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- Car insurance in Virginia has an average rate of $50 per month for minimum coverage and $116 each month for full-coverage policies.
- Erie Insurance generally offers Virginia’s lowest average prices for minimum coverage and Virginia Farm Bureau for full coverage.
- High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Virginia car insurance.
The cheapest car insurance in Virginia typically comes from Erie Insurance, which has an average rate estimate of $17 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
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: Virginia Farm Bureau followed by State Farm
- Cheapest minimum coverage: Erie Insurance followed by USAA
- 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 Provider | Overall Rating | Average Monthly Rate: Minimum Coverage | Average Monthly Rate: Full Coverage | Number of Discounts |
| State Farm | 4.6 | $41 | $85 | 12 |
| USAA | 4.5 | $35 | $121 | 13 |
| GEICO | 4.4 | $48 | $99 | 16 |
| Travelers | 4.6 | $39 | $85 | 16 |
| Erie Insurance | 4.6 | $17 | $268 | 6 |
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 $50 per month or $597 per year. Erie Insurance generally has the state’s cheapest minimum-liability policies with estimates of $17 per month or $207 per year.
| Car Insurance Provider | Average Monthly Rate for Minimum Coverage | Average Yearly Rate for Minimum Coverage |
| Erie Insurance | $17 | $207 |
| USAA | $35 | $424 |
| State Farm | $41 | $491 |
| Auto-Owners | $41 | $490 |
| GEICO | $48 | $573 |
| Travelers | $39 | $464 |
| Virginia Farm Bureau | $42 | $498 |
| Farmers | $98 | $1,176 |
| Allstate | $65 | $776 |
| Progressive | $73 | $874 |
Cheapest Full-Coverage Car Insurance in Virginia
In Virginia, the average price for full-coverage auto insurance is $116 per month or $1,390 per year. Virginia Farm Bureau offers the cheapest average rate estimates on full-coverage insurance at $75 per month or $896 per year.
| Car Insurance Provider | Average Monthly Rate for Full Coverage | Average Yearly Rate for Full Coverage |
| Erie Insurance | $268 | $3,216 |
| USAA | $121 | $1,452 |
| Progressive | $85 | $1,020 |
| Virginia Farm Bureau | $75 | $896 |
| Travelers | $85 | $1,022 |
| GEICO | $99 | $1,183 |
| State Farm | $85 | $1,017 |
| Auto-Owners | $104 | $1,253 |
| Progressive | $85 | $1,020 |
| Allstate | $113 | $1,360 |
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.
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 Age | Average Monthly Rate for Full Coverage |
| 16 | $476 |
| 20 | $227 |
| 30 | $119 |
| 40 | $116 |
| 50 | $113 |
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 Provider | Average Monthly Rate for Clean Driving Records | Average 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 $80 per month or $957 per year for minimum coverage. USAA also offers extremely competitive rates for those whose driving history includes a recent speeding ticket.
| Car Insurance Provider | Average Monthly Rate After a Speeding Ticket | Average Yearly Rate After a Speeding Ticket |
| Erie Insurance | $80 | $957 |
| State Farm | $113 | $1,350 |
| USAA | $103 | $1,234 |
| Auto-Owners | $109 | $1,310 |
| GEICO | $132 | $1,580 |
| Travelers | $120 | $1,439 |
| Virginia Farm Bureau | $111 | $1,326 |
| Farmers | $326 | $3,906 |
| Allstate | $174 | $2,084 |
| Progressive | $149 | $1,782 |
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 $80 per month or $957 per year. Auto-Owners and Virginia Farm Bureau have relatively cheap coverage for drivers with an at-fault accident as well.
| Car Insurance Provider | Average Monthly Rate After an At-Fault Accident | Average Yearly Rate After an At-Fault Accident |
| Erie Insurance | $80 | $957 |
| Auto-Owners | $99 | $1,183 |
| State Farm | $122 | $1,462 |
| USAA | $127 | $1,528 |
| Travelers | $128 | $1,531 |
| Virginia Farm Bureau | $115 | $1,383 |
| GEICO | $182 | $2,181 |
| Farmers | $417 | $5,004 |
| Allstate | $271 | $3,249 |
| Progressive | $181 | $2,170 |
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 $113 per month or $1,350 per year. The Virginia Farm Bureau and Erie Insurance are also worth looking at for relatively affordable premiums.
| Car Insurance Provider | Average Monthly Rate After a DUI | Average Yearly Rate After a DUI |
| State Farm | $113 | $1,350 |
| Virginia Farm Bureau | $114 | $1,369 |
| Erie Insurance | $115 | $1,374 |
| Travelers | $138 | $1,654 |
| USAA | $159 | $1,904 |
| Auto-Owners | $169 | $2,032 |
| Allstate | $196 | $2,353 |
| GEICO | $249 | $2,987 |
| Farmers | $698 | $8,372 |
| Progressive | $146 | $1,750 |
Average Cost of Car Insurance in Virginia
The average cost of car insurance in Virginia comes out to $597 per year for minimum-liability insurance and $1,390 annually for full coverage. These rates are about 22% lower than the national average for minimum coverage and 30% 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 Virginia | Average Monthly Rate for Minimum Coverage | Average 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 $17 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 $75 per month for plans from Virginia Farm Bureau. 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.
USAA: 4.5 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: 4.6 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 $50 for a minimum-coverage policy and $116 for full coverage. Our team found rates in the Old Dominion as low as $17 per month for minimum coverage and $75 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 $597 per year for minimum coverage and $1,390 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.
