You can check how many points are on your license in Virginia by going to the Virginia Department of Motor Vehicles website. Checking your license points in Virginia will cost you $8 online or $9 by mail or in person, since you will need to pay for a copy of your driving record.
Virginia uses driver’s license points to track violations. Accumulating 18 points in 12 months or 24 points in 24 months will result in a suspended license. Insurance companies also check customers’ driving records for points, since having a poor driving record is associated with an increased risk of filing a claim. Consequently, license points will result in higher premiums. For instance, one DUI conviction will raise your premium by an average of 138% in Virginia.
Here’s How Much Car Insurance Drivers Need in Virginia:
Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)
Bodily Injury Liability Coverage (per accident)
Property Damage Liability
$30,000 per person ($60,000 per accident)
Uninsured Motorist Property Damage
However, in Virginia, you can choose not to carry car insurance if you pay a $500 fee with the state department of motor vehicles every time you renew your vehicle registration. This fee avoids the penalties of driving without insurance, but you're still financially responsible if you cause an accident.
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Virginia law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.
Two points will increase a driver’s insurance costs by roughly 20% to 100%, depending on the state, insurance company and type of violation. Two points are assigned for relatively minor traffic violations, like driving at night with no headlights or making an illegal U-turn. Two points might even be the minimum number of points you can get, depending on where you live. Some states assign points by a factor of two, skipping odd numbers in their points system. The specific cost increase will vary depending on the driver’s insurance company and home state – insurance companies don’t count license points specifically, so a driver can’t be sure how much their insurance company will charge them for the violation.… read full answer
Instead, license points are tracked by your state’s department of motor vehicles in 41 of the 50 states. You get points for different traffic violations, such as speeding and driving under the influence. The other nine states (Hawaii, Kansas, Louisiana, Minnesota, Mississippi, Oregon, Rhode Island, Washington, and Wyoming) keep track of the number of traffic violations you have and suspend your license if you have too many.
The long-term effects of 2 points on your license
Your insurance company doesn’t track your state license points, but they definitely care about the traffic violations that earn you those points. So your license points and your insurance costs are related. In fact, insurance companies have their own points systems for policy pricing, which take into account serious traffic violations, claims history, and more. Any additional violation or claim can further raise your insurance rates by up to 50% or more, on top of your already increased rate.
However, your state’s tracking system has far greater consequences than your insurance company’s. If your company penalizes you for a violation, the worst thing that will happen is you pay a lot of money for car insurance. If you earn too many license points, you can expect to lose your license completely.
Additional points on your record increase the odds that your next violation will result in license suspension, by bringing you closer to exceeding your state’s point limit. Two points will stay on your license anywhere from one to six years, depending on state laws – three to five years is typical.
If you have two points on your license, be extra careful in the future to avoid another violation. In some states, a defensive driving course can get two points (or more) wiped off your record, but not all states have a point reduction program. And you’re limited in how often you can use the driving course to remove points – it’s normal to have to wait at least one year before you can get more points removed. That means it’s still important to pay your ticket(s) on time and do your best to abide by all traffic laws. Doing so will increase your chance of avoiding more state or insurance penalties.
Car insurance in Virginia costs $50 per month for minimum coverage, on average, and around $138 per month for a full-coverage policy. The cheapest insurance companies in Virginia are Geico, ALFA and Erie, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Virginia is 17% lower than the national average auto insurance premium, and Virginia ranks 26 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you’ll pay for car insurance in Virginia, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.
Finally, it’s worth noting that car insurance premiums in Virginia are average, compared to the cost of coverage in neighboring states like Maryland and West Virginia. You can find more details in the table below.
Cost of Car Insurance in Virginia vs. Neighboring States
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