Arlington National Cemetery, the Blue Ridge Mountains, Jamestown and the Shenandoah Valley are just a few of Virginia’s destinations that bring visitors flooding into the state all year long. George Washington, Thomas Jefferson and Robert E. Lee called “The Old Dominion” home, and the colonial era is still alive with re-enactments and world class collections all across the state. Virginia’s coastline provides mesmerizing Atlantic panoramas, and the Blue Ridge range is home to a host of mountain wildlife which can be spotted from a number of drives through the state. Whether driving through the mountains, cruising along the coastline or pulling up to historic Mt. Vernon, CheapCarInsurance.net wants to make sure Virginia drivers are protected and informed. All the useful facts for driving and insuring in Virginia have been picked from all over and organized right here.
The average cost for car insurance in Virginia is $1,485 a year for a full coverage policy. The auto insurance rates you get may vary based on your personal demographics, age, current city and vehicle type.
Below is a breakdown from our CCI insurance costs database by city and vehicle type:
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The Virginia Department of Motor Vehicles offers 2 requirements for drivers who own a state-registered vehicle: Liability Insurance and Uninsured Motorist Coverage. Drivers wishing to forego insurance may choose to pay an Uninsured Motorist Vehicle Fee. The fee allows drivers to abstain from insuring their vehicle; however, in the event of damage or injury resulting from an accident the driver caused, any and all assets may be seized to pay for the damages.
The Virginia Bureau of Insurance has produced a helpful brochure for car insurance purchasers entitled Auto Insurance Consumer’s Guide.
According to the Virginia Department of Motor Vehicles (DMV), every driver in the state must possess a valid driver’s license within 60 days of residency. New drivers may apply for a Learner’s Permit (explained below) at age 15 years, 6 months, and they may apply for a Driver’s License at age 16 years, 3 months.
To obtain a permit or a license, the applicant must successfully pass the vision and knowledge tests. The road skills test is required only for the driver license, and it cannot be taken prior to holding a permit for at least 60 days. Different ages have certain requirements that must be fulfilled:
Included in the driver education criteria must be 14 in-car instruction periods. These periods must be evenly divided between behind-the-wheel driving and in-car observation of other student drivers.
The permit allows the applicant to drive only with:
If the permit holder is between 16 years, 3 months and 18 years of age, he/she may drive alone provided:
The following tests must be successfully completed be each applicant:
State Corporation Commission
Bureau of Insurance
1300 E. Main St.
Richmond, VA 23219
1-800-552-7945 (in-state only)
Virginia Department of Transportation
1401 E. Broad St.
Richmond, VA 23219
Virginia Department of Motor Vehicles
2300 W. Broad St.
Richmond, VA 23269