Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Yearshttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/autoinsuranceez-live/2020/03/92dadfeb-rachael-brennan.jpg

UPDATED: Mar 13, 2020

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The Ultimate Virginia Car Insurance Guide (Costs + Coverage)

Virginia Stats SummaryDetails
Road MilesTotal in State: 75,061
Vehicle Miles Driven: 82,625 million
VehiclesRegistered: 7,046,065
Total Stolen: 8,111
State Population8,366,767
Most Popular Vehicle in StateHonda CR-V
Percent of Uninsured Motorists9.90%
State Rank: 34
Total Driving FatalitiesSpeeding Fatalities: 219
Drunk Driving Fatalities: 246
Average Annual PremiumsLiability: $425.61
Collision: $280.52
Comprehensive: $136.54
Cheapest ProvidersGeico and USAA
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Auto insurance isn’t the most interesting topic in this world and we know that you would prefer to rely on your agent to explain all the details of your policy.

While that may seem easy, you could lose out on a lot of important information and may not even get the right coverage.

Like every other product or solution, auto insurance requirements are different for everyone and so is the policy coverage. Do not let your agent push a “one-size-fits-all” policy to you.

So, what should you do?

Before buying a policy, you should conduct in-depth research on what’s the right coverage for you and which company you should buy from.

To make it easy for you, we are writing a comprehensive car insurance guide to cover every important detail that you may need to drive stressfree in Virginia.

Searching for Virginia automobile insurance? Sometimes shopping for a provider can be complex. But with AutoInsuranceEZ.com, it’s as straightforward as keying in your zip code. We can supply you with the top 10 insurance providers in your spot, whether you live in a big city like Virginia Beach, Norfolk, or Chesapeake, or a lesser populated area such as Richmond or Newport News.

You can also start comparison shopping now using our FREE online tool. Enter your zip code above to get started.

Table of Contents

Car Insurance Coverage and Rates in Virginia

During our daily chores, we hardly get time to check the average car insurance rates in our zip code or the types of coverage we should buy or the minimum coverage requirement in our state.

We would begin the guide by talking about how much coverage you’re required to buy and what rates you might have to pay based on the averages.

And, you will also understand what factors influence your rates and how rates vary depending on these factors.

Virginia’s Car Culture

Most of the residents of Virginia commute to D.C. for work which means frequent traffic jams and longer commutes. Because of that, the average commute time in Virginia is the seventh highest in America.

Add to that the state-wide preference for driving alone to work and you have a chaotic situation during peak hours.

In between all the stress of driving, Virginia does offer some picturesque vistas to enjoy on the road as it’s a beautiful state.

Minimum Car Insurance Requirement in Virginia

If you buy the minimum insurance coverage as mandated by the state laws, you wouldn’t be exposed to the financial risk in case you’re involved in an accident.

Unlike most of the states, you can drive in Virginia without car insurance coverage by paying an uninsured motor vehicle fee of $500 which has to be paid every time you renew your car’s registration.

Before you start to rejoice over that fact, let us remind you that the uninsured fee would only protect you from being prosecuted in the event of an accident, you would still have to bear the damages out-of-pocket.

If you think you’ll never get involved in an accident, you can take that option, but it would be a gamble.

Auto owners who want to protect themselves from any future losses arising out of collisions or rear-ending do have to at least maintain the minimum car insurance requirement.

Type of CoverageMinimum Requirement
Bodily Injury Liability$25,000 per person/$50,000 per accident
Property Damage Liability$20,000
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The minimum coverage requirement for bodily injury liability pays for the cost of personal injury to the third-party (driver/passengers/pedestrians) if you’re the at-fault driver in an accident to the extent of $25,000 for one person and $50,000 overall.

The minimum property damage liability limit would cover any damages to the car/property of others up to $20,000.

Do note that liability insurance only covers third-party damages and any injury to you or your co-passengers isn’t covered.

That’s why auto owners are recommended to buy coverage that would protect their personal injuries and property damage.

What options for personal injury coverage do you have?

  • Medical Payments: Med Pay covers your bodily injury expenses from an accident irrespective of the fault and takes quicker for disbursement than a health insurance policy. It also follows the policyholder, so whether you’re driving or just riding in a car, you would be covered.
  • Personal Injury Protection (PIP): PIP also covers your medical expenses in an accident irrespective of fault, but it also reimburses you for lost wages until the time you’re unable to join back work because of injuries.

Both these are optional coverages and you can choose to have either for your medical expenses if you’re involved in an accident. We would recommend you to conduct a cost-benefit analysis and choose wisely from the two options.

Now, what happens if your car gets damaged because you have hit someone or something?

There are optional coverages that would pay for the expenses of property damage should you get involved in an accident or end up as a victim of a natural calamity.

  • Collision Coverage: When you collide with something, such as a car, tree, or any other object, your collision coverage would pay for the cost of any damages to your car.
  • Comprehensive Coverage: Your car might get damaged from situations outside your control, such as thunderstorms, fire, falling objects, vandalism or theft. Comprehensive insurance offers reimbursements for damages from these situations.

Apart from buying coverage to protect your personal damages, you should also think about buying the right amount of coverage for liability. Though the state mandates the minimum limits, it might not be enough to cover third-party expenses in a major accident.

Usually, you should aim to buy liability coverage of $500,000 (personal injury and property damage) at the minimum as medical expenses and legal costs can go through the roof.

Forms of Financial Responsibility in Virginia

If you want to drive legally in Virginia, you would have to meet the financial responsibility requirements of the state that ensures your ability to reimburse damages if you cause an accident.

  • To meet this requirement, you have the option to buy the minimum liability insurance coverage with limits of 25/50/20
  • You can also pay the uninsured motor vehicle fee of $500 but it doesn’t offer any insurance
  • Business vehicles can meet this requirement through self-insurance or surety bonds.

Premiums as a Percentage of Income in Virginia

Budgeting for every cost might not be your strong suit, but you may want to take a look at the proportion of income auto owners in Virginia are spending on auto insurance premiums sourced from the National Association of Insurance Commissioners.

Details201220132014
Disposable Income$43,685$42,474$43,904
Average Annual Premiums$781.38$809.40$836.14
Percentage of Income1.79%1.91%1.90%
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In 2014, the percentage of auto insurance premium to income was 1.90 percent which is much lower than the country-wide average.

Premiums as a percentage of income in Virginia

Comparing the proportion of income spent on auto premiums with the neighboring states of Virginia, we can see that it’s better off than all of them.

You can also calculate what proportion of your income is being spent on auto premiums.

CalculatorPro

Core Coverage Auto Premiums in Virginia

Types of CoverageAverage Annual Premiums
Liability$425.61
Collision$280.52
Comprehensive$136.54
Full Coverage$842.67
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On average, you can expect to pay $842 annually for full auto insurance coverage in Virginia.

Though premiums vary, sometimes drastically, depending on personal factors and policy limits, you can get an idea on how much you might have to pay for auto insurance.

Liability coverage is the basic that you must buy, if you choose to get insurance, for which the premium cost is only $425 compared to the national average of $538 per year.

Collision and comprehensive are optional coverages that you should buy if you want to protect your car from damages as a result of an accident.

Additional Liability Coverage in Virginia

Loss Ratio Table201520142013
Medical Payments67.12%69.13%76.96%
Uninsured/Underinsured Motorist Coverage74.89%72.95%69.58%
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Loss ratio signifies the ratio of claim settlements to premiums earned. If the loss ratio is 70 percent, it means an insurer has paid $70 in claims from total earned premiums of $100.

A very high loss ratio can mean that an insurer is making losses since an organization can’t survive if it’s paying out more in claims than its earning in premiums.

We have explained when you might need Medical Payments or PIP coverage, but you should also know about Uninsured/Underinsured Motorist Coverage (UM/UIM).

Not everyone buys car insurance, especially in Virginia where you can legally drive even if you aren’t insured, and you might get involved in an accident with a driver who isn’t adequately insured. Having UM/UIM coverage ensures that your damages would be reimbured by the insurer when you find yourself in such a situation.

As per data from the Insurance Information Institute, around 9.9 percent of the motorists in Virginia are uninsured which means that there’s some probability of an encounter with one of them.

If you want to get a quick overview of what the different types of auto insurance mean, you should watch this video.

Add-ons, Endorsements, and Riders in Virginia

We hope that you understand what type of coverage you need by now. Insurance companies also offer some add-ons and riders to auto policies which motorists can buy as per their requirement.

Some of those are mentioned below, you can take a look and decide for yourself.

Pay-as-you-drive or usage-based insurance isn’t a type of coverage but a rewards program that can help you in getting discounts on auto premiums.

In a usage-based insurance program, you just have to install a telematics device in your car that would track your driving behavior, such as accelaration, braking, mileage, etc., to assess whether you’re a safe driver. Once you complete a specified time in the program, your discounts, if eligible, would be applied to your premiums.

Male vs Female Auto Insurance Premiums in Virginia

Insurance ProvidersSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old male
Allstate P&C$6,396.46$7,347.87$2,657.43$2,658.75$2,042.71$1,927.39$2,031.96$2,031.96
GEICO General$3,138.15$4,204.21$1,714.05$1,694.63$1,474.02$1,470.60$1,398.20$1,398.20
Nationwide P&C$3,416.59$4,404.98$1,582.01$1,722.41$1,434.40$1,443.10$1,272.72$1,307.89
Progressive Advanced$5,745.36$6,458.02$1,518.75$1,551.92$1,253.97$1,191.17$1,132.78$1,136.43
State Farm Mutual Auto$4,201.32$5,274.60$1,572.89$1,810.26$1,391.16$1,391.16$1,254.98$1,254.98
USAA$3,443.74$4,098.09$1,436.42$1,578.62$1,116.18$1,099.39$1,043.95$1,050.74
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Among the many factors that impact your car insurance rates, your gender is one of them. Especially when you’re younger, rates vary drastically for men and women.

