DirectGeneral .

5 Cheapest Companies for Drivers with Multiple Tickets 

Insurance Company Monthly Premium
DirectGeneral $ 111
Gainsco $ 112

Kemper $ 130
Liberty Mutual $ 141
Dairyland $ 145

The deviation between the cheapest car policy rate for drivers with one ticket vs. multiple tickets is over $ 30. DirectGeneral offers an average monthly rate of $ 111/mo, followed by Gainsco at $ 112/mo .

Cheap Car Insurance for Drivers with an Accident on their Record

much like having a pair of tickets on your record, you are getting into an accident can besides negatively affect your policy rates. But there are hush great companies out there that can ensure your vehicle at an low-cost price. here are the circus tent 5 cheapest companies for those who have had one or more accidents on their record .

5 Cheapest Companies for Drivers with 1 Accident

Insurance Company Monthly Premium
MetroMile $ 86
AssuranceAmerica $ 94
Liberty Mutual $ 110
DirectGeneral $ 113
Gainsco $ 114

MetroMile offers the most low-cost average car insurance rates at $ 86/mo. Assurance America offers exchangeable rates at $ 94/mo, followed by Liberty Mutual ( $ 110/mo ), DirectGeneral ( $ 113/mo ) and Gainsco ( $ 114/mo ) .

5 Cheapest Companies for Drivers with Multiple Accidents

Insurance Company Monthly Premium
DirectGeneral $132
Gainsco $148
Liberty Mutual $169
Elephant $195

If you have multiple accidents on your record rates will surely be more expensive. The most low-cost option is $ 132/mo with Direct General. They ’ re followed by Gainsco at $ 148/mo, Liberty Mutual at $ 169/mo and Elephant at $ 195/mo .

Cheapest Insurance Companies for Men vs. Women

While car policy rates are broadly the lapp for both genders, men are more probable to pay slightly higher rates than women because they are statistically more likely to engage in dangerous driving behaviors that require an indemnity claim .
here ’ s a breakdown of the cheapest rates available to both men and women drivers in Virginia .

5 Cheapest Companies for Men in VA

Insurance Company Monthly Premium
mercury $ 57
AssuranceAmerica $ 70
MetroMile $ 74
Clearcover $ 81
Liberty Mutual $ 93

The cheapest indemnity options for women range between $ 57- $ 93/mo with Mercury and Liberty Mutual respectively. other options include AssuranceAmerica ( $ 70/mo ), MetroMile ( $ 74/mo ) and Clearcover ( $ 81/mo ) .

5 Cheapest Companies for Women in VA

Insurance Company Monthly Premium
mercury $ 57
AssuranceAmerica $ 71
MetroMile $ 72
Clearcover $ 83
Liberty Mutual $ 88

The most low-cost policy option for women starts at the same rate as men of $ 57/mo and goes to $ 88/mo with Mercury and Liberty Mutual respectively. other options to consider include AssuranceAmerica ( $ 71/mo ), MetroMile ( $ 72/mo ) and Clearcover ( $ 83/mo ) .

Cheapest Virginia State Minimum Coverage

Man getting cheap car insurance in virginia with discounts
While having cable car insurance in Virginia international relations and security network ’ triiodothyronine mandated by law, you hush need to pay an uninsured motorist fee to the state of matter of $ 500 if you decide to go without. We recommend avoiding this by getting a policy that has at least the minimum coverage. here are the cheapest state minimal coverage options .

Insurance Company Monthly Premium
MetroMile $ 53
mercury $ 55
AssuranceAmerica $ 59
Liberty Mutual $ 62
Clearcover $ 63
DirectGeneral $ 74
Gainsco $ 76
Dairyland $ 80
elephant $ 82
Kemper $ 84

$ 53 is the most low-cost monthly premium with MetroMile. The pillow of the options on the tilt extend relatively similar policy rates with Kemper rounding out the list at $ 84/mo .

Cheapest Full Coverage Car Insurance in Virginia

surely, having minimum indebtedness coverage is better than no policy at all—increasing your limits is even better. Accidents can be expensive, and sometimes the minimum coverage international relations and security network ’ t adequate to pay for the price of damages that occur during a bad accident. The last thing you want is to drain your report paying for these costs out of pocket .
here ’ s a list of the most low-cost full coverage car insurance options in Virginia .

Insurance Company Monthly Premium
MetroMile $100
DirectGeneral $114
Nationwide $121
Elephant $145
Liberty Mutual $147
SafeAuto $153
Kemper $160
Gainsco $165

MetroMile once again offers the most low-cost car indemnity at $ 100/mo. mastermind General and Nationwide offer exchangeable rates at $ 114/mo and $ 121/mo. then you see a larger rate leap to $ 145/mo and $ 147/mo with Elephant and Liberty Mutual. ultimately, SafeAuto ( $ 153/mo ), Kemper ( $ 160/mo ) and Gainsco ( $ 165/mo ) beat out our number .

Compare Car Insurance Rates by Virginia Cities

nowadays let ’ s take this opportunity to compare car insurance rates by city .
While this number is by no means exhaustive, it does cover most of the major towns and cities in Virginia and can give you a good theme of the cheapest companies available in your vicinity. Read on to find out if your city is listed !
As you can see, Charlottesville has the cheapest car indemnity in Virginia, while areas in Northern Virginia like Woodbridge and Dumfries have the highest premiums .
Click on the mention of each city in the table above to find detail breakdowns of all the factors that go into calculating your monthly premium .
hera, you ’ ll find all the information you need on how things like driving record, long time, sex, vehicle produce and model, and more will affect how much you pay for car insurance in each vicinity .

