Virginia Car Insurance Calculator

In Virginia, drivers must carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury liability as well as $20,000 of property damage liability. They also have the option to pay a $500 uninsured motor vehicle fee to reduce their cost of meeting these requirements.

Rates in Virginia vary based on your car, credit score and other risk factors like driving history. Use our free car insurance calculator to compare quotes from different providers.

Auto insurance rates in Virginia can vary based on where you live and your Pincode, so it’s always wise to shop around for the best deal. Insurers tend to offer discounts in cities where population stability and roads are generally safe; however, if you live in a high-risk area then your rates could go up.

Insurers take into account your vehicle’s safety features, such as air bags, anti-lock brakes and GPS systems, along with factors like age and gender that could increase or reduce the likelihood of having a car accident.

Virginia drivers typically find the lowest car insurance rates with full coverage policies, which include collision and comprehensive coverage as well as liability. A full coverage policy also pays for medical expenses and repair costs in case of a crash or theft of their vehicle.

Drivers with a clean driving record often experience reduced car insurance rates. This is because insurance companies view those with no traffic violations or accidents as less of a risk than those whose records contain violations.

Other drivers, such as teen drivers or those with DUIs, may see their car insurance rates increase drastically after receiving a violation on their record. However, there are ways to minimize this impact by taking a driver education course or participating in a defensive driving course.

Your car’s model can influence your insurance rates, as some models require more repairs and are pricier to insure. This is especially true for luxury vehicles which tend to be costlier to fix and less reliable than more common car types.

Another way to save on car insurance is by selecting a higher deductible. The lower your deductible, the cheaper your premiums will be overall.

You can reduce your insurance costs by choosing a more fuel-efficient car or purchasing used. In Virginia, you may even qualify for discounts on your car insurance if you drive less than 6,000 miles annually.

Insurers may offer discounts to drivers who complete a driving course or other defensive-driving training, such as a crash avoidance program or online driver education courses.

Virginia Insurers offer students a student discount for maintaining a good grade point average while in school. These savings can add up to an impressive amount.