Car Insurance in Virginia: Understanding Minimum Requirements and Coverage Options
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Every state sets rules and requirements for drivers regarding car insurance. If you're a Virginia resident, you need to abide by the rules for car insurance in Virginia.
Because
every state is different, and these rules can change over time; it's worth digging deeper to fully understand what's required. Here's what you need to know about auto insurance coverage in Virginia.
Virginia Car Insurance Requirements
Car insurance policies are not optional in Virginia. As a driver, you must meet the state's minimum insurance requirements. Let's break them down so you know what you need to purchase.
What Is the Uninsured Motor Vehicle Fee?
Until recently, Virginia allowed drivers to register a car without insurance by paying a $500 uninsured motor vehicle fee. So, do you need car insurance in Virginia?
Yes. A new law, SB 951, removed this option as of July 1, 2024. Now, all Virginia drivers must have car insurance to register a vehicle.
Understanding Minimum Requirements
States can change their minimum car insurance requirements. Currently, Virginia requires drivers to carry at least 30/60/20 coverage. That's a $30,000 coverage limit for death or bodily injury to one person, a $60,000 total limit per incident for the death or bodily injury to two or more people, and $20,000 in property damage coverage.
As of January 1, 2025, Virginia's minimum liability insurance limits will increase. Starting then, Virginia will require auto insurance policies with at least $50,000 liability per person, a $100,000 total limit per incident for injury or death of two or more people, and $25,000 in property damage coverage. You need to carry proof of insurance to show you meet the minimum requirements.
If your current insurance coverage does not meet these new, higher requirements, it may be time to start looking for new insurance. Make sure you understand car insurance requirements in your area — and meet them — so you don't face penalties.
Risks of Driving Without Insurance
Car insurance can be expensive, so some people try to save money by not purchasing it. However, uninsured drivers are taking big risks.
If you're caught disobeying insurance requirements, the Virginia Department of Motor Vehicles (DMV) will suspend your driver's license and vehicle registration privileges. You will need to pay a $600 fee, a possible reinstatement fee, and file a Financial Responsibility Insurance Certificate (SR-22) with the DMV for three years to reinstate these privileges.
Plus, driving without insurance leaves you financially vulnerable if you get into an accident. Depending on who is at fault, you might have to pay for repairs or replacements on your vehicle, the other party's vehicle, and everyone's medical bills.
Maintaining auto insurance coverage helps you stay on the right side of the law and protects you financially if you get into an accident.
How To Save on Virginia Car Insurance
Car insurance can be a significant recurring expense, so you want to keep your costs as low as possible. Try these tips to save on car insurance in Virginia.
Compare Insurance Quotes
The best way to save money on car insurance is to compare quotes and find the best rate. If you go with the first insurance company you see, you'll probably end up overpaying for insurance.
Even slightly higher insurance rates will add up quickly over time. Research and compare rates to find the best car insurance in Virginia.
Maintain a Clean Driving Record
Your insurance rates depend on many factors, including your:
- Age
- Location
- Vehicle
- Gender
- Driving record
While you don't have any control over something like your age, you can control your driving record for more affordable car insurance in Virginia. Follow traffic rules and drive within the speed limit to avoid speeding tickets. Be cautious to avoid accidents even when other drivers are driving irresponsibly. The better your driving record, the lower your car insurance rates will be.
Bundle Insurance Policies for Savings
You may need other forms of insurance beyond car insurance. Car insurance companies in Virginia often offer a discount if you also buy other insurance policies through them. To save money, you can bundle your insurance, such as your home and auto insurance, together. Search for insurance bundles and compare the bundled costs to buying your insurance coverage separately.
Compare Local Insurance Providers Easily
Researching and comparing all your different insurance options can be daunting. Instead of going to each insurance provider's website for information on coverage and pricing, you can use EverQuote's comparison tools. EverQuote helps you find affordable car insurance from local providers in minutes.
All you have to do is answer a few questions about your vehicle, yourself, and your insurance needs. Then, EverQuote will find insurance options from the largest auto insurance companies in Virginia and smaller insurance providers. You review them and find the best option. It's never been easier to compare local auto insurance providers.
Shop Around for the Best Quotes
The best way to find excellent car insurance coverage at even better prices is through online comparison tools like EverQuote. Try EverQuote today to find affordable Virginia car insurance. Getting a custom comparison is always free with us.