Cheap Car Insurance for High-Risk Drivers in Virginia:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in Virginia (2021)

For drivers that are high-risk in Virginia, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Virginia. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Virginia.

What Makes a Driver High-Risk in Virginia?

After they've earned their license, drivers in Virginia are expected to follow the rules of the road. Nobody's perfect, and people make mistakes. But people who make the same mistakes over and over again are considered high-risk.

Speeding, running red lights, and reckless driving are all high-risk behaviors recognized by car insurance companies. Causing an accident or having a DUI can also land you in this category. High-risk drivers are nearly guaranteed to make a claim eventually. Imposing higher rates on these drivers is how car insurance companies make up for the eventual claims.

Virginia Car Insurance Rates for High-Risk Drivers
Average Monthly Cost
$186
$234
$248
$266
$228
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Virginia?

Once car insurance companies get wind of a driver's high-risk driving record, rates can increase dramatically. Risky drivers in Virginia should expect to see rate increases of $42 to $80 a month. Motorists should also consider how much these increased premiums will cost them over time.

Car insurance companies increase rates for poor driving behavior for three to five years at a time. With that time frame in mind, high-risk driving can cost you as much as $4,800 altogether.

Driving History
No Violation$186
Speeding Ticket$234
At-Fault Accident$248
Reckless Driving$266
Failure to Stop$228

How Much Does a Speeding Ticket Impact Car Insurance Rates in Virginia?

Besides earning you a ticket and adding points to your record, speeding can increase monthly insurance rates by as much as $48. Driving 20 mph over the speed limit can result in a reckless driving charge. For a charge like that, expect to pay $80 more a month in premiums.

$186
$234
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$48 ▴Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Virginia?

No one means to cause an accident. Still, it happens. In addition to paying for the other driver's costs, the at-fault motorist has to shell out more for car insurance. The difference in policies between drivers with and without an at-fault accident on their record amounts to $62 a month.

$186
$248
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$62 ▴Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Virginia?

The average car insurance bill for those with a failure to stop on their record is $228—or $42 more than the driver without this kind of violation. Calculated over five years, not stopping in Virginia will cost you $2,520 in extra insurance premiums.

$186
$228
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$42 ▴Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Virginia?

After they've earned their license, drivers in Virginia are expected to follow the rules of the road. Nobody's perfect, and people make mistakes. But people who make the same mistakes over and over again are considered high-risk.

Speeding, running red lights, and reckless driving are all high-risk behaviors recognized by car insurance companies. Causing an accident or having a DUI can also land you in this category. High-risk drivers are nearly guaranteed to make a claim eventually. Imposing higher rates on these drivers is how car insurance companies make up for the eventual claims.

Tips for Researching High-Risk Virginia Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Virginia draws a wide variety of choices when factoring high-risk driving insurance rates.

Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

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Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.