Drive Safely With Virginia Auto Insurance
If you want to learn more about buying car insurance in Virginia or want to get a Virginia auto insurance quote, you’ve come to the right place. The
AARP® Auto Insurance Program from The Hartford
1 has been providing car insurance protection to Virginia AARP members and their families since 1984.
Virginia drivers should have peace of mind behind the wheel. Whether you’re traveling the Blue Ridge Parkway or taking a road trip along the shoreline, you can feel secure with car insurance from the AARP Auto Insurance Program from The Hartford. With a reputation for integrity and trust, The Hartford has earned high ratings for claim service from our customers.
Does Virginia Require Car Insurance?
Drivers in Virginia are required to carry a state minimum amount of bodily injury and property damage liability coverage or pay an uninsured motor vehicle fee. By law, the state requires the following minimum liability auto insurance coverage limits in Virginia:2
Proof of Car Insurance Required in Virginia
If you’re involved in an accident and a police officer or another driver requests to see it, Virginia state law requires you to show a copy of your car insurance ID card.
If you’re a licensed driver in the state of Virginia, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Virginia is also among several states that accept electronic proof of car insurance. With The
Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the
Google Play™ or
App Store.™
Additional Car Insurance Coverages Available to Virginia Drivers
For added protection, Virginia drivers may also be eligible for the following
car insurance coverages from the AARP Auto Insurance Program from The Hartford:
Common Questions About Car Insurance in Virginia
How Much Is Car Insurance in Virginia?
According to the Insurance Information Institute (III), the average cost of auto insurance in Virginia in 2017 was about $70 per month or $820 per year.3 Car insurance rates vary based on several factors, but there are things you can do to help lower your rates and get cheap car insurance, including:
- Bundle your auto and home insurance: When you bundle these two types of insurance from The Hartford, we’ll give you up to 5% off on your auto insurance and up to 20% off on your condo, renters or home insurance.**
- Keep a clean driving record: Your insurance company will be less likely to raise your insurance rates if you drive safely and don’t have any car accidents.
- Take advantage of discounts and savings: With The Hartford, you’ll get car insurance discounts and savings exclusively for AARP members.
Can You Register a Car in Virginia Without Insurance?
It is possible to register a car in Virginia without insurance, however you will need to pay an uninsured motor vehicle fee.2 You might be tempted to save money by paying the fee instead of buying the minimum amount of insurance coverage in Virginia, but you would then be liable for paying out of pocket if you are in an accident. To protect yourself and your finances, purchase full coverage Virginia auto insurance. If you don’t have coverage, you could be stuck paying for someone else’s medical bills and property damage if you’re responsible for an at-fault accident.
Does Insurance Follow the Car or Driver in Virginia?
Usually, car insurance covers the car. So, if someone else is driving your car and they get into an accident, your insurance company helps cover the claims. If you know who will be driving your car on a regular basis, it is best to add them to your policy.
Is Virginia a Fault or No-Fault State?
Virginia is an at-fault state, which means that the person who is responsible for the accident has to pay the other person’s expenses, including physical damage to their car or medical bills. Many no-fault states require drivers to purchase Personal Injury Protection (PIP) coverage, while other states don’t offer this coverage. In Virginia, PIP coverage, sometimes called
no-fault insurance, is an optional coverage that Virginia drivers can purchase.
To find out more about Virginia auto insurance, call our representatives at
888-413-8970. They can help answer any questions you have about costs and types of car insurance in Virginia. You can also
get a quote online.
Last Updated: October 16, 2023
2 Virginia Department of Motor Vehicles, “Insurance Requirements”
3 Insurance Information Institute, “Facts + Statistics: Auto insurance”
