Car Insurance in Virginia

car insurance in Virginia
Cotización
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

Drive Safely With Virginia Auto Insurance

If you want to learn more about buying car insurance in Virginia or want to get a Virginia auto insurance quote, you’ve come to the right place. El documento AARP® Auto Insurance Program from The Hartford1 has been providing car insurance protection to Virginia AARP members and their families since 1984.
 
Virginia drivers should have peace of mind behind the wheel. Whether you’re traveling the Blue Ridge Parkway or taking a road trip along the shoreline, you can feel secure with car insurance from the AARP Auto Insurance Program from The Hartford. With a reputation for integrity and trust, The Hartford has earned high ratings for claim service from our customers.
 

Does Virginia Require Car Insurance?

Drivers in Virginia are required to carry a state minimum amount of bodily injury and property damage liability coverage or pay an uninsured motor vehicle fee. By law, the state requires the following minimum liability auto insurance coverage limits in Virginia:2
 

Proof of Car Insurance Required in Virginia

If you’re involved in an accident and a police officer or another driver requests to see it, Virginia state law requires you to show a copy of your car insurance ID card.
 
If you’re a licensed driver in the state of Virginia, it’s smart to keep a copy of your car insurance ID card in your vehicle, along with your registration. Virginia is also among several states that accept electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™
 

Additional Car Insurance Coverages Available to Virginia Drivers

For added protection, Virginia drivers may also be eligible for the following las coberturas de seguro para autos from the AARP Auto Insurance Program from The Hartford:
 

Common Questions About Car Insurance in Virginia

How Much Is Car Insurance in Virginia?

According to the Insurance Information Institute (III), the average cost of auto insurance in Virginia in 2017 was about $70 per month or $820 per year.3 Car insurance rates vary based on several factors, but there are things you can do to help lower your rates and get cheap car insurance, including:
 
  • Bundle your auto and home insurance: When you bundle these two types of insurance from The Hartford, we’ll give you up to 5% off on your auto insurance and up to 20% off on your condo, renters or home insurance.**
  • Keep a clean driving record: Your insurance company will be less likely to raise your insurance rates if you drive safely and don’t have any car accidents.
  • Take advantage of discounts and savings: With The Hartford, you’ll get ahorros y descuentos en el seguro para autos exclusively for AARP members.

Can You Register a Car in Virginia Without Insurance?

It is possible to register a car in Virginia without insurance, however you will need to pay an uninsured motor vehicle fee.2 You might be tempted to save money by paying the fee instead of buying the minimum amount of insurance coverage in Virginia, but you would then be liable for paying out of pocket if you are in an accident. To protect yourself and your finances, purchase full coverage Virginia auto insurance. If you don’t have coverage, you could be stuck paying for someone else’s medical bills and property damage if you’re responsible for an at-fault accident.
 

Does Insurance Follow the Car or Driver in Virginia?

Usually, car insurance covers the car. So, if someone else is driving your car and they get into an accident, your insurance company helps cover the claims. If you know who will be driving your car on a regular basis, it is best to add them to your policy.
 

Is Virginia a Fault or No-Fault State?

Virginia is an at-fault state, which means that the person who is responsible for the accident has to pay the other person’s expenses, including physical damage to their car or medical bills. Many no-fault states require drivers to purchase Personal Injury Protection (PIP) coverage, while other states don’t offer this coverage. In Virginia, PIP coverage, sometimes called no-fault insurance, is an optional coverage that Virginia drivers can purchase.
 
To find out more about Virginia auto insurance, call our representatives at 888-413-8970. They can help answer any questions you have about costs and types of car insurance in Virginia. You can also get a quote online.
 
 
Last Updated: October 16, 2023
 
2 Virginia Department of Motor Vehicles, “Insurance Requirements”
 
3 Insurance Information Institute, “Facts + Statistics: Auto insurance”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
 
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
 
§§ Se aplican términos y condiciones.
 
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
 
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
 
Divulgaciones adicionales a continuación.
definición del seguro para automóviles

Explicación simple sobre el seguro para autos

Respuestas rápidas y definiciones de seguro para automóviles fáciles de entender pensadas para usted.
 
Para conocer más, visite nuestra página de definiciones del seguro para automóviles .
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.