Cheapest Auto Insurance in Virginia (2024)

Auto-Owners offers the cheapest car insurance in the Old Dominion, at $39 per month for liability-only coverage.

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Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated June 20, 2024

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Cheapest recent rates in Virginia

Drivers in and around Virginia have found policies from Mercury, Safeco, Liberty Mutual, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on June 20, 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on June 20, 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

One of the most historic U.S. states, Virginia is home to portions of the Chesapeake Bay, Appalachian Mountains, and Atlantic coastline. The overall average monthly cost for car insurance in Virginia is $133, which is less than the national average of $160. And, Virginians pay less than drivers in Washington, D.C., where the overall monthly average rate is $156.

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 USAA offer some of the cheapest average car insurance rates in Virginia. But you may be able to find lower rates by comparing quotes from multiple insurance companies. Here’s what you need to know about finding affordable car insurance in Virginia.

Quick Facts
  • On average, drivers in Virginia pay $171 per month for full-coverage insurance.

  • Auto-Owners, State Farm, and USAA are the cheapest car insurance companies in Virginia.

  • Because Virginia is an at-fault state, the driver responsible for an accident must cover the other driver’s medical expenses and vehicle repair costs.

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Rates start as low as $39 per month for liability-only coverage

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Cheapest 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.

Insurance CompanyIQ 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 CoverageLiability OnlyBest for
Auto-Owners8.5$72$39Cheap rates
State Farm9.3$73$40Teen drivers
GEICO9.0$99$54Drivers with a DUI
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.
  • Our editorial team spent more than 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. The team weighted criteria 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. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
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.
8.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
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.
$39/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.
$72/mo

Auto-Owners offers the most competitive rates for Virginia drivers. The company is a top-notch regional insurer with extensive coverage options. Auto-Owners has a standard amount of available discounts.

The company has an A++ (Superior) rating from AM Best, which signifies solid financial strength. Plus, it received a below-average number of customer complaints on the National Association of Insurance Commissioners (NAIC) complaint index.

Pros
  • High customer satisfaction

  • Statewide network of local, independent agents

Cons
  • Some customers report a slow claims process

  • Limited digital access

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
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.
9.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
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.
$40/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.
$73/mo

As the largest U.S. auto insurer by market share, State Farm sells numerous insurance products. The company offers some of the most competitive rates in Virginia, and teen drivers have opportunities to save. Drivers can expect extensive discounts, the ability to work with a local agent, and solid digital access.

The company has an A++ (Superior) rating from AM Best and a below-average number of customer complaints on the NAIC complaint index.

Pros
  • Insurance for all types of drivers

  • Discount for student drivers

Cons
  • Mixed reviews for customer service

  • No gap insurance coverage

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

Best insurer for drivers with a DUI: GEICO

Compare personalized, real-time quotes
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.
9.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
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.
$54/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.
$99/mo

GEICO also offers competitive rates in Virginia. And the company has experience working with drivers with a DUI and can file FR-44 certificate of financial responsibility forms with the Virginia Department of Motor Vehicles, if needed. Customers can earn savings from an above-average number of available discounts. GEICO has an A++ rating from AM Best and below-average customer complaints on the NAIC complaint index.

Pros
  • Coverage options for drivers with a violation

  • Above-average customer satisfaction

Cons
  • No gap insurance 

  • No rideshare insurance 

Read our GEICO review
Solomon - June 20, 2024
Verified

Educated Consumer

It's a good company; however, search other companies for a cheaper cost.

Gloria - June 20, 2024
Verified

Expensive

It's a good insurance, just expensive for me at this time.

George - June 20, 2024
Verified

Been with them for 22 years and no one has yet beaten their price for me

Check with other companies first. One of the best things they offer is a monthly policy term.

How to get the cheapest car insurance in Virginia

Various factors affect your car insurance rates, including your driving record, age, credit history, location, and more. But you can lower the cost of coverage in a few different ways:[2]

  • 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 collision and comprehensive 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.

Cheapest liability-only car insurance in Virginia: Auto-Owners

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.[3] 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 $94 per month. The following insurers offer the cheapest liability-only quotes in Virginia.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyAverage Monthly Quote
Auto-Owners$39
State Farm$40
USAA$53
GEICO$54
Mercury$54
Chubb$59
Clearcover$60
Erie$61
Nationwide$69
Midvale Home & Auto$69
Safeco$74
Direct Auto$80
Progressive$82
Allstate$84
Elephant$85
State Auto$88
National General$96
GAINSCO$103
AssuranceAmerica$106
Dairyland$107
Travelers$112
CSAA$120
Liberty Mutual$121
Bristol West$131
The General$155
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: Auto-Owners

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, car theft, and vandalism.[4]

Virginia drivers pay, on average, $171 per month for full coverage. The following insurers offer some of the cheapest quotes for Virginia drivers.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyAverage Monthly Quote
Auto-Owners$72
State Farm$73
USAA$99
GEICO$99
Clearcover$104
Chubb$108
Erie$113
Mercury$115
Safeco$117
Midvale Home & Auto$119
Nationwide$128
Direct Auto$143
State Auto$144
Elephant$152
Allstate$154
Progressive$158
AssuranceAmerica$171
National General$187
CSAA$190
Liberty Mutual$198
Travelers$206
GAINSCO$243
Bristol West$260
Dairyland$261
The General$294
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 recent rates in Virginia

Drivers in and around Virginia have found policies from Elephant, National General, Liberty Mutual, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 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 June 20, 2024. 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 1, 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.[5]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$20,000 per accident
Uninsured/underinsured motorist coverage$30,000 per person / $60,000 per accident
Uninsured/underinsured property damage coverage$20,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This policy covers the cost of repairs for your vehicle after an auto accident, regardless of fault. It can also pay for collision with objects, such as a tree, fence, or light pole. And, it covers rollover accidents.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.[6]

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

Shop for Car Insurance in Virginia

Drivers with incidents on their records could find rates as low as $48 per month

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

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 cheapest insurance company for drivers with a speeding ticket is Auto-Owners, with monthly liability rates averaging $50.

