How to Get Car Insurance in Virginia

Getting car insurance in Virginia is not just a legal requirement—it’s a critical step toward protecting your financial well-being, your vehicle, and others on the road. Unlike some states that allow drivers to opt out of insurance by paying a fee, Virginia mandates that all registered vehicles carry minimum liability coverage or pay an uninsured motorist fee. This makes understanding the process, coverage options, and cost factors essential for every driver in the Commonwealth. Whether you’re a new resident, a first-time buyer, or simply renewing your policy, navigating the landscape of car insurance in Virginia requires clarity, preparation, and informed decision-making.

This comprehensive guide walks you through every phase of securing the right car insurance in Virginia. From understanding state-mandated requirements to comparing quotes, choosing coverage, and avoiding common pitfalls, you’ll gain the knowledge needed to make confident, cost-effective choices. We’ll also explore best practices, essential tools, real-world examples, and answers to frequently asked questions—all tailored to Virginia’s unique regulations and market conditions.

Step-by-Step Guide

Step 1: Understand Virginia’s Minimum Insurance Requirements

Before you begin shopping for a policy, you must know what Virginia law requires. The state mandates that all drivers carry a minimum level of liability coverage, which includes:

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident
• $20,000 for property damage per accident

This is commonly referred to as 30/60/20 coverage. These limits represent the maximum your insurer will pay out in the event you’re at fault in an accident. If damages exceed these amounts, you are personally liable for the difference.

Alternatively, Virginia allows drivers to pay an Uninsured Motorist Fee of $500 annually to the Department of Motor Vehicles (DMV) instead of purchasing insurance. However, this does not provide any coverage—you remain financially responsible for all damages and injuries you cause. This option is rarely advisable unless you have no assets to protect and fully understand the risks involved.

Additionally, Virginia requires all drivers to carry Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage unless you explicitly reject it in writing. These coverages protect you if you’re hit by a driver who has no insurance or insufficient coverage. Given that approximately 12% of Virginia drivers are uninsured, this protection is vital.

Step 2: Assess Your Personal Coverage Needs

While the state sets minimums, those limits may not be sufficient to protect your assets or cover medical expenses in a serious accident. Consider your personal situation:

• Do you own a home or have significant savings? Higher liability limits (such as 100/300/100) may be necessary to avoid personal financial exposure.
• Do you drive an older vehicle? Collision and comprehensive coverage may not be cost-effective.
• Do you frequently drive in urban areas with high theft or weather-related risks? Comprehensive coverage becomes more valuable.
• Do you have a loan or lease? Your lender will likely require full coverage, including collision and comprehensive.

Additional optional coverages to consider:

• Medical Payments (MedPay): Covers medical expenses for you and your passengers regardless of fault. Particularly useful if you lack robust health insurance.
• Rental Reimbursement: Pays for a rental car while your vehicle is being repaired.
• Gap Insurance: Covers the difference between your car’s actual cash value and your loan balance if your vehicle is totaled.
• Roadside Assistance: Provides towing, battery jump-starts, and tire changes.

Don’t assume the cheapest policy is the best. Evaluate your risk profile and budget to determine which coverages offer the right balance of protection and affordability.

Step 3: Gather Required Documentation

Before you begin quoting, assemble the following documents to ensure a smooth process:

• Your driver’s license number
• Vehicle Identification Number (VIN) for each car you want to insure
• Current registration information
• Details of your current policy (if renewing or switching)
• Driving history: dates of accidents, tickets, or violations
• Information on all licensed drivers in your household
• Proof of prior insurance (if applicable)

Having this information ready saves time and reduces errors during the quoting process. Some insurers may also request your Social Security number to access your credit-based insurance score, which is used in Virginia to help determine premiums.

Step 4: Obtain Multiple Quotes

Insurance rates vary significantly between providers, even for identical coverage. To find the best value, obtain quotes from at least three to five insurers. Use both online platforms and direct agent contact to compare options.

Popular insurers operating in Virginia include:

• Geico
• Progressive
• State Farm
• Allstate
• Liberty Mutual
• USAA (for military members and families)
• Local and regional carriers like Farm Bureau or Nationwide

When requesting quotes, ensure you’re comparing apples to apples:

• Use the same coverage limits across all quotes (e.g., 100/300/100)
• Include the same deductibles for collision and comprehensive
• Add the same optional coverages (e.g., roadside assistance, rental reimbursement)
• Include all drivers and vehicles in your household

Don’t rely solely on online tools. Calling an agent can uncover discounts you might miss online, such as loyalty, multi-policy, or good student discounts.

