Car Insurance in Alexandria
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Insurance for Northern Virginia Drivers
The stretch of the Capital Beltway between Alexandria and Springfield averages 36 crashes per mile. Several of the most dangerous roads in Fairfax County are also near Alexandria. Drivers in the Washington metropolitan area need car insurance in Alexandria that meets the minimum requirements for liability coverage in Virginia and can benefit from collision or comprehensive policies that offer more protection.
Whether you reside in the city of Alexandria or the surrounding area, you should have auto insurance that reduces the financial burden of liability. VIU by HUB provides quotes for basic policies that cover liability as well as policies that cover the cost of repairing or replacing a vehicle after a crash or damage due to other covered perils.
While the city of Alexandria has a full range of public transport options, including intercity and regional rail service and a fare-free bus system, drivers have more freedom to navigate the Washington metropolitan area. The right car insurance policy can help you manage risks on the road.
Compare Quotes for Car Insurance in Alexandria
VIU by HUB is the best way to shop for auto insurance. Provide information about yourself and your vehicle to compare rates for any level of coverage. Your age, driving record and credit score can factor into car insurance premiums.
Auto Insurance Requirements in Virginia
Every driver in Virginia needs insurance that meets or exceeds minimum limits for liability coverage. Insurance policies that meet the following requirements can reduce your financial responsibility in the event of an accident:
- Injury or death of one person: The minimum limit for liability coverage for the injury or death of one person is $30,000 for policies effective through December 31, 2024. On January 1, 2025, the minimum limit will go up to $50,000.
- Injury or death of two or more people: The minimum limit for liability coverage for injury or death of two or more people is $60,000 until the end of 2024. As of 2025, the minimum limit will be $100,000.
- Property damage: The minimum liability limit for property damage coverage under an auto insurance policy is currently $20,000. This limit rises to $25,000 on January 1, 2025.
You should obtain liability coverage that meets or exceeds the minimum mandated limits. A car insurance policy with higher liability limits that includes coverage for damage to your own vehicle can limit out-of-pocket expenses.
The Average Cost of Car Insurance in Alexandria
The average annual car insurance premium for drivers in the city of Alexandria is $1,136, which is higher than the average rate in other Virginia cities. Heavy traffic in the Washington metropolitan area is one reason for higher premiums for drivers of all ages, including motorists who have clean driving records and good credit.
Policy Options for Alexandria Drivers
Drivers in Alexandria need coverage that accounts for dense traffic and the frequency of severe weather in this region. The effects on roads in Alexandria of 17 tropical cyclones and 30 severe storms between 1980 and 2020 make comprehensive coverage a good idea in this region. Here are some other popular policy options in northern Virginia:
- Glass and windshield repair or replacement
- Electronic coverage for aftermarket upgrades
- Global liability protection through an umbrella policy
- Uninsured or underinsured motorist coverage
VIU by HUB provides quotes for any level of coverage, from liability-only to collision or more comprehensive car insurance in Alexandria. We make it easier to find an auto insurance policy that provides the protection you need with premiums that fit your budget.
This information is intended for general information purposes only and is not intended to constitute legal advice.
Sources
Virginia Department of Motor Vehicles