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For an Instant Auto Insurance Quote in all U.S. states, visit the link shown below.
Read this quick page for a handy summary of current stats and facts pertaining to auto insurance in the state of Virginia.
Average Auto Insurance Rates
The Average Annual Car Insurance Premium in the state of Virginia was $1,020 as of the middle of last year. The national average for that same time was $1,347.
Virginia's below average car insurance premiums may be due to economic vitality, a preponderance of local insurance carriers, and the state's highly accessible public transportation systems.
Minimum Liability Coverage
The minimum required car insurance coverage mandated by Virginia state law is 25/50/20 per vehicle.
In other words, drivers in Virginia must have at least $25,000 in Personal Injury Protection (PIP), $50,000 coverage against injuries to others, and $20,000 to cover the cost of property damage.
So, Virginia car owners with the minimum required auto insurance will get a maximum payout of $95,000 per accident. However, this may or may not be enough to cover the real-time cost of an accident.
Insurance experts recommend 100/300 liability coverage per vehicle.
They also recommend Uninsured Motorist Insurance (UMI) for drivers in the state of Virginia, as roughly 11 percent of vehicles on Virginia roads are uninsured.
Penalties for Driving Uninsured
Virginia drivers ticketed for operating an uninsured vehicle face a suspended driver's license and vehicle registration until proof of minimum insurance coverage is provided.
Offenders also have to pay fines, raised premiums and reinstatement fees.
Cost of Car Insurance
Here are some ways in which Virginia car owners can minimize their annual premiums on car insurance.
Think about these factors whenever you obtain an Instant Auto Insurance Quote.
1. Pay off annual premiums in full.
2. Increase your deductible amount.
3. Drive vehicles with permanently installed safety features.
4. Quit driving for three years in favor of public transportation. Doing this will create an exemplary driving record, qualifying the car owner for many discounts from auto insurance carriers.
Most insurance carriers authorize Good Driver discounts, Good Student discounts, Defensive Driving Course discounts, Multiple Policy discounts and Vehicle Safety discounts, among others.
According to reports from J.D. Power & Associates, the most popular car insurance providers in Virginia are Allstate, Amica Mutual, Geico, Progressive and State Farm.
Still, many Virginia car owners prefer smaller, local carriers like Farm Bureau, Direct General, and Erie.
Either way, all you need to do is
1. Obtain a few free online quotes.
2. Call five local agents and ask each one for a free instant auto insurance quote.
3. Inquire about the discounts.
4. Compare quotes and simply choose the plan with the cheapest annual premium.
5. Decide how you'd like to spend the hundreds of dollars a year you saved on car insurance.
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