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Virginia Auto Insurance

As noted earlier, the Virginia DMV does a thorough job of tracking Virginia auto insurance coverage and cancelations in the State of Virginia.  Through the use of State approved insurance agencies and the Electronic Motor Vehicle Liability Insurance Reporting process, the regulation of Virginia Auto Insurance is stringently monitored.


A Virginia auto insurance agency must be registered to do business in the State of Virginia; otherwise, they are not able to offer auto insurance to drivers.  This adherence to registration regulations ensures that the Virginia DMV has access to all of the data necessary to make swift determinations and to maintain information on individuals within the State.

 

Auto Insurance Agents

Need to find an auto insurance agent in your area? Read more...

 

Comparing Companies

Do shop around!  Virginia auto insurance companies are competing for your business, assuming you are an equitable driver, and you will receive different quotes from different Virginia auto insurance companies.  On the other hand, if you are a high-risk driver with speeding tickets and a DWI/DUI, for example, on your Virginia Driving Record, you may be turned down by some auto insurance companies and be forced to acquire auto insurance from agencies that quote outrageously high rates.  This is the consequence of careless or reckless driving behavior. Read more...

 

Insurance Discounts

Safe-driving points are typically awarded at the rate of one-per-year for every year that your driving record remains untainted in Virginia, with a maximum of 5 safe-driving points accumulating on a driving record at any one time. Read more...

 

Levels of Auto Insurance

The minimum level of auto insurance you are required to carry will vary from State-to-State; however, it is important to take into consideration the costs you will incur if you are involved in a motor vehicle accident.  In Virginia, it is totally acceptable to cover your vehicles at the minimum auto insurance coverage allowable; however, minimum coverage might not cover you completely, which means that you might incur some of the cost. Read more...

 

Insurance Requirements

No auto insurance?  No registration in the State of Virginia!  It’s that simple.  Virginia requires minimum auto insurance coverage of  $20,000 for property damage, $25,000 for bodily injury or death of one person, and $50,000 for bodily injury or death of 2 persons or more.  Furthermore, your Virginia auto insurance policy must be issued by an agency that is licensed to do business in the State of Virginia. The Virginia DMV uses the Electronic Motor Vehicle Liability Insurance Reporting process, which means that the Virginia DMV is notified by Virginia auto insurance companies when liability insurance is issued or canceled for vehicles registered in Virginia. Read more...

 

Risks of Not Having Auto Insurance

This is a very unwise decision!  While you may boast a clean driving record, you must remember that there are hazardous drivers on the road and that an accident can occur at any time.  Be sure you are covered by at least the minimum Virginia auto insurance coverage allowable in the State of Virginia to guard you and your family from an unfortunate turn-of-events.  Read more...

 

Virginia Motorcycle Insurance

Motorcycles must be insured based on the same minimum liability requirements as a motor vehicle in the State of Virginia.  However, it is advisable that, given the high risk of personal injury occurring while riding a motorcycle, motorcyclists inquire about motorcycle insurance that includes higher MedPay, PIP, and/or Underinsured/Uninsured coverage. Read more...

 

Types of Coverage

First, Liability Insurance is in-place to cover you for the amount of damage you do to others. Read more...

 

What Affects Insurance Rates?

Remaining violation-free indicates to an auto insurance company that you are a low-risk insurance candidate, and you could be rewarded with lower insurance premiums and insurance discounts.  Enrolling in a Virginia Defensive Driving school or Virginia Traffic School can also result in premium reductions and insurance discounts. Read more...

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