By Alexis Karapiperis | Licensed CSR at Learnandserve.org | Powered by A Plus Insurance

Under Virginia Code 46.2-706. All registered motor vehicle owners in the state of Virginia are required to have liability car insurance or a substantial amount of money to pay for any losses or damages caused within an auto accident.

Three ways the financial responsibility can be met is by:

• The owner of the motor vehicle will need the minimum liability coverage with a policy issued by an insurance carrier.
• The owner of the vehicle can show proof of having a Surety Bond.
• The owner of the vehicle pays the $600 Uninsured Motor Vehicle fee.

City	Average Cost
Franklin Farm	$146
Fair Oaks	$163
Winchester	$171
Fredericksburg	$168
Chester	$163
Laurel	$171
Idylwood	$163
Merrifield	$148
Meadowbrook	$162
Herndon	$150
Marumsco	$157
McLean	$158
Chesapeake	$182
McNair	$164
Arlington	$147
Fairfax	$163
Alexandria	$170
Short Pump	$152
Charlottesville	$163
Dale City	$178
Culpeper	$178
Annandale	$161
Lincolnia	$176
Hampton	$179
Suffolk	$147
West Falls Church	$166
Waynesboro	$166
South Riding	$179
Neabsco	$151
Sudley	$175
Virginia Beach	$166
Staunton	$154
Tuckahoe	$166
Lorton	$148
Cave Spring	$148
Blacksburg	$179
Norfolk	$157
Hopewell	$182
Leesburg	$172
Centreville	$168
Radford	$158
Franconia	$169
Sterling	$167
Tysons	$182
Oakton	$174
Burke Centre	$167
Manassas	$176
Roanoke	$179
Harrisonburg	$153
Springfield	$149
Lake Ridge	$167
Mechanicsville	$171
Salem	$152
Bailey’s Crossroads	$153
Lynchburg	$173
Montclair	$167
Reston	$174
Cherry Hill	$182
Woodlawn CDP	$168
Ashburn	$181
Rose Hill	$148
Chantilly	$149
Buckhall	$172

When shopping around for quotes on auto insurance, it comes to no surprise that you will want the best coverage and pricing for your budget!

All insurance companies will not be the same when it comes down to having your best interest and finding the most affordable coverage plan best fit for you.

It is strongly recommended to look at quotes from at least three different insurance companies. However, you are always more than welcome to look at more if needed!

Over at A Plus Insurance, we work with many different carriers! This means there will be different options when it comes to getting free Virginia car insurance quotes!

If you are interested in only liability coverage and about the monthly cost you would pay per carrier, check out the chart below.

This chart includes some of the carriers we offer here at A Plus Insurance:

Carrier	Price
Dairyland	$72
National General	$84
Mendota Ins. Company	$96
Assurance America	$106
Progressive Insurance	$106
The General	$106
Travelers	$119
Bristol West	$135

Do keep in mind that these prices are subject to change depending on many factors. Some factors include, but are not limited to:

• Driving Record
• Location
• Age
• Gender
• Credit Score
• Etc.

Feel free to contact one of our agents to figure out what factors may play into the total cost of Virginia liability insurance.

Virginia State Fun Facts!

Not only is it known for being the first permanent English settlement in the United States of America, but it is also known as “The Birthplace of a Nation.”

In 1607, the United States became found in Jamestown, Virginia. Jamestown also was the first Capital for Virginia. However by 1699, the States Capital changed to Williamsburg. Only another 80 years later, in 1779, and the State Capital was changed one last time to Richmond. This was due to Governor Thomas Jefferson believing that Williamsburg was subject to more attacks from the British.

In 2022, Virginia ranked 8th place out of all 50 states with the lowest average car insurance premiums!

Why stop at only liability?

Having Full Coverage means you have comprehensive and collision coverage added on your auto policy.

Comprehensive coverage protects your vehicle by covering the costs in damages done to your car from external sources such as fire, flood, tree falling, or even theft.

Collision coverage protects your vehicle by covering the costs in damages done to your vehicle when coming in contact with an object (such as a pole) or another vehicle (whether parked or moving), resulting in an accident.

Therefore, when having both of these coverages on your auto policy, you are essentially fully covered from a majority of scenarios that can cause damage to your vehicle.

It is important to keep in mind that with full coverage insurance, you will need to pay the deductible set on your policy first before insurance will kick in.

