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Virginia Car Insurance
By CarInsurance.com August 03, 2017
Here you’ll learn everything you wish to recognize to buy sufficient automobile coverage in Virginia at an low rate price.
Virginia cities surrounding Washington, D.C., pay exceptionally lots higher automobile coverage rates than the rest of the state. You can see how all Virginia ZIP codes evaluation by way of clicking spherical the map below. No subject what area you stay in, though, you will find that different automobile coverage corporations will rate the identical driver very different state automobile coverage rates. That's why it's sensible to evaluation rates to be sure you are not overpaying. For example, in Alexandria ZIP code 22312, the optimum rate is among main carriers surveyed was $1,443. That’s $614 more than the lowest ($829). You can save, on average, $450 in Virginia by way of comparing rates, according to CarInsurance.com’s ordinary automobile coverage monetary economic savings rate by way of state analysis.
The ordinary automobile coverage rate for Virginia is $972, according to a CarInsurance.com rate analysis.
To get a customized rate to your neighborhood, enter your ZIP, age and safe practices stage inside the tool below. You'll also see how exceptionally lots you perhaps can shop by way of noting the difference among the optimum and lowest rate fielded from main insurers.
Virginia Car Insurance Rates by way of ZIP Code & City
Enter ZIP for ordinary rate. Then enter Age, Gender and Coverage Level for customized rate.
22101
SEARCH
Use ctrl + scroll to zoom the map
22101 - McLean
For 40 Year Old Male (Type: Full-100/300/100)
Average Annual Premium: $1,033
HIGHEST RATE: $1,264LOWEST RATE: $790
MOST & LEAST EXPENSIVE ZIP CODES in Virginia
HIGHEST RATE:
22312- ALEXANDRIA: $1,165
22003- ANNANDALE: $1,156
22041- BAILEY'S CROSSROADS: $1,148
22151- KINGS PARK: $1,144
LOWEST RATE:
24060- BLACKSBURG: $819
24073- CHRISTIANSBURG: $825
22939- FISHERSVILLE: $827
22815- BROADWAY: $828
METHODOLOGY +
Cheap automobile coverage in Virginia
Virginia automobile coverage requirements
Virginia state law requires right the following minimal automobile coverage coverage:
Minimum bodily damage liability $25,000/$50,000
Minimum property spoil liability $20,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Uninsured/underinsured motorist property damage $20,000
To power legally, Virginia mandates every motorist have a minimal of $25,000 in bodily damage liability safe practices ($50,000 per accident) and $20,000 to pay for property damage. Virginia also requires drivers to buy uninsured and underinsured motorist coverage, both for bodily damage and property damage.
Additional safe practices is typically affordable, and, naturally provides more protection. Increasing safe practices from the state minimal to higher liability limits rates $37 a 12 months or $3 a month. Hiking your safe practices to entire safe practices with a $500 deductible costs, on average, $600 more, or $50 a month.
Coverage limits
Average annual rate
Liability Only - state minimum
$372
Liability Only - 50/100/50 BI/PD
$409
Full Coverage - 100/300/100 BI/PD
$500 Comp/Collision deductible
$972
*The table shows the ordinary annual rate of nearly every ZIP code in Virginia from as much as six main coverage companies. Rates are for a male driver, age 40, with a clean listing and good credit rating for a 2016 Honda Accord. Data was bought for CarInsurance.com by way of Quadrant Information Services.
Recommended automobile coverage safe practices
When deciding how exceptionally lots automobile coverage to buy, you wish to assess your chose situation. To power legally, you must acquire a minimal of the minimal liability coverage required by way of your state. If you didn’t borrow cash from a lender to buy your automobile and you don’t have exceptionally lots of cash or property to protect, that would perhaps be a sensible choice. If, however, you don’t own your automobile outright, you can be required to get achieved and collision coverage. Additionally, in case you have got got a residence and monetary economic savings to protect, it’s sensible to buy more coverage.
Use our How Much Car Insurance Do You Need? tool to get a recommendation.
AGESTATEVEHICLE MODEL YEARPRIMARY RESIDENCE
OWN RENT
VEHICLE FINANCING
OWNED FINANCED LEASED
Liability
The more cash and property you have, the more probably it's that you simply may also be sued following a automobile accident. Unless you are found to pay the lowest automobile coverage rate possible, we mean you acquire higher than minimal liability coverage. If your internet rate is:
less than $50,000, choose a minimal of 50/100/50
between $50,000 and $100,000, choose a minimal of 100/300/100
more than $100,000, choose a minimal of 250/500/100
If you are leasing or financing your car, you automatically need safe practices of 100/300/100 or higher.
Collision and comprehensive
Collision safe practices can pay for spoil to your automobile after an accident that you simply cause. Comprehensive coverage can pay to replace stolen vehicles and for damages from vandalism, flooding, hail, fire and animal strikes. If your automobile is:
less than 10 years old, you must strongly think buying collision and comprehensive.
more than 10 years old, merely acquire collision and achieved if your automobile is rate $3,000 or more, if you happen to couldn’t afford to replace your automobile if it’s wrecked, or if you happen to merely want more coverage on your policy.
If you acquire comp and collision, experiment our guide to selecting a deductible amount.
