Insurance Virginia

Insurance Virginia
Let Us Help You Fall in Love with Virginia Car Insurance!

Best Auto Insurance Virginia:
Finding the Right Coverage for You & Your Wallet!

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!

Virginia Car Insurance:

State Minimum Requirements

$30,000 in bodily injury per person, 60,000 in total bodily injury per accident, 40,000 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.

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, 40,000 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, we want the search for insurance to be as peaceful. In 15 minutes you can have a FREE QUOTE with one of our friendly Agent

Before You Dig In…

Let’s Learn Some Insurance Terms

A Plus Glossary 2

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.

Understanding Insurance Coverages


Understanding and knowing what different coverages are available is important. There a lot more options then just Liability or Full Coverage.

If you have any questions at all, don’t hesitate to call or chat with one of our licensed agents!

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• Liability coverage that pays for bodily injury and property damage when you’re at fault in an accident. It does not cover you or your vehicle. An easy way to put is imagine you and your car have a bubble around it. Liability coverage covers everything that’s outside the bubble if you are at fault in an accident.


[Liability is required in 49 states and the District of Columbia. The only state that does not require liability insurance is New Hampshire.]

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• Comprehensive coverage helps cover cost of damages to your vehicle from accidents that are not collision related. A great example is theft and vandalism or hail damage.


• Comprehensive carries a deductible. In most cases you get to select the deductible. The higher the deductible you choose – the cheaper your insurance will be. So if you choose a $1,000 deductible and your car gets damaged by hail; you will have to pay $1,000. Then insurance will pick up the remaining cost.

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• Collision coverage helps pay for damages to your vehicle from an accident, regardless of who is at fault. A good example would be if you back into a concrete pole in a parking lot. Collision insurance will help you pay for that damage.


• Just like comprehensive insurance – collision insurance typically carries a deductible. So before insurance will pay for the damage associated with you backing into the pole, you’d have to pay your deductible.

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• Uninsurder/underinsured coverages cover you if you and your passengers are in an accident with someone who doesn’t have any insurance or doesn’t have enough insurance.

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• Medical payments is another additional coverage that helps cover the cost of you or your passengers medical expenses regardless of who was at fault for the accident.

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• Rental reimbursement is an added coverage to help cover the cost of a rental while your vehicle is being repaired after a covered claim was made to the insurance company. Insurance companies give you a certain dollar amount per day towards a rental.


• Roadside assistance is another added coverage to cover the cost of when you: need a tow, run out gas, lock yourself out of your car, need a jumpstart, or need help putting the spare tire on after a flat.

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• Liability + Comprehensive + Collision is all that makes up a Full Coverage policy. Most people assume that rental and roadside are a part of full coverage but it’s an additional add on.

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 OnlyInsurance CompanyFull Coverage
$83Dairyland$75
$86Progressive$152
$120Travelers$164
$120Bristol West$152
$113The General$162
$105Mendota$152

Insurance Virginia Auto Insurance

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 in 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 CompanyAverage Monthly Payment
Acceptance RTR$135
Mendota$136
Dairyland$140
Assurance America$141
The General$143

New A Plus Insurance Customers in Virginia Save on Average $603...that's almost 853 pounds of potatoes

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 CompanyAverage 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

Insurance Virginia

Average Monthly Rates With An SR-22

Car Insurance CompanyAverage Monthly Payment
Progressive $102
Bristol West$103
Acceptance RTR$105
National General$108
The General$108
Insurance Virginia

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 CompanyAverage Monthly Payment
Progressive $136
National General$139
American Family$154
Liberty Mutual$155
Dairyland$157
Auto Insurance Virginia

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 CompanyAverage Monthly Payment
Dairyland$146
Bristol West$154
Mendota$162
21st Century$168
Assurance America$169
Auto Insurance Virginia

Cheapest Car Insurance With a Homeowners Bundle/Discount in Virginia


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 CompanyAverage Monthly Payment
Dairyland$128
21st Century$129
GEICO$130
Progressive$134
The General$137
Virginia Car Insurance

Cheapest Car Insurance For Male Drivers in Virginia

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 CompanyAverage Monthly Payment
Acceptance RTR$157
Bristol West$160
GEICO$164
Nationwide$164
Assurance America$165
Virginia Car Insurance

Great Resources for Virginia Car Insurance

Virginia Department of Motor Vehicles

Virginia Car Insurance Minimum Requirements

SR-22 & FR-44 Requirements

Check Your Vehicles VIN

Additional Helpful Links
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Last Updated on June 6, 2022 by alexandra Vileikis