Auto Insurance in Virginia

Auto insurance is a requirement by law in Virginia. With so many insurers available in Virginia, it can be challenging to choose the right one for your needs. We have created this guide to help you understand the auto insurance requirements in Virginia, the types of coverage available, and what to look for when choosing an auto insurance provider.

Virginia Auto Insurance Requirements

Virginia law requires all drivers to have auto insurance coverage. The minimum requirements for auto insurance in Virginia are as follows:

Coverage Type	Minimum Coverage Amount
Bodily Injury	$25,000 per person / $50,000 per accident
Property Damage	$20,000 per accident
Uninsured/Underinsured Motorist Bodily Injury	$25,000 per person / $50,000 per accident
Uninsured Motorist Property Damage	$20,000 per accident

These minimum coverage amounts are just that – minimums. It is recommended that you consider additional coverage to protect yourself in the event of an accident.

Bodily Injury Liability

Bodily injury liability coverage pays for the medical expenses, lost wages, and pain and suffering of the other driver and their passengers if you are responsible for an accident.

It is essential to note that bodily injury liability does not cover your own medical expenses or those of your passengers. You will need to have additional coverage for that.

It is recommended that you consider bodily injury liability coverage of at least $100,000 per person and $300,000 per accident.

Property Damage Liability

Property damage liability coverage pays for the cost of repairing or replacing the other driver’s vehicle if you are responsible for an accident.

It is recommended that you consider property damage liability coverage of at least $50,000 per accident.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you are involved in an accident with someone who does not have insurance or does not have enough insurance to cover the damages.

It is recommended that you consider uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident.

Additional Coverage Options

In addition to the required coverage, you may want to consider additional coverage options to protect yourself and your vehicle.

Collision Coverage

Collision coverage pays for the cost of repairing or replacing your vehicle if you are involved in an accident, regardless of who is at fault.

It is recommended that you consider collision coverage if you have a newer vehicle or if you still owe money on your car loan.

Comprehensive Coverage

Comprehensive coverage pays for the cost of repairing or replacing your vehicle if it is stolen or damaged by something other than a collision, such as fire or hail.

It is recommended that you consider comprehensive coverage if you live in an area with a high risk of theft or natural disasters.

Personal Injury Protection

Personal injury protection (PIP) coverage pays for your medical expenses and lost wages if you are injured in an accident, regardless of who is at fault.

It is recommended that you consider PIP coverage if you do not have health insurance or if your health insurance has high deductibles or co-pays.

How to Choose Auto Insurance in Virginia

When selecting an auto insurance provider in Virginia, there are several factors to consider:

Coverage Options

Look for an insurer that offers the coverage options you need to protect yourself and your vehicle.

Price

Compare quotes from several insurers to find the best price for the coverage you need.

Customer Service

Look for an insurer with a reputation for excellent customer service.

Financial Stability

Check the insurer’s financial stability rating with companies like A.M. Best, Moody’s, or Standard & Poor’s.

Discounts

Look for insurers that offer discounts for safe driving, multiple policies, or vehicle safety features.

Frequently Asked Questions

What are the consequences of driving without insurance in Virginia?

Driving without insurance is illegal in Virginia. The consequences of driving without insurance include fines, license suspension, and even jail time.

Can I use my out-of-state car insurance in Virginia?

If you are visiting Virginia and have out-of-state car insurance, it may be valid in Virginia. However, it is recommended that you contact your insurer to confirm that you have the necessary coverage.

How can I lower my auto insurance premiums in Virginia?

You can lower your auto insurance premiums in Virginia by:

• Choosing a higher deductible
• Maintaining a good driving record
• Taking advantage of insurer discounts
• Driving a safer vehicle

Can I buy auto insurance online in Virginia?

Yes, many auto insurance providers in Virginia offer online purchasing options. However, it is recommended that you speak with an agent to ensure that you have the coverage you need.

How long will it take to get my auto insurance policy in Virginia?

The time it takes to receive your auto insurance policy in Virginia may vary depending on the insurer. It is recommended that you ask the insurer how long you should expect to wait for your policy.

Conclusion

Auto insurance is a necessary expense for all drivers in Virginia. It is crucial to understand the coverage options available to you and to choose an insurer that meets your needs. By following the tips in this guide, you can select an auto insurance provider that provides you with the protection you need at a price you can afford.