4.8out of 3,000+ reviews

Virginia Car Insurance for High Risk Drivers (With Quotes)

Secure. Free. Easy-to-use.
Car Insurance
Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.

Cheapest Insurance Companies for High Risk Drivers in Virginia (2022)

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

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

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 HistoryAvg. Monthly Cost
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.

No Violation - Avg. Monthly Rate
$186
Speeding ticket - Avg. Monthly Rate
$234
$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.

No Violation - Avg. Monthly Rate
$186
Speeding ticket - Avg. Monthly Rate
$248
$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.

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

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Virginia Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Virginia. Insurify analyzed the latest data for the five most populous cities in Virginia to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Virginia and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

Learn More