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With all of the laws governing Virginia citizens who drive, one of the benefits of those restrictive laws is that Virginia is one of the safer states to drive in. Virginia auto insurance minimal coverage is 25/50/20, which means for each accident you may be held at fault for, you have $25,000 in medical coverage for one person injured in the crash. Fifty thousand dollars for two or more people injured in a crash and $20,000 for property damage. These requirements are higher than many other states, which may cost you a little more in premiums, but will give you greater protection in the long run.
Virginia has some pretty stiff penalties for reckless drivers, their point system is perhaps one of the most stringent in the country. Where many states keep your driving ticket points on the record for up to 5 years or less, Virginia will keep those infractions on your record for up to 11 years. This is to encourage unsafe drivers to seek training to correct their bad driving habits before they are involved in fatality. This apparently works because in reviewing Virginia auto insurance statistics the death rate in 1999 is the same as it is in 2009, even though more miles are being traveled in 2009 than 1999 and there are approximately one million more cars on the road today than there were in 1999 and a similar number of drivers licenses issued. Traffic fatalities have decreased by 7.92% in 2008, according to statistics from the Virginia Department of Motor Vehicles. There has been a similar decrease in injuries due to crashes at a rate of 8.90%. And as far as crashes themselves, there has been a decrease by 13.70%. As far as insurance rates in Virginia when compared to other states of the Union, Virginia auto insurance rates at 34, which means 33 other states in the Union have higher insurance rates than Virginia. Or, to look at it another way, there are 16 states with lower rates. It would appear Virginia is doing something right to insure its highways are one of the safest in the country. 2010 has seen insurance rates dropping across the nation and Virginia is no exception. Compare instant online quotes to determine just how much you could save on your VA auto insurance in the coming months alone.
 
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