Let Us Help You Fall in Love with Virginia Car Insurance!
Best Car Insurance Virginia
Home to many Presidential residences…if you’re looking for insurance in Virginia….and you want presidential insurance but not one the size of the national debt…you’ve come to the right place! At A Plus we will work together on your Virginia Insurance to veto high rates and elect a premium that is perfect for your needs!
Everything You Need to Know
- What Insurance does Virginia Require You to Have?
- State Minimum Requirements
- Let's Learn Some Insurance Terms
- How Much Coverage Do You Need?
- Average Monthly Rates for Liability Only or Full Coverage
- See What Your Rates Could Look Like Now!
- Cheapest Car Insurance For Female Drivers: Insurance Virginia
- Cheapest Auto Insurance With DUIs, Accidents, and Violations in Virginia
- Best SR-22 Insurance In Virginia
- Least Expensive Insurance For Young Drivers in Richmond, VA
- Cheapest Insurance With Bad or Poor Credit In Virginia
- Insurance Virginia Cheapest Car Insurance With a Homeowners Bundle/Discount
- Insurance Virginia Cheapest Car Insurance For Male Drivers
- Additional Helpful Links
- INSURANCE SERVICES WE OFFER
- FAQs About Virginia Car Insurance
- Edit Article Information
What Insurance does Virginia Require You to Have?
In Virginia, securing adequate auto insurance coverage is not just a smart decision; it’s the law. As a responsible driver in the state, you must ensure you have the minimum required coverage to legally operate your vehicle on Virginia roads. Virginia law mandates that drivers carry liability insurance, which covers bodily injury and property damage that you may cause to others in an accident. The minimum liability coverage limits in Virginia are $30,000 for bodily injury or death per person, $60,000 for bodily injury or death per accident, and $20,000 for property damage per accident. Additionally, Virginia requires uninsured motorist coverage to protect you in case you’re involved in an accident with a driver who doesn’t have insurance. This coverage helps pay for your medical expenses and property damage if you’re hit by an uninsured or underinsured driver. Understanding and complying with Virginia’s insurance requirements not only keep you legal on the road but also provide essential protection in case of unforeseen accidents.
Virginia Car Insurance:
State Minimum Requirements
$30,000 in bodily injury per person, 60,000 in total bodily injury per accident, 20,000 in property damage per accident.
Every now and again however a states laws shift that require rate increases across the board. This is the case for the beautiful state of Virginia the birth place of our nation.
In January of 2021, Virginia passed the Senate Bill 1182.
This increases the minimum liability limits required by the state from: $25,000 in bodily injury per person, $50,000 in total bodily injury per accident, $20,000 in property damage per accident
TO
$30,000 in bodily injury per person, $60,000 in total bodily injury per accident, $20,000 in property damage per accident.
Rates WILL increase with your Virginia Insurance. You may be here because you have been affected as of January 1, 2022. The good news is that you are in the right place! Here at A Plus Insurance we cal work together to find a rate at the State Minimum that will keep you covered.
Insurance adds peace of mind, and we want the search for insurance to be as peaceful as possible. In 15 minutes you can have a FREE QUOTE with one of our friendly agents!
Before You Dig In…
Let’s Learn Some Insurance Terms
Do you fully understand what liability covers? What about all the other optional coverages like comprehensive, collision, or medical payments? Do you really know what full coverage includes? Brush up on your terminology…understanding these words helps you make better choices when purchasing Virginia car insurance.
Virginia Car Insurance
How Much Coverage Do You Need?
Now that you know what the state minimum requirements are for car insurance in Virginia and other available options; how do you determine which is best for you?
Full coverage is a great option for those who can’t afford to repair or replace their vehicle from things like hail damage, a cracked windshield, or an at-fault accident. Full coverage is NOT required by the state, however it can be required by financial institutions and lienholders.
An additional coverage that is not included in full coverage, but can save you a lot time and frustration is roadside assistance.