Because younger men (usually below 25) are considered riskier drivers than females of their age. There have been studies that proved the claim.

In Virginia, almost all the insurers charge at least $1,000 extra from single 17-year-old males than their female counterparts. The premium rates between men and women are quite similar after they turn 25.

Once you get older, other factors take precedence for rate calculations rather than gender.

You can see how these carriers rank as per the demographics.

Insurance ProvidersDemographicAverage Annual RateRank
Allstate P&CSingle 17-year old male$7,347.871
Progressive AdvancedSingle 17-year old male$6,458.022
Allstate P&CSingle 17-year old female$6,396.463
Progressive AdvancedSingle 17-year old female$5,745.364
State Farm Mutual AutoSingle 17-year old male$5,274.605
Nationwide P&CSingle 17-year old male$4,404.986
GEICO GeneralSingle 17-year old male$4,204.217
State Farm Mutual AutoSingle 17-year old female$4,201.328
USAASingle 17-year old male$4,098.099
USAASingle 17-year old female$3,443.7410
Nationwide P&CSingle 17-year old female$3,416.5911
GEICO GeneralSingle 17-year old female$3,138.1512
Allstate P&CSingle 25-year old male$2,658.7513
Allstate P&CSingle 25-year old female$2,657.4314
Allstate P&CMarried 35-year old female$2,042.7115
Allstate P&CMarried 60-year old female$2,031.9616
Allstate P&CMarried 60-year old male$2,031.9616
Allstate P&CMarried 35-year old male$1,927.3918
State Farm Mutual AutoSingle 25-year old male$1,810.2619
Nationwide P&CSingle 25-year old male$1,722.4120
GEICO GeneralSingle 25-year old female$1,714.0521
GEICO GeneralSingle 25-year old male$1,694.6322
Nationwide P&CSingle 25-year old female$1,582.0123
USAASingle 25-year old male$1,578.6224
State Farm Mutual AutoSingle 25-year old female$1,572.8925
Progressive AdvancedSingle 25-year old male$1,551.9226
Progressive AdvancedSingle 25-year old female$1,518.7527
GEICO GeneralMarried 35-year old female$1,474.0228
GEICO GeneralMarried 35-year old male$1,470.6029
Nationwide P&CMarried 35-year old male$1,443.1030
USAASingle 25-year old female$1,436.4231
Nationwide P&CMarried 35-year old female$1,434.4032
GEICO GeneralMarried 60-year old female$1,398.2033
GEICO GeneralMarried 60-year old male$1,398.2033
State Farm Mutual AutoMarried 35-year old female$1,391.1635
State Farm Mutual AutoMarried 35-year old male$1,391.1635
Nationwide P&CMarried 60-year old male$1,307.8937
Nationwide P&CMarried 60-year old female$1,272.7238
State Farm Mutual AutoMarried 60-year old female$1,254.9839
State Farm Mutual AutoMarried 60-year old male$1,254.9839
Progressive AdvancedMarried 35-year old female$1,253.9741
Progressive AdvancedMarried 35-year old male$1,191.1742
Progressive AdvancedMarried 60-year old male$1,136.4343
Progressive AdvancedMarried 60-year old female$1,132.7844
USAAMarried 35-year old female$1,116.1845
USAAMarried 35-year old male$1,099.3946
USAAMarried 60-year old male$1,050.7447
USAAMarried 60-year old female$1,043.9548
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Auto Insurance Rates in the Largest Cities of Virginia

In case, you want to see the rates in the ten largest cities of Virginia by population, you can search for the cities in the table below.

ZipcodeAverage Annual PremiumsCompared to Average (+/-)City
23457$2,508.60$150.73VIRGINIA BEACH
23462$2,498.53$140.66VIRGINIA BEACH
23453$2,497.09$139.22VIRGINIA BEACH
23461$2,493.73$135.86VIRGINIA BEACH
23452$2,484.37$126.50VIRGINIA BEACH
23460$2,483.55$125.68VIRGINIA BEACH
23454$2,480.12$122.25VIRGINIA BEACH
23451$2,474.70$116.83VIRGINIA BEACH
23455$2,469.73$111.86VIRGINIA BEACH
23459$2,465.77$107.90VIRGINIA BEACH
23456$2,464.43$106.56VIRGINIA BEACH
23464$2,462.47$104.60VIRGINIA BEACH
23511$2,738.46$380.59NORFOLK
23503$2,721.78$363.91NORFOLK
23504$2,682.48$324.61NORFOLK
23513$2,681.14$323.27NORFOLK
23505$2,668.69$310.82NORFOLK
23509$2,655.89$298.02NORFOLK
23521$2,646.29$288.42NORFOLK
23519$2,646.01$288.14NORFOLK
23508$2,616.39$258.52NORFOLK
23518$2,614.50$256.63NORFOLK
23502$2,612.83$254.96NORFOLK
23520$2,603.70$245.83NORFOLK
23517$2,546.33$188.46NORFOLK
23523$2,544.25$186.38NORFOLK
23529$2,534.46$176.59NORFOLK
23510$2,527.41$169.54NORFOLK
23507$2,509.30$151.43NORFOLK
23324$2,488.06$130.19CHESAPEAKE
23322$2,460.97$103.10CHESAPEAKE
23323$2,451.91$94.04CHESAPEAKE
23320$2,418.40$60.53CHESAPEAKE
23325$2,417.45$59.58CHESAPEAKE
23321$2,416.54$58.67CHESAPEAKE
23222$2,800.69$442.82RICHMOND
23223$2,748.67$390.80RICHMOND
23224$2,747.42$389.55RICHMOND
23219$2,715.66$357.79RICHMOND
23298$2,681.13$323.26RICHMOND
23220$2,651.47$293.60RICHMOND
23232$2,622.33$264.46RICHMOND
23234$2,548.74$190.87RICHMOND
23227$2,522.53$164.66RICHMOND
23225$2,520.17$162.30RICHMOND
23237$2,480.67$122.80RICHMOND
23226$2,469.68$111.81RICHMOND
23235$2,460.44$102.57RICHMOND
23221$2,443.59$85.72RICHMOND
23250$2,442.82$84.95RICHMOND
23230$2,437.36$79.49RICHMOND
23236$2,420.09$62.22RICHMOND
22204$2,741.36$383.49ARLINGTON
22214$2,690.79$332.92ARLINGTON
22206$2,579.56$221.69ARLINGTON
22207$2,559.44$201.57ARLINGTON
22213$2,536.66$178.79ARLINGTON
22205$2,501.30$143.43ARLINGTON
22202$2,485.66$127.79ARLINGTON
22203$2,451.37$93.50ARLINGTON
22201$2,415.70$57.83ARLINGTON
22209$2,414.85$56.98ARLINGTON
23605$2,442.04$84.17NEWPORT NEWS
23607$2,423.59$65.72NEWPORT NEWS
23608$2,394.51$36.64NEWPORT NEWS
23603$2,392.66$34.79NEWPORT NEWS
23602$2,385.17$27.30NEWPORT NEWS
23601$2,381.76$23.89NEWPORT NEWS
23606$2,355.07($2.80)NEWPORT NEWS
22312$2,871.02$513.15ALEXANDRIA
22311$2,838.19$480.32ALEXANDRIA
22309$2,806.21$448.34ALEXANDRIA
22306$2,788.84$430.97ALEXANDRIA
22304$2,762.26$404.39ALEXANDRIA
22310$2,751.14$393.27ALEXANDRIA
22303$2,730.54$372.67ALEXANDRIA
22315$2,727.73$369.86ALEXANDRIA
22308$2,695.92$338.05ALEXANDRIA
22307$2,677.33$319.46ALEXANDRIA
22302$2,660.55$302.68ALEXANDRIA
22331$2,648.26$290.39ALEXANDRIA
22332$2,648.26$290.39ALEXANDRIA
22305$2,628.61$270.74ALEXANDRIA
22301$2,612.14$254.27ALEXANDRIA
22314$2,602.19$244.32ALEXANDRIA
23668$2,507.90$150.03HAMPTON
23664$2,493.51$135.64HAMPTON
23661$2,489.51$131.64HAMPTON
23663$2,475.69$117.82HAMPTON
23666$2,471.04$113.17HAMPTON
23669$2,454.57$96.70HAMPTON
23665$2,391.08$33.21HAMPTON
24018$2,214.12($143.75)ROANOKE
24015$2,203.95($153.92)ROANOKE
24016$2,193.59($164.28)ROANOKE
24011$2,190.54($167.33)ROANOKE
24017$2,187.58($170.29)ROANOKE
24013$2,187.18($170.69)ROANOKE
24012$2,171.21($186.66)ROANOKE
24019$2,158.24($199.63)ROANOKE
24014$2,128.82($229.05)ROANOKE
23704$2,618.86$260.99PORTSMOUTH
23702$2,597.42$239.55PORTSMOUTH
23709$2,590.43$232.56PORTSMOUTH
23708$2,584.89$227.02PORTSMOUTH
23707$2,524.60$166.73PORTSMOUTH
23701$2,509.75$151.88PORTSMOUTH
23703$2,456.87$99.00PORTSMOUTH
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The state-wide average annual premium is $2,357. Except for Roanoke, the auto premium in all the other largest cities is higher than the average.

