Best Cheap Auto Insurance in Virginia (2023)

One of the most historic U.S. states, Virginia is home to portions of the Chesapeake Bay, Appalachian Mountains, and Atlantic coastline. The average monthly cost for car insurance in Virginia is $206, which is 48% more than the national average. Still, Virginians pay less than drivers in Washington, D.C. — where the monthly average rate is $267.

Of the employed residents commuting to work in or outside of Virginia, 76.7% of them drive alone. And on average, Virginia drivers travel 40.9 miles per day in their vehicles, whereas drivers in the U.S. overall travel just 36.1 miles per day.^[1] The commonality of commuting in Virginia may result in higher average rates in the state.

Auto-Owners, State Farm, and GEICO offer some of the cheapest average car insurance rates in Virginia. Here’s what you need to know about finding affordable car insurance in Virginia.

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Best car insurance companies in Virginia

As you shop for the best deal, you should consider your financial situation and insurance needs. Car insurance rates vary based on your age, driving record, credit history, chosen coverage, and other factors. Some insurance companies offer more competitive rates than others, so you should always compare quotes from multiple insurers.

Here are three of the cheapest car insurance companies in Virginia.

Best insurer for cheap rates: Auto-Owners

Best insurer for teen drivers: State Farm

Best insurer for drivers with a DUI: GEICO

Cheapest liability-only car insurance in Virginia

Like most states, Virginia mandates liability car insurance. If you cause an accident, this insurance typically covers the costs of medical expenses and vehicle repairs for the other driver. It won’t cover the costs of any of your bodily injuries or property damage.^[4] This coverage typically makes the most sense for drivers of older or inexpensive vehicles with lots of mileage.

The average cost for this coverage in Virginia is $159 per month. The following insurers offer the cheapest liability-only quotes in Virginia.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

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Insurance Company	Average Monthly Quote
Auto-Owners	36
State Farm	37
GEICO	49
USAA	49
Chubb	54
Erie	56
Safeco	59
State Auto	61
Clearcover	66
Mercury	68
Midvale Home & Auto	73
Allstate	77
Liberty Mutual	78
Elephant	80
Progressive	82
AssuranceAmerica	89
National General	91
Dairyland	92
GAINSCO	93
Direct Auto	96
Travelers	103
Kemper	107
CSAA	128
Bristol West	137
The General	158

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Virginia

Full-coverage car insurance offers you more vehicle protection. Specifics vary by insurer, but the policies typically include liability, comprehensive, and collision coverages. Comprehensive coverage kicks in for damages from non-collision incidents, like fire, severe weather, and vandalism.^[5]

The average cost for this coverage in Virginia is $253 per month. The following insurers offer some of the cheapest quotes for Virginia drivers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	57
State Farm	59
GEICO	79
USAA	79
Chubb	86
Erie	90
Nationwide	95
Clearcover	101
Safeco	113
Midvale Home & Auto	116
Mercury	117
Allstate	123
Elephant	127
Travelers	130
State Auto	135
Direct Auto	141
Liberty Mutual	143
AssuranceAmerica	148
Progressive	155
National General	183
Dairyland	200
Kemper	200
CSAA	202
GAINSCO	209
The General	256
Bristol West	259

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Virginia

Virginia is an at-fault state, which means that the driver who causes an accident is responsible for paying the claims. Drivers in Virginia must have a minimum amount of bodily injury liability, property damage liability, and underinsured/uninsured motorist coverage to drive — the latter of which provides financial protection if the other driver doesn’t have coverage.

Previously, Virginia allowed drivers to forgo car insurance if they paid a $500 uninsured vehicle fee. However, beginning July 1st, 2024, all drivers in Virginia will have to purchase an insurance policy that meets the state's minimum requirements. The following minimum requirements for Virginia drivers are effective through the end of 2024. Starting in 2025, the minimum coverage requirements will increase.^[6]

Though you only need to purchase the minimum coverage requirements, it’s often a good idea to add more coverage to protect your vehicle and finances.

