Compare Car Insurance Rates in Virginia

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Cheap Car Insurance Virginia: Full and Minimum Coverage

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  • Car insurance in Virginia has an average rate of $39 per month for minimum coverage and $112 each month for full-coverage policies.
  • Erie Insurance generally offers Virginia’s lowest average prices for both full and minimum coverage.
  • High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Virginia car insurance.

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The cheapest car insurance in Virginia typically comes from Erie Insurance, which has an average rate estimate of $28 per month for minimum coverage. USAA usually has the second-cheapest insurance for Virginia drivers, but it’s only available for those in the military, veterans, and select family members.

Our review team looked through cost data, coverage choices, customer scores, and industry reputations to learn which companies have the best car insurance in Virginia. We’ll consider each provider’s average costs to reveal where you can find excellent but affordable coverage in the Old Dominion.

Best Car Insurance Rates in Virginia

Erie Insurance, USAA, State Farm, and Auto-Owners offer the cheapest average rates for minimum-coverage auto insurance in Virginia. Make sure to get free quotes from various providers to find out which company has the lowest prices for your car, though.

  • Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Virginia. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
  • To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
  • Unless stated otherwise, estimates reflect the profile of a 35-year-old driver with a clean driving record and good credit history.
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Virginia Car Insurance Rates at a Glance

You’ll find detailed cost estimates below, but we’ve listed out the cheapest car insurance companies in Virginia for a few driver profiles right here:

  • Cheapest full coverage: Erie Insurance followed by USAA
  • Cheapest minimum coverage: Erie Insurance followed by USAA
  • Cheapest for teen drivers: Virginia Farm Bureau followed by Erie Insurance
  • Cheapest for teen drivers: Virginia Farm Bureau followed by Erie Insurance

Cheapest Car Insurance Companies in Virginia

Below, we’ve listed out the auto insurance companies that provide Virginia’s strongest mix of affordable coverage and high-quality plans. While Erie Insurance has the Old Dominion’s cheapest rates, State Farm earned the highest score of any company we researched.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.7$31$10112
USAA4.6$30$9213
GEICO4.6$34$10016
Travelers4.5$35$9816
Erie Insurance4.4$28$836

Cheapest Car Insurance Coverage in Virginia

The cheapest car insurance in Virginia will most likely end up being minimum-liability coverage. While this will take care of the state’s standard car insurance requirements, it won’t protect your own vehicle or cover personal bodily injuries.

Full-coverage car insurance will protect your own vehicle and take care of personal medical bills instead of only those for other motorists. This will cost more than minimum coverage but could save you money if you get involved in an at-fault accident.

Cheapest Minimum-Liability Car Insurance in Virginia

The average rate estimate for a minimum-coverage policy in Virginia is $39 per month or $468 per year. Erie Insurance generally has the state’s cheapest minimum-liability policies with estimates of $28 per month or $336 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
Erie Insurance$28$336
USAA$30$360
State Farm$31$372
Auto-Owners$33$396
GEICO$34$408
Travelers$35$420
Virginia Farm Bureau$36$432
Nationwide$43$516
Allstate$48$576
Progressive$73$876

Cheapest Full-Coverage Car Insurance in Virginia

In Virginia, the average price for full-coverage auto insurance is $112 per month or $1,344 per year. Once again, Erie Insurance offers the cheapest average rate estimates on full-coverage insurance at $83 per month or $996 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
Erie Insurance$83$996
USAA$92$1,104
Nationwide$95$1,140
Virginia Farm Bureau$97$1,164
Travelers$98$1,176
GEICO$100$1,200
State Farm$101$1,212
Auto-Owners$107$1,284
Progressive$168$2,016
Allstate$184$2,208

Virginia Car Insurance Quotes by Driver Profile

Coverage rates for car insurance in Virginia will likely look different than what’s listed above. That’s because casualty insurance companies base individual premiums on multiple variables. Your age, driving record, and location in Virginia all play roles in what you’ll pay for auto insurance.

Six icons representing the most influential factors in the cost of car insurance premiums, including coverage choices, driving history, age, credit score, deductible, and location.