Amongst those cities, Alexandria, Richmond, and Norfolk have the highest rates, though some zip codes in the other cities do have pretty high rates.

Auto Insurance Rates by Zip Code in Virginia

If you don’t live in one of the most populated cities of Virginia, you can search for your zip code in the tables below which show auto premiums from most expensive to least expensive areas and also the rates offered by different insurance providers.

Cheapest ZIP Codes in VirginiaCityAverage by ZIP CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
24450LEXINGTON$2,018.13Allstate$3,002.04Progressive$2,054.03USAA$1,638.89Nationwide$1,646.95
22802HARRISONBURG$2,031.22Allstate$3,017.99Progressive$1,930.39USAA$1,624.96State Farm$1,805.27
24401STAUNTON$2,033.51Allstate$3,046.63GEICO$1,921.33USAA$1,639.53Nationwide$1,845.67
22815BROADWAY$2,034.01Allstate$3,017.99Progressive$2,048.27USAA$1,624.96State Farm$1,704.15
24060BLACKSBURG$2,035.11Allstate$3,021.92Progressive$2,161.26USAA$1,568.22GEICO$1,665.52
22840MC GAHEYSVILLE$2,036.30Allstate$2,998.27Progressive$1,964.11USAA$1,624.96State Farm$1,821.75
22834LINVILLE$2,037.09Allstate$3,017.99Progressive$2,103.54USAA$1,624.96State Farm$1,667.35
22853TIMBERVILLE$2,038.95Allstate$3,017.99Progressive$2,131.25USAA$1,624.96State Farm$1,650.81
24416BUENA VISTA$2,039.40Allstate$3,002.04Progressive$2,080.60USAA$1,638.89Nationwide$1,646.95
22833LACEY SPRING$2,041.03Allstate$2,998.27Progressive$2,007.60USAA$1,624.96State Farm$1,806.66
24073CHRISTIANSBURG$2,042.79Allstate$3,021.92State Farm$2,045.19GEICO$1,665.52USAA$1,681.92
22812BRIDGEWATER$2,043.31Allstate$3,046.63Progressive$1,993.75USAA$1,624.96State Farm$1,785.82
22801HARRISONBURG$2,044.17Allstate$3,046.63Progressive$1,953.86USAA$1,624.96State Farm$1,830.88
22939FISHERSVILLE$2,044.69Allstate$3,046.63Progressive$2,027.19USAA$1,623.59State Farm$1,803.71
24471PORT REPUBLIC$2,046.56Allstate$3,046.63Progressive$1,992.42USAA$1,624.96State Farm$1,806.66
22821DAYTON$2,046.69Allstate$3,046.63Progressive$1,993.64USAA$1,624.96State Farm$1,806.25
22841MOUNT CRAWFORD$2,048.17Allstate$3,046.63Progressive$1,957.50USAA$1,624.96State Farm$1,851.24
22830FULKS RUN$2,048.95Allstate$3,017.99Progressive$2,081.09USAA$1,624.96State Farm$1,760.97
22848PLEASANT VALLEY$2,049.22Allstate$3,017.99Progressive$2,037.02USAA$1,624.96State Farm$1,806.66
22803HARRISONBURG$2,050.19Allstate$3,017.99Progressive$2,029.09USAA$1,638.73State Farm$1,806.66
24141RADFORD$2,050.57Allstate$3,071.64Progressive$2,108.49GEICO$1,665.52USAA$1,681.92
22811BERGTON$2,050.97Allstate$3,017.99Progressive$2,086.55USAA$1,624.96State Farm$1,767.64
24435FAIRFIELD$2,053.78Allstate$3,002.04Progressive$2,250.94USAA$1,638.89Nationwide$1,646.95
24486WEYERS CAVE$2,055.76Allstate$3,046.63Progressive$2,023.71USAA$1,639.53Nationwide$1,845.67
22824EDINBURG$2,056.80Allstate$3,017.99Progressive$1,984.59USAA$1,629.62State Farm$1,826.20
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Zip code 24450 in Lexington has the cheapest car insurance rates.

Most Expensive ZIP Codes in VirginiaCityAverage by ZIP CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
22312ALEXANDRIA$2,871.02Allstate$4,305.77Progressive$2,992.08USAA$2,205.48GEICO$2,352.28
22041FALLS CHURCH$2,857.11Allstate$4,305.77State Farm$3,156.56GEICO$2,141.17USAA$2,206.52
22151SPRINGFIELD$2,855.79Allstate$4,388.84Progressive$2,953.33USAA$2,169.90GEICO$2,352.28
22311ALEXANDRIA$2,838.20Allstate$4,184.46State Farm$3,141.18GEICO$2,141.17USAA$2,206.52
22003ANNANDALE$2,834.25Allstate$4,397.33Progressive$2,945.54GEICO$2,141.17USAA$2,178.61
22150SPRINGFIELD$2,816.60Allstate$4,305.77Progressive$2,910.33USAA$2,055.48GEICO$2,351.37
22309ALEXANDRIA$2,806.21Allstate$4,184.46State Farm$2,940.41USAA$2,251.53GEICO$2,351.37
23222RICHMOND$2,800.69Allstate$3,544.83State Farm$3,154.85USAA$2,137.93Nationwide$2,628.11
22153SPRINGFIELD$2,797.16Allstate$4,231.92State Farm$2,879.87USAA$2,060.19GEICO$2,351.37
22060FORT BELVOIR$2,794.01Allstate$4,184.46State Farm$2,917.93USAA$2,057.33GEICO$2,351.37
22306ALEXANDRIA$2,788.85Allstate$4,184.46Progressive$2,840.81USAA$2,131.22GEICO$2,351.37
22079LORTON$2,786.19Allstate$4,348.02State Farm$2,857.77USAA$2,121.40GEICO$2,351.37
22044FALLS CHURCH$2,777.26Allstate$4,077.51State Farm$2,967.14GEICO$2,141.17USAA$2,208.46
22081MERRIFIELD$2,776.35Allstate$4,348.02Progressive$2,975.48GEICO$2,017.21USAA$2,121.40
22015BURKE$2,773.79Allstate$4,220.49Progressive$2,890.07GEICO$2,141.17USAA$2,159.44
22103WEST MCLEAN$2,771.74Allstate$4,110.52Progressive$2,848.04USAA$2,170.66GEICO$2,403.36
22304ALEXANDRIA$2,762.26Allstate$4,184.46State Farm$2,835.49USAA$2,155.94GEICO$2,352.28
22152SPRINGFIELD$2,751.29Allstate$4,220.49Progressive$2,867.72GEICO$2,141.17USAA$2,145.81
22310ALEXANDRIA$2,751.15Allstate$4,184.46Progressive$2,860.28USAA$2,083.13GEICO$2,175.74
23223RICHMOND$2,748.67Allstate$3,590.82State Farm$3,024.32USAA$2,150.45GEICO$2,450.18
23224RICHMOND$2,747.43Allstate$3,411.84State Farm$2,883.68USAA$2,103.14Nationwide$2,628.11
22039FAIRFAX STATION$2,744.30Allstate$4,023.95State Farm$2,931.58GEICO$2,098.38USAA$2,114.40
22191WOODBRIDGE$2,741.58Allstate$4,042.10State Farm$2,784.49USAA$2,135.48Nationwide$2,235.10
22204ARLINGTON$2,741.36Allstate$4,184.46State Farm$2,721.45USAA$2,138.14GEICO$2,352.28
22026DUMFRIES$2,739.74Allstate$3,998.75Progressive$2,915.52USAA$2,098.46Nationwide$2,235.10
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Auto Insurance Rates by City in Virginia

In case you want to understand how much rates vary from the average premium of $2,357, you can do the comparisons from the tables below.

For newcomers to Virginia, this can be an important consideration before buying or renting a house in a specific city or zip code.

