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Virginia’s Minimum Car Insurance Requirements, Affordable Insurer Comparison for Savings, & Uninsured Motorist Fee

The state of Virginia used to be pretty lenient about car insurance requirements, however, times have changed and the state decided to combat the uninsured motorists issues and for those which were falsifying documents stating they had an active auto insurance policy when applying for their registration and license plates.

Getting car insurance rates doesn’t have to be time consuming. That is why we have provided you an advance comparison tool at the top of the page to help you find low auto insurance quotes in VA.

If you want to know the minimum requirements we have provided that information for you too.

Virginia Minimum Car Insurance Requirements

CoverageVA Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$20,000$50,000
Uninsured Motorist Coverage BIL$25,000 / $50,000$100,000 / $300,000
Uninsured Motorist Coverage PD*$20,000$20,000
Underinsured Motorist CoverageCombined with Uninsured Motorist Combined with Uninsured Motorist
Medical PaymentsOptional$5,000 limit
Comprehensive CoverageOptional$100 deductible
Collision CoverageOptional$250 deductible

*$200 deductible for hit-and-run accidents

Bodily Injury Liability

In Virginia the minimum liability insurance for Bodily Injury Liability is $25,000 for one person or $50,000 for two or more people involved in an auto accident.

Property Damage Liability

Property Damage Liability minimum cover is $20,000 which will cover any damage done to private or public property.

Cheapest Insurers by Age & Company in VA

RankVA Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1USAA$1,632$1,411$1,176$987$843$690
2Travelers$1,688$1,454$1,213$1,007$854$699
3GEICO$1,789$1,447$1,232$1,032$879$699
4Erie$1,823$1,511$1,303$1,056$890$708
5Mid Century $1,911$1,533$1,300$1,055$900$709
6VA Farm Bureau Mutual$1,948$1,531$1,309$1,067$907$723
7Garrison Property and Casualty $1,987$1,565$1,308$1,087$909$743
8Progressive$2,004$1,665$1,321$1,124$910$755
9Auto-Owners$2,043$1,678$1,343$1,176$921$766
10VA Farm Bureau Town & Country$2,021$1,700$1,354$1,178$911$789
11Integon Casualty$2,234$1,706$1,387$1,176$932$790
12Farmers$2,265$1,765$1,407$1,198$965$754
13State Farm$2,328$1,876$1,421$1,190$966$800
14Liberty Mutual$2,347$1,876$1,432$1,208$978$806
15Nationwide$2,453$1,865$1,454$1,214$987$832
16Westfield$2,476$1,887$1,457$1,276$980$821
17Allied$2,643$1,879$1,459$1,254$1,009$834
18Allstate$2,765$1,921$1,480$1,287$1,030$876
19USAA Casualty$2,789$2,211$1,598$1,308$1,044$859
20The Hartford$2,865$2,243$1,617$1,312$1,043$890
21Safe Auto$2,987$2,254$1,631$1,311$1,067$902
22Amica$3,211$2,576$1,719$1,342$1,087$854
23Hanover$3,322$2,646$1,809$1,376$1,108$876
2421st Century$3,321$2,632$1,933$1,421$1,132$894

Uninsured Motorist Fee

If you do not want to have the minimum cover in the state of Virginia then you have the option to pay uninsured motorist fee.

You will have to pay $500 to the states Department of Motor Vehicles (DMV) every twelve months. However, the fee does not provide you with any coverage.

If you are involved in an accident you will be held liable for any damages that may have incurred. Even though it may seem cost-effective to pay the $500 fee over ninety-eighty percent of drivers prefer to get insurance for their vehicles.

Uninsured Motorist Detection in VA

You want to be sure you are covered in the sate of Virginia since they have implemented many monitoring methods to be sure drivers are carrying the minimum coverage for their vehicles.

The state has Electronic Verification which works in concert with the insurance companies, and any time a policy is canceled the insurer will inform the department of motor vehicles.

The state has Suspected Uninsured Accident policy and if a driver “suspects” another driver has no insurance during the accident he/she can report it to the DMV and the state will take appropriate actions.

The Law Enforcement Notification is another method to detect uninsured motorists which works with over 100 agencies and police officers to find uninsured motorists at roadside checks.

The last method used in Virginia is Police Accidents Reports and although neither motorist may not want to get their insurance companies involved during a minor “fender bender” the police officer requests information to identify potential uninsured motorists.

