Car Insurance in Virginia

Finding the right car insurance in Virginia

It is smarter to choose the right amount of coverages for your car insurance than opting for minimum requirement. This can vary depending on the car make, age and various other factors.

Insurance companies packs the coverages differently. So it is always better to get quotes from different companies to see who offers the best price.

Get a free online quote from different companies which only takes a couple of minutes.

Car Insurance Laws in Virginia

You must have car insurance when you are registering a vehicle. It is enough to have the minimum coverage as set by Virginia state (25/50/20). But it will be sensible to get more coverage than the minimum to avoid spending cash on additional damage costs that your insurance doesn't cover.

Alternatively, you can apply for Uninsured Motorist Vehicle(UMV)Fee: This does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk. Although this option satisfies the requirements of the law, it does not constitute insurance, and your home, wages, and other assets may be taken to pay any valid claims against you.

Penalty for Driving without Car Insurance in Virginia

It is illegal to drive in Virginia without insurance. It is also not sufficient to have car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Virginia.

You will have to face severe charges if you do not show proof of insurance when asked. If you do not have insurance coverage, your license can get suspended and the vehicle impounded and you will be charged with Class 3 misdemeanor.

Car Insurance Support in Virginia

If you can't afford to have standard car insurance, you can apply for UMV which costs $500 for 12 months. This allows you to drive uninsured at your own risk, without facing any penalties.

Virginia provides Virginia Automobile Insurance Plan (VAIP) to high-risk drivers which assigns you to a registered insurance company to provide insurance to you. You can continue with this plan until the accident and violations are removed from your record. Once your driving record is clear, you can apply for standard insurance. You can visit https://www.aipso.com/PlanSites/Virginia.aspx to get insurance using VAIP.

References

• Virginia Bureau of Insurance
• Virginia Department of Motor Vehicle