Cheapest Cities in VirginiaAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
East Lexington$2,018.13Allstate$3,002.04Progressive$2,054.03USAA$1,638.89Nationwide$1,646.95
Broadway$2,034.01Allstate$3,017.99Progressive$2,048.27USAA$1,624.96State Farm$1,704.15
Blacksburg$2,035.11Allstate$3,021.92Progressive$2,161.26USAA$1,568.22GEICO$1,665.52
Massanutten$2,036.30Allstate$2,998.27Progressive$1,964.11USAA$1,624.96State Farm$1,821.75
Linville$2,037.09Allstate$3,017.99Progressive$2,103.54USAA$1,624.96State Farm$1,667.35
Timberville$2,038.95Allstate$3,017.99Progressive$2,131.25USAA$1,624.96State Farm$1,650.81
Fishersville$2,039.10Allstate$3,046.63Progressive$1,949.82USAA$1,631.56State Farm$1,839.59
Buena Vista$2,039.40Allstate$3,002.04Progressive$2,080.60USAA$1,638.89Nationwide$1,646.95
Lacey Spring$2,041.03Allstate$2,998.27Progressive$2,007.60USAA$1,624.96State Farm$1,806.66
Christiansburg$2,042.79Allstate$3,021.92State Farm$2,045.19GEICO$1,665.52USAA$1,681.92
Bridgewater$2,043.31Allstate$3,046.63Progressive$1,993.75USAA$1,624.96State Farm$1,785.82
Port Republic$2,046.56Allstate$3,046.63Progressive$1,992.42USAA$1,624.96State Farm$1,806.66
Dayton$2,046.69Allstate$3,046.63Progressive$1,993.64USAA$1,624.96State Farm$1,806.25
Mount Crawford$2,048.17Allstate$3,046.63Progressive$1,957.50USAA$1,624.96State Farm$1,851.24
Fulks Run$2,048.95Allstate$3,017.99Progressive$2,081.09USAA$1,624.96State Farm$1,760.97
Pleasant Valley$2,049.22Allstate$3,017.99Progressive$2,037.02USAA$1,624.96State Farm$1,806.66
Belview$2,050.57Allstate$3,071.64Progressive$2,108.49GEICO$1,665.52USAA$1,681.92
Bergton$2,050.97Allstate$3,017.99Progressive$2,086.55USAA$1,624.96State Farm$1,767.64
Harrisonburg$2,053.51Allstate$3,078.46Progressive$1,989.72USAA$1,631.85State Farm$1,812.37
Fairfield$2,053.78Allstate$3,002.04Progressive$2,250.94USAA$1,638.89Nationwide$1,646.95
Weyers Cave$2,055.76Allstate$3,046.63Progressive$2,023.71USAA$1,639.53Nationwide$1,845.67
Edinburg$2,056.80Allstate$3,017.99Progressive$1,984.59USAA$1,629.62State Farm$1,826.20
Mount Sidney$2,057.62Allstate$3,046.63Progressive$2,040.34USAA$1,639.53Nationwide$1,845.67
Woodstock$2,057.97Allstate$3,017.99Progressive$2,008.08USAA$1,629.62State Farm$1,809.79
Stuarts Draft$2,058.53Allstate$2,998.27Progressive$2,130.48USAA$1,623.59State Farm$1,831.82
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East Lexington and Broadway have the cheapest rates for car insurance, while Bailey’s Crossroads and Kings Park have the most expensive rates.

Most Expensive Cities in VirginiaAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Bailey's Crossroads$2,857.10Allstate$4,305.77State Farm$3,156.56GEICO$2,141.17USAA$2,206.52
Kings Park$2,855.78Allstate$4,388.84Progressive$2,953.33USAA$2,169.90GEICO$2,352.28
Springfield$2,816.60Allstate$4,305.77Progressive$2,910.33USAA$2,055.48GEICO$2,351.37
Mount Vernon$2,806.21Allstate$4,184.46State Farm$2,940.41USAA$2,251.53GEICO$2,351.37
Fort Belvoir$2,794.01Allstate$4,184.46State Farm$2,917.93USAA$2,057.33GEICO$2,351.37
Annandale$2,778.14Allstate$4,274.61Progressive$2,842.69GEICO$2,141.17USAA$2,187.52
Merrifield$2,776.35Allstate$4,348.02Progressive$2,975.48GEICO$2,017.21USAA$2,121.40
East Highland Park$2,774.68Allstate$3,567.82State Farm$3,089.59USAA$2,144.19GEICO$2,550.75
Burke$2,774.08Allstate$4,224.30Progressive$2,867.75USAA$2,121.81GEICO$2,211.23
West Mclean$2,771.74Allstate$4,110.52Progressive$2,848.04USAA$2,170.66GEICO$2,403.36
Crosspointe$2,765.25Allstate$4,185.98State Farm$2,894.67USAA$2,117.90GEICO$2,224.88
Cherry Hill$2,740.66Allstate$4,020.42Progressive$2,847.16USAA$2,116.97Nationwide$2,235.10
Franconia$2,739.44Allstate$4,184.46Progressive$2,824.75USAA$2,079.92GEICO$2,175.74
Fleet$2,738.46Allstate$3,615.05Progressive$3,106.78Nationwide$2,203.40USAA$2,357.54
Dumfries$2,733.77Allstate$3,998.75Progressive$2,827.43USAA$2,162.78Nationwide$2,235.10
Dale City$2,730.84Allstate$4,082.65State Farm$2,867.49USAA$2,121.54Nationwide$2,235.10
Huntington$2,730.54Allstate$4,184.46State Farm$2,786.50USAA$2,109.02GEICO$2,175.74
Triangle$2,705.49Allstate$4,092.12State Farm$2,704.39USAA$2,137.00Nationwide$2,235.10
Alexandria$2,696.83Allstate$4,218.44State Farm$2,683.58GEICO$2,097.78USAA$2,132.32
Fort Hunt$2,695.93Allstate$4,184.46State Farm$2,731.27GEICO$2,005.71USAA$2,243.43
County Center$2,689.81Allstate$4,042.10State Farm$2,635.19USAA$2,162.77Nationwide$2,235.10
Fairfax$2,689.31Allstate$4,095.59Progressive$2,883.13USAA$2,061.59GEICO$2,141.54
Great Falls$2,686.17Allstate$4,061.45Progressive$2,571.77USAA$2,188.17Nationwide$2,327.14
Fair Lakes$2,680.83Allstate$4,079.29Progressive$2,709.26GEICO$2,098.38USAA$2,107.08
Greenway$2,677.88Allstate$4,061.45State Farm$2,570.86GEICO$2,167.21USAA$2,170.66
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Best Car Insurance Companies in Virginia

Researching about car insurance companies is as important as the coverage you’re required to buy for driving.

Because not every insurer offers you the ease of digital interaction, usage-based insurance program, or prompt response on the first notice of loss.

Most consumers expect their auto insurer to settle their accident claims as soon as possible and that’s the only criteria, apart from the premium rates, they look at before buying a policy.

But, there are some fundamental characteristics of any insurance company that you must review before signing the policy documents.

Financial Ratings of the Leading Auto Insurers in Virginia

Financial ratings help us to assess the long-term financial strength of an insurer or the ability to meet its contractual obligations in the future.

If an insurer isn’t financially stable, it might not be able to settle your claims when there’s a need.

The best way to know whether an auto insurer is stable is to check its financial strength ratings from the leading credit rating agencies, such as A.M. Best, Fitch, Kroll Bond Rating Agency (KBRA), Moody’s and Standard & Poor’s.

Each one of these agencies has its own rating standard and principles for assigning a rating, therefore you should check ratings from a couple of these.

For the sake of your convenience, we have collated the A.M. Best ratings, which has a unique focus on the insurance sector, of the leading car insurers in Virginia.

Leading Insurance ProvidersA.M. Best Ratings
GeicoA++
State Farm GroupA++
USAA GroupA++
Allstate Insurance GroupA+
Progressive GroupA+
Nationwide Corp GroupA+
Erie Insurance GroupA+
Liberty Mutual GroupA
Travelers GroupA++
Virginia Farm Bureau GroupA-
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The financial rating guide of A.M. Best uses a scale to assign ratings symbolically ranging from A++ to D with the financial confidence decreasing as you move down the alphabets.

Consumer Reviews of Auto Insurers in Virginia

These days consumers rarely buy anything without checking online reviews or consulting with their friends & colleagues.

When it comes to auto insurance, you definitely need authentic information about the service standards of an insurer before committing to a policy.

To help you make a decision faster, J.D. Power, a leading marketing information services company, conducts annual surveys to assess the satisfaction level of auto insurance consumers. These consumers are asked to rate insurers on five factors: interaction; policy offerings; price; billing process and policy information; and claims.

The J.D. Power 2019 U.S. Auto Insurance Study found that satisfaction levels amongst customers are at an all-time high nowadays because of the convenience with which they can transact digitally bypassing the agent.

J.D. Power 2019 Customer Satisfaction Study Mid Atlantic Region

Erie insurance, followed by Geico and the Hartford, received the highest ratings from consumers on a 1,000-point scale.

Fortunately, Geico and Erie are among the leading insurance groups in Virginia with the highest market shares and a financially stable outlook.

Complaint Numbers of Leading Car Insurers in Virginia

Taking a look at the complaint data can give you an idea about what concerns consumers have with a particular insurance company. Also, a high number of complaints signifies unsatisfied customers.

Leading Insurance ProvidersComplaint Numbers
Geico333
State Farm Group1482
USAA Group296
Allstate Insurance Group163
Progressive Group120
Nationwide Corp Group25
Erie Insurance Group22
Liberty Mutual Group222
Travelers Group2
Virginia Farm Bureau Group1
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If you want more details of the complaints or wish to check data for some other insurer, the data is provided in the Consumer Insurance Search section on the website of the National Association of Insurance Commissioners.

Auto Premiums by Insurance Carriers in Virginia

Insurance ProvidersAverage Annual PremiumsCompared to State Average (+/-)Percentage Change (+/-)
Allstate P&C$3,386.82$1,028.9530.38%
GEICO General$2,061.51-$296.36-14.38%
Nationwide P&C$2,073.01-$284.86-13.74%
Progressive Advanced$2,498.55$140.685.63%
State Farm Mutual Auto$2,268.92-$88.94-3.92%
USAA$1,858.39-$499.47-26.88%
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Amongst the leading auto insurance providers in Virginia, USAA, Geico, and Nationwide offer the best rates. Only those who are members of the military and their families can get coverage from USAA which is the cheapest in the state.

Auto Premiums Comparison by Average in Virginia

Compared to the state average premium of $2,357, Allstate offers quite an expensive option, while Progressive and State Farm are closer to the average.

