Top 10 Virginia Car Insurance Companies
Just because GEICO and Allstate are the highest-rated Virginia car insurance companies doesn't mean they'll have the best rates for you. Your Virginia car insurance rates will vary based on the kind of car you drive and the level of coverage you need. Refer to our top ten list to find the right Virginia car insurance company for your needs, and enter your ZIP code below to compare Virginia car insurance quotes.
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UPDATED: Sep 5, 2020
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Most Virginia drivers agree that although they are not required by law to carry car insurance, it is a very good idea to insure your vehicle with one of the top 10 Virginia car insurance companies. When you are purchasing car insurance, the general state requirement is “25/50/20” coverage pertaining to accidents in which you as a driver are at fault. You can get FREE car insurance quotes with our ZIP code search!
After paying the Uninsured Motor Vehicle charge, any resident driver can travel freely on roads and highways throughout the state. Compare quotes to make sure you’re covered with our FREE quote comparison tool! An uninsured driver is liable for any injuries or damages he or she causes to other drivers, passengers, pedestrians, and property while driving a vehicle.
This translates to:
- $25,000 in physical injury protection for the fatal injury or immediate death of another individual caused by an accident
- $50,000 physical injury insurance for everyone affected in an accident
- $20,000 reimbursement for damages caused to property during an accident
The Top-10 Rated Car Insurance Companies in Virginia
Car insurance rates for Virginia drivers can vary according to the driver’s zip code and county of residence. These rates can actually differ by up to 25% when comparing rates in various regions of the state.
Keeping this information in mind, the following insurers are the ten leading Virginia car insurance companies:
The most popular insurance company in the US, Geico insures nationwide, offering numerous car insurance discounts of 15% and above as well as highly competitive rates. Vehicle insurance policies are comprehensive and versatile in Virginia, continuing to offer drivers the latest coverage updates and initiatives.
Rates are reasonable and varied. Safe driving bonuses and deductible rewards are impressive.
With AllState car insurance, you receive comprehensive coverage at very reasonable prices. This company provides Virginia drivers with both accident forgiveness consideration and a healthy safe driving bonus perk.
AllState agents in Virginia like to emphasize their sales policy of highest quality products at the lowest possible prices.
This innovative car insurer likes to place value on new initiatives in the car insurance industry, including their unique “Name Your Price®” feature.
With the aid of this tool, well-informed agents can best help you find coverage and combinations of coverage best suited to your car insurance needs and your budget.
4. State Farm
When currently insured drivers make a change to State Farm car insurance coverage, they can take advantage of up to 40% savings in premium costs. This promotional feature. along with other driver discounts throughout the year, attract many new customers and keep valuable currently insured clients well satisfied.
Farmers Auto Insurance offers excellent rates throughout the state of Virginia. Agents explain thoroughly the very latest rate changes and policy choice initiatives, always looking for the best possible coverage to meet each client’s specific requirements.
As a Virginia driver, you can gain valuable financial information and advice by consulting Nationwide Financial Services to assist you in determining the car insurance policy most compatible with your needs as a driver and your current and future financial overview and projections.
In addition, for every year of driving safely, you will receive $100 off on your car insurance deductible.
This insurer was among the very first to offer drivers an attractive discount (10%) on insurance for hybrid cars as an example of their involvement in promoting eco-friendly products.
They also emphasize that the best coverage should be the least costly to you as the customer.
Along with numerous featured and seasonal discounts, Esurance offers discounted rates to owners and leasers of multiple vehicles.
They also promote the convenience of online car repair monitoring to aid you in following car maintenance procedures.
This car insurance company continuously reaches out to new customers, especially new drivers who are not familiar with many of the protective and beneficial aspects of good vehicle insurance coverage.
In addition, Elephant is always glad to welcome return customers back as ongoing satisfied clients.
If you are a Virginia driver over 50 years of age, you can enjoy savings upwards of $300 per year in premium costs with an AARP car insurance policy. Through TheHartford, AARP offers impressive rates throughout the state of Virginia.
Virginia Car Insurance Rates
Whether you are a single-car driver or own five different vehicles, you will find Virginia’s car insurance rates quite reasonable. Even if your driving record is less than spotless, you will be pleased at the current car insurance pricings, especially when compared with those of other states.