Uninsured/underinsured motorist
Uninsured motorist safe practices and underinsured motorist safe practices can pay for damages if you’re hit by way of a driver and not utilizing a coverage or a driver with safe practices that’s insufficient to pay to your upkeep and medical expenses. In Virginia, these are required by way of state laws. These must match the liability limits you choose.
Medical safe practices (MedPay)
Medical payments safe practices can help pay for the medical or funeral payments of blanketed drivers and passengers after an accident, regardless of fault, as much as $25,000. In most states it's an optionally handy addition to your automobile coverage policy. MedPay does the following:
Covers you and your passengers’ medical expenses
Pays for payments after effectively being coverage limits are exceeded
Offers more coverage to insured drivers who are hit by way of a automobile while walking or biking
If you and your passengers:
Don’t have effectively being insurance, or have a plan that doesn’t cover automobile accidents or has low limits, we mean that you simply add medical safe practices of a minimal of $5,000 to your automobile coverage policy.
Do have effectively being insurance, it’s still a good thought to have medical safe practices if you happen to want the finest coverage on your policy, as it may pay out after your effectively being benefits are maxed out.
Gap insurance
If you got a loan to pay to your automobile and have an accident, gap coverage can pay the difference among the cash rate of your automobile and the newest marvelous stability on your loan or lease.
If you’re financing your car, your automobile is much not as much as one 12 months antique and you’ve positioned much not as much as 20 percent down on it, you must acquire gap insurance. If not, you don’t need gap insurance.
If you’re leasing your car, it’s a good thought to buy gap coverage if you happen to do not already have the safe practices on your employ agreement.
If you own your automobile outright, you don’t need gap insurance.
Virginia automobile coverage rates by way of company
Below you will see ordinary annual rates for Virginia, ranked least expensive to most expensive, for three safe practices levels:
State minimal liability requirements
Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with achieved and collision at $500 deductible
Company State minimal ordinary annual rate
State Farm $320
Geico $326
Allstate $326
Nationwide $398
Progressive $487
Company 50/100/50 ordinary annual rate
Geico $368
Allstate $371
State Farm $380
Nationwide $407
Progressive $516
Company 100/300/100 ordinary annual rate
Nationwide $744
Geico $894
State Farm $969
Allstate $1,102
Progressive $1,150
Best automobile coverage corporations in Virginia
Insure.com surveyed 3,700 drivers to find out what they thought of their automobile coverage companies. Scores are out of 100.
Best purchaser service:
1. Allstate -- 100
2. USAA - 99.1
3. Travelers - 97.5
3. Auto Club of Southern California - 95.7
4.CSAA - 94.9
5. Nationwide - 94.9
Best claims service:
1. USAA - 100
2. Travelers - 99.1
3. Nationwide - 96.8
3. Allstate - 96.8
4. State Farm -- 96
5. Geico - 95.1
Best rate for the price:
1. Mercury -- 97
2. Travelers - 93.2
3. American Family - 91.2
4. CSAA - 91.1
5. Automobile Club of Southern California - 90.1
Virginia Car Insurance Laws
Stringent speeding laws: Virginia is difficult on speeding. For example, a conviction for speeding above 80 mph may be considered reckless utilizing -- a six-point offense -- and stay on the driver's motor automobile listing for 11 years, long after the points have disappeared.
A "super speeder" law added fines of as exceptionally lots as $1,050 to tickets before that provision of the law was repealed in 2008.
Bank a number of safety points: For every 12 months without incident, a Virginia driver can collect a "safety point" that offsets a demerit point. Drivers can also get an more safety degree for taking a defensive utilizing class. In total, you can't collect more than five, though.
Pay $500 a 12 months and power anyway: Virginia has an unusual "Uninsured Motor Vehicle" rate that allows a automobile owner to verify in an uninsured automobile and power at his or her own risk. The owner is still legally liable for any damages he or she causes.
Uninsured motorist penalties for Virginia: If you do not verify in and pay the rate to power uninsured, you may also be fined $500, have your license and registration suspended and be required to file an SR-22 form.
Electric automobile tax: To make up for lost gasoline tax revenue, home owners of electric vehicles face an more $50 rate at registration time.
DUIs in Virginia: Driving underneath the effect and different drug- and alcohol-related violations in Virginia add six points to your license and will stay on your utilizing listing for 11 years.
No age restrict for insurance, name or registration: Virginia allows minors to own, verify in and insure vehicles, still it's as much as an coverage model to elect inside the occasion that they will write a safe practices for a minor.
More on Virginia automobile insurance:
FR-44 in Virginia
Biggest automobile coverage corporations in Virginia rated on purchaser satisfaction
Rank Company Direct premiums written Market share %
Overall customer
satisfaction score
1 State Farm 835,069 17.16 90.4
2 Geico 821,256 16.87 88.1
3 USAA 614,960 12.63 97.2
4 Allstate 489,738 10.06 87
5 Nationwide 447,190 9.19 89
6 Progressive 393,733 8.09 89.6
7 Erie 174,970 3.59 85.4
8 Liberty Mutual 152,855 3.14 86.5
9 Virginia Farm Bureau 106,588 2.19 n/a
10 Travelers 97,532 2.00 91.2
Source: A.M. Best market share rankings are based principally on direct premiums written in 2015. Customer evaluation rankings based principally on Insure.com's 2016 "Best Insurance Companies" survey of 3,700 customers. Scores are out of 100.
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