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Types of Coverage Offered
- indebtedness
- comprehensive examination
- collision
- personal injury auspices
- Uninsured & underinsured motorist
- checkup payments
- Loan/lease gap
- rental reimbursement
- Roadside aid
- New car substitution
- Accident forgiveness
- Ride Sharing
Discounts Available
- Multi-policy
- Multi-car
- Homeownership
- safe Driver
- continuous indemnity
- Hybrid/electric vehicle
- New car
- EFT, paid in full, and good payer
- early quote
- good student
- student aside at school
- Driver training
- Employee & penis affinity
- IntelliDrive
* Data provided by Bankrate.com. **J.D. Power ’ s 2021 U.S. Auto Insurance Stud y rat for the middle atlantic region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Virginia
Virginia has some of the cheapest cable car indemnity in the nation, partially because of its lack of natural disasters and inclement upwind. According to 2021 data from Bankrate.com, drivers in Virginia pay an average of $ 441 per year for the state ’ sulfur required minimum liability coverage and $ 1,304 per year for entire coverage. car insurance rates can vary depending on several factors. Drivers with clean drive records or beneficial credit scores can expect to pay lower premiums, while those with hapless drive records or credit rating will pay more. Age besides plays a character, as younger drivers tend to have a higher likelihood of driving infractions. ultimately, the insurance company you choose and the level of coverage you need are some of the biggest determine factors.
Top 3 Cheapest Car Insurance Companies in Virginia
| Company | Average Annual Full Coverage Premium* |
| Nationwide | $770 |
| USAA | $890 |
| Travelers | $910 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in Virginia
| Company | Average Annual Full Coverage Premium* |
| Electric | $3,308 |
| Kemper | $2,386 |
| Cincinnati | $1,584 |
* Data provided by Bankrate.com.
Top 3 Cheapest Cities for Car Insurance in Virginia
| City | Average Annual Full Coverage Premium* |
| Harrisonburg | $1,097 |
| Massanetta Springs | $1,100 |
| Woodstock | $1,103 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Cities for Car Insurance in Virginia
| City | Average Annual Full Coverage Premium* |
| Norfolk | $1,499 |
| Big Rock | $1,495 |
| Hurley | $1,495 |
* Data provided by Bankrate.com.
Car Insurance Add-Ons That May Further Protect You
- Gap insurance: Many insurance companies offer this type of coverage to cover the difference between your car’s actual cash value and the amount you owe on your auto loan.
- Uninsured & underinsured motorist: This optional coverage (though required in some states) protects you from financial losses if you’re in an accident where the at-fault driver doesn’t have insurance.
- Accident forgiveness: This optional coverage prevents your insurance premiums from increasing after an accident.
- Roadside assistance: Many insurance companies offer this type of coverage to provide services such as flat tire change, battery jump, lockout services, and towing.
Guide to Virginia Car Insurance
careless of where you live, it ’ randomness crucial to familiarize yourself with your country ’ mho policy laws. Like many states, Virginia has unique insurance laws that drivers need to know about .
Virginia Minimum Insurance Requirements
Like many states, Virginia requires that all drivers carry a minimal amount of liability insurance. Drivers must be able to provide proof of insurance at any time while in their vehicles. Driving without policy could result in penalties such as suspension of your license or registration. Minimum liability required in the state of Virginia is divided as follows:
- $25,000 for bodily injury/death of one person
- $50,000 for bodily injury/death of two more persons
- $20,000 for property damage in one accident
Virginia’s At-Fault Law
Virginia is an at-fault state for cable car indemnity. This means that whichever driver in an accident is at-fault for the clang is responsible for covering any damages. Financial responsibilities could include property damage, bodily injury, and lost wages.
Virginia Car Insurance FAQ
What is the minimum car insurance required in Virginia?
The state of Virginia requires all drivers to carry minimum bodily injury and property damage liability insurance .
What is the average auto insurance cost in Virginia?
According to 2021 data from Bankrate.com, the average annual premium for the state ’ randomness required minimum indebtedness is $ 441 while the average for full moon coverage is $ 1,304. Your rates will vary based on your individual fink profile .
What is the cheapest car insurance company in Virginia?
Based on our analysis of Bankrate ’ second data, Nationwide has the cheapest wide coverage in Virginia, with an average annual premium of $ 770. Because rates are personalized, your agio could be unlike. Getting quotes from several companies could help you find the lowest rates for your situation .
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car indemnity companies, our editorial team compared affordability, customer patronize, coverage options, customer gratification scores and on-line resources from each company to determine top providers. As for average price, we used Bankrate.com ’ s data of car policy in Virginia, based on the profiles of a 40-year male and female. For full coverage, the details used were the take after :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each country ’ sulfur requirements. Our base visibility drivers own a 2019 Toyota Camry, commute five days a workweek and driveway 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Read more: The 7 Best Car Insurance Companies (2022)
About the Authors
Erin Gobler Erin Gobler is an policy writer for Reviews.com. Over the past three years, she has covered personal finance topics such as indemnity, bank, mortgages, and more. Her make has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor ’ s degree in journalism from the University of Wisconsin-Oskosh. Erin ’ s darling Reviews.com article is the State Farm Renters Insurance Review .