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Virginia Car Insurance

Taking a trip to Shenandoah for a weekend of outdoor activities? Or heading out to Colonial Williamsburg for a day of exploring? No matter where you’re driving in Virginia, ensure you’re protected on the road with the right car insurance.

Amica offers customized Virginia car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

Auto insurance requirements in Virginia

Virginia is one of the few states that doesn’t require drivers to have insurance. Virginia drivers can pay an uninsured motorist fee to the Department of Motor Vehicles, which will allow you to legally drive uninsured at your own risk.

Drivers who opt for auto insurance in Virginia are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $30,000 per person
    • $60,000 per accident
  • Property Damage Liability Coverage:
    • $20,000 per accident

Bodily injury liability coverage: This coverage protects you financially from claims of bodily injury that you're responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering and lost wages. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else's property that you're responsible for causing in an auto accident. It can apply to the damage of the other person's vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, Virginia mandates coverages for uninsured motorist bodily injury and uninsured motorist property damage, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $30,000 per person
    • $60,000 per accident
  • Uninsured Motorist Property Damage Coverage:
    • $20,000 per accident

Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you're hurt in a car accident and the responsible party either doesn't have insurance, or doesn't have enough insurance.

Uninsured motorist property damage coverage: Protection for your car if it’s damaged in an accident caused by an uninsured driver or a hit-and-run driver who cannot be identified.

It's important to understand that these are just the minimum requirements, and Virginia drivers may choose higher coverage limits for added protection. 

Additional Virginia car insurance coverage

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Virginians might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Medical payments: This coverage can help pay for medical expenses for you and your passengers if you're injured in an accident, regardless if you're at fault for the accident. Medical payments coverage can apply to expenses including ambulance rides, hospital stays, surgery and rehabilitation.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows, and other auto glass, without a deductible.

Understanding rate factors for Virginia car insurance

There are several factors that impact auto insurance in Virginia, including individual circumstances, geographical location, weather patterns and more. Consider these key points:

  • Driving history: Your individual driving record significantly impacts Virginia auto insurance premiums. Drivers with clean records may have lower premiums than drivers with a history of accidents or traffic violations.
  • Coverage options and limits: The minimum state-required coverage in Virginia may be more affordable, whereas adding optional coverages with higher limits increases premiums.
  • Vehicle type: The make and model of your vehicle can influence Virginia car insurance rates. Factors such as safety ratings, repair costs and the likelihood of theft contribute to premium calculations.
  • Claims in Virginia: The frequency and severity of claims can impact Virginia car insurance rates. Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in Virginia.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Virginia car insurance discounts

Amica offers various auto insurance discounts to help Virginians save money on their premiums.Here are some ways you can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Virginia policy premium upfront.

If you're a Virginia driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, Virginians can save up to 30% with a multiline discount.

Facts and figures about Virginia

Fun facts about Virgnia:

  • Founded in 1607, Jamestown is the first English settlement in the Americas.2
  • Virginia has the highest percentage of vanity plates in the U.S.3
  • Due to its high number of data centers, Virginia is known as the "Internet Capital of the World."4

Facts about driving in Virgnia:

  • In Virginia, it’s considered reckless driving if your speed is 20 mph above the posted speed limit.4
  • Two states, one street – depending on what side of the street you’re driving on, you can be in a different state. The Virginia and Tennessee state line runs down the middle of State Street in Bristol, Virginia.3
  • The Chesapeake Bay Bridge-Tunnel (CBBT) is the world’s largest tunnel-bridge complex. While it can make your commute quicker, keep an eye on the weather. If there’s inclement weather, some cars may not be able to cross.3

How to get car insurance in Virginia

We’re here to guide you through the process of personalizing your car insurance in Virginia. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Virginia drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Virginia drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 15 Vivacious Facts About Virginia
3 33 Things You Probably Didn’t Know About Virginia
4 Virginia Facts and Figures

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