Car Insurance in Virginia: How to Find the Policy That Fits You
MoneyGeek analyzed and found solutions for all your car insurance needs in Virginia.
Find the Best or Cheapest Car Insurance in Virginia
MoneyGeek compiled and analyzed car insurance quotes from different Virginia insurers to help drivers find the lowest prices. Through our unique scoring system, we evaluated companies and their ability to balance cost and affordability.
To help consumers learn more about car insurance costs in Virginia, MoneyGeek studied car insurance prices and how they are impacted by age, driving records and other factors.
MoneyGeek’s resources above discuss the most affordable and best-ranked car insurance in Virginia for various driver profiles. Our table below provides a short overview of what can be expected. However, be aware that all our recommendations are for a full coverage policy unless otherwise specified.
- Minimum liability: Progressive
- Full coverage: Progressive
- Drivers with a DUI: Progressive
- After an accident: Progressive
- Drivers with a ticket: GEICO
- Drivers with bad credit: GEICO
- Senior drivers: Progressive
- Student drivers: Progressive
- Overall: Progressive
- Customer Service: GEICO
- On a Budget: GEICO
- Poor Driving Record: State Farm
- Military: USAA
- Young Drivers: Progressive
- New Cars: Travelers
- Low-Mileage Drivers: Metromile Auto
Get a Virginia Car Insurance Quote
Based on MoneyGeek’s research, car insurance quotes in Virginia can vary by up to $679 per year for the same driver based on the insurer they choose. Shopping around and comparing policies is your best way to find the lowest rates. Fortunately, the process isn’t time-consuming and can help you save money.
Car Insurance Laws in Virginia
MoneyGeek has all the necessary resources if you want to know more about Virginia’s car insurance laws and requirements. Drivers in Virginia must have the following coverages:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
- $20,000 uninsured/underinsured motorist property damage coverage
Virginia’s state minimum insurance doesn’t have comprehensive and collision insurance, and it only mandates low liability limits. Consider how much insurance you actually need and whether you’ll need to purchase more coverage than the state requires.
Drivers in Virginia who have traffic violations on their records, such as a DUI, are required to file an SR-22. This is a form showing proof of insurance. MoneyGeek evaluated the cost of getting insurance with an SR-22 and explained the process of filing the form with an insurance company.
Specialty Car Insurance in Virginia
Sometimes, you may need coverage beyond what the usual car insurance offers. MoneyGeek evaluated various specialty car insurance options in Virginia, such as non-owner, temporary and low-income car insurance, to help you find a policy that fits your requirements. Learn more about these unique car insurance types in Virginia below.
MoneyGeek Specialty Car Insurance Resources
Non-owner car insurance
If you don’t own a car but need proof of insurance, non-owner car insurance in Virginia could be your best choice.
Temporary car insurance
Temporary car insurance in Virginia might best fit your needs if you frequently rent cars or will need insurance for a short amount of time. You can either buy a traditional policy and cancel it early or purchase rental car insurance.
Car insurance for low-income drivers
Virginia, like most states, doesn't offer support for car insurance to low-income residents. MoneyGeek found ways to save on your car insurance premiums if you’re a low-income individual in Virginia.
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