However, if you have only liability then you will need to pay out of pocket for any of the expenses in damages caused to your vehicle.

Carrier	Price
National General	$139
Progressive Insurance	$139
Mendota Ins. Company	$146
Farmers	$147
Travelers	$154
21st Century	$156
Bristol West	$159
American Family	$161
USAA	$161
Acceptance RTR	$163
Geico	$166
Liberty Mutual	$166
State Farm	$168
Allstate	$170
Assurance America	$173

Unfortunately, young drivers may see a higher price for insurance than other drivers they know. However, this does not mean that due to the increased rates, you should not get insurance. In fact, despite the age, having Virginia liability insurance is something every current citizen there should carry when operating a vehicle.

Just a few reasons why young drivers tend to pay more are due to:

• They are highly likely to be involved in car accidents.
• Them not already having a driving record built up (this comes with the time of driving on the roads of course).
• They are more likely to be distracted whether it is by their cell phone, putting on makeup/fixing hair, having the music turned up to full volume, or even eating while driving.
• They have a lower credit score.
• They pose a risk to Insurance Carriers, financially speaking.
• They are more reckless when operating a vehicle. Examples include speeding, not wearing a seatbelt, etc.

Carrier	Price
National General	$138
Dairyland	$143
Farmers	$145
AssuranceAmerica	$151
Progressive Insurance	$152
Bristol West	$157
Mendota Ins. Company	$157
American Family	$158
Allstate	$160
The General	$160
GAINSCO	$163
Geico	$163
USAA	$180
21st Century	$182
Acceptance RTR	$182

Statistics from 2019 show that:

I understand you all may want to impress your partner or friends, but the consequences that follow may end fatally. So instead, buckle up, stay within the speed limit, and stay focused!

If you have never been involved in an accident, moving violations, or adding points to your license then you should have a clean driving record.

Individuals with a clean driving record will find themselves with better rates when it comes to having auto insurance.

Insurance carriers are likely to lower the cost for having auto insurance with them since you are a low risk client. Low risk clients are considered safer drivers. This means it is more unlikely for them to be involved in an accident or to file a claim.

Carrier	Price
National General	$133
GAINSCO	$134
The General	$140
Acceptance RTR	$144
Progressive Insurance	$149
Dairyland	$150
Assurance America	$156
21st Century	$157
Mendota Ins. Company	$157
Bristol West	$158
USAA	$159
Geico	$160
Nationwide	$167
Liberty Mutual	$168
State Farm	$170

Insurance Cost Estimator

Type of CoverageLiabilityFull Coverage

City	Price
South Riding	Progressive
West Falls Church	Progressive
Franconia	Progressive
Merrifield	Progressive
Manassas	The General
Lorton	Progressive
Franklin Farm	Progressive
Staunton	Geico
Bon Air	Progressive
Salem	Geico
Tuckahoe	Progressive
Annandale	Geico
Fredericksburg	Geico
Lake Ridge	Progressive
West Springfield	Bristol West
Linton Hall	Geico
Winchester	Progressive
Alexandria	Progressive
Chesapeake	The General
Neabsco	Progressive
Springfield	Farmers
Newport News	The General
Norfolk	Geico
Lynchburg	Farmers
Petersburg	The General
Montclair	Dairyland*
Herndon	Progressive
Waynesboro	The General
Lincolnia	National General
McLean	Dairyland*
Blacksburg	Progressive
Portsmouth	Farmers
Chester	The General
Ashburn	The General
Fair Oaks	National General
Culpeper	Geico
McNair	Progressive
Bailey’s Crossroads	The General
Roanoke	Geico
Cave Spring	Liberty Mutual
Marumsco	Progressive
Buckhall	The General
Sterling	Dairyland*
Christiansburg	Progressive
Harrisonburg	Progressive
Virginia Beach	Progressive
Tysons	Progressive
Laurel	Geico
Danville	Progressive
Meadowbrook	Geico
Sudley	The General
Leesburg	Liberty Mutual
Richmond	Farmers
Rose Hill	The General
Centreville	Bristol West
Reston	The General
Radford	Dairyland*
Arlington	Progressive
Hopewell	Progressive
Charlottesville	The General

Additional Virginia Insurance
Virginia SR22
Motorcycle Liability Insurance in Virginia
Virginia Car Insurance
Homeowners Insurance in Virginia
Virginia DMV
Virginia Car Insurance Law

Last Updated on July 19, 2023 by Alexis Karapiperis