Virginia Auto Insurance Quotes

If you're in need of information and price quotes on Virginia auto insurance coverage, you are in the right place. We've gathered comprehensive information on what coverage is required in Virginia and what coverage is considered optional. Get to know the auto insurance laws so that you can determine which type of policy will keep your vehicle legal and protect your assets in the event of a motor vehicle accident. Once you know what coverage levels you want to purchase, you can get price quotes from insurance companies that are authorized to provide coverage to Virginia motorists.

Virginia Liability Insurance Requirements

Virginia requires that all motorists maintain liability insurance coverage on their vehicles.  This goes for any registered vehicle, whether it is being used or not.  Liability insurance covers you in the event that you are involved in an automobile accident and bodily injuries or property damage are caused.  Bodily injuries for one person in one accident must be covered by a minimum of $25,000 in liability insurance.  All bodily injuries in one accident must be covered by a minimum of $50,000 in liability insurance.  The minimum required coverage for property damage is $20,000 in liability insurance.  Virginia also requires that motorists purchase and maintain uninsured motorist coverage for all registered vehicles.

Virginia Proof of Insurance

You are required to maintain proof of valid insurance coverage in Virginia.  The Department of Motor Vehicles has an electronic reporting system that allows insurance carriers to share information about policy renewals, changes, and cancellations.  If there is a discrepancy, you may be asked to send in valid proof of insurance.  You also need to carry proof of insurance in your vehicle at all times in case you are involved in an accident or pulled over for a traffic violation.  This proof of insurance is usually in the form of a current insurance identification card that includes your name, the name of your insurance company, the liability limits on your policy, your vehicle's description, and the effective and expiration dates of the policy.

Penalties for Driving Without Insurance

Insurance must be maintained on your vehicle at all times, even if you take it off the road for repairs.  If you do not have valid insurance, there are several penalties that can be imposed.  You may have to pay a $500 fee and other reinstatement fees.  Your driver's license and vehicle registration can be suspended.  You may also have to file an SR-22 (financial responsibility insurance certificate) for a period of three years.