Step 5: Evaluate Discounts and Savings Opportunities

Virginia insurers offer a wide range of discounts that can significantly reduce your premium. Common ones include:

• Safe Driver Discount: For drivers with no accidents or violations in the past 3–5 years.
• Multi-Policy Discount: Bundling auto with home or renters insurance.
• Multi-Car Discount: Insuring multiple vehicles under one policy.
• Good Student Discount: For students under 25 with a GPA of 3.0 or higher.
• Defensive Driving Course Discount: Completion of an approved course can reduce rates by up to 10%.
• Low Mileage Discount: For drivers who drive fewer than 7,500 miles annually.
• Pay-in-Full Discount: Paying your premium upfront instead of monthly installments.
• Anti-Theft Device Discount: For vehicles equipped with factory-installed or aftermarket security systems.
• Vehicle Safety Feature Discount: For cars with airbags, ABS, or electronic stability control.

Always ask for a full discount audit when reviewing quotes. Some agents may not automatically apply all eligible discounts unless prompted.

Step 6: Review Policy Details and Exclusions

Once you’ve selected a provider, carefully review the policy documents before purchasing. Pay attention to:

• Effective date of coverage
• Exact coverage limits and deductibles
• Exclusions (e.g., use of vehicle for ride-sharing, commercial use, or racing)
• Claims process and contact information
• Cancellation policies and refund terms
• Whether the policy includes roadside assistance or rental reimbursement

Some policies may appear cheaper but have hidden exclusions or higher deductibles that increase your out-of-pocket costs after an accident. Read the fine print. If something is unclear, ask for clarification in writing.

Step 7: Complete the Purchase and Register Your Vehicle

After selecting your policy:

• Pay your initial premium (first month or full term, depending on payment plan)
• Receive your proof of insurance (digital or paper)
• Update your vehicle registration with the Virginia DMV

Virginia requires proof of insurance when registering or renewing your vehicle. You can submit this electronically through the DMV’s online portal, by mail, or in person. The DMV will verify your coverage through the state’s electronic insurance verification system. If your policy is not active or lacks minimum coverage, your registration will be denied.

Keep your proof of insurance in your vehicle at all times. Virginia law requires drivers to present it upon request by law enforcement. Failure to do so can result in fines and suspension of your registration.

Step 8: Maintain and Review Your Policy Annually

Insurance needs change over time. Revisit your policy each year during renewal to ensure it still meets your needs:

• Did you buy a new car? Update your coverage accordingly.
• Did a teenager in your household get a license? Add them to your policy.
• Did your credit score improve? You may qualify for a lower rate.
• Have you moved to a new ZIP code? Rates can vary by location.
• Have you taken a defensive driving course? Notify your insurer for a discount.

Don’t wait until renewal to shop around. If you find a significantly better rate mid-term, you can switch providers. Most insurers allow cancellation with a prorated refund, though some may charge a small administrative fee.

Best Practices

1. Never Let Your Coverage Lapse

Even a one-day gap in coverage can trigger penalties from the DMV, including fines, registration suspension, and mandatory SR-22 filing (a certificate proving financial responsibility). If you’re switching insurers, ensure your new policy starts the day after your old one ends. Never cancel your current policy until your new one is active.

2. Avoid Low-Ball Quotes That Exclude Essential Coverage

Some insurers advertise extremely low rates but exclude critical coverages like UM/UIM or charge high deductibles. Always compare full coverage packages, not just liability-only quotes. A policy that seems $100 cheaper may cost you thousands if you’re in an accident.

3. Use Your Credit Score to Your Advantage

Virginia allows insurers to use credit-based insurance scores as a factor in pricing. While not a perfect indicator, a higher score often correlates with lower premiums. Pay bills on time, reduce debt, and check your credit report annually for errors. Improving your score can lead to substantial savings.

4. Report Accidents and Claims Promptly

Delaying a claim can complicate the process and potentially jeopardize your coverage. Notify your insurer immediately after an accident—even if you’re not at fault. Provide accurate details, photos, and witness information. This helps ensure a smoother claims experience and protects your rights.