Cheapest Car Insurance in Virginia: Age

Age has a major role in the price you’ll pay for car insurance. Young drivers and teen drivers in particular pay far more for auto coverage than those in other age groups. In the table below, you’ll find average rate estimates for Virginia drivers of different ages:

Driver AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
16$153$449
25$44$132
35$39$112
45$38$108
55$37$99

Cheapest Car Insurance in Virginia: High-Risk Drivers

Your driving history is another key component in Virginia car insurance rates since those with clean driving records often get cheaper auto coverage. At-fault accidents, speeding tickets and driving under the influence (DUI) violations can result in higher insurance costs.

How much your driving record impacts auto insurance premiums varies by car insurer. Below are the top providers in Virginia and their minimum-coverage rates for good drivers with clean records versus for those flagged as high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
Erie Insurance$28$38
USAA$30$45
State Farm$31$35
Auto-Owners$33$42
GEICO$34$56
Travelers$35$46
Virginia Farm Bureau$36$49
Nationwide$43$68
Allstate$48$78
Progressive$73$93

Car Insurance Rates in Virginia: Speeding Ticket

A single speeding ticket can cause your auto insurance rates to go up significantly. For Virginia drivers, Erie Insurance has the cheapest average price after a speeding ticket with an estimate of $32 per month or $384 per year for minimum coverage. State Farm also offers extremely competitive rates for those whose driving history includes a recent speeding ticket.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
Erie Insurance$32$384
State Farm$34$408
USAA$37$444
Auto-Owners$37$444
GEICO$40$480
Travelers$41$492
Virginia Farm Bureau$47$564
Nationwide$56$672
Allstate$64$768
Progressive$87$1,044

Car Insurance Rates in Virginia: At-Fault Accident

Virginia drivers will see higher rates if they’re found at fault for a car accident. Erie Insurance offers the cheapest coverage after an accident with an average rate estimate of $32 per month or $384 per year. Auto-Owners and State Farm have relatively cheap coverage for drivers with an at-fault accident as well.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
Erie Insurance$32$384
Auto-Owners$33$396
State Farm$37$444
USAA$44$528
Travelers$46$552
Virginia Farm Bureau$52$624
GEICO$53$636
Nationwide$67$804
Allstate$96$1,152
Progressive$101$1,212

Car Insurance Rates in Virginia: DUI

A DUI violation can cause auto insurance premiums to increase substantially. For Virginia drivers with a DUI on their record, State Farm offers average estimates of $34 per month or $408 per year. The Virginia Farm Bureau and Erie Insurance are also worth looking at for relatively affordable premiums.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$34$408
Virginia Farm Bureau$47$564
Erie Insurance$50$600
Travelers$52$624
USAA$54$648
Auto-Owners$56$672
Allstate$73$876
GEICO$76$912
Nationwide$82$984
Progressive$90$1,080

Average Cost of Car Insurance in Virginia

The average cost of car insurance in Virginia comes out to $468 per year for minimum-liability insurance and $1,344 annually for full coverage. These rates are about 25% lower than the national average for minimum coverage and 29% less than the national rate for full coverage.

Average Car Insurance Cost in Virginia by City

Where you live in Virginia has a major impact on the auto insurance premiums you’ll pay. Since risk factors such as population density, crime rates, and weather patterns vary between ZIP codes, car insurance rates do as well. The table below shows the average price for car insurance across many of Virginia’s most populous cities.

Cities in VirginiaAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Alexandria$47$122
Norfolk$47$122
Centreville$46$118
Portsmouth$46$117
Arlington$44$116
Virginia Beach$44$111
Manassas$44$115
Richmond$44$117
Chesapeake$44$111
Hampton$44$112
Reston$44$114
Newport News$43$110
Midlothian$42$111
Petersburg$41$113
Suffolk$40$110
Fredericksburg$40$110
Charlottesville$35$109
Danville$35$113
Lynchburg$35$104
Roanoke$35$102
Winchester$33$102
Bristol$32$103
Harrisonburg$32$94