Auto Insurance Premiums by Commute Rate in Virginia

Insurance Providers10 miles commute/ 6000 annual mileage25 miles commute/ 12000 annual mileage
Allstate$3,283.86$3,489.78
GEICO$2,022.99$2,100.03
Nationwide$2,073.01$2,073.01
Progressive$2,498.55$2,498.55
State Farm$2,213.23$2,324.61
USAA$1,789.83$1,926.95
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Why are we showing rates for different daily or annual commutes?

Your mileage is taken into consideration while calculating rates, as the more you drive, the more susceptible you are to dangers on the road.

Apart from Nationwide and Progressive, all the other providers in the table are offering a different rate for lower mileage.

Auto Insurance Rates by Coverage Level in Virginia

Insurance ProvidersLowMediumHigh
Allstate$3,285.84$3,387.52$3,487.10
GEICO$1,982.21$2,059.38$2,142.93
Nationwide$2,173.17$2,052.92$1,992.94
Progressive$2,389.08$2,470.69$2,635.87
State Farm$2,135.49$2,265.45$2,405.83
USAA$1,783.22$1,861.89$1,930.06
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The policy limits you choose have an impact on your rates, lower coverage would cost you the least.

Though it might seem like an easier choice now, having a low coverage can expose you to a much larger financial burden later if the damages from an accident exceed your policy limits.

Auto Insurance Rates by Credit History in Virginia

Insurance ProvidersPoorFairGood
Allstate$4,125.00$3,306.90$2,728.56
GEICO$2,290.34$1,947.09$1,947.09
Nationwide$2,455.42$1,972.48$1,791.14
Progressive$2,786.51$2,435.06$2,274.08
State Farm$3,226.59$2,000.23$1,579.95
USAA$2,484.29$1,693.24$1,397.64
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Your credit score, if not perfect, can haunt you while buying auto insurance. Sometimes your credit score can have more impact on your rates, than any other factor.

As per Consumer Reports, you could be charged around $1,513 more over the base rate if you have a poor credit score in Virginia. Motorists with an excellent credit score but a DWI have to pay only $985 more than the base rate.

In the comparison table of auto insurance rates, you can see that all insurers charge more from motorists with a poor credit history.

Geico can be a sensible choice for those with a poor and fair credit history as their rates aren’t as high as other providers.

In Virginia, the average vantage score as per the State of Credit survey was 680, better than the national average of 675 in 2017.

Vantage score, which is a consumer credit scoring model, assigns a score between 300 and 850 to individuals and anything above 700 is considered good.

Auto Insurance Rates by Driving Record in Virginia

Insurance ProvidersClean recordWith 1 accidentWith 1 DUIWith 1 speeding violation
Allstate$2,532.44$4,044.27$3,705.98$3,264.59
GEICO$1,565.25$2,032.40$3,083.13$1,565.25
Nationwide$1,802.52$1,802.52$2,641.55$2,045.46
Progressive$2,134.65$2,827.50$2,547.17$2,484.88
State Farm$2,071.20$2,466.65$2,268.92$2,268.92
USAA$1,439.41$1,869.24$2,468.83$1,656.09
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The extent of the increase in your premium rates depends on what kind of record you have. Usually, accidents and DUI records lead to a much higher increase than speeding violations.

Some insurers, such as Geico, Nationwide, and USAA charge the highest rates from motorists with a DUI record in Virginia.

If you have a record, State Farm and USAA could be considered for auto insurance as their rates are significantly lower than others.

If you want a rundown of what all affects your premium rates, you can watch this video.

Leading Car Insurance Companies in Virginia

Leading Car Insurance ProvidersDirect Written PremiumsLoss RatioMarket Share
GEICO$979,95071.20%18.04%
State Farm Group$923,98966.23%17.01%
USAA Group$717,32574.59%13.21%
Allstate Insurance Group$523,32554.37%9.64%
Progressive Group$492,05264.82%9.06%
Nationwide Corp Group$426,05259.34%7.85%
Erie Insurance Group$205,96469.19%3.79%
Liberty Mutual Group$154,40555.65%2.84%
Travelers Group$120,56560.00%2.22%
Virginia Farm Bureau Group$115,61259.08%2.13%
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Number of Car Insurers in Virginia

Type of InsurerNumber
Foreign (Out-of-state)908
Domestic (In-state)19
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State Laws in Virginia

Traffic violations can get you in trouble with the law enforcement which goes into your record and is used by insurance companies to assess your risk factors.

More often than not, a violation record leads to an increase in your premium rates because the probability of you filing a claim rises.

We understand it’s difficult to keep up with the regularly changing state laws related to driving, licensing, and car insurance. That’s why we are devoting a section to refresh your knowledge of state laws.

Car Insurance Laws in Virginia

Apart from traffic laws, it would help to know about some other regulations and laws as a motorist. Many times auto owners miss out on important coverage information because of ignorance.

Let’s look at some of the laws that might be useful to you.

How State Laws for Insurance are Determined

Everything from your rates to tort laws to minimum coverage requirements is influenced by state laws. What you pay in premiums goes through a long process of approval and discussion.

Every state is required to follow a regulation mechanism to implement new rates and the options include – determined by Commissioner; prior approval; modified prior approval; flex rating; file and use; use and file; and no file.

When it comes to tort laws, Virginia follows the at-fault system for determining liability in an accident. This means that if you’re the at-fault driver in an accident, you would be required to pay the damages sustained by the third-party.

Financial responsibility laws that require motorists to buy minimum liability coverage, such as the limit of 25/50/25 in Virginia, are also determined by the state laws.

Windshield Coverage Laws in Virginia

Virginia doesn’t have any specific insurance coverage laws with respect to windshields but it does specify rules related to cracks/chips on windshields.

  • Scratches on windshields that are larger than six inches by ¼ inch are not allowed.
  • Cracks or chips bigger than 1.5 inches in diameter on the windshield might be dangerous for driving, so aren’t permitted
  • Obstructions that limit the driver’s view while driving isn’t permitted

High-Risk Auto Insurance in Virginia

What happens with motorists who consistently accumulate points on their driving record? Initially, insurance providers raise their rates, but at times it gets riskier to insure such motorists.

When a motorist becomes high-risk, they can be denied coverage by insurance providers.

High-risk drivers in Virginia can knock the doors of Virginia Automobile Insurance Plan to get coverage if they are denied insurance by more than two providers in a period of 60 days, albeit at a much higher rate.

What is the Virginia Automobile Insurance Plan?

The Virginia Automobile Insurance Plan (VAIP) was established by the State Corporation Commission in 1945 to provide coverage to those motorists who are unable to obtain insurance in the voluntary market.

In this plan, high-risk drivers are distributed equitably among insurers who are licensed to write insurance in the market of Virginia in proportion to their market share. This practice enables a fair risk-sharing between all insurance providers.

Who are eligible to apply to the program?

A motorist who has been denied coverage is eligible to apply to VAIP provided he/she has a valid Virginia driver’s license and a vehicle registered in the state.

If you want more information about the program, you can write to vaip@aipso.com or connect with a local insurance agent.

Auto Insurance Fraud in Virginia

Fraudulent insurance claims (for all types of insurance) are estimated to be around $20 million per year. Any act to deceive the system by lying or concealing information with an intention to gain monetary benefits comes under the purview of insurance fraud.

As per a survey in 2017, almost 10 percent of the auto insurance consumers in America have provided incorrect information to obtain coverage.

Do remember something as small as providing an incorrect address on your application to get better rates is considered fraudulent activity.

To combat fraud, the Virginia State Police has implemented the Stamp Out Program for better awareness and fraud reporting.

How can you help?

If you come across anything that you’re suspicious about, you can submit a confidential tip to the Virginia Stae Police. Any tips that help the police in making arrests against insurance fraud are eligible for cash rewards of up to $25,000.

You also have the option to report any complaints through the fraud reporting system of NAIC.

Statute of Limitation in Virginia

To be fair to everyone, the state laws have stipulated a time limit for bringing a lawsuit against the at-fault party in the event of an accident.

In Virginia, motorists are allowed to file a lawsuit within two years of the accident for personal injury claims and five years for property damage claims.

For wrongful death, the family of the plaintiff is allowed to file a lawsuit within two years of the death (rather than the day of the accident).

Vehicle Licensing Laws in Virginia

Other than keeping adequate insurance coverage, you need to always keep your license updated and abide by any new regulations for licensing.

Real ID in Virginia

By now, you must be aware of the Real ID Act that requires every state to issue Real ID-compliant identification documents to facilitate better security measures for entering certain federal facilities and flying by commercial airlines.

But do you know that from October 2020, you wouldn’t be allowed to enter these restricted facilities or fly without a Real ID license or identification document?

The Department of Motor Vehicles (DMV) in Virginia has started issuing Real ID driver’s licenses for motorists and you can get detailed information in this video.

To obtain a Real ID license, you need to visit your local DMV office with the required documents which include:

  • Identity proof
  • Legal presence proof
  • Virginia residency proof (two)
  • Social security number proof
  • Current driver’s license

Penalties for Driving without Insurance in Virginia

The Virginia DMV liaisons with insurance providers to monitor car insurance coverage of motorists. In this arrangement, providers are required to electronically furnish details of insurance policy and vehicles whenever they add, write, or cancel a policy.

Since the process is electronic, the DMV is able to match the details of registered vehicles with insurance coverage. If there’s a mismatch, auto owners are requested to provide details of insurance coverage.

What happens when the DMV finds out that a vehicle is uninsured?

