5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Cheapest recent rates near Woodbridge, Virginia
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $85/mo for full coverage in Woodbridge and other Virginia cities.
*Quotes generated for Insurify users in and around Woodbridge, Virginia within the last 10 days. Last updated on April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Woodbridge, Virginia within the last 10 days. Last updated on April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Residents in Woodbridge, Virginia — a suburb of Washington, D.C. — have an average commute to work of 37 minutes, according to the U.S. Census Bureau.[1] The average monthly cost of liability car insurance in Woodbridge is $115. For comparison, liability coverage costs $93 per month in Virginia and $104 in the U.S., on average.
The city’s urban location, relatively high population density, and significant number of D.C.-bound commuters likely contribute to its higher car insurance rates. Comparing quotes from multiple companies can help you find lower rates.
Here’s what you need to know to find an insurance policy in Woodbridge that meets your needs and fits your budget.
Quick Facts
Auto-Owners, State Farm, and GEICO have the cheapest liability insurance rates in Woodbridge.
The average cost of full-coverage insurance is $188 per month in Woodbridge, $168 in Virginia, and $213 in the U.S.
Virginia’s mandatory liability limits will increase to 50/100/25 on Jan. 1, 2025.[2]
3 of the cheapest car insurance companies in Woodbridge
While the right company for you will depend on your unique needs and driver profile, you can start by evaluating the insurance companies that offer the cheapest average monthly quotes.
Here are three of the best options for cheap auto coverage in Woodbridge. The quotes provided below reflect statewide average costs in Virginia.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners
4.0
$66
$39
Cheap rates
State Farm
4.5
$68
$40
Customer satisfaction
GEICO
4.2
$91
$53
Discounts
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$44/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$74/mo
Auto-Owners offers cheap average premiums and a variety of coverage options beyond full-coverage insurance. The company also offers several discounts, including robust savings for teen drivers. Auto-Owners boasts an A++ financial strength grade from AM Best and has fewer complaints with the National Association of Insurance Commissioners (NAIC) than average for its size.
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
Brandy - April 6, 2024
Verified
Fair Prices from a Trustworthy Company
I've had zero issues!
Best insurer for customer satisfaction: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$75/mo
State Farm offers cheap car insurance premiums for many driver profiles, and the company is a leader in the car insurance industry. State Farm is ranked third for auto insurance in the Mid-Atlantic region by J.D. Power and has fewer complaints with the NAIC than expected given its size.[3]
The company offers a variety of Virginia car insurance discounts, including two telematics programs.
Pros
A++ financial strength rating from AM Best
Ranked above average in multiple J.D. Power studies[3][4]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$60/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$102/mo
GEICO offers a wide variety of discounts, including a multi-vehicle discount of up to 25%, multiple military discounts, and driver training discounts. In addition to standard coverage options, the insurer offers roadside assistance, rental car reimbursement, and mechanical breakdown insurance. The company has an A++ financial strength rating from AM Best.
Pros
Offers a wide array of discounts
A++ financial strength rating from AM Best
Cons
Below-average J.D. Power ranking for the Mid-Atlantic region[3]
The customer service is poor and very unprofessional. It's impossible to speak to an agent.
Betty - April 23, 2024
Verified
Unexpected Increase in Premium
Everything was very good until I purchased a new car and my insurance premium skyrocketed!
…
How to get the cheapest car insurance in Woodbridge
While you can’t change your age or wipe your driving record clean, here are a few ways you can reduce your car insurance premiums in Woodbridge:
Compare quotes. Some companies charge more than others in Woodbridge, so it’s a good idea to compare quotes. You can collect quotes from each insurer’s website, contact a broker or independent insurance agency, or use an insurance-comparison platform to save time.
Choose a higher deductible. Your deductible is your share of the financial responsibility for an accident. A higher deductible means lower monthly premiums. Just make sure you have a plan to pay your deductible in the event of a claim.
Ask about discounts. You may be eligible for discounts, including safe driver and driver education discounts, which can significantly reduce your premium. You can also save bybundling your auto insurancewith homeowners insurance at some companies. Ask your agent for details.
Improve your credit. Pay your bills on time and pay down debt to increase your credit score, and insurers may reward you with cheaper car insurance quotes.
