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
- Arlington, VA Auto Insurance
- Chesapeake, VA Auto Insurance
- Norfolk, VA Auto Insurance
- Virginia Beach, VA Auto Insurance
RELATED LINKSVirginia DMV
Play it Safe with SafeAuto Insurance
Flexible plans and affordable state minimum coverage? Now that’s insurance for the rest of us. Have a question for us at SafeAuto? Need to start your policy? Just want to talk? Call us at 1-800-SAFEAUTO to speak to a real person, not a robot, any time or email us at email@example.com. For common questions, please consult our FAQ page.