DMV would suspend any driver’s licenses, registration certification, and license plate associated with the uninsured vehicle. The suspension is revoked only when the auto owner complies with the following:

During these three years, insurance providers are required to notify the DMV if the vehicle owner cancels the insurance coverage.

Teen Driver Laws in Virginia

Teens have to go through a long process to get the freedom to drive by themselves, which usually includes a phase of restricted driving. This phase, known as the learner’s permit, equips them with the necessary road skills to be a safe driver.

Learner’s Permit: Teens can begin the process of getting a permit to drive when they’re at least 15 years and six months old. To get the learner’s permit, you’re required to pass the vision and knowledge test.

To understand the basic rules of the road as a first-time driver, do browse through the Virginia Driver’s Manual.

Since this is the first time you would practice driving, you’re required to follow certain restrictions:

  • You can drive only when accompanied by a licensed driver who’s at least 21 years old
  • Your accompanying driver can be 18 years old if he/she is your brother, sister, half-brother, half-sister, step-brother, step-sister, or legal guardian
  • If you’re at least 16 years and three months old and have held the learner’s permit for nine months, you’re allowed to drive alone. You must also hold a driver’s education certificate signed by a parent or legal guardian

Permanent Driver’s License: When you have held a learner’s permit for at least nine months and completed your driver’s education course, you can apply for a permanent license.

To obtain the license, your parent, foster parent or guardian must certify that you practiced 45 hours of driving including 15 hours of nighttime driving.

If you’re under 18 years old, certain restrictions still apply to you:

  • The law restricts driving between the hours of 12 a.m. to 4 a.m. unless when you’re driving for employment, school activity, emergency or when accompanied by a licensed spouse above the age of 18 or a parent
  • You are allowed to drive with only one person who’s younger than 21, except when your licensed parent or another adult is riding with you in the car. After holding the license for at least one year, you’re allowed to drive with three passengers under the age of 21 when traveling for a school activity or an emergency or when accompanied by a licensed adult driver above 21
  • Holders of learner’s permit can not carry more than one passenger below  the age of 18

Passenger restrictions are not applicable on family members of the driver.

License Renewal Procedure in Virginia

In Virginia, the driver’s license for motorists below the age of 75 is valid for eight years. For those who are 75 and above, the license is valid for five years.

How can you renew your license?

The Virginia DMV sends a mail for renewal of license before the expiration date and you can also opt for electronic renewal reminders.

This renewal notice clearly states whether you’re eligible for an online or mail renewal, otherwise, you would have to go to the customer service center.

You also have the option to renew your license in one of the DMV’s mobile office as well.

New Residents in Virginia

Moving to a new state is exciting, especially if it’s to Virginia which is for lovers. That sounds corny, but it’s the state’s official slogan and it truly is a wonderful place to be.

We know that with a new move comes a whole lot of paperwork. Here are a few things you need to ensure, related to your car and insurance coverage, after your move to Virginia.

  • You must obtain a vehicle inspection safety sticker to drive in Virginia
  • You have to get an emissions inspection certificate for your vehicle before registration if you’re living in the counties of Arlington, Fairfax, Loudoun, Prince William, or Stafford or in the cities of Alexandria, Fairfax, Falls Church, Manassas, or Manassas Park. Emissions certificate obtained in the last one year are also valid if you’re registering your vehicle for the first time
  • You have to meet the car insurance liability coverage requirement of 25/50/20 in Virginia
  • You must get the vehicle title in Virginia within 30 days of your move, after which you can register it and obtain license plates

Rules of the Road in Virginia

You must have read about the rules that you need to follow while driving when you first browsed through the DMV manual for a knowledge test. If you keep brushing up your knowledge once in a while, it keeps you more aware.

We wouldn’t bore you with a lot of details, just a few basic rules that help in day to day driving.

Also, there are some unwritten rules of the road such as looking out for the blind spots, do make sure that you educate first-time drivers about this.

Fault vs No-Fault Law in Virginia

Virginia follows the tort system for determining financial responsibility in the event of a car accident which requires the at-fault driver to pay for the injuries and damages sustained by the third-party.

The mandatory liability coverage protects you from the costs of damages and lawsuits if you hit someone on the road, and that’s why it’s recommended to at least get liability insurance.

Seat Belt and Car Seat Laws in Virginia

Seat belts can considerably reduce the risk of serious injury in an accident and the laws of Virginia require all front-seat passengers to wear a seat belt when the car is in motion.

In addition, the driver of any vehicle must ensure that passengers below the age of 18 are properly secured by a seat belt or a child safety seat. Children under the age of 8 should be secured in a booster or child safety seat.

Laws in Virginia recommend motorists to use a child restraint system that’s suitable for the age, height, and weight of your child.

You can follow the recommendations of the American Academy of Pediatrics (AAP) and the National Highway Traffic Safety Administration (NHTSA) for appropriate car seats which are:

  • Until the age of two, all children should be restrained in a rear-facing car seat and follow the instructions provided by the seat manufacturer
  • When the child reaches the maximum weight as per the seat manufacturer’s instructions or weighs a minimum of 20 pounds, you can use a forward-facing seat
  • To transition your child to a booster seat, make sure that your child doesn’t fit in the car seat anymore or exceeds the height and weight specifications of the car seat. Children should be restrained in a booster seat until the age of 8 or when they’re 4 feet 9 inches tall
  • Once the children are at least 8, you can restrain them using a seat belt provided it protects them comfortably

Penalties for violating the car seat law

If your child isn’t safely restrained in a car seat, you would be fined $50 for the first violation. Any subsequent violations can lead to a fine of $500.

Keep Right and Move Over Laws in Virginia

In July 2017, Virginia passed a law that prohibits motorists from driving on the left lane if they’re moving slower than the speed limit or staying on the left lane unless to use it for passing or taking a turn.

The fine for being fixated on the left lane is $100 and quite a few motorists were caught for violation in the first year of the law’s enforcement.

As much as keeping on the left lane is dangerous, passing a stationary emergency vehicle from its adjacent lane can prove fatal.

The move over law in Virginia requires motorists to change their lane by moving away from an emergency vehicle that’s parked on the side of a highway with flashing or blinking lights.

Speed Limits in Virginia

Although speed limits are posted on all roads, you have to follow the following limits if it’s not posted.

Type of RoadSpeed Limit
Highways55 mph
Route 600 or above (trucks)45 mph
Business and residential districts25 mph
Unpaved roads35 mph
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Ridesharing Laws in Virginia

In an effort to make ridesharing safe for drivers and passengers, every other state in America has implemented a separate ridesharing law or are currently discussing how to regulate the operation of Transport Network Companies (TNC) like Uber and Lyft.

Fortunately, Virginia signed a ridesharing law quite early in 2015 that mandates background checks for drivers and minimum insurance requirements. The law specifically intended to make sure that drivers are vetted stringently before being allowed to drive.

The new law also requires TNC vehicles to maintain a minimum liability insurance coverage of $1 million.

Automation on the Road in Virginia

Considering the mishaps witnessed during automated vehicle testing in America, lawmakers in most of the states are slightly skeptical about making policies that allow driverless cars on the road.

Virginia does allow testing of autonomous vehicles with a safety driver but still doesn’t have clear policies on automation. Nonetheless, it’s enthusiastic about the idea of driverless vehicles that would provide more safety to people in the future.

In 2015, Gov. McAuliffe announced the development of Virginia Automated Corridors that would offer the necessary infrastructure to test automated vehicles.

Local governments in Albemarle and Montogomery county have accelerated the growth of automated vehicle testing by offering assistance and support to manufacturers such as Perrone Robotics and Torc Robotics, respectively.

Safety Laws in Virginia

Distracted driving and driving under the influence of alcohol or drugs isn’t just illegal but can be fatal. Let’s look at what measures are taken in Virginia to promote responsible driving behavior.

DUI Laws in Virginia

Any motorists driving with a Blood Alcohol Level of 0.08 percent or more is considered to be driving under the influence of alcohol.

Penalties in Virginia for drunk or drugged driving are quite strict and the punishments get harsher on subsequent offenses.

What are the penalties for DUI in Virginia?

  • First Offense: You would have to pay a minimum fine of $250 and your driver’s license would be revoked for one year
  • Second Offense: You would have to pay a minimum fine of $500 and your driver’s license would be revoked for three years with a possibility of a prison term up to one year
  • Third Offense: You would have to pay a minimum fine of $1,000 and your driver’s license would be revoked for an indefinite period. You will also face prosecution as a Class 6 felon
  • Fourth or Subsequent Offense: You would face a minimum prison term of one year

That’s not all though, you would face additional penalties depending on the frequency of offenses within certain time periods.

  • If you’re convicted of DUI for the second time within ten years of the previous conviction, you would have to face a minimum prison term of 10 days. And, if the second offense is within five years, you would have to spend a minimum of 20 days in prison.
  • For the third conviction within five years, there’s a mandatory minimum prison term of six months. And, if it’s within ten years, your vehicle would be forfeited and you would have to spend at least 90 days in prison.

The law also adds more penalties when your BAC level is more than 0.15 percent or 0.20 percent. Driving with children while intoxicated or on a suspended license due to DUI would further make your life difficult.

Distracted Driving Laws in Virginia

Distracted driving can involve texting, talking on the phone, looking outside, chatting with co-passengers, or basically anything that takes your mind off the road.

