Car insurance in Virginia, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Virginia car insurance coverage isn't just something that drivers in the "Old Dominion State" should have; it's something they
have.
Virginia auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Virginia, you need auto insurance in Virginia. Here's what kind and how much, according to Virginia state law:
The best contacts and resources to help you get it done
Browse Virginia auto insurance rates online
If you need Virginia auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Virginia, they offer a fast and convenient way to research and compare premiums.
I recommend: Get comprehensive online quotes from Virginia car insurance providers at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Solicit Virginia car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Virginia and all provide competitive Virginia auto insurance rates.
I recommend: Among the largest and most popular car insurance companies in Virginia are
AIG,
Allstate,
Chubb,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Virginia.
Get car insurance in Virginia from local and regional companies
In Virginia, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend: For automotive insurance in Virginia, try Virginia-based companies like
Eisert Insurance Service,
Rockingham Group and
Northern Neck Insurance Company. Also consider local programs, like the
Virginia Automobile Insurance Plan, which exists for drivers who can't easily find auto insurance in Virginia.
Use an independent agent to find Virginia car insurance bargains
Buying car insurance in Virginia via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you car insurance in Virginia, use the “find an independent agent” feature at the
Independent Insurance Agents of Virginia.
Choose Virginia auto insurance companies that you can trust
Before doing business with Virginia car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Virginia. Other good resources are the
Virginia Bureau of Insurance, which licenses
auto insurance companies in Virginia, and the
National Association of Insurance Commissioners, which compiles statistics on complaints against them.
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