Nevertheless, it is always advisable to compare rates from no less than three different car insurers before purchasing automobile insurance. The following table displays a comparison of car insurance rates for Virginia and the US according to driver category and year.
Virginia’s median rate of 521 for all drivers for a six-month car insurance policy makes the state number 7 in the national ranking of car insurers with the best available rates during 2011.
The majority of Virginia drivers agree that the overall benefits of carrying good quality car insurance definitely outweigh the cost factor. Remember, vehicle insurance affords you both financial and legal protection. You want to obtain the most comprehensive, reliable coverage available at the lowest possible cost to you as the insured driver.
Types of Car Insurance Available in Virginia
Since the car insurance industry is regulated in the United States, terms of coverage remain consistent on a nationwide basis. In the current market, the seven major types of vehicle insurance coverage offered are the following:
Required by the majority of states in the US, liability protection insures against damages and bodily harm to others which are caused by a vehicular accident in which you, as a driver, are at fault. This is the most widely purchased type of car insurance.
In states which have no-fault insurance laws, liability insurance will cover the damages you cause. However, it is important to know that all damages or injuries which exceed the limits of your policy coverage can result in personal liability and a lawsuit against you.
Bodily Injury Liability
A wide majority of states have laws requiring all drivers of vehicles to carry this insurance. This type of coverage offers reimbursement for medical treatment and expenses for any injuries to both drivers and passengers in other vehicles involved in an accident with your car.
This kind of liability insurance covers any appraisable damage caused to property owned by people other than the driver of a car which is involved in an accident.
For example, if you should drive your car into a fence or commercial sign, you are at fault but protected by your property damage insurance.
This very valuable insurance coverage protects drivers against on-road damage, such as a head-on collision or fender-bender. In broad terms, it protects drivers from all resulting damage if they should hit another vehicle while behind the wheel of a moving car.
Comprehensive Car Insurance
This type of coverage is not actually a requirement of any state’s existing laws. However, it is probably the most valuable kind of auto insurance to carry in order to protect your own car.
While states are obligated to enforce driver coverage by insurance to protect and ensure safety of the public (e.g., liability insurance), they are not required to force drivers to purchase insurance protection for their own personal property.
Yet, for drivers, it is a definite advantage to have this coverage, especially since it protects against nearly all damage to their cars and against car theft.
Personal Injury Protection (PIP)
Usually required in those states having no-fault insurance laws, PIP covers costs of medical treatment for injuries caused by vehicle accidents of policyholders. This coverage is optional, but every responsible driver should really have this type of protection.
Underinsured and Uninsured Motorist Coverage (UIM)
In some states, more than 30% of all drivers are currently uninsured. For this reason, it is a good idea for drivers to carry UIM insurance protection, since the odds of any driver’s car being hit by either an underinsured or uninsured driver are relatively high.
In many states, it now is a requirement for all drivers to have UIM coverage.
Reducing Your Virginia Car Insurance Rates
There are several major ways in which you can reduce your current car insurance rates as a resident driver in the state of Virginia, including:
- Increase your deductibles: If you are a two-car-family member or individual, by owning two vehicles, you can easily raise your deductibles from $100 to $500, perhaps saving $200 – $500 per year on premium payments.
- Use the same insurance company for insuring your vehicle and your home: The majority of comprehensive insurers have a “multi-policy” discounted rate of 5% to 15% for customers who choose to insure both their cars and homes with the same carrier.
- Install the latest theft prevention and vehicle safety equipment in your car, and notify your insurer that you have done this to receive another discount on your car insurance rate.
Always obtain car insurance rate quotes from several different insurers servicing your locale with our FREE ZIP code search before purchasing car insurance in the state of Virginia.
Since there are many different types of policies, all with multiple mandatory and optional features, benefits, and specifications, each driver has a unique set of needs and requirements to address when purchasing car insurance.
Seek good professional advice from highly qualified and experienced agents, and update your policy whenever your profile or protection factors change. Virginia car insurers offer full-service coverage at extremely reasonable rates, so enjoy having the very best coverage while you drive safely. Compare FREE car insurance quotes today and save!