At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in Virginia does not have to be a chore. Fill out one form and our licensed agents will match you with the Virginia auto insurance provider that offers the best rate for your vehicle and your drivers.
Did you know? The average Virginia auto insurance premium in September 2011 was $1,240.00 for a 12-month policy. It appears that rates have decreased since August 2011 when average rates in Virginia were around $1,255.00 for a 12-month policy.
Average Premiums for Auto Insurance In Virginia |
||||
| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $1240.00 | $1255.00 | $1273.00 | $1269.00 | $1220.00 |
Though rates have decreased in recent months, it’s important to continue to save money and find great coverage on Virginia auto insurance. Be sure to ask your Virginia car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.
Virginia Auto Insurance News
- Virginia drivers ticketed for non-existent crimeTuesday, December 27, 2011
- Deer-vehicle collisions fall 7 percentWednesday, October 05, 2011
- Chevrolet pickup tops list of most-stolen vehicles in West VirginiaWednesday, August 17, 2011
Virginia Auto Insurance Coverage Requirements
Bodily Injury: Virginia drivers are required by law to carry a minimum of $25,000 of bodily injury coverage with a maximum of $50,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.
Property Damage: Drivers in Virginia must carry a minimum of $10,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.
Virginia Recommended Coverages
- Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
- Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters
Another way to save money on Virginia car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the Virginia Home-Auto Discount.
Auto Insurance Tools and Tips:
- Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
- Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
- Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.
Virginia Most Stolen Vehicles
Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in Virginia:
The Top 10 Most Stolen Vehicles in Virginia
Rank |
Year |
Vehicle |
1 |
1996 |
Honda Accord |
2 |
2000 |
Honda Civic |
3 |
1995 |
Jeep Cherokee/Grand Cherokee |
4 |
1996 |
Dodge Caravan |
5 |
1997 |
Ford Taurus |
6 |
2002 |
Ford Explorer |
7 |
2007 |
Toyota Camry |
8 |
1997 |
Ford F150 Series |
9 |
1998 |
Toyota Corolla |
10 |
2006 |
Nissan Altima |
Source: © 2007 National Insurance Crime Bureau.
Virginia Driver Licensing Rules/Regulations:
Laws about licensing new drivers vary per state and are unique in Virginia. Drivers shopping for Virginia teen auto insurance should review the laws regarding young drivers in their state. A summary of Virginia young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):
| To earn a Virginia learners permit you must be of this minimum age: | 15, 6 months |
| Before getting a Virginia drivers license you must have a learners permit for: | 9 months |
| Also, you must have this minimum amount of supervised driving time: | 45 hours, 15 of which must be at night |
| To earn a Virginia driver's license you must be of the minimum age: | 16, 3 months |
| During your restricted license stage, you are not allowed to drive between: | midnight-4 am secondary enforcement |
| Also, you are required to comply with the following passenger restrictions: | first 12 months—no more than 1 passenger younger than 18; thereafter, no more than 3 passengers younger than 18 secondary enforcement |
| The minimum age at which your restricted nighttime hours may be lifted in Virginia is: | 18 |
| The minimum age at which your passenger restrictions may be lifted in Virginia is: | 18 |
Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in Virginia.
Search for auto insurance in your Virginia county:
- Accomack
- Albemarle
- Alexandria City
- Alleghany
- Amelia
- Amherst
- Appomattox
- Arlington
- Augusta
- Bath
- Bedford
- Bland
- Botetourt
- Bristol
- Brunswick
- Buchanan
- Buckingham
- Buena Vista City
- Campbell
- Caroline
- Carroll
- Charles City
- Charlotte
- Charlottesville City
- Chesapeake City
- Chesterfield
- Clarke
- Colonial Heights City
- Covington City
- Craig
- Culpeper
- Cumberland
- Danville City
- Dickenson
- Dinwiddie
- Essex
- Fairfax
- Fairfax City
- Falls Church City
- Fauquier
- Floyd
- Fluvanna
- Franklin
- Franklin City
- Frederick
- Fredericksburg City
- Galax City
- Giles
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- Goochland
- Grayson
- Greene
- Greensville
- Halifax
- Hampton City
- Hanover
- Harrisonburg City
- Henrico
- Henry
- Highland
- Hopewell City
- Isle Of Wight
- James City
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- Lancaster
- Lee
- Lexington City
- Loudoun
- Louisa
- Lunenburg
- Lynchburg City
- Madison
- Manassas City
- Manassas Park City
- Martinsville City
- Mathews
- Mecklenburg
- Middlesex
- Montgomery
- Nelson
- New Kent
- Newport News City
- Norfolk City
- Northampton
- Northumberland
- Norton City
- Nottoway
- Orange
- Page
- Patrick
- Petersburg City
- Pittsylvania
- Poquoson City
- Portsmouth City
- Powhatan
- Prince Edward
- Prince George
- Prince William
- Pulaski
- Radford
- Rappahannock
- Richmond
- Richmond City
- Roanoke
- Roanoke City
- Rockbridge
- Rockingham
- Russell
- Salem
- Scott
- Shenandoah
- Smyth
- Southampton
- Spotsylvania
- Stafford
- Staunton City
- Suffolk City
- Surry
- Sussex
- Tazewell
- Virginia Beach City
- Warren
- Washington
- Waynesboro City
- Westmoreland
- Williamsburg City
- Winchester City
- Wise
- Wythe
- York
For additional information about specific auto insurance laws in Virginia, visit the Virginia State Corporation Commission, Bureau of Insurance website.
