Cheap car insurance in virginia / Video

Cheap car insurance in virginia



Cheap car insurance in virginia

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Best Cheap Car Insurance in Virginia for 2019

If you’re looking for cheap car insurance in Virginia, the most affordable company will depend on personal factors such as your age, driving record and credit history. Prices also differ from one insurer to the next, which is why it’s smart to compare several quotes.

To help drivers find the best deal, NerdWallet gathered rates from the six largest companies in the state and found the cheapest Virginia car insurance options for several driver types.

Cheapest for good drivers

State Farm was the cheapest carrier we found for good drivers with good credit in Virginia, charging an average rate of $77 per month. Geico and Progressive come in second and third, respectively.

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Cheapest for drivers with poor credit

Geico was the cheapest insurer we found for Virginians with poor credit, at $103 per month, on average. Rates went up sharply from there, with Nationwide and State Farm rounding out the cheapest three.

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Cheapest for drivers with one at-fault crash

Virginia drivers with a recent accident on their records would do well to get several insurance quotes. State Farm had an average rate less than half of its competitors, at $92 per month. Geico and Nationwide also make the list, coming in well under $200 per month.

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Cheapest for low-mileage drivers

State Farm had the cheapest rates we found for Virginians who clock few annual miles, at $69 per month, on average. Geico came in second and Progressive was third-cheapest — with the same average rate it had for higher-mileage drivers.

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Honorable mention: Low-mileage drivers

Metromile targets drivers who put relatively few miles on their cars, so consider getting a quote if you drive very little. We can’t get rate estimates because this company charges a monthly base rate, plus a per-mile rate each month. But the less you drive, the less you pay, and a road trip here or there won’t break the bank — the company won’t charge you for more than 250 miles per day.

Cheapest for minimum coverage

If all you want is Virginia’s minimum required coverage, you might want to take a look at State Farm, which had an average rate of $33 per month for bare-bones auto coverage. Geico and Progressive came close, rounding out the list with competitive monthly insurance rates.

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Cheap for military families

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If you’re an active member of the military or a veteran, or have an immediate family member who is, chances are you’ll get relatively low rates from USAA, an option not available to the general public. USAA was the cheapest option for every driver type listed above, except for drivers with poor credit.

Minimum car insurance requirements in Virginia

Virginia requires drivers who purchase insurance to carry liability coverage in at least the following coverage amounts:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per accident.
  • $20,000 property damage liability per accident.
  • $25,000 uninsured/underinsured motorist coverage per person.
  • $50,000 uninsured/underinsured motorist coverage per accident.
  • $20,000 uninsured/underinsured motorist property damage coverage per accident.

If you ever cause a crash, liability coverage pays for others’ injuries and property damage, up to your limits. An at-fault crash could easily result in injury or repair bills higher than the amounts listed above, so it’s often smart to purchase more than the minimum coverage. You may also want to consider common add-ons such as collision, comprehensive and uninsured motorist protection.

Find out more about how the required and optional parts of your Virginia policy work by visiting our guide to minimum car insurance requirements by state.

In Virginia, it’s possible to register a car without insurance, but you must pay a $500 uninsured motor vehicle fee. Even if you pay this fee to avoid buying insurance, you still must pay for any damage you cause in a crash.

Alternative car insurance in Virginia

Drivers who are unable to buy Virginia car insurance on the open market — due to poor credit, DUI convictions or other factors — can apply for coverage through the Virginia Automobile Insurance Plan.

For more help finding cheap car insurance in Virginia, try our car insurance comparison tool.

Here’s a summary of where you’ll find the cheapest insurance, by category:

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SOURCE: http://www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-virginia-va/

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