Virginia is for lovers...of smoked ham. "The Old Dominion State" isn't only where the English first settled, but it's also where they learned to smoke meat from Native Americans. It's the birthplace of a BBQ treasure.
The Cheapest Car Insurance in Virginia
Requirement : No
Car insurance not required in Virginia . You may opt out of insurance, however, you must register with the Virginia Department of Motor Vehicles as an uninsured motorist. Drivers who don’t wish to register as an uninsured motorist must have a minimum of liability, and uninsured motorist coverage.
Minimum Coverage Car Insurance Requirements:
A minimum liability, and uninsured motorist coverage is required:
Other Car Insurance Coverage Options:
Liability, and uninsured coverage is the only requirements for Virginia motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: No
The Virginia DMB can electronically track your insurance status.
Violations, Fines & Penalties:
A SR-22 may be required after a suspension in order to get your driver’s license reinstated. An SR-22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.
A FR-44 certification must be filed after a:
FR-44 will require an increased liability limit of:
Credit Scores & Determining Your Insurance Premium :
All Virginia drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers should try to find a provider that specializes in high-risk, non-standard drivers.
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Virginia:
Drivers under the age of 18 are banned from using their cell phones while driving. All drivers are prohibited from texting while driving. Texting violations are considered primary offenses. Violators face a $125 fine for first offense, $250 fine for subsequent offenses.