Having auto insurance is essential for protecting yourself and your vehicle from unforeseen circumstances. In Virginia, it is mandatory to have car insurance to legally drive on the roads. With a plethora of car insurance companies to choose from, it can be challenging to determine which one best fits your needs. In this article, we will discuss the best car insurance in Virginia based on coverage, customer service, and premiums.
Top 5 Car Insurance Companies in Virginia
After extensive research and analysis, we have listed the top five car insurance companies in Virginia:
Car Insurance Company |
Coverage Offered |
Customer Service |
Premiums |
|---|---|---|---|
State Farm |
Comprehensive, Liability, Collision, Personal Injury Protection, Underinsured/Uninsured Motorist, Roadside Assistance |
Excellent |
Affordable |
Geico |
Liability, Collision, Comprehensive, Medical Payments, Personal Injury Protection, Roadside Assistance, Mechanical Breakdown Insurance, Rental Reimbursement, Emergency Road Service |
Good |
Affordable |
USAA |
Liability, Collision, Comprehensive, Personal Injury Protection, Roadside Assistance |
Excellent |
Affordable |
Nationwide |
Liability, Collision, Comprehensive, Medical Payments, Personal Injury Protection, Roadside Assistance, Uninsured/Underinsured Motorist, Gap Insurance |
Good |
Average |
Progressive |
Liability, Collision, Comprehensive, Medical Payments, Uninsured/Underinsured Motorist, Roadside Assistance, Rental Reimbursement, Custom Parts and Equipment Value, Gap Insurance |
Good |
Average |
State Farm
State Farm is the largest insurance provider in the United States and has a strong presence in the state of Virginia. They offer an array of coverage options, including comprehensive, liability, collision, personal injury protection, underinsured/uninsured motorist, and roadside assistance. State Farm’s customer service is top-notch, and they have received an A+ rating from the Better Business Bureau. In terms of premiums, State Farm offers affordable rates, making them an excellent choice for those on a tight budget.
State Farm also offers discounts for good driving, having multiple vehicles, and being a student. They also have an app where policyholders can manage their policy, file a claim, and get roadside assistance.
Overall, State Farm is an excellent choice for those seeking comprehensive coverage, excellent customer service, and affordable premiums.
FAQ:
What is the minimum car insurance requirement in Virginia?
In Virginia, the minimum car insurance requirement is liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury or death. Additionally, drivers must have property damage liability coverage of at least $20,000 per accident.
Several factors affect car insurance premiums in Virginia, including age, driving record, type of vehicle, location, credit score, and coverage limits. Drivers with a clean driving record, good credit score, and a low-risk vehicle typically pay lower premiums.
Can I purchase additional coverage besides what is required in Virginia?
Yes, Virginia drivers can purchase additional coverage to protect themselves from unforeseen circumstances. Comprehensive coverage, collision coverage, medical payments, personal injury protection, uninsured/underinsured motorist coverage, and roadside assistance are some of the add-ons available to Virginia drivers.
What discounts are available for car insurance in Virginia?
Car insurance companies in Virginia offer a variety of discounts, including good driving, multiple vehicles, bundling policies, safe or low mileage driving, being a student, being a member of an organization, and paying the entire premium upfront.
What should I do after a car accident?
If you are involved in a car accident, ensure that everyone involved is safe and call 911 if necessary. Exchange information with the other driver, such as name, contact information, and insurance details. Take pictures of the accident scene and damages to both vehicles. Contact your insurance company and file a claim.
Geico
Geico is one of the largest car insurance providers in the United States and is known for offering affordable premiums. They offer an array of coverage options, including liability, collision, comprehensive, medical payments, personal injury protection, and roadside assistance. Geico’s customer service is good, and they have received a B+ rating from the Better Business Bureau.
In terms of discounts, Geico offers savings for good driving, multiple vehicles, military personnel, federal employees, students, and being a member of an organization. Geico also has a mobile app that allows policyholders to manage their policy, file a claim, and get roadside assistance.
Overall, Geico is an excellent choice for those seeking affordable premiums and a variety of coverage options.
FAQ:
Does Geico offer additional coverage options in Virginia?
Yes, Geico offers additional coverage options in Virginia, including rental reimbursement, mechanical breakdown insurance, emergency road service, and custom parts and equipment value.
What is Geico’s cancellation policy?
Geico policyholders can cancel their policy at any time by contacting the company. Geico offers a pro-rated refund for any unused premium. However, if the policy is canceled after the first 60 days, there may be a fee.
Does Geico offer a discount for good driving in Virginia?