Opt for minimum coverage. If you have an old or inexpensive car, consider forgoing full-coverage insurance on that vehicle.
Cheapest liability-only car insurance in Woodbridge: Auto-Owners
Liability insurance covers other parties’ medical bills and property damage in an accident you cause. In most cases, experts recommend full-coverage insurance, but according to Tish Faulkner, eastern region sales development director at Mercury Insurance, “A liability-only policy may be appropriate for drivers with older vehicles since the cost to repair or replace an older vehicle may be less expensive.”
Liability-only insurance is significantly cheaper than full-coverage auto insurance. On average, Woodbridge drivers pay $115 per month for liability insurance. Below are the insurance companies with the cheapest liability-only quotes in Woodbridge.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
44
State Farm
45
GEICO
60
USAA
60
Mercury
61
Chubb
66
Clearcover
70
Erie
70
Safeco
77
Nationwide
79
State Auto
80
Midvale Home & Auto
86
Allstate
95
Progressive
95
Elephant
97
Direct Auto
100
Liberty Mutual
103
National General
111
GAINSCO
117
AssuranceAmerica
118
Dairyland
122
Travelers
126
CSAA
149
Bristol West
158
The General
178
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.
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Cheapest full-coverage car insurance in Woodbridge: Auto-Owners
Full-coverage insurance includes collision coverage, which pays for physical damage to your vehicle after you cause a crash, and comprehensive coverage, which pays for damage from non-collision events, like fire and theft.
“[It’s] usually recommended for newer or more expensive vehicles since the cost to repair or replace them can be significant,” says Faulkner. “Those with a vehicle on loan or leased may also have to pay [for] full coverage since the lender will want the car protected in case of an accident.”
The average cost of full-coverage insurance in Woodbridge is $188 per month. Some auto insurance companies offer cheaper quotes for full-coverage insurance than others. Here are the companies in Woodbridge that offer the cheapest average quotes for full-coverage auto insurance.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
74
State Farm
75
GEICO
102
USAA
102
Chubb
111
Erie
116
Clearcover
117
Nationwide
126
Mercury
130
Safeco
135
Midvale Home & Auto
137
Allstate
159
Travelers
159
State Auto
160
Elephant
171
Direct Auto
174
AssuranceAmerica
179
Liberty Mutual
181
Progressive
182
National General
218
CSAA
231
GAINSCO
272
Bristol West
309
Dairyland
311
The General
319
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 a tort state rather than a no-fault state, which means you’re liable for the other party’s losses when you cause an accident. If you don’t have sufficient liability insurance, the other driver in an accident can sue you for any additional damages. Virginia’s minimum car insurance requirements are relatively robust, but you may still want to consider higher limits.
Below are the coverages and limits Virginia law requires. Note that the limits will increase from 30/60/20 to 50/100/25 for policies effective Jan. 1, 2025.
Bodily injury liability
$30,000 per person
$60,000 per accident
Property damage liability
$20,000 per accident
Uninsured/underinsured motorist coverage
Equal to bodily injury and property damage liability limits
You may also consider additional coverages for extra protection, including:
Collision coverage
Collision insurance covers damage to your vehicle after an at-fault accident.
Comprehensive coverage
Comprehensive insurance covers damage to your car after a non-collision event, like a natural disaster, falling objects, theft, or vandalism.
Personal injury protection (PIP) or medical payments (MedPay) coverage
MedPay covers medical bills for you and your passengers, while PIP also covers lost wages and other expenses.
Gap insurance
Gap insurance helps pay the difference between what your car is worth and what you have left on your auto loan if your car is a total loss after damage.
Cheapest car insurance for drivers with an incident
“Your driving record is one of the biggest factors in calculating your premium and is actually one of the rating factors you can control,” says Faulkner. Speeding tickets and at-fault accidents can both raise your premiums, and driving under the influence is a particularly serious offense that nearly doubles premiums on average in Woodbridge.
“Driving attentively, avoiding accidents, and remaining ticket-free is the best way to keep your insurance costs as low as possible,” Faulkner advises. It’s also important to compare quotes since some auto insurance companies are more lenient toward drivers with incidents on their record than others.
