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Virginia Car Insurance Resources

Virginia Car Insurance

Car Insurance Rates in VA

^ From 2006 to 2010, Virginia cities had the 32nd highest auto insurance rates in the nation. [2]

Car Insurance in VA by City

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Cars Insured in VA

^ Virginia ranked 11th of all U.S. states in total auto insurance policies in 2011. [1]

VA Car Insurance

Car Insurance in Virginia

Car Insurance Liability Requirements in Virginia

  • Minimum Liability Limits in VA: 25/50/20 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 20  Required coverage up to $20,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Virginia

Required Car Insurance Coverage in Virginia
  • Auto Insurance Coverage Requirements in VA [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Note: It is compulsory to buy physical damage insurance or pay an Uninsured Motorists Vehicle (UMV) fee to the state Department of Motor Vehicles.

Car Insurance Verification Laws in Virginia

  • Insurer Verification of Auto Insurance in VA [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify financial responsibility or insurance after an accident or arrest.
    • Insurer must verify randomly selected insurance policies upon request.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Virginia Car Insurance Facts, Estimates & Related Laws

Virginia Car Insurance Facts

Virginia Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in VA
    • Virginia had the 34th highest auto insurance rates in the nation in 2010. [2]
    • Rates in VA ranked 34th in the nation in 2009. [2]
    • In 2008, VA had the 34th highest rates in the country. [2]
  • Number of Auto Insurance Policies in VA
    • Virginia ranked 11th in the nation in auto insurance policies in 2011 with a total of 6,133,687. [1]
  • Uninsured Motorist Rate in VA
    • The uninsured motorist rate in VA ranked 36th in the nation in 2009. [3]

Virginia Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect for texting. Secondary enforcement in effect for drivers younger than 18. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Virginia Automotive Laws

  • Safety Belt Laws in VA
    • Safety belt laws have been in place since 1988 and apply to drivers/passengers 18+ years in front seat. [7]
    • Child restraint law in place for 7 years and younger unless they have a physician exemption19. [7]
  • Motorcycle Helmet Laws in VA
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in VA
    • Renewal cycle: 8 years [7]

Virginia Auto & Driver Facts

Virginia Automotive Facts

Virginia Auto & Driver Facts
  • Speed Limits in VA
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in VA
    • Virginia cities collectively ranked 12th in the nation in total motor fuel consumption in 2011. [9]

Virginia Licensed Drivers

  • Licensed Drivers in VA [10]
    • Total Drivers: 5,467,045
    • Female: 2,820,210
    • Male: 2,646,835
    • VA has the 13th most drivers in the U.S.
  • Minimum Driving Age in VA [5]
    • Virginia has a minimum driving age of 15 years, 6 months.

Virginia Auto Registrations

  • Auto Registrations in VA [8]
    • Registered Cars: 3,827,026
    • Registered Trucks: 2,954,336
    • Registered Motorcycles: 195,829
    • Total Registrations: 6,998,385
    • Rank: Virginia ranked 11th in the United States in total auto registrations in 2011.

Additional information about Virginia

About Virginia

Virginia has a population of approximately 8,001,024, which ranks 12th in the U.S. among all states. [6]

VA Car Insurance

More about Virginia auto insurance

For more information about auto insurance in VA, or for additional resources regarding Virginia car insurance, visit the Virginia Department of Insurance.

Did you know?

As of August 2013, three states (Idaho, Kansas and Minnesota) permit electronic delivery (e-Delivery) of insurance documents.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Virginia Cities