Yes, Geico offers a discount for good driving in Virginia. Virginia drivers who have gone five years without an accident or violation may be eligible for the Geico Good Driver discount.
Is Geico’s mobile app user-friendly?
Yes, Geico’s mobile app is user-friendly and allows policyholders to manage their policy, file a claim, and get roadside assistance. The app also has a feature that allows policyholders to track their driving habits and potentially earn discounts.
USAA
USAA is a well-known car insurance provider that offers coverage to military personnel and their families. They offer an array of coverage options, including liability, collision, comprehensive, personal injury protection, and roadside assistance. USAA’s customer service is excellent, and they have received an A+ rating from the Better Business Bureau.
In terms of discounts, USAA offers savings for good driving, multiple vehicles, being a member of an organization, and having a family member who is a USAA member. USAA also has a mobile app that allows policyholders to manage their policy, file a claim, and get roadside assistance.
Overall, USAA is an excellent choice for military personnel and their families seeking comprehensive coverage and excellent customer service.
FAQ:
Can non-military personnel purchase car insurance from USAA?
No, USAA only offers car insurance to military personnel, veterans, and their families. However, if a non-military person marries into a military family, they may be eligible for USAA car insurance.
Does USAA offer a discount for being a safe driver?
Yes, USAA offers a discount for being a safe driver. Drivers who go five years without an accident or violation may be eligible for the USAA SafePilot discount.
What additional coverage options does USAA offer in Virginia?
USAA offers several additional coverage options in Virginia, including roadside assistance, rental reimbursement, and accident forgiveness.
Does USAA offer a mobile app for managing policies?
Yes, USAA offers a mobile app that allows policyholders to manage their policy, file a claim, and get roadside assistance. The app also has a feature that allows policyholders to track their driving habits and potentially earn discounts.
Nationwide
Nationwide is a well-known car insurance provider that offers an array of coverage options, including liability, collision, comprehensive, medical payments, personal injury protection, and roadside assistance. Nationwide’s customer service is good, and they have received an A+ rating from the Better Business Bureau.
Nationwide offers discounts for good driving, multiple vehicles, being a member of an organization, and bundling policies. They also have a mobile app that allows policyholders to manage their policy, file a claim, and get roadside assistance.
Overall, Nationwide is a good choice for those seeking comprehensive coverage and discounts.
FAQ:
Does Nationwide offer custom coverage options in Virginia?
Yes, Nationwide offers custom coverage options in Virginia. Some of the additional coverage options available include gap insurance, uninsured/underinsured motorist coverage, and accidental death and dismemberment coverage.
What is Nationwide’s cancellation policy?
Nationwide policyholders can cancel their policy at any time by contacting the company. Nationwide offers a pro-rated refund for any unused premium.
Does Nationwide offer a discount for being a safe driver?
Yes, Nationwide offers a discount for being a safe driver. Drivers who go five years without an accident or violation may be eligible for the Nationwide SmartRide discount.
What should I do if I cannot afford car insurance?
If you cannot afford car insurance, contact the Virginia Department of Motor Vehicles to discuss options. They may be able to assist you in obtaining the necessary coverage or enrolling in a payment plan.
Progressive
Progressive is a well-known car insurance provider that offers an array of coverage options, including liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, and roadside assistance. Their customer service is good, and they have received an A+ rating from the Better Business Bureau.
Progressive offers discounts for good driving, multiple vehicles, bundling policies, being a student, and paying the entire premium upfront. They also have a mobile app that allows policyholders to manage their policy, file a claim, and get roadside assistance.
Overall, Progressive is a good choice for those seeking a variety of coverage options and discounts.
FAQ:
Can I purchase custom coverage from Progressive in Virginia?
Yes, Progressive offers custom coverage options in Virginia, including rental reimbursement, custom parts and equipment value, and gap insurance.
Does Progressive offer a discount for being a safe driver?
Yes, Progressive offers a discount for being a safe driver. Drivers who go three years without an accident or violation may be eligible for the Progressive Snapshot discount.
What should I do if I cannot afford car insurance?
If you cannot afford car insurance, contact the Virginia Department of Motor Vehicles to discuss options. They may be able to assist you in obtaining the necessary coverage or enrolling in a payment plan.
Conclusion
Choosing the best car insurance company in Virginia can be a daunting task, but by analyzing coverage, customer service, and premiums, we have determined that State Farm, Geico, USAA, Nationwide, and Progressive are the top car insurance companies in Virginia. Regardless of which company you choose, make sure to research their coverage options, discounts, and customer service before making a decision.