Virginia Car Insurance

The history behind Virginia is breathtaking, having backed with all the American history you can imagine for example the president’s horses and anything else you can think of it’s there. What’s the wealth of history in this state you’ll have an itch to get behind the wheel and start driving around to check them out, but before you do that you’ll need to know the ins-and-outs of car insurance in the state of Virginia. And that’s exactly what we’re here to do, we want you to know everything about car insurance in the state of Virginia so you have optimal protection when you’re on the road.

Required Coverages

 Drive in the state of Virginia you are legally required to have Car insurance. Your car insurance it’s already a present based on the minimum requirements we’re both liability and uninsured and underinsured motorist coverage are required. Here are the limits for your insurance policy.

  • $25,000 in bodily injury coverage per person
  • $50,000 a bottle injury coverage per accident
  • $20,000 in property damage car accident

Please note that the requirements for your uninsured and underinsured motorist coverage has the exact same as the minimum requirement.  Here’s what you be looking at

  • $25,000 of uninsured and underinsured motorist coverage per person
  • $50,000 of uninsured and underinsured motorist coverage per accident
  • $20,000 of uninsured and underinsured motorist coverage per accident

Optional Coverages

 If you weren’t satisfied with the minimum requirements you need to drive on the road, you do have the ability to add additional coverages to your policy. These additional coverages can help offer more protection while you’re on the road to reduce the impact it can have on your wallet.

 For more information about optional coverages available to you, you would need to speak to a local Agent. Click here for more information. 

Is Virginia a no-fault state?

 Virginia is technically considered a fault state, but you do have the option to add personal injury protection on to your claim. This means that if you were in an accident your personal injury protection will help cover you for lost wages in medical expenses. but also if you’re in an accident and the other person is at fault their insurance company will cover for damages.

Average Cost of Insurance in Virginia

Virginia has some history behind it, and living there is amazing. That’s a compliment this the car insurance is just as good. Can you imagine paying almost 37% less than the national average in the United States? And only paying about $900 a year? That’s less than $90 each month.