Are you searching for affordable Virginia car insurance? Look no further. Our comparison tool makes finding quotes from top companies in your area simple by using your ZIP code to identify policies available near you and then calculating a rate based on your personal profile.
Virginia Car Insurance Calculator
Auto insurance costs in Virginia are determined by several factors, including your driving record and the vehicle you drive. Furthermore, Virginia has a variety of driving safety laws which protect both you and other drivers on the road.
Minimum Coverage
In California, drivers are required to have at least $25,000 of bodily injury liability coverage per person and $50,000 for injuries or death sustained in an accident involving two or more people. You can also add more coverages like uninsured/underinsured motorist for even greater protection, depending on where you live.
Full Coverage
A full coverage policy is the recommended choice for most Virginia drivers. It includes collision and comprehensive coverage, which pays for damage to your own car if you’re at fault in an accident, as well as personal belongings and property.
Low Costs
On average, Virginia car insurance policies cost $1,349 annually – making it one of the cheapest states for coverage. But prices can vary significantly between companies and depend on several factors, so it’s essential to compare quotes before signing on the dotted line.
Young Drivers
If you’re a young driver, taking advantage of discounts offered by some insurers with safe driving discounts can save you money. Some providers give discounts up to 10% for responsible drivers.
Bad Credit
Your credit score could affect the cost of your policy. Some companies may take into account age and other factors when setting their rate.
Recent At-Fault Accidents
Having an accident on your record can significantly raise your insurance rates, as insurers view this as a warning that you pose a high-risk driver.
Speeding Tickets
A speeding ticket can increase your car insurance rate by up to 11%, so it’s best to avoid them.
DUI Convictions
Being caught for driving under the influence can increase your auto insurance costs by up to 50%, so it’s essential to search for another provider. Some companies offer reduced rates for a certain period of time after your conviction. This way, you won’t be paying as much in premiums after each incident.
Other Miscellaneous Details
Weather conditions or natural disasters that you cannot control may impact your car insurance rate. For instance, if you live in an area prone to tornadoes or severe storms, premiums could be higher due to increased risks of property damage and medical expenses.
Homeowners and Renters
If you’re in search of cheap homeowners or renters insurance, the same tips apply. Bundle your policies to save money, and ensure that your property is covered for any disasters that may strike.
Bundling auto insurance policies with a bundling company can get you an amazing deal. In some cases, they will even let you combine all your policies into one.