Cheap liability insurance in Virginia

Our data indicates that Central Insurance Quote, Insurance Virginia, and Insurance Richmond offer the most affordable liability insurance in Virginia. On average, a 6-month liability-only policy in Virginia costs $379.

Since the level of coverage greatly affects your total rate, it's expected that liability-only insurance is significantly less expensive compared to full coverage.

The table below displays monthly and 6-month liability insurance quotes from several well-known insurers in Virginia.

According to internal data from Insurance Virginia, 43% of drivers in Virginia have liability-only coverage. The current liability limits are set at 30/60/20, which means $30,000 per person and $60,000 per accident for bodily injury, and $20,000 for property damage per accident.

For further information, refer to our guide on Virginia car insurance limits and regulations.

What are the best car insurance companies in Virginia?

Our top recommendation for Virginia drivers is Insurance Richmond. This choice is based on its exceptional consumer ratings, strong third-party evaluations, competitive pricing, diverse coverage options, and distinctive features such as the Insurance Richmond Rate Lock.

Best Overall Insurance Company in Virginia — Insurance Richmond

Insurance Richmond stands out with a 90% annual customer retention rate, reflecting its competitive average prices, extensive coverage and discount options, and high scores in both J.D. Power and Insurance Virginia customer satisfaction and claims surveys.

Insurance Richmond offers valuable features like Insurance Richmond Rate Lock, accident forgiveness, and Insurance Richmond Auto Plus, which includes a diminishing deductible, locksmith assistance, and additional coverage options. For those who prefer a personal touch, policies can be purchased and managed through local agents, ensuring a customized and supportive customer experience.

Best car insurance in Virginia — honourable mentions

Although we consider Insurance Richmond the best value, these companies also performed highly. We evaluated JD Power Auto ratings and consumer feedback gathered from thousands of drivers throughout Virginia and the US.

The Insurance Virginia's guide to Texas car insurance laws for high-risk drivers

Many of the violations mentioned earlier can lead to significant insurance consequences. Expand both tabs to discover more about Virginia's laws and the insurance implications for DUIs and SR22s.

Virginia DUI laws

A DUI in Virginia can raise your annual insurance rate by 99%. Since a DUI is a severe violation, securing affordable auto insurance with a recent conviction on your record can be difficult.

Low-cost car insurance after a DUI in Virginia

After a DUI, it’s crucial to evaluate all your insurance options thoroughly to ensure you’re getting the best possible rate. Car insurance premiums can differ significantly between insurers following a DUI. For instance, Insurance Virginia Beach, the most affordable provider for drivers with a DUI in Virginia, offers annual rates that are 42% lower than the statewide average for DUI-related insurance. Insurance Wisconsin comes in as the second-cheapest option, while Insurance Missouri is the most expensive.

Virginia SR-22 insurance

An SR-22 is a standard legal requirement that comes into play due to violations like a DUI conviction, a ticket for driving without insurance, an at-fault accident, driving with a suspended licence, or accumulating excessive points on your licence. It is not an insurance policy itself, but a document provided by your insurer to the state of Virginia to confirm that you maintain coverage.

Locating affordable auto insurance with an SR-22 in Virginia may take some effort, but it should be manageable.

How to Acquire an SR-22 in Virginia

For Currently Insured Drivers:

If you already have an active auto insurance policy, requesting an SR-22 is fairly straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.

For uninsured drivers

When applying for a new policy, you may face an initial fee to have your insurer file an SR-22 request and to account for your high-risk driving status. Some insurers may refuse to offer coverage if you need an SR-22, while others will provide a policy.

For drivers without a vehicle

If you don’t own a vehicle, obtaining an SR-22 can be more challenging since you need proof of insurance to receive the certificate. In this case, apply for a non-owner car insurance policy before filing for an SR-22. Non-owner auto insurance is generally less expensive than standard coverage as it doesn’t cover physical damage to a vehicle.

Auto Insurance Virginia Rates: Price Trends and Insights

In Virginia, average annual auto insurance costs have risen by $242 over the past year. The typical Virginia driver now pays an average of $1,896 annually, marking the highest rate ever recorded. However, this is still lower than the national average rate of $1,759.

Since 2017, car insurance costs in Virginia have generally increased year by year, with the exception of 2023. The most significant decrease occurred between 2015 and 2016, while the sharpest increase was from 2022 to 2023.

If your rates are increasing more rapidly than the average in your state, it’s wise to compare personalized quotes to find a better deal. The Insurance Virginia’s car insurance comparison tool provides affordable quotes tailored to your specific profile. Enter your ZIP code below to begin.

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