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If you are new to Virginia, then you have to start over and learn what you can about the laws here. In all probability, the legal requirements here will be a bit different from the state you lived in before. Don’t take things for granted as the little details will matter when you’re forced to use your insurance plan. The most crucial facts have been listed in this article for your perusal. also has a search box that you can use to capture quotes from your area in just one click. Take advantage of this tool to acquire cheap car insurance in Virginia.
You simply should not drive without proper insurance. If you insist on doing so, you run the risk of getting caught by officers. You might have to pay a hefty fine or worse. Drive with confidence by getting a good insurance plan and carrying the relevant papers at all times. Virginia laws do not mandate PIP coverage. However, UM/UIM is required with the minimum amounts being on par with the liability rates. The table below summarizes the rates in an orderly fashion:
| Coverage | State Requirements | Most Common |
| Bodily Injury Liability | 25,000/50,000* | 100,000/300,000 |
| Property Damage Liability | 20,000* | 50,000 |
| Uninsured Motorist Bodily Injury | 25,000/50,000* | 100,000/300,000 |
| Medical Expense Benefits | Not required* | 5,000 |
| Collision | Not required* | 250 deductible |
| Comprehensive | Not required* | 0 deductible |
Consult this table before signing an insurance contract to ensure that the plan features adequate coverage. After which, you may brush up on some traffic rules for the state, specially the speed limits which are as follows:
| Speed Limits | |
| Rural Interstate Roads | 70 miles/hr |
| Urban Interstate Roads | 70 miles/hr |
| Other Limited-Access Roads | 65 miles/hr |
| Other Roads | 65 miles/hr |
If you wish to seek clarification about any of the information presented here, you can go ahead and visit any of the pertinent government websites for answers. They are full of helpful articles and the latest news in vehicle insurance. Virginia Department of Motor Vehicles leads the way with guides on ID application, license renewal, and other online services:
Virginia Bureau of Insurance:
Official Website of Virginia:
Before filing an application, sit down and evaluate your strengths and weaknesses. What are the things that make you a desirable client? What are the things that might make them think twice and charge you with a higher fee? Generally, insurance companies like it when their potential clients have excellent credit scores and have unblemished driving records. It also helps if you are a low mileage driver. If the car you’re driving has a light color and has anti-theft sensors installed, then you might even get some discounts.
Do the responsible thing and get a good insurance policy now. Don’t worry about the cost as we can help you find one with ample coverage and a reasonable cost. Our search tool is incredibly easy to use so make the most of it.
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