If you never want to end up stranded on the side of the road it’s a must have. Whether you run out of gas, need help changing a tire, or your car breaks down and you need a tow. Roadside is meant to save you time and more importantly money. If you have ever run out of gas before, you probably understand why it’s a great add on.
Liability is great for older vehicles, vehicles that you don’t drive often, or if you just need cheaper insurance!
Average Monthly Rates for
Liability Only or Full Coverage
| Liability Only | Insurance Company | Full Coverage |
|---|---|---|
| $83 | Dairyland | $75 |
| $86 | Progressive | $152 |
| $120 | Travelers | $164 |
| $120 | Bristol West | $152 |
| $113 | The General | $162 |
| $105 | Mendota | $152 |
Do you know why Virginia is for Lovers?
It originally started in 1968 when an advertising agency won a contract for Virginia State Travel Agency. While brainstorming they came up with a series of ads. History ads, “Virginia is for History Lovers”; beach ads, “Virginia is for Beach Lovers”; nature ads, “Virginia is for Nature Lovers.” However they found that they we’re to limiting and chose to go with the current slogan, “Virginia is for Lovers” which was adopted officially in 1969.
Let one of our skilled agents help find the coverage you need at a price that doesn’t break the bank! They’re so great, they’ll make you love insurance!
Auto Insurance Virginia
Liability Only Vs. Full Coverage:
See What Your Rates Could Look Like Now!
Cheapest Car Insurance For Female Drivers: Insurance Virginia
In Virginia it is Illegal to tickle woman, shouldn’t that be a law around the nation?
Interesting, around the nation Men pay more for their insurance than females because statistically they are a higher risk. Tell that to the hubby!
NOTE IN THE CHART: The rate gap for insurance by gender is almost tied in Virginia typically. Age plays a bigger factor.
Insurance Virginia: Average Monthly Rates For Female Drivers
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Acceptance RTR | $135 |
| Mendota | $136 |
| Dairyland | $140 |
| Assurance America | $141 |
| The General | $143 |
Cheapest Auto Insurance With DUIs, Accidents, and Violations in Virginia
Under Virginia Code 18.2-266 an individual convicted of a DUI is required to prove financial responsiblity before their driving privileges are returned with a FR-44.
This shakes out to higher insurance rates because an individual with serious moving violations is considered by most insurance carriers as high risk. At A Plus Insurance we can work together to find a rate that won’t leave you stranded on the Appalachian Trail.
NOTE IN CHART: The code requires you to carry FR-44 for 3 years after your license revocation is over
What is the new state minimum liability limits in Virginia?
Insurance Virginia: Average Monthly Rates With Violations on Your Record
| Car Insurance Company | Average Monthly Payment |
|---|---|
| 21st Century | $154 |
| GEICO | $155 |
| Dairyland | $161 |
| Assurance America | $166 |
| Bristol West | $170 |
Best SR-22 Insurance In Virginia
In Virginia if you’ve been convicted of a serious moving violation you will need a SR-22 or a FR-44.
What’s the difference between SR22 and FR44 insurance? Virginia is one of two states with two types of license reinstatement certificate. An SR22 insurance certificate is for non-alcohol related motor vehicle violations. The FR44 insurance certificate is for DUI or DWI violations.
When you’re eligible for reinstatement, you’ll contact an insurance provider to buy an SR22 or FR44 certificate. If the vehicle is owned by you, the certificate is attached to your auto insurance policy. In the case that you do not own the vehicle being operated, the certificate is attached to a non-owner SR22 or FR44 insurance policy.
Virginia Insurance with these certificates do not have to break the bank, shopping around is Key.
CHART NOTE: Both FR-44 AND SR-22 ARE REQUIRED FOR 3 YEARS
Average Monthly Rates With SR-22 Insurance Virginia
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Progressive | $102 |
| Bristol West | $103 |
| Acceptance RTR | $105 |
| National General | $108 |
| The General | $108 |
WHY DO INSURANCE RATES CHANGE?