Best Insurers by Consumer Rating, Complaints & Rate Change over 18 Months

VA CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
USAA$601,932,737+1.6%954.7
Erie$160,015,448 +2.1%184.2
Nationwide$396,846,371 +2.4%424.2
Liberty Mutual$65,319,534+2.2%424.4
MetLife$19,883,591+2.8%43.8
Virginia Farm Bureau$105,965,712 +2.8%23.8
Esurance$32,772,163+2.7%94.3
State Farm$809,251,036+2.5%1104.4
Travelers$56,441,120+2.8%164.5
Victoria Insurance$89,761,971+2.8%94.2
Progressive$382,932,189 +2.2%634.4
Amica$15,854,328+2.2%53.9
Rockingham Group$14,397,820 +2.7%53.9
Allstate$427,588,268+3.0%64.4
Direct General$15,799,200 +2.6%74.3
National General$71,543,771 +2.6%274.4
Hartford$22,494,068+2.6%194.2
Farmers$35,769,120+2.7%44.3
GEICO$775,118,212+2.1%1294.5
Elephant $95,678,893+2.4%404.0

Common Auto Policy for Residents of Virginia:

  • Bodily Injury Liability – 100,000/300,000
  • Property Damage Liability – 50,000
  • Uninsured Motorist Protection – 100,000/300,000
  • Medical Payments Coverage – $5,000
  • Comprehensive Coverage – $100 deductible
  • Collision Coverage – $250 deductible

Available Discounts for Drivers

When you are comparing cheap car insurance in Virginia you want to be sure you get a policy which fits your vehicular needs. Be sure to ask for discounts and many are overlooked such as:

  • Paperless discount
  • Automatic payments from your bank account or credit card.
  • Multipolicy – if you have car, life, homeowners insurance with the same company.
  • Multicar – if you have more than one car on the policy.
  • Anti-theft devices
  • Safety devices
  • Accident free driving for three or more years.
  • Good student for young drivers who have good grades.
  • Low mileage if you drive your car only for pleasure or short distances.
  • Pay your premium in full which can save you twenty percent or more.
  • Ask about services such as Progressive’s Snapshot program to get a personalize discount.

Average Rate by City in Virginia

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Alexandria$2,998153,511Harrisonburg$1,97452,538Richmond$2,843220,289
Bristol$1,98717,141Hopewell$1,96322,378 Roanoke$2,53299,897
Charlottesville$2,10946,597Lynchburg$1,85579,812Salem$2,04725,432
Chesapeake$2,108235,429Manassas$2,73241,764Staunton$2,42824,416
Colonial Heights$2,25417,820Martinsville$2,05413,645Suffolk$2,12988,161
Danville$1,98342,082Newport News$2,428182,385Viriginia Beach$2,435452,745
Fairfax$2,23224,013Norfolk$2,544246,393Waynesboro$1,95421,491
Falls Church$2,65213,892 Petersburg$2,19832,477 Williamsburg$2,63215,052
Fredericksburg$2,18728,118Portsmouth$2,43696,201Winchester$2,03527,284
Hampton$2,438136,454Radford$1,84317,403Windsor$1,7332,683

Virginia Beach, VA

Virginia Beach CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
USAA$1,165$808
Mid Century $1,187$897
Garrison Property and Casualty $1,190$900
GEICO$1,233$932
Travelers$1,324$954
VA Farm Bureau Mutual$1,376$976
Erie$1,388$1,004
Progressive$1,421$1,043

Norfolk, VA

Norfolk CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
USAA$1,245$912
Mid Century $1,365$943
Garrison Property and Casualty $1,476$976
GEICO$1,543$1,032
Travelers$1,587$1,076
VA Farm Bureau Mutual$1,649$1,127
Erie$1,704$1,176
Progressive$1,752$1,231

Roanoke, VA

Roanoke CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Travelers$1,166$890
VA Farm Bureau Mutual$1,241$902
USAA$1,247$932
Mid Century $1,287$976
Garrison Property and Casualty $1,365$998
GEICO$1,487$1,028
Erie$1,521$1,118
Progressive$1,588$1,174

Richmond, VA

Richmond CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Travelers$1,476$1,032
USAA$1,532$1,048
VA Farm Bureau Mutual$1,590$1,059
GEICO$1,654$1,163
Mid Century $1,748$1,179
Garrison Property and Casualty $1,832$1,180
Erie$1,854$1,254
Progressive$1,879$1,311

Alexandria, VA

Alexandria CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
USAA$1,622$1,178
Travelers$1,674$1,180
Progressive$1,743$1,239
VA Farm Bureau Mutual$1,821$1,365
GEICO$1,869$1,387
Mid Century $1,942$1,411
Garrison Property and Casualty $1,965$1,489
Erie$2,055$1,558

Suffolk, VA

Suffolk CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
VA Farm Bureau Mutual$1,265$895
Travelers$1,387$925
USAA$1,389$955
Progressive$1,421$987
GEICO$1,476$1,043
Mid Century $1,598$1,151
Garrison Property and Casualty $1,657$1,178
Erie$1,730$1,255

Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
1300 E Main St, Richmond, VA 23219
(804) 371-9741
4975 Alliance Dr, Fairfax, VA 22030
(800) 367-7623
1595 N Main St, Marion, VA 24354
(804) 497-7100
WebsiteWebsiteWebsite
Sources

https://www.scc.virginia.gov/boi

https://www.libertymutual.com/auto/car-insurance-coverage/virginia

https://www.statefarm.com

https://www.esurance.com

http://www.scc.virginia.gov/boi/pubs

http://www.naic.org/documents

https://eapps.naic.org/cis/

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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