Comparing policies is far more involved than just comparing price tags too. You have to look at the coverage offered, the customer satisfaction rating, and compare deductibles when deciding which company will protect you as a Virginia driver.
The Best Car Insurance Company in Virginia
- State farm
- GEICO
- National
- USAA
- Allstate
Fortunately, we take the time to do research for you. In this article, you will find everything you need to compare and choose the best car insurance policy, as well as all you need to know about driving legally in the Commonwealth. We will talk about Virginia's laws, regulations, and requirements, factors that will affect your premium costs, and even the best reputable companies in the state.
When you are done, you should not only know what you need from the car insurance policy you bought, but also who bought it and why.
Compare Car Insurance Plans in Virginia
Our Top Five Choices for the Best Car Insurance in Virginia
When shopping for a car insurance policy in Virginia, you have many choices. Of course, it's important to remember that your rates will vary greatly depending on a number of individual factors: your exact location, the vehicle you drive and the coverage you choose, and even your personal driving record.
Based on consumer assessment and our own research, these are our five best choices for car insurance providers in the state:
- Best Overall Satisfaction: Amica Mutual
- Best Customer Service: Amica Mutual or USAA (if you are a member)
- Lowest premium: USAA or GEICO
- Great If You Have a Perfect Record: Cincinnati Insurance
- Best if you have a less than perfect record: State Farm
Virginia Auto Insurance Requirements
The following is a comprehensive view of your legal requirements regarding minimum car insurance coverage in the state of Virginia. This includes bodily injury and coverage of liability for property damage, as well as mandatory / insured motorist coverage.
Coverage for bodily injury responsibility pays for injuries that other people can sustain due to accidents that you consider wrong. If a lot of people get hurt, your insurance company will still only close to the maximum amount permitted under your policy - which means that they will share the payment, and that may or may not cover all of their expenses.
Therefore, you might want to consider additional coverage outside the country's minimum limits, especially if you have assets that you can sue.
Coverage for damage to property liability is paid in response to damage suffered by an accident that you have wronged. This could include other vehicles, damaged buildings or structures, and even objects such as lamp posts or road signs.
Coverage for uninsured / underinsured motorists is something that not all countries need, but Virginia does not. This coverage will help pay for your damage or injury if you have an accident which is another driver's fault, but the driver has no liability coverage or just doesn't have enough coverage.
When choosing your perfect policy, you can definitely choose a policy that provides additional coverage, above the numbers shown below. Just keep in mind that this is the minimum that must be met by your automatic policy.
Minimum Coverage Type
- Obligation of Body Damage
- One person's death or injury in one accident A
- The death or injury of 2+ people in one accident
- Minimum property damage obligation
- Uninsured / Uninsured Riders Same as liability
Minimum
- Minimum of $ 25,000
- $ 50,000 minimum
- $ 20,000 minimum
- Just like liability coverage ($ 25k / $ 50k / $ 20k)
Virginia also allows drivers to pay fees for driving as uninsured drivers.
If for any reason you cannot or do not want to get the minimum state car insurance when registering your vehicle, you can choose to pay a fee of $ 500 to Virginia DMV. This option, called the cost of the Uninsured Motor Vehicle (UMV), will allow you to drive legally without the minimum auto insurance coverage mandated by the state for a total of 12 months. If you need to be insured for a shorter period of time, these costs can also be prostituted.
However, remember that this will not protect you in any way if you have a car accident. If you are responsible for damage or injury caused by a car accident, you still have to pay for damage to another driver from your own pocket.
Of course, unless you can financially insure yourself - and not worry about the possibility of being sued for your assets in the event of a wrong accident - this route is usually unwise. Car insurance is an important and protective product, and damage / injury even from small accidents can increase very quickly.