Virginia Vehicle Registration Fees and Other Costs

Buying a new or secondhand cable car requires you to spend more money than the dagger monetary value. If you ’ rhenium buy a new vehicle, you need to be prepared to pay registration fees along with other costs. Let ’ s take a look at some of the extra budget considerations you need to make .
You ’ ll besides be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck, or SUV, deoxyadenosine monophosphate well as buying a raw car policy policy for your car .
Some buyers will find themselves responsible for extra fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric fomite fees, lien recording fees, and a murder of other costs .
If you ’ rhenium concerned in learning more about the costs associated with car ownership, check out Compare.com ’ s comprehensive vehicle costs breakdown to make certain you account for all the add fees you might be on the hook for when buying a car in Virginia .

Highest Rated Car Insurance Companies in Virginia

hopefully, you have a better mind of what some of the most normally asked questions are when it comes to insuring your vehicle in Virginia. now that we ’ ve gone over that deoxyadenosine monophosphate well as the cheapest insurance companies available to Virginia drivers, we can now take a look at the highest-rated companies based on affordability, customer satisfaction, and policy options, ampere well as the party ’ mho fiscal military capability .
We use data from Reviews.com to give a dislocation of some of the best-rated policy options that take into report the J.D. Power overall customer satisfaction ratings, vitamin a well the Am Best fiscal persuasiveness rat while besides factoring in the average premium price for each company policy .

Erie

According to Reviews.com, Erie Insurance comes in with a seduce of 3.8 out of 5. Where this company shines is in its customer satisfaction rates. They besides scored well in regards to their affordability and a wide variety of broad standard coverage options. Their entirely drawback is they don ’ t have many digital tools for their customers to use, which is frustrating if you ’ re the type of person who wants to have access to your policy information through an app or need to communicate with your agent on-line .

Progressive

Coming in at a 4.2 out of 5, Progressive is another bang-up car indemnity company. Known for the across-the-board diverseness of on-line tools and multiple discounts they offer to their customers, this party is a great choice for those looking for a authentic policy company with potent engineering. With multi-car and multi-policy discounts available to their customers, you can ’ metric ton go wrong with Progressive. They besides offer safe driver discounts, which can save you money based on your driving behavior .

Travelers

The final party rounding out the best-rated car insurance providers in Virginia is Travelers. Travelers shines in the affordability class and offers its customers the most discounts out of the early providers listed above. They besides have a wide variety show of coverage plans to fit your needs .
Their lone helplessness is many customers have reported bad claims experiences and overall below-average customer gratification. While this can be frustrating, they make up for it with their low-cost rates and numerous discount options. Travelers presently offer these types of discounts : safe driver, new car refilling, multi-car, multi-policy, continuous indemnity discounts, and much more .

Virginia Auto Insurance FAQs

immediately that we ’ ve broken down the extra costs you have to budget for when buying a new or use car, let ’ s take a spirit at some of the most frequently asked cable car policy questions that seem to come up more often than not .
By going over these questions, you ’ ll have a better estimate of what you need to find an insurance policy that works for you .
What car insurance is required in Virginia?
surprisingly it ’ s not required to have car insurance by police in Virginia. however, not getting insurance does come with its downsides. not only do you risk having to pay out of pocket for any accidents that might happen in the future, but you will besides need to pay a $ 500 uninsured motorist fee to the state .
How much is car insurance in Virginia? 
The median cost of car indemnity in Virginia is $ 99 per month, which ranks as one of the most low-cost states to insure your vehicle..
What happens if you drive without car insurance in Virginia?
If you drive in Virginia without paying the $ 500 uninsured motorist tip, you might be charged with a class 3 misdemeanor, in which case you can besides lose your driver ’ sulfur license, vehicle registration, and license plates. With that being said, driving without insurance is just excessively big of a risk to take. Don ’ t make this critical error and choose one of the reputable and low-cost policy ship’s company options we provide in this lead .
Does Virginia require full coverage car insurance?
No, but all policy policies need to have the minimal level of coverage we described earlier, consisting of bodily wound coverage, property damage coverage, and uninsured motorist bodily injury coverage .
While Virginia ’ s minimum requirements are by and large the same compared to other states, Virginia is alone in that they actually allow drivers to drive uninsured for a $ 500 fee. This is not recommended. even going with the bare minimum can be hazardous as accidents can much surpass those limits depending on the severity of the incident. Overall, if you can raise your indebtedness limits, it is advised that you do so .
Can You Get Car Insurance Without a License in Virginia
If you own a fomite but can nobelium longer drive or hold a valid driver ’ s license and need to have your car insured—then there are options for you to get your car insured without a license. however, this will require that you exclude yourself from the policy and list your person else ’ second license number on the policy.

Those who own a car but no long have a valid license number won ’ triiodothyronine be able to finalize their policy unless they list the person who will be driving the cable car as the chief driver. We recommend talking to your indemnity agent to see if they can accommodate this request. In most cases, agents are extremely professional and should be able to ensure your vehicle if the circumstances require it .
Methodology
All data referenced in this article comes from a combination of proprietorship data — which is aggregated from millions of real customer quotes through Compare.com — and extra data gathered in collaboration with Quadrant .

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