Virginia Minimum Auto Insurance Coverage

While Virginia law makes purchasing car insurance optional, drivers who decide not to get coverage must pay a $500 annual fee. If you buy car insurance, you must either meet or exceed the following state minimum-coverage requirements:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $30,000 underinsured/uninsured motorist bodily injury liability per person
  • $60,000 underinsured/uninsured motorist bodily injury liability per accident
  • $20,000 underinsured/uninsured motorist property damage coverage per accident

While liability insurance and uninsured motorist coverage are important, they don’t protect against everything. Insurance agents and experts suggest moving beyond the rules set by the Virginia Department of Motor Vehicles (DMV) since additional coverage could protect you better after an accident.

With collision coverage and comprehensive coverage, you won’t need to cover car repair costs after theft, vandalism, car accidents, or severe weather. Other types of coverage such as personal injury protection (PIP) and medical payments coverage (MedPay) make it easier to cover medical bills that could come up.

Cheap Car Insurance in Virginia: Conclusion

The cheapest car insurance in Virginia typically comes from Erie Insurance, which has an average rate estimate of $28 per month. Make sure to compare auto quotes from various providers, however, to figure out whether you could get more reasonable rates elsewhere.

It may also be smart to consider protecting yourself with a full-coverage policy. The best rates we found for full coverage came in as low as $83 per month for plans from Erie Insurance. More coverage means higher premiums, but you’ll gain financial protection and peace of mind.

Since car insurance costs vary between drivers, it’s good to compare auto insurance quotes before making a decision. By doing so, you’ll be able to discover which company has the most competitive rates for your situation and vehicle.

Best Car Insurance in Virginia: Recommended Providers

Certain providers are known to offer reasonable premiums to Virginia drivers, but you’ll need to get car insurance quotes from more options to find the best rates. We recommend considering USAA and Erie Insurance as you begin your search for the best auto insurer.

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USAA: 4.6 out of 5.0

USAA typically provides some of the cheapest car insurance in Virginia for both full and minimum coverage. While the company is known for strong customer service and reasonable premiums, you’ll only qualify if you’re a military member, a veteran, or a family member of one. For those who qualify, USAA has a good chance of being the best choice for coverage.

Keep reading: USAA insurance review

Erie Insurance: 4.4 out of 5.0

The lowest average premium for car insurance in Virginia comes from Erie Insurance, which also has a strong reputation for customer service. While this provider isn’t as large as some other brands, it holds an A+ rating for financial strength from AM Best. Erie Insurance only offers six discount opportunities, but this could matter little if you get a reasonable rate from the start.

Cheapest Auto Insurance in Virginia: FAQ

Which company gives the cheapest car insurance?

State Farm generally offers the cheapest car insurance in terms of national rates. Drivers in Virginia tend to receive their lowest premiums from Erie Insurance and USAA instead.

How much is car insurance per month in Virginia?

The average cost per month of car insurance in Virginia is $39 for a minimum-coverage policy and $112 for full coverage. Our team found rates in the Old Dominion as low as $28 per month for minimum coverage and $83 for a full-coverage policy.

How to reduce car insurance in Virginia?

The best ways to reduce the cost of car insurance in Virginia are by lowering your amount and types of coverage, increasing your deductible, and seeking out driver discounts. Improving your credit score and bundling coverage with renters or homeowners insurance are other ways to get lower rates over the long term.

How much is car insurance on average in Virginia?

Car insurance in Virginia comes out to an average of $468 per year for minimum coverage and $1,344 annually for full-coverage policies.

Is it illegal to drive without insurance in Virginia?

Virginia is one of the few states where it’s legal to drive without proof of insurance but very few experts recommend doing so. You’ll be required to pay a $500 annual fee for uninsured motor vehicles if you choose to drive without coverage in Virginia. You could have your license plate and driver’s license suspended if you drive uninsured without paying the state’s fee.

Is it cheaper to pay car insurance every six months or monthly?

You’ll almost always pay less if you cover your auto insurance policy every six months. Many car insurers give driver discounts for paying policies upfront, though this isn’t universal.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.