There are many reasons why an insurance rate could increase or decrease:
1. Perhaps you require a policy change by adding a car or driver,
2. Or maybe a moving vehicle violation causes a spike in your premium,
3. A move to a different city,
4. Or you age up past 25
.. just to name a few.
Least Expensive Insurance For Young Drivers in Richmond, VA
Dirty Dancing was a tale about two young kids being young and wild and free! Their insurance probably was not free in the slightest.
It is a fact the adults under the age of 25 tend to pay higher rates, even still their are affordable options for your Virginia Insurance.
NOTE IN CHART: after crossing 25 with a great record, most insurance rates will automatically decrease upon renewal.
Insurance Virginia Average Monthly Rates For Young Drivers
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Progressive | $136 |
| National General | $139 |
| American Family | $154 |
| Liberty Mutual | $155 |
| Dairyland | $157 |
Cheapest Insurance With Bad or Poor Credit In Virginia
Did you know it is illegal to flip a coin to decide who pays for coffee in Richmond? Don’t flip a coin when it comes to your insurance rates.
This is a gamble that doesn’t pay off, bet on us here at A Plus! Even though your credit score does impact the premium you will pay for Insurance in Virginia it is possible make make heads or tails of the situation.
NOTE IN CHART: improving credit over time will improve your rates
Insurance Virginia Average Monthly Rates For People With Bad or Poor Credit
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Dairyland | $146 |
| Bristol West | $154 |
| Mendota | $162 |
| 21st Century | $168 |
| Assurance America | $169 |
Insurance Virginia Cheapest Car Insurance With a Homeowners Bundle/Discount
The State bird of Virginia is the Cardinal. And a cardinal rule in insurance to score a better rate are discounts!
Bundle your Auto and Home to save big with your Virginia Insurance!
Insurance Virginia Average Monthly Rates For People a Homeowners Bundle
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Dairyland | $128 |
| 21st Century | $129 |
| GEICO | $130 |
| Progressive | $134 |
| The General | $137 |
Insurance Virginia Cheapest Car Insurance For Male Drivers
The way to a man’s heart is through the belly, and a Brunswick Stew will do just the trick. However traditionally insurance rates if you’re a male driver aren’t warming your belly.
Interestingly in Virginia the numbers are so close it’s hard to give any gender the advantage. In either case the key is simply, let us shop for you!
Insurance Virginia Average Monthly Rates For Male Drivers
| Car Insurance Company | Average Monthly Payment |
|---|---|
| Acceptance RTR | $157 |
| Bristol West | $160 |
| GEICO | $164 |
| Nationwide | $164 |
| Assurance America | $165 |
Additional Helpful Links
| SR22 Insurance Virginia |
| Liability Only Insurance Virginia |
| Homeowners Insurance Virginia |
| Motorcycle Insurance Virginia |
| Virginia DMV |
| Virginia Insurance Laws |
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
FAQs About Virginia Car Insurance
What are the minimum car insurance requirements in Virginia?
In Virginia, the minimum car insurance requirements include $25,000 for bodily injury or death per person, $50,000 for bodily injury or death per accident, and $20,000 for property damage per accident. These coverage limits are often referred to as 25/50/20.
Is uninsured/underinsured motorist coverage required in Virginia?
Uninsured/underinsured motorist coverage (UM/UIM) is not mandatory in Virginia, but it’s highly recommended. It provides protection in case you’re involved in an accident with a driver who doesn’t have insurance or enough insurance to cover your expenses.
How can I find affordable car insurance rates in Virginia?
To find affordable car insurance rates in Virginia, consider shopping around, bundling policies, maintaining a good driving record, taking advantage of discounts, and adjusting your coverage levels. Your insurance agent can help you explore these options.
Edit Article Information
Here you can edit the information about South Insurance in Virginia.
- Explore insurance options in Virginia with South Insurance.
- Learn about coverage, rates, and discounts available.
- For inquiries or quotes, call us at 1.888.445.2793.
Last Updated on by Alexis Karapiperis