Though you’re allowed to engage in chit-chatting or enjoying the scenic views outside while driving, it might lead to an accident. Therefore, it’s recommended to focus on driving completely.

Virginia bans texting while driving for all motorists and any violation is a primary offense. For the first violation, you would be fined $125 and for subsequent offenses, you have to pay $250 in fines.

Lawmakers in Virginia are also planning to ban holding a phone for a call while driving.

Driving in Virginia

Despite the laws and regulations, we hear about accidents and fatalities regularly. These events not only raise the premium rates in a state but also makes it dangerous to drive.

We are including facts and figures about the most common types of accidents and what causes them so that you can be more careful on the roads.

Vehicle Theft in Virginia

RankMake & ModelYear of VehicleNumber of Thefts
1Honda Accord2002266
2Ford Pickup (Full Size)2004205
3Honda Civic2013200
4Toyota Camry2014181
5Nissan Altima2015162
6Chevrolet Pickup (Full Size)2003144
7Toyota Corolla2013140
8Ford Explorer2002119
9Jeep Cherokee/Grand Cherokee2001107
10Chevrolet Impala2006105
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If you want to see the theft numbers in your city, you can search in the table below which has been sourced from the FBI.

CityMotor
vehicle
theft
Abingdon9
Alexandria273
Altavista4
Amherst1
Appalachia0
Ashland6
Bedford7
Berryville1
Big Stone Gap3
Blacksburg10
Blackstone8
Bluefield1
Bridgewater0
Bristol48
Broadway0
Brookneal1
Burkeville1
Cape Charles0
Cedar Bluff1
Charlottesville71
Chase City6
Chatham0
Chesapeake250
Chilhowie0
Chincoteague2
Clarksville0
Clifton Forge3
Clintwood0
Coeburn4
Colonial Beach4
Colonial Heights15
Covington3
Crewe4
Culpeper19
Damascus1
Danville98
Dayton0
Dublin2
Dumfries6
Elkton3
Emporia5
Exmore0
Fairfax City17
Falls Church9
Farmville10
Franklin17
Fredericksburg51
Galax17
Gate City3
Glade Spring1
Glasgow0
Glen Lyn0
Gordonsville1
Gretna1
Grottoes0
Grundy1
Halifax2
Hampton332
Harrisonburg43
Haymarket1
Haysi0
Herndon9
Hillsville5
Honaker1
Hopewell57
Hurt0
Independence2
Jonesville0
Kenbridge0
Kilmarnock5
La Crosse0
Lebanon5
Lexington1
Louisa0
Luray4
Lynchburg140
Manassas39
Manassas Park11
Marion16
Martinsville21
Middleburg1
Middletown1
Mount Jackson0
Narrows0
New Market0
Newport News488
Norfolk718
Norton6
Occoquan0
Onancock2
Onley0
Orange7
Parksley0
Pearisburg3
Pembroke2
Pennington Gap0
Petersburg113
Pocahontas0
Poquoson0
Portsmouth384
Pound3
Pulaski14
Purcellville3
Quantico0
Radford6
Rich Creek1
Richlands3
Roanoke287
Rocky Mount4
Rural Retreat0
Salem44
Saltville3
Shenandoah2
Smithfield7
South Boston8
South Hill5
Stanley2
Staunton18
Stephens City1
St. Paul2
Strasburg1
Suffolk97
Tappahannock2
Tazewell2
Timberville0
Victoria1
Vienna3
Vinton13
Virginia Beach459
Warrenton5
Warsaw1
Waverly3
Waynesboro23
Weber City0
West Point2
White Stone0
Williamsburg13
Winchester23
Windsor0
Wise3
Woodstock6
Wytheville10
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Road Fatalities in Virginia

We have sourced data from the National Highway Traffic Safety Administration to offer you insights on crashes by counties or cities.

Most Fatal Highway in Virginia

Route US-460 is the deadliest highway in Virginia which registers around 19 crashes every year.

Fatal Crashes by Weather Condition and Light Condition in Virginia

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal000000
Rain2715254172
Snow/Sleet102003
Other212207
Unknown39483196280701
Total42499225341783
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Fatalities (All Crashes) by County in Virginia

County Name20132014201520162017
Accomack County810683
Albemarle County111615912
Alexandria City30444
Alleghany County45342
Amelia County41357
Amherst County48654
Appomattox County24132
Arlington County28515
Augusta County17991918
Bath County11011
Bedford City00000
Bedford County9761417
Bland County11112
Botetourt County45844
Bristol City21000
Brunswick County119675
Buchanan County73636
Buckingham County111287
Buena Vista City00000
Campbell County497118
Caroline County14110127
Carroll County114768
Charles City County03340
Charlotte County32760
Charlottesville City10020
Chesapeake City119181918
Chesterfield County2619282534
Clarke County01733
Clifton Forge City00000
Colonial Heights City00151
Covington City11000
Craig County40200
Culpeper County99655
Cumberland County41114
Danville City62344
Dickenson County22311
Dinwiddie County831099
Emporia City11000
Essex County15333
Fairfax City20040
Fairfax County4033313434
Falls Church City00000
Fauquier County6919159
Floyd County43311
Fluvanna County63706
Franklin City00020
Franklin County8771612
Frederick County119131022
Fredericksburg City20212
Galax City00100
Giles County59415
Gloucester County34557
Goochland County53925
Grayson County13330
Greene County23103
Greensville County27252
Halifax County389129
Hampton City910888
Hanover County131715813
Harrisonburg City10141
Henrico County2418182124
Henry County1013161313
Highland County01010
Hopewell City12100
Isle Of Wight County79244
James City County858415
King And Queen County12324
King George County811569
King William County33133
Lancaster County41243
Lee County42753
Lexington City20000
Loudoun County1312111221
Louisa County1236107
Lunenburg County33135
Lynchburg City13212
Madison County11313
Manassas City00002
Manassas Park City00000
Martinsville City10000
Mathews County61122
Mecklenburg County1196810
Middlesex County12212
Montgomery County946513
Nelson County42704
New Kent County48853
Newport News City1011151716
Norfolk City2521151819
Northampton County13393
Northumberland County22121
Norton City10000
Nottoway County34553
Orange County86668
Page County12343
Patrick County64416
Petersburg City23062
Pittsylvania County816191414
Poquoson City00200
Portsmouth City355813
Powhatan County75414
Prince Edward County64757
Prince George County1061336
Prince William County1823113022
Pulaski County49229
Radford City01102
Rappahannock County00003
Richmond City129131621
Richmond County01141
Roanoke City674912
Roanoke County941058
Rockbridge County29798
Rockingham County1218101212
Russell County41968
Salem City10102
Scott County33324
Shenandoah County74764
Smyth County54433
South Boston City (No Longer A County Equivalent)00000
Southampton County94524
Spotsylvania County1111111412
Stafford County851599
Staunton City10110
Suffolk City141215718
Surry County11231
Sussex County043813
Tazewell County64535
Virginia Beach City2729161925
Warren County58476
Washington County68968
Waynesboro City21111
Westmoreland County03502
Williamsburg City00000
Winchester City00110
Wise County85461
Wythe County4414610
York County45595
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Traffic Fatalities in Virginia

Road Type2008200920102011201220132014201520162017
Rural479421308405500473448484477519
Urban343334234279259260247269281319
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Fatalities by Person Type in Virginia

Person Type20132014201520162017
Passenger Car331299323308320
Light Truck - Pickup878610382111
Light Truck - Utility996810388111
Light Truck - Van3223243032
Large Truck2422192518
Bus11000
Other/Unknown Occupants110885
Total Occupants575509581547597
Light Truck - Other00160
Total Motorcyclists79907979117
Pedestrian758877122111
Bicyclist and Other Cyclist812151012
Other/Unknown Nonoccupants34222
Total Nonoccupants8610494134125
Total740703754760839
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Fatalities by Crash Type in Virginia

Crash Type20132014201520162017
Total Fatalities (All Crashes)740703754760839
Single Vehicle461436474476493
Involving a Large Truck8990719198
Involving Speeding13299105257219
Involving a Rollover188146194163186
Involving a Roadway Departure498443492444511
Involving an Intersection (or Intersection Related)138164170177189
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Fatalities Trend for the Top 10 Counties in Virginia

Virginia Counties by 2017 Ranking20132014201520162017
Chesterfield County2619282534
Fairfax County4033313434
Virginia Beach City2729161925
Henrico County2418182124
Frederick County119131022
Prince William County1823113022
Loudoun County1312111221
Richmond City129131621
Norfolk City2521151819
Augusta County17991918
Top Ten Counties218210195218240
All Other Counties522493559541599
All Counties740703754759839
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Fatalities Involving Speeding by County in Virginia

