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What type of insurance do you need?
On average, Virginia drivers pay $1,008 a year for their car insurance coverage. This is significantly lower than the national average cost of $1,311 a year.
As a vehicle owner in Virginia, you can find the best rates for car insurance by comparison shopping. Independent insurance agents can help by getting customized quotes from multiple top-rated insurance companies for you. That way, you can be sure you are getting great coverage at a competitive price.
Accidents can happen in the blink of an eye. If you are involved in a crash, here are a few of the ways that your Virginia auto insurance may be able to help.
In addition to what was mentioned above, auto insurance companies will typically offer other optional coverage such as gap insurance, towing and roadside assistance coverage, and rental car reimbursement. Talk to a local independent insurance agent to learn more.
Virginia is what is referred to as an “add-on” at-fault (or tort) state.
This means that the driver who causes the accident is responsible for covering damage and medical costs. However, if your policy includes PIP coverage, your insurance will provide the first line of coverage for your medical bills if you are injured in a collision, regardless of fault.
Interestingly, Virginia allows residents to opt to drive without insurance so long as they pay an annual $500 Uninsured Motor Vehicle fee. Paying this fee does not entitle these drivers to any type of coverage if they cause an accident. Rather, they will be expected to pay for any injuries or damages they caused out of pocket.
Even with this caveat, only an estimated 9.9% of drivers in this state are driving uninsured vehicles. This is well below the national average of 13.0%
There is no single insurance company that is the best choice for all drivers. The company that may offer the most value to you is not necessary the same company that is ideal for your best friend.
Independent agents compare policies and rates from a variety of highly rated insurance companies in order to find you the policy that best meets your coverage and budgetary needs.
Yes! There are currently 463 independent insurance agents in Virginia who are ready to help.
A local independent agent can work with several different insurance providers to help find a great car insurance policy at a competitive rate. Find an agent near you to learn more.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
|City||Commute Time (Min)||Auto thefts / 1,000||Annual insurance cost|