5. Keep a Digital and Physical Copy of Your Insurance Card

Store your proof of insurance in your glove compartment, on your phone, and in a secure cloud folder. Many insurers offer digital ID cards through their apps. Having multiple copies ensures you’re always prepared during traffic stops or after an accident.

6. Avoid Common Traps: “Free” Insurance or “Too Good to Be True” Offers

Be wary of companies offering extremely low rates with no explanation. These may be unlicensed insurers, scams, or policies that cancel after the first payment. Always verify an insurer’s license through the Virginia State Corporation Commission’s (SCC) website. Legitimate insurers are regulated and must meet state solvency standards.

7. Understand How Your Vehicle Affects Premiums

Not all cars cost the same to insure. Sports cars, luxury models, and vehicles with high repair costs or theft rates typically carry higher premiums. If you’re shopping for a new vehicle, check insurance costs before purchasing. Websites like the Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) provide insurance loss data by make and model.

8. Consider Usage-Based Insurance (UBI)

Some Virginia insurers offer pay-as-you-drive or usage-based programs that track your driving habits via a mobile app or plug-in device. Safe drivers who avoid hard braking, late-night driving, and excessive mileage can save up to 30%. If you drive infrequently or defensively, this may be a smart option.

Tools and Resources

Virginia Department of Motor Vehicles (DMV)

The official Virginia DMV website (dmv.virginia.gov) provides essential resources, including:

• Online vehicle registration and renewal
• Insurance verification portal
• Information on uninsured motorist fees
• Forms for SR-22 filings
• Driver’s license and ID card requirements

Use the DMV’s Insurance Verification System to confirm your policy is active and meets state requirements.

Virginia State Corporation Commission (SCC)

The SCC regulates all insurance companies operating in Virginia. Visit scc.virginia.gov to:

• Verify an insurer’s license
• File a complaint against an insurer
• Review rate filings and approval history
• Access consumer guides on auto insurance

The SCC also publishes annual reports on average premiums by company and region, helping you understand market trends.

Online Quote Comparison Platforms

Use these tools to compare multiple quotes quickly:

• Insurify – Compares rates from over 100 carriers with detailed breakdowns
• Policygenius – Offers personalized recommendations based on your profile
• The Zebra – Provides side-by-side comparisons and explains coverage options
• Geico, Progressive, State Farm – All offer instant online quotes

These platforms are free to use and do not require personal information until you’re ready to purchase.

Consumer Advocacy Organizations

For unbiased advice and educational materials:

• Consumer Federation of America (CFA) – Offers guides on auto insurance fairness and cost-saving tips
• AAA Mid-Atlantic – Provides member-only insurance tools and driving safety resources
• Virginia Consumer Protection Division – Offers tips on avoiding scams and understanding policy terms

Driving Record and Credit Report Services

Check your driving record for accuracy:

• Virginia DMV Driver Record Request – $8 online

Check your credit report for free once a year at:

• AnnualCreditReport.com – Official site for Equifax, Experian, and TransUnion

Correcting errors on either report can lead to lower insurance premiums.

Vehicle Safety and Insurance Cost Databases

Before buying a car, research its insurance profile:

• IIHS.org – Safety ratings and crash test results
• HLDI.org – Insurance loss statistics by vehicle model
• Edmunds.com – Insurance cost estimator tool

For example, a 2023 Honda Civic typically has lower premiums than a 2023 BMW X5 due to repair costs, safety ratings, and theft rates.

Real Examples

Example 1: New Resident in Richmond

Jamal moved to Richmond from North Carolina with a clean driving record and a 2020 Toyota Camry. He was quoted $1,200 annually by his previous insurer but found a better rate in Virginia after comparing options.

He obtained quotes from four insurers:

• Geico: $950 (30/60/20, no discounts)
• State Farm: $1,020 (50/100/50, multi-car discount applied)
• Progressive: $890 (30/60/20, defensive driving discount)
• Allstate: $1,100 (100/300/100, no discounts)

Jamal chose Progressive because he had completed a defensive driving course in 2022. He added UM/UIM coverage at no extra cost (required by law), and his total premium was $890. He saved $310 annually compared to his old policy.

Example 2: College Student in Blacksburg

Lisa, 19, is a full-time student at Virginia Tech with a 3.7 GPA. She drives her 2018 Hyundai Elantra and lives on campus during the semester.