County Name20132014201520162017
Accomack County10132
Albemarle County20122
Alexandria City00112
Alleghany County01210
Amelia County11035
Amherst County11121
Appomattox County00010
Arlington County01200
Augusta County33355
Bath County00000
Bedford City00000
Bedford County20086
Bland County10000
Botetourt County00020
Bristol City10000
Brunswick County12022
Buchanan County31412
Buckingham County13061
Buena Vista City00000
Campbell County03154
Caroline County10072
Carroll County21003
Charles City County00120
Charlotte County10020
Charlottesville City00010
Chesapeake City20256
Chesterfield County238148
Clarke County00011
Clifton Forge City00000
Colonial Heights City00010
Covington City00000
Craig County00000
Culpeper County10010
Cumberland County01003
Danville City10001
Dickenson County21101
Dinwiddie County20123
Emporia City10000
Essex County01010
Fairfax City00010
Fairfax County9781214
Falls Church City00000
Fauquier County11262
Floyd County00000
Fluvanna County00200
Franklin City00000
Franklin County00043
Frederick County20214
Fredericksburg City00010
Galax City00000
Giles County11100
Gloucester County00211
Goochland County00500
Grayson County00010
Greene County11000
Greensville County00021
Halifax County01032
Hampton City23312
Hanover County20154
Harrisonburg City00001
Henrico County31160
Henry County02246
Highland County00000
Hopewell City00000
Isle Of Wight County22001
James City County10013
King And Queen County01002
King George County02035
King William County00021
Lancaster County00012
Lee County12120
Lexington City00000
Loudoun County322510
Louisa County31073
Lunenburg County11021
Lynchburg City00001
Madison County00001
Manassas City00000
Manassas Park City00000
Martinsville City10000
Mathews County00000
Mecklenburg County20123
Middlesex County01000
Montgomery County11205
Nelson County00201
New Kent County40130
Newport News City13576
Norfolk City75320
Northampton County00101
Northumberland County00010
Norton City00000
Nottoway County00032
Orange County11020
Page County00032
Patrick County00100
Petersburg City10020
Pittsylvania County21144
Poquoson City00000
Portsmouth City02041
Powhatan County10001
Prince Edward County00024
Prince George County00001
Prince William County462149
Pulaski County10001
Radford City00000
Rappahannock County00001
Richmond City20152
Richmond County00011
Roanoke City20423
Roanoke County31022
Rockbridge County02031
Rockingham County55254
Russell County10211
Salem City00001
Scott County01000
Shenandoah County10022
Smyth County00000
South Boston City (No Longer A County Equivalent)00000
Southampton County21000
Spotsylvania County40345
Stafford County11223
Staunton City00000
Suffolk City62121
Surry County00011
Sussex County01157
Tazewell County10321
Virginia Beach City76286
Warren County00012
Washington County51140
Waynesboro City10000
Westmoreland County00200
Williamsburg City00000
Winchester City00000
Wise County02031
Wythe County02122
York County13021
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Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County in Virginia

County Name20132014201520162017
Accomack County43131
Albemarle County55436
Alexandria City10211
Alleghany County11222
Amelia County10123
Amherst County00121
Appomattox County10020
Arlington County12201
Augusta County53574
Bath County00000
Bedford City00000
Bedford County32476
Bland County10100
Botetourt County41201
Bristol City10000
Brunswick County14100
Buchanan County41121
Buckingham County16262
Buena Vista City00000
Campbell County12164
Caroline County40232
Carroll County22112
Charles City County02120
Charlotte County10130
Charlottesville City00010
Chesapeake City42656
Chesterfield County1188117
Clarke County00100
Clifton Forge City00000
Colonial Heights City00130
Covington City00000
Craig County30200
Culpeper County41121
Cumberland County10002
Danville City10100
Dickenson County20001
Dinwiddie County41231
Emporia City10000
Essex County02022
Fairfax City00010
Fairfax County16104911
Falls Church City00000
Fauquier County23441
Floyd County30101
Fluvanna County42100
Franklin City00000
Franklin County14213
Frederick County41317
Fredericksburg City00011
Galax City00000
Giles County02002
Gloucester County11313
Goochland County32402
Grayson County01030
Greene County10001
Greensville County02011
Halifax County22332
Hampton City45322
Hanover County35533
Harrisonburg City00000
Henrico County108474
Henry County52433
Highland County01000
Hopewell City10100
Isle Of Wight County33122
James City County32219
King And Queen County10002
King George County13141
King William County10011
Lancaster County21021
Lee County30220
Lexington City00000
Loudoun County444211
Louisa County71164
Lunenburg County21103
Lynchburg City00101
Madison County00110
Manassas City00000
Manassas Park City00000
Martinsville City00000
Mathews County10000
Mecklenburg County30044
Middlesex County11100
Montgomery County32204
Nelson County01301
New Kent County22210
Newport News City43655
Norfolk City910536
Northampton County00100
Northumberland County11010
Norton City00000
Nottoway County11110
Orange County51223
Page County01111
Patrick County30201
Petersburg City12030
Pittsylvania County54766
Poquoson City00100
Portsmouth City11135
Powhatan County41101
Prince Edward County22231
Prince George County31311
Prince William County35195
Pulaski County13003
Radford City00000
Rappahannock County00001
Richmond City55563
Richmond County00010
Roanoke City14444
Roanoke County21232
Rockbridge County13212
Rockingham County66134
Russell County10314
Salem City00000
Scott County01120
Shenandoah County10100
Smyth County01201
South Boston City (No Longer A County Equivalent)00000
Southampton County14201
Spotsylvania County26358
Stafford County41314
Staunton City00000
Suffolk City44303
Surry County00110
Sussex County02016
Tazewell County11210
Virginia Beach City1113748
Warren County33221
Washington County21110
Waynesboro City10000
Westmoreland County00201
Williamsburg City00000
Winchester City00000
Wise County22010
Wythe County01512
York County24121
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Teen Drinking and Driving in Virginia

Virginia has a zero-tolerance policy for teen drunk driving and if you’re caught with a BAC level of more than 0.02 percent while driving, your driving privileges would be suspended for one year and you would be charged a fine of $500.

The under 21 impaired driving fatality rate per 100,000 people in Virginia is 1.1 while the national average is 1.2.

EMS Response Time in Virginia

Type of RoadTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Total Fatal Crashes
Rural5.8512.9342.3058.92476
Urban9.6110.0032.5441.38306
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Transportation in Virginia

Driving experience in any state is influenced by a couple of factors, for instance, how many cars are owned by households, what is the commute time, and the preferred mode of transportation.

Car Ownership in Virginia

Car Ownership in Virginia

Most of the households own two cars in Virginia as illustrated in this graph by Data USA. Even the national average for ownership is two cars per household (in grey).

Commute Time in Virginia

Commute Time in Virginia

Unfortunately, the commute time for employees in Virginia is 27 minutes which is higher than the national average of 25.5 minutes.

Commuter Transportation in Virginia

Commuter Transportation in Virginia

There’s a strong preference for driving alone to work among the people of Virginia much like the rest of the country.

Traffic Congestion in Virginia

Virginia Beach is the 48th most congested city in America and obviously the worst in Virginia as per the traffic analytics firm TomTom.

You can also see specific traffic data from Virginia Beach.

  • Congestion Level: 12 percent (Highways) and 19 percent (Non-Highways)
  • Extra Travel Time in Peak Hours: +6 min (Morning) and +11 min (Evening) per 30 minutes of travel time
  • Workdays Peak Congestion: 21 percent (Morning Peak) and 36 percent (Evening Peak)

That was quite a journey taking you through the smallest detail about car insurance and laws in Virginia.

You can start comparison shopping now using our FREE online tool. Enter your zip code below to get started.

References:

  1. https://www.iii.org/article/8-questions-to-ask-before-buying-auto-insurance
  2. https://guides.wsj.com/personal-finance/insurance/how-much-car-insurance-do-you-need/
  3. https://vaperforms.virginia.gov/Transportation_trafficCongestion.cfm
  4. https://www.dmv.virginia.gov/vehicles/#insurance.asp
  5. https://www.daveramsey.com/blog/how-much-car-insurance
  6. https://www.naic.org/
  7. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  8. https://www.investopedia.com/terms/l/loss-ratio.asp
  9. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  10. https://www.allstate.com/tr/personal-umbrella-policy/made-simple.aspx
  11. https://www.nationwide.com/hot-rod-insurance.jsp
  12. https://www.amfam.com/resources/articles/understanding-insurance/what-is-usage-based-insurance
  13. https://www.naic.org/cipr_topics/topic_usage_based_insurance.htm
  14. https://www.allstate.com/tr/car-insurance/telematics-device.aspx
  15. https://www.sciencedirect.com/science/article/abs/pii/S1369847814001727
  16. http://www.city-data.com/city/Virginia.html
  17. https://www.getbellhops.com/blog/moving-to-virginia/
  18. https://www.investopedia.com/terms/f/first-notice-loss-fnol.asp
  19. https://getjerry.com/advice/the-5-characteristics-of-a-reliable-car-insurance-company-by-jason-unrau
  20. http://www.ambest.com/home/default.aspx
  21. http://ambest.com/ratings/guide.pdf
  22. https://www.jdpower.com
  23. https://www.jdpower.com/business/press-releases/2019-us-auto-insurance-study
  24. https://naic.org/index_consumer.htm#complaints_state
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  39. https://www.dhs.gov/real-id
  40. https://www.dmv.virginia.gov/drivers/#real_id.asp
  41. https://www.dmv.virginia.gov/webdoc/pdf/dmv299.pdf
  42. https://www.dmv.virginia.gov/webdoc/pdf/dmv141.pdf
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  54. https://www.dmv.virginia.gov/drivers/#mail.asp
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  57. https://www.virginia.org/virginiaisforlovers/
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  66. https://wtop.com/virginia/2018/04/how-many-left-lane-slowpokes-have-been-fined-under-new-va-law/
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  68. http://www.virginiadot.org/info/faq-speedlimits.asp
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  72. https://www.vtti.vt.edu/facilities/vac.html
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  74. https://www.dmv.virginia.gov/safety/#programs/drinking/distract.asp
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  78. https://www.geotab.com/the-most-dangerous-highways-in-america/
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