Cheap Auto Insurance Quotes in Virginia (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Looking to pay peanuts on your car insurance in Virginia?

Read on. 

The State of Virginia gave us the swivel chair, lip balm, and even the first peanut farm—but what does it offer its residents? Mountain views, 28 wine trails, and miles of underrated beaches, for a start. To be fair, Virginia has some of the worst traffic congestion in the country (just ask D.C. commuters). But many find the world-renowned, free museums worth the bumper-to-bumper adventure.

Cheapest Car Insurance in Virginia

Here are the cheapest carriers in Virginia for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Virginia.

Best Car Insurance in Virginia

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Virginia. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Virginia

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Virginia to find you the cheapest quotes in each of these metropolitan areas.

Virginia Beach is the most populous city in Virginia. Shore Drive, which runs parallel to the Chesapeake Bay and extends to the Virginia beach coastline, is a scenic route dotted with many charming communities and landmarks.

CityCheapest CarrierQuote
AllstateAllstate
$58/mo
State FarmState Farm
$71/mo
State FarmState Farm
$67/mo
AllstateAllstate
$56/mo
ProgressiveProgressive
$56/mo
State FarmState Farm
$60/mo
State FarmState Farm
$68/mo
AllstateAllstate
$57/mo
AllstateAllstate
$40/mo
AllstateAllstate
$57/mo
AllstateAllstate
$57/mo
AllstateAllstate
$41/mo
AllstateAllstate
$64/mo
ProgressiveProgressive
$48/mo
AllstateAllstate
$36/mo
ProgressiveProgressive
$54/mo
AllstateAllstate
$40/mo

Virginia Driving Facts

Minimum Car Insurance Requirements in VA

In Virginia, motorists are required to purchase liability insurance in the following minimum coverage limits:

  • $25,000 for bodily injury or death of one person
  • $50,000 for bodily injury or death of two+ people
  • $20,000 for property damage liability

Proof of insurance should be kept in the vehicle at all times. This can be in the form of an insurance card or policy declaration page. And while lawyers and police officers may disagree about whether carrying proof of insurance is a law, your best bet is to comply with the recommendations of the DMV. 

virginia

Cheapest Car Insurance Quotes in Virginia by Profile

Here are the cheapest insurance companies in Virginia based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Virginia drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Direct Auto offers the best options for good drivers in Virginia, at $36 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuote
Direct Auto
$36/mo
State Farm
$45/mo
Progressive
$47/mo
GEICO
$81/mo
Nationwide
$88/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuote
State Farm
$36/mo
Auto Owners
$37/mo
Virginia Farm Bureau
$37/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuote
GEICO
$23/mo
Auto Owners
$28/mo
Erie
$35/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuote
GEICO
$23/mo
Erie
$27/mo
State Farm
$32/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Virginia, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. GEICO and USAA offer the cheapest car insurance rates for young drivers, averaging $22 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Virginia 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Virginians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuote
GEICO
$22/mo
USAA
$22/mo
Auto Owners
$26/mo
Erie
$28/mo
Virginia Farm Bureau
$29/mo

SR‌-22 Insurance in Virginia

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Virginia on your behalf.

VA DMV Information

If you're moving to Virginia, you'll need to get a few things to title and register your vehicle, and switch your driver's license. Luckily, the DMV has a series of videos that clearly explain essential procedures for Virginia residents. 

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Virginia

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Virginia offers many green driver incentives, including federal tax credits, vehicle weight limit extensions for natural gas vehicles, and discounts through some car insurance carriers.

Greenes Cities

Alexandria

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Norfolk

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Norfolk won Insurify's Most Patriotic Cities Award for the state of Virginia. The city has a significant military history, and is home to the largest naval station in the world.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Virginia is vital for all car insurance shoppers hitting the road in The Old Dominion State.

road with cars illustration

Road Rankings

20%Rural Roads in
Poor Condition

#9Ranked

7%Structurally Deficient
Rural Bridges

#12Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#32Ranked


FAQs - Virginia Car Insurance

How do I get the cheapest car insurance coverage in Virginia?

The answer is simple: comparison shop before you buy and comparison shop before you renew. If you’re unfamiliar, comparison shopping is simply looking at the price and features of each insurance policy and company—a task that used to take hours (even days) but is now reduced to minutes by using a comparison website like Insurify. Once you’ve made your decision and purchased your policy, make a follow-up plan. The market is in constant flux, so chances are the cheapest policy now won’t be the cheapest policy in the future. A great practice is to compare insurance quotes when you near the end of your policy, especially if you have some spots on your driving record. Bear in mind that you can run the numbers every day if you want to. And you can almost always easily switch companies even in the middle of your policy without incurring additional fees. Pro-tip: you can set alerts with your Insurify profile to receive an email any time Insurify identifies a lower rate for you.

Which is the best company for Virginia auto insurance?

Determining which is the best auto insurance company in Virginia is entirely up to each individual driver. Drivers who need a tech-savvy company will prefer an insurance provider like Progressive or GEICO, two companies that have done a lot of work developing apps and websites that customers actually enjoy using. For other drivers, different needs will take precedence, including: price, customer service, discount programs, company practices/ethics, and proximity of a local insurance office. In short, the best auto insurance company will be different for everyone. A great way to start is to make a prioritized list of must-haves and nice-to-haves to make the decision process easier.

Does Virginia require moped insurance?

Yes, Virginia requires moped insurance if the vehicle operates over 35 miles per hour or has a motor that displaces more than 50 cubic centimeters (CCs). (This refers to the space inside the pistons; information should be easily accessed in your owner’s manual.) According to the DMV website, mopeds like these are considered motorcycles. As such, owners are expected to comply with insurance and emissions requirements. Drivers operating mopeds under these limits do not need to carry insurance.