Direct Auto Insurance is proud to offer auto insurance in Virginia. At Direct, our service extends to those who may not be accepted by other Virginia auto insurance companies. We offer affordable auto insurance quotes, regardless of past credit score or driving history, flexible auto insurance coverage plans to fit your needs, and easy access to agents in your neighborhood, online or over the phone.
Below is some information and answers to common questions about Virginia Auto Insurance:
Where do I find the cheapest car insurance in Virginia?
Virginia car insurance rates can vary depending on your driving record, the type of vehicle you drive, and of course, the amount of coverage you choose. One of the first places to start your search for cheap auto insurance quotes in Virginia is to decide how much coverage you are required to maintain.
Minimum Requirements for Car Insurance in Virginia
Virginia requires all vehicles you have registered to be covered by insurance that includes:
- Bodily Injury Liability coverage of at least $25,000 to cover injury or death to any one person that results from an auto accident, and $50,000 to cover injuries to or death of more than one person resulting from an single auto accident.
- Property Damage Liability coverage of at least $20,000 to cover damage to the property of others caused by an auto accident.
- Uninsured Motorist coverage of $25,000 for bodily injury per person and coverage of $50,000 for property damage.
Coverage Definitions
Bodily Injury Liability (BIL): covers the damages resulting from physical injuries or death that you or those insured on your policy cause someone else as a result of an auto accident. Bodily Injury Liability coverage can also be used to pay for legal defense costs in the event you are sued by the injured party of an accident. The “limit” is the maximum amount your insurance company will pay for bodily injury damages.
Property Damage Liability (PDL): covers the damages that you or those insured on your policy cause to another person’s property while operating your vehicle. This covers damage to a third party's property such as vehicles, poles, fences, etc. The “limit” is the maximum amount your insurance company will pay for property damage.
Uninsured Motorist Auto Coverage: pays for bodily injury and, in certain states, property damage sustained by you and other passengers in your covered vehicle in an accident for which the person legally liable does not have auto liability insurance or cannot be identified. In some states it also includes coverage for damages caused by at-fault drivers who have insufficient insurance to pay your claim.
What happens if I don’t have the minimum coverage?
Virginia law requires that all motor vehicles registered in the state maintain liability insurance coverage and carry proof of insurance in vehicles at all times. Drivers caught without the proper minimum coverage are subject to punishment such as fines and suspended licenses. Direct offers cheap auto insurance policies with instant proof of insurance to make finding auto insurance quick and hassle-free.
Are there additional coverage options?
Direct not only offers the required coverage for Virginia drivers, but also offers additional coverage such as comprehensive, collision and uninsured motorist coverage. Direct also offers motorcycle insurance and road side assistance.
Check out the Auto Insurance Coverage page to discover other protection coverage Direct has to offer.
Need More Information?
If you still have questions, would like to learn about other Virginia auto insurance options like Uninsured Motorist Coverage, or if you would like to get an affordable auto insurance quote, then contact Direct Auto Insurance: online, over the phone (1-877-GO-DIRECT), or at one of our office locations.
Other Resources
Virginia – Direct Auto Insurance Locations