Her parents added her to their policy with Allstate. She qualified for:

• Good student discount: 15%
• Multi-car discount: 10%
• Distance learning discount (since she’s not driving daily): 5%

Her annual premium was reduced from $1,800 to $1,260. She also added MedPay coverage for $50/year to cover minor medical expenses not covered by her student health plan.

Example 3: Driver with a DUI in Alexandria

After a DUI conviction, Marcus was required to file an SR-22 and obtain high-risk insurance. His premiums jumped from $1,100 to $3,200 annually.

He used the SCC’s insurer directory to find approved high-risk carriers and chose a regional provider that offered:

• SR-22 filing included
• Monthly payment plan
• Access to a defensive driving course

He completed a state-approved course and received a 10% discount. He also installed a telematics device, which tracked his improved driving behavior. After 12 months of clean driving, his premium dropped to $2,100.

Example 4: Senior Driver in Norfolk

Patricia, 72, drives only 4,000 miles per year and recently retired. She contacted her insurer and asked about low-mileage discounts. She was eligible for a 12% reduction.

She also added roadside assistance and increased her MedPay limit from $1,000 to $5,000. Her total premium increased slightly, but she gained peace of mind knowing she’d be covered for medical emergencies or breakdowns.

FAQs

Do I need car insurance if I don’t drive often?

Yes. Virginia law requires all registered vehicles to have insurance, regardless of how often they’re driven. If you don’t drive your car, consider storing it with a “non-operational” status through the DMV, which may allow you to suspend coverage. However, you cannot legally drive it without insurance.

Can I get car insurance without a Virginia driver’s license?

You can purchase insurance with an out-of-state license, but you must obtain a Virginia license within 60 days of establishing residency. Insurers may require proof of residency and a valid license before issuing a policy.

What happens if I drive without insurance in Virginia?

If caught, you may face:

• A $500 fine
• Suspension of your driver’s license and vehicle registration
• Requirement to file an SR-22 for three years
• Reinstatement fees of up to $600

Repeat offenses can lead to vehicle impoundment and criminal charges.

Is liability-only insurance enough?

It meets the legal minimum, but it offers no protection for your own vehicle or medical expenses. If you’re in an accident and your car is totaled, you’ll pay to replace it out of pocket. Consider collision and comprehensive coverage if your vehicle is worth more than $3,000.

Can I cancel my car insurance anytime?

Yes, but only if you have a new policy in place. Canceling without replacement triggers a DMV notification and may result in penalties. Always confirm your new policy’s effective date before canceling your old one.

Does my credit score really affect my car insurance rate in Virginia?

Yes. Virginia permits insurers to use credit-based insurance scores as a rating factor. Drivers with higher credit scores typically pay less. However, insurers cannot deny coverage based solely on credit.

How long does a speeding ticket affect my insurance?

Most insurers consider violations from the past 3–5 years. A single ticket may raise your rates by 10–20%. Multiple tickets or reckless driving charges can lead to policy cancellation or non-renewal.

Do I need to insure a vehicle that’s not being driven?

If it’s registered, yes. If it’s stored and not registered, you may cancel coverage. To avoid penalties, notify the DMV to declare the vehicle as “non-operational.”

Can I add someone to my policy who doesn’t live with me?

Generally, no. Insurers require all drivers in your household to be listed. Exceptions may be made for occasional drivers (e.g., a visiting relative), but you must disclose them to avoid claim denials.

What’s the difference between comprehensive and collision coverage?

Collision covers damage from accidents with other vehicles or objects (e.g., hitting a tree). Comprehensive covers non-collision events like theft, vandalism, fire, hail, or animal strikes. Both are optional unless required by a lender.

Conclusion

Getting car insurance in Virginia is more than a bureaucratic formality—it’s a strategic financial decision that protects your assets, your health, and your future. By understanding the state’s requirements, evaluating your personal needs, comparing quotes, and leveraging available discounts, you can secure comprehensive coverage at a fair price. Avoid the pitfalls of underinsurance, coverage gaps, and misleading quotes. Use the tools and resources provided to make informed, data-driven choices.

Remember, the cheapest policy isn’t always the best. The right policy balances affordability with adequate protection. Regularly review your coverage, update your insurer when your life changes, and never assume your current plan remains optimal. With the right approach, car insurance in Virginia becomes not just a legal obligation, but a smart investment in your safety and security.

Start today. Compare quotes. Ask questions. Secure your coverage. Your future self will thank you.