“I’d never recommend state minimum limits. It typically isn’t a huge price difference to increase those coverages, and it significantly helps protect your assets in case of an accident,” says Dominic Frey, an insurance professional with Hitchings Insurance Agency. “You don’t want to cause a claim and then get sued because your policy didn’t pay out enough.”

If you want additional financial protection, you can consider the following optional policies:

Comprehensive coverage

If your car is damaged in a non-collision incident, like vandalism, severe weather, theft, or fire, comprehensive coverage kicks in.

Collision coverage

This policy covers the cost of repairs for your vehicle after an auto accident, regardless of fault.

Medical payments coverage

Following an injury from an accident, this coverage can pay for some of your medical expenses.

Cheapest car insurance for drivers with an incident

Your driving record affects your car insurance rates. Insurance companies may classify you as a high-risk driver with a greater likelihood of filing a claim if you have certain driving incidents on your record. Incidents that can increase your rates include driving under the influence (DUI), speeding tickets, and at-fault accidents.^[7]

To find the best deal, drivers should always compare quotes from multiple insurance companies.

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Cheapest car insurance for drivers with a speeding ticket

If you get a speeding ticket, your car insurance premium will likely increase. Having only one speeding ticket likely won’t increase it too much. Virginia drivers can still find competitive rates after a speeding ticket.

The following insurers offer the cheapest average monthly quotes for Virginia drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	79	50
State Farm	82	51
GEICO	110	68
USAA	110	68
Chubb	119	75
Erie	125	78
Clearcover	140	92
Safeco	157	82
Midvale Home & Auto	161	101
Mercury	162	94
Allstate	171	107
Elephant	176	111
Travelers	180	143
State Auto	187	85
Direct Auto	196	133
Liberty Mutual	198	108
AssuranceAmerica	205	123
Progressive	215	114
National General	254	126
Dairyland	277	128
Kemper	277	148
CSAA	280	178
GAINSCO	290	129
The General	355	219
Bristol West	359	190

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

If you cause an auto accident, insurance companies will typically increase your car insurance premium. Most car insurers consider the previous three to five years of your driving record when determining rates, so your car accident can affect your premium during that time.^[8]

In Virginia, the following insurers offer the cheapest car insurance quotes for drivers with an at-fault accident.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	82	52
State Farm	85	53
GEICO	114	70
USAA	114	70
Chubb	124	78
Erie	129	80
Clearcover	145	95
Safeco	162	85
Midvale Home & Auto	167	105
Mercury	168	98
Allstate	177	111
Elephant	183	115
Travelers	187	148
State Auto	194	88
Direct Auto	203	138
Liberty Mutual	206	112
AssuranceAmerica	213	128
Progressive	223	118
National General	263	131
Dairyland	287	132
Kemper	287	154
CSAA	290	184
GAINSCO	300	134
The General	368	227
Bristol West	372	197

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Driving under the influence is a serious violation that can significantly affect your car insurance rates and even lead to non-renewal of your current coverage. Because of that, you might need to consult with multiple insurers to find a competitive rate.

Consider the following insurance companies if you have a DUI and want coverage in Virginia.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	93	59
State Farm	97	61
GEICO	129	80
USAA	129	80
Chubb	141	88
Erie	147	92
Clearcover	165	108
Safeco	185	97
Midvale Home & Auto	190	120
Mercury	192	111
Allstate	201	126
Elephant	208	131
Travelers	213	169
State Auto	221	100
Direct Auto	231	157
Liberty Mutual	234	128
AssuranceAmerica	242	146
Progressive	254	134
National General	300	149
Dairyland	327	151
Kemper	327	175
CSAA	331	210
GAINSCO	342	152
The General	419	259
Bristol West	424	224

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Your age influences what you pay for car insurance and fluctuates throughout your life. Teenage drivers typically pay the highest premiums, but costs tend to decrease steadily for drivers between 35 and 75.