On average, Woodbridge drivers with a past driving incident on their records pay $152 per month for liability insurance and $248 for full coverage.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
In Woodbridge, a speeding ticket increases your car insurance premium. Drivers in the city with a past speeding ticket pay $162 per month for liability insurance.
Some car insurance companies offer affordable premiums to drivers with speeding tickets. If you have a speeding ticket, consider the cheapest companies available in Woodbridge.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners
44
58
State Farm
45
57
GEICO
60
77
USAA
60
77
Mercury
61
90
Chubb
66
86
Clearcover
70
96
Erie
70
98
Safeco
77
107
Nationwide
79
102
Allstate
95
121
Progressive
95
126
Elephant
97
125
Direct Auto
100
132
Liberty Mutual
103
142
National General
111
143
GAINSCO
117
146
AssuranceAmerica
118
161
Dairyland
122
161
Travelers
126
164
CSAA
149
197
Bristol West
158
206
The General
178
236
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: State Farm
If you’ve caused an accident in the past, insurance companies may view you as a high-risk driver and increase your premiums. On average, liability coverage for Woodbridge drivers with a past at-fault accident costs $166 per month.
Here are the average monthly quotes after an accident from the cheapest insurers in Woodbridge.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Auto-Owners
44
60
State Farm
45
59
GEICO
60
80
USAA
60
80
Mercury
61
93
Chubb
66
89
Clearcover
70
111
Erie
70
101
Safeco
77
112
Nationwide
79
107
Allstate
95
127
Progressive
95
132
Elephant
97
131
Direct Auto
100
138
Liberty Mutual
103
148
National General
111
151
GAINSCO
117
154
AssuranceAmerica
118
165
Dairyland
122
167
Travelers
126
171
CSAA
149
211
Bristol West
158
211
The General
178
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.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Virginia requires you to provide an FR-44 certification to the Department of Motor Vehicles to drive again after a DUI. Your insurance company must file the certification, which shows that you have double the required insurance minimums. This requirement nearly doubles costs for DUI drivers. But some insurance companies are more generous with policyholders than others after a DUI.
The cost of liability coverage for Woodbridge drivers with a past DUI is $189 per month on average. Below are average monthly quotes from the cheapest insurers for drivers with a DUI.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Auto-Owners
44
70
State Farm
45
72
GEICO
60
96
USAA
60
96
Mercury
61
100
Chubb
66
105
Clearcover
70
112
Erie
70
102
Safeco
77
123
Nationwide
79
126
Allstate
95
152
Progressive
95
152
Elephant
97
155
Direct Auto
100
160
Liberty Mutual
103
164
National General
111
177
GAINSCO
117
187
AssuranceAmerica
118
188
Dairyland
122
195
Travelers
126
201
CSAA
149
238
Bristol West
158
252
The General
178
284
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: Auto-Owners
Age is one of the factors that influence car insurance premiums because it relates to your experience driving.[5] “Drivers with more experience, who have not been involved in accidents or moving violations for a considerable amount of time, typically pay less for auto insurance,” says Faulkner. Drivers in their 50s and 60s tend to get the best quotes.
But prices increase slightly for drivers 70 and older due to an increased risk of serious injuries and other factors.[6] On average, senior drivers in Woodbridge pay $81 per month for liability coverage and $132 for full-coverage insurance.
Compare quotes from the cheapest car insurance companies for senior drivers below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
32
54
State Farm
32
53
Chubb
44
75
GEICO
44
75
USAA
44
75
Mercury
46
98
Erie
49
81
Nationwide
55
87
Clearcover
61
102
Safeco
61
107
Progressive
63
120
Allstate
71
119
Direct Auto
71
124
Elephant
71
124
Liberty Mutual
78
137
AssuranceAmerica
81
122
National General
83
163
GAINSCO
89
207
Dairyland
91
233
Travelers
92
116
CSAA
106
164
Bristol West
117
229
The General
135
241
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: Auto-Owners
Teen drivers pay much more than adults because research shows they’re more likely to be in an accident than any other age group. Teens therefore pose a higher risk to insurance companies than older drivers with more experience.
The average cost of coverage in Woodbridge for teen drivers is $203 per month for liability coverage and $332 for full coverage.
