Buy Cheap Virginia Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$20,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident
Underinsured Motorist
Combined with uninsured motorist coverage
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Virginia Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
There is no ban.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
Yes
In Virginia, text messaging is banned for all drivers.
DUI Laws
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Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.15 and .20
There are increased penalties for drivers with a BAC of 0.15 and .20 or above.
1st offense Suspension:
7 days
Administrative license suspension on the 1st offense: In Utah, law enforcers can confiscate a first-time offender's driver's license for 7 days if he or she exceeds the legal limit.
Ignition Interlocks:
Mandatory for all offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Virginia made the installation of ignition interlocks mandatory for all offenders.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for at least one year, impoundment or immobilization of offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and imprisonment or community service for a second-time offender. Third-time and further offenders can see longer imprisonment or community service sentences.
Open Container Law:
None
None in Virginia.
Graduated Drivers License
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Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years and six months of age, individuals can begin driving with supervision for a period lasting a minimum of nine months. In this stage, the new drivers are required to get 45 hours of supervised driving, 15 of which need to be at night.
Intermediate Stage:
Min. Age: 16.25
Night Driving Restriction: Midnight-4am
Passenger Restriction: No more than 1 passenger under 21 (first year), no more than 3 passengers under 21 (for the rest of the period)
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 and three months are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of midnight and 4am and cannot drive with more than one passenger under 21 for the first twelve months and no more than three passengers under 21 for the rest of the intermediate stage.
Full Privilege Age:
Age: 18
(Full driver's license): At the age of 18, Virginia drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Urban Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Other Limited Access Roads:
SPEED LIMIT
65
MPH
SPEED LIMIT
65 MPH
Page Source: ghsa.org
Buy Cheap Virginia Auto Insurance in 2024
Department of Insurance
Website: https://scc.virginia.gov/pages/Home
Address: Tyler Building, 1300 E. Main St., Richmond, Virginia 23219
Phone: 804-371-9741 or 1-800-552-7945
Buy Cheap Virginia Auto Insurance in 2024
DMV Information
Website: www.dmv.state.va.us/
Phone: 804-497-7100