Richmond Virginia Auto Insurance

RICHMOND, VA AUTO INSURANCE

The capital city of Virginia is an epic place to call home. As you travel alongside the James River and take in the splendor of old architecture, make sure you have the coverage you need to get from Interstate 95 to home…or wherever your point A and B take you within the Mother of States.

Wherever the road takes you, you’ll need insurance. Looking for the best cheap auto insurance in Richmond, Virginia? You need SafeAuto. We offer low down payments and state minimum car insurance—great for the rest of us on a budget. Since 1993, we’ve helped people save money on car insurance so they can spend more on the things that matter to them.

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REQUIRED COVERAGES IN VIRGINIA

*Liability limits are typically expressed as three amounts separated by slashes written as 25/50/20 or 25,000/50,000/20,000.

Our insurance follows Virginia law requirements, which are to maintain liability limits* of at least:

$25,000 | Bodily Injury per Person

The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

$50,000 | Bodily Injury per Accident

The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit.

$20,000 | Property Damage

The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.

PROOF OF FINANCIAL RESPONSIBILITY & PENALTIES

Under Virginia law, you are required to provide documentation of Financial Responsibility at the request of a law enforcement officer at the time of an accident or traffic stop.

Penalty for Failure to Comply with Virginia's Financial Responsibility Requirements:

Every person applying for registration of a motor vehicle and declaring it to be an insured vehicle, faces stiff penalties if the motor vehicle is subsequently found to be uninsured. The Virginia DMV may suspend the driver's license and registration certificates and license plates issued to the owner of the motor vehicle. These items are suspended until the person pays a $500 statutory fee, furnishes and maintains proof of financial responsibility (form SR-22) for three years and pays a reinstatement fee, if applicable [Va. Code Ann. § 46.2-706].

Certificate of Financial Responsibility (SR-22) or (FR-44)

An SR-22 or an FR-44 is a certification of future proof of Financial Responsibility issued by your insurance company to the Department of Motor Vehicles (DMV) providing proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:

Unsatisfied judgments
Driver's license suspension as a result of a conviction for
Voluntary or involuntary manslaughter resulting from the operation of a motor vehicle
Perjury, making a false affidavit to the DMV regarding the registration of motor vehicles, or making a false statement on any driver's license application
Any crime punishable as a felony under the motor vehicle law or any felony in the commission of which a motor vehicle is used
Failure of a driver of a motor vehicle, involved in an accident resulting in death or injury to another person, to stop and disclose his identity at the scene of the accident
Operating or permitting the operation, for a second time, of a passenger automobile for transportation of passengers for rent or for hire, without a license
Uninsured motor vehicle suspension
Failure to provide proof of insurance associated with insurance monitoring
Falsifying insurance certification

FR-44 certification is required for the following convictions

Maiming while under the influence
Driving while under the influence of intoxicants or drugs
Driving while the driver's license has been forfeited for a conviction, or finding of not innocent in the case of a juvenile
Violation of the provisions of any federal law or law of any other state or any valid local ordinance similar to the above

SafeAuto will only issue a Virginia SR-22 or FR-44 to Virginia residents. An FR-44 is available only to existing policy holders, and – like the SR-22 – must be issued immediately upon request. If an FR-44 is issued, appropriate follow-up underwriting action will be taken, consistent with Virginia law.

Virginia Regional Auto Insurance

SafeAuto offers affordable Virginia auto insurance throughout the entire Old Dominion state! If you are looking for more information across the state of Virginia, more material can be found below

Play It Safe with SafeAuto Insurance

Have a question for us at SafeAuto? Need to start a policy? Just want to talk? Call us at 1-800-SAFEAUTO or email us at customerservice@safeauto.com. For common questions, please consult our FAQ page.