Luckily, teens can save on car insurance in a few ways, including keeping good grades and earning a good student discount. Some insurers may offer driver education or telematics discounts. And staying on your parents’ insurance can save your family money. It’s also a good idea to compare quotes since some companies offer teens better prices than others.
Below are the cheapest auto insurers for teens and their average monthly quotes.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
73
123
State Farm
77
128
GEICO
95
161
USAA
99
168
Mercury
112
238
Chubb
122
205
Clearcover
125
209
Erie
128
211
Nationwide
135
216
Safeco
137
241
Elephant
160
283
Allstate
167
279
Progressive
170
326
Liberty Mutual
174
305
Direct Auto
182
317
Dairyland
198
504
GAINSCO
209
487
National General
211
414
AssuranceAmerica
226
344
Travelers
227
286
CSAA
250
388
Bristol West
262
513
The General
285
510
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.
Woodbridge car insurance quotes by credit tier
Car insurance companies in Woodbridge can use your credit-based insurance score, which is based on information in your credit report, when setting your premium.[7] That’s because research shows that people with poor credit account for a higher share of car insurance claim payouts.[8] Because they represent a higher risk to insurers, people with poor credit history pay more for car insurance.
On the other hand, drivers with good credit history tend to pay the least. That’s why it’s important to maintain good credit. Below are the average quotes for Woodbridge drivers in each credit tier for full-coverage car insurance. As you can see, drivers with bad credit pay more than double what drivers with excellent credit pay.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Woodbridge?
Car insurance in Woodbridge costs $115 per month for liability insurance and $188 for full coverage, on average. For comparison, the average cost of auto coverage in Virginia is $93 per month for liability and $168 for full coverage. Car insurance premiums vary within the state and by ZIP code due to location-based factors related to population, rates of crime and theft, and accident rates.[5]
Though Woodbridge has a low population of around 45,000, the city has a relatively high population density of about 5,000 people per square mile.[1] Drivers in areas with higher population density face higher risks of property damage and vehicle accidents, which likely increases average auto insurance rates.
More cities in Virginia
Below, you can compare the average monthly liability and full-coverage insurance rates in different Virginia cities.
City
Liability Only
Full Coverage
Alexandria
$106
$177
Arlington
$90
$175
Charlottesville
$75
$133
Chesapeake
$103
$166
Lynchburg
$84
$150
Newport News
$105
$176
Norfolk
$113
$188
Portsmouth
$110
$187
Richmond
$114
$192
Roanoke
$87
$151
Virginia Beach
$100
$170
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Woodbridge car insurance FAQs
Learn about the best car insurance companies in Virginia to see how Woodbridge’s insurers compare across the state, and check out the answers to common questions about car insurance in the city.
How much is car insurance in Woodbrige?
The average cost of car insurance in Woodbridge is $115 per month for liability insurance and $188 for full-coverage insurance. Ultimately, your premium depends on your insurer, driving record, age, chosen coverage, and more.
What are the best car insurance companies in Woodbridge?
With an A++ (Superior) financial strength rating from AM Best and an Insurify Quality (IQ) Score of 4.5 out of 5, State Farm is one of the best car insurance companies in Woodbridge. On average, Virginia drivers with coverage from State Farm pay $40 per month for liability and $68 for full coverage.
Other top insurers with high IQ Scores include Auto-Owners, GEICO, and USAA. While these are the best auto insurers Insurify identified, you should always shop around and compare quotes to find the best coverage for your needs.
What companies have the cheapest car insurance in Woodbrige?
Auto-Owners has the cheapest liability coverage in Woodbridge, at $44 per month. State Farm and GEICO also offer some of the cheapest coverage, with respective liability rates of $45 and $60 per month. The best way to find cheap auto coverage is to compare quotes from multiple insurers at once.
How much car insurance do you need in Virginia?
Drivers in Virginia need $30,000 per person and $60,000 per accident for bodily injury liability coverage and $20,000 for property damage liability.[2] But these minimums will increase to 50/100/25 in 2025.
Is Virginia a no-fault state?
No. Virginia is an at-fault state. This means that drivers who cause an accident are responsible for paying the medical and repair costs of the other parties involved — typically through their liability policies.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.