Most drivers earn the lowest premiums around retirement age due to years of experience and safer driving habits. But around the age of 75, prices increase a bit to correspond with increased risk factors associated with aging.^[9]

The following insurers offer the best monthly quotes for senior drivers in Virginia.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	26	16
State Farm	27	17
GEICO	36	22
USAA	36	22
Chubb	39	25
Erie	41	26
Clearcover	46	30
Safeco	52	27
Midvale Home & Auto	53	33
Mercury	53	31
Allstate	56	35
Elephant	58	37
Travelers	59	47
State Auto	62	28
Direct Auto	64	44
Liberty Mutual	65	36
AssuranceAmerica	68	41
Progressive	71	37
National General	84	42
Dairyland	91	42
Kemper	91	49
CSAA	92	58
GAINSCO	95	42
The General	117	72
Bristol West	118	63

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Due to inexperience behind the wheel, unsafe driving habits, and a greater likelihood of speeding, teens are one of the riskiest and most expensive groups to cover. Because of that, teenagers typically face the highest auto insurance rates.^[10]

You can take steps to reduce the costs by setting your teen up on your car insurance plan for as long as possible, choosing a safe vehicle for them to drive, and checking if your teen qualifies for a good student discount.

Here are the cheapest car insurance companies in Virginia for young drivers.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	103	65
State Farm	106	67
GEICO	142	88
USAA	142	88
Chubb	155	97
Erie	162	101
Clearcover	182	119
Safeco	203	106
Midvale Home & Auto	209	131
Mercury	210	122
Allstate	221	139
Elephant	228	144
Travelers	234	185
State Auto	243	110
Direct Auto	254	173
Liberty Mutual	257	140
AssuranceAmerica	266	160
Progressive	279	148
National General	329	164
Dairyland	360	165
Kemper	360	192
CSAA	363	230
GAINSCO	376	167
The General	461	284
Bristol West	466	246

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Virginia

Various factors affect your car insurance rates, including your driving record, age, credit score, location, and more. But you can lower the cost of coverage in a few different ways:^[11]

• Bundle your policies. If you need different types of insurance coverage, like auto and home, you can typically save money by getting both from the same insurer.

• Utilize insurance discounts. Most companies offer a number of insurance discounts that reward safe driving, customer loyalty, and more.

• Increase your deductible. Your deductible is the amount you need to pay out of pocket when you file a claim. A higher deductible usually results in a lower premium.

• Shop around. The age, safety features, and type of vehicle you own influence how much you pay for car insurance. Shop for quotes before you buy a car to secure the best rates.

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Virginia car insurance quotes by credit tier

Virginia insurance companies consider your credit score as a factor when determining insurance rates. A few states don’t allow this practice, but Virginia permits it.

Drivers in Virginia can expect their credit score to influence their car insurance premiums. Excellent or good credit scores typically correlate to lower rates. Poor credit scores usually lead to higher rates.

Here’s what you can expect to pay for full-coverage insurance by credit tier.

Virginia car insurance FAQs

Insurify Insights

How Virginia Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Virginia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Virginia drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Virginia

#5

State with the Most Speeding Tickets Rank

#5

State with the Moving Violations Rank

#17

State with the Most DUIs Rank

#12

State with the most Suspended Licenses

• Accidents in Virginia

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Virginia is the #7 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #7
  • Percent of drivers in Virginia with an accident: 10.2%
• DUIs in Virginia

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Virginia is the #17 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #17
  • Percent of drivers in Virginia with a DUI: 1.7%
• Reckless Driving in Virginia

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Virginia is the #3 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #3
  • Percent of drivers in Virginia with a reckless driving offense: 2.2%
• Rude Driving in Virginia

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Virginia is the #5 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #5
  • Percent of drivers in Virginia with a rude driving violation: 2.6%
• Speeding in Virginia

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Virginia is the #5 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #5
  • Percent of drivers in Virginia with a speeding ticket: 11.9%
• Failure to Yield Rates in Virginia

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Virginia is the #1 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #1
  • Percent of drivers in Virginia with a failure to yield violation: 0.5%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.