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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm$93$51
Auto-Owners$93$50
USAA$127$68
GEICO$127$69
Clearcover$135$78
Chubb$141$77
Erie$148$80
Safeco$153$97
Mercury$158$74
Midvale Home & Auto$158$92
Nationwide$166$89
Direct Auto$184$103
Allstate$197$108
State Auto$200$123
Progressive$204$106
Elephant$215$120
AssuranceAmerica$223$139
National General$238$122
CSAA$250$158
Travelers$266$145
Liberty Mutual$280$171
Bristol West$332$167
Dairyland$337$138
GAINSCO$343$146
The General$382$201
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: Auto-Owners

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.[7] And if you have at least three years with a clean driving record, you may qualify for accident forgiveness coverage, which ensures your rates won't rise after your first at-fault accident.

An at-fault accident in the commonwealth pushes overall average rates from $133 per month to $190. 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: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners$96$52
State Farm$97$53
USAA$132$71
GEICO$133$72
Chubb$145$79
Clearcover$148$85
Safeco$152$96
Erie$154$83
Mercury$163$77
Midvale Home & Auto$168$98
Nationwide$172$93
Direct Auto$195$109
Elephant$199$111
Allstate$206$112
State Auto$211$129
Progressive$215$111
AssuranceAmerica$228$142
National General$251$129
CSAA$265$168
Travelers$277$151
Liberty Mutual$289$176
GAINSCO$313$133
Bristol West$343$173
Dairyland$348$143
The General$400$211
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

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.

Virginia drivers with a DUI pay, on average, $278 for full coverage and $153 for liability-only insurance. Consider the following insurance companies if you have a DUI and want coverage in Virginia.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners$119$65
State Farm$121$66
USAA$164$88
GEICO$164$89
Clearcover$172$99
Mercury$172$81
Chubb$179$98
Erie$187$101
Safeco$194$123
Midvale Home & Auto$197$114
Nationwide$212$114
Direct Auto$237$133
State Auto$239$146
Elephant$252$141
Allstate$255$139
Progressive$262$136
AssuranceAmerica$283$176
National General$310$159
CSAA$315$199
Liberty Mutual$328$201
Travelers$341$186
GAINSCO$403$171
Bristol West$431$217
Dairyland$433$177
The General$487$257
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

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 70.

Most drivers earn the lowest premiums around retirement age due to years of experience and safer driving habits. But around the age of 70, the price of car insurance for seniors increases a bit to correspond with increased risk factors associated with aging.[8]

On average, car insurance for senior drivers costs $68 per month for liability coverage and $124 for full coverage in the commonwealth. And the cheapest insurance company for seniors is Auto-Owners, with liability-only rates averaging $29 per month.

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

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm$37$20
Auto-Owners$38$21
Chubb$51$28
GEICO$56$30
Erie$56$30
USAA$57$30
Mercury$62$29
Nationwide$62$34
Clearcover$63$36
Midvale Home & Auto$64$37
Safeco$71$45
Progressive$72$37
State Auto$78$47
Direct Auto$81$45
Allstate$87$48
Elephant$89$50
AssuranceAmerica$94$58
CSAA$99$63
National General$112$58
Liberty Mutual$113$69
Travelers$114$62
Bristol West$153$77
Dairyland$155$63
GAINSCO$165$70
The General$184$97
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

Due to inexperience behind the wheel, unsafe driving habits, and a greater likelihood of speeding or at-fault accidents, teens are one of the riskiest and most expensive groups to cover. Because of that, teenagers typically face the highest auto insurance rates.[9]

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.

Teen car insurance in Virginia costs an average of $303 per month for full coverage and $167 for a liability-only policy. Auto-Owners is the cheapest car insurance company for teen drivers, averaging $67 per month for liability-only coverage.

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

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm$123$67
Auto-Owners$123$67
GEICO$155$85
USAA$163$87
Erie$189$102
Chubb$198$108
Clearcover$201$116
Midvale Home & Auto$204$118
Mercury$208$97
Nationwide$218$117
Safeco$242$153
Elephant$249$139
State Auto$254$155
Direct Auto$259$145
Allstate$268$146
Progressive$284$147
CSAA$309$195
AssuranceAmerica$316$196
National General$356$183
Liberty Mutual$363$222
Travelers$369$200
GAINSCO$429$182
Dairyland$433$178
Bristol West$440$222
The General$472$249
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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Virginia car insurance quotes by credit tier

Virginia insurance companies consider your credit history to generate a credit-based insurance score that they use 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.

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.

Virginia car insurance FAQs

You should decide on the right amount of coverage for you before you select an insurer and purchase insurance. The following information should help you navigate the process of buying car insurance in Virginia.

  • How much is car insurance in Virginia?

    On average, Virginia drivers pay $94 per month for liability coverage and $171 for full coverage. Your specific rate will depend on your driving record, age, credit history, and more.

  • What company has the cheapest car insurance in Virginia?

    Auto-Owners has the cheapest car insurance rates in Virginia. The insurer's rates for liability-only coverage start as low as $39 per month. State Farm and USAA also offer Virginia drivers cheaper rates, with monthly liability costs as low as $40 and $53, respectively.

  • What are the best car insurance companies in Virginia?

    With an Insurify Quality (IQ) Score of 4.4 and an A++ (Superior) AM Best rating, State Farm is the best car insurance company in Virginia. Other top insurers include Auto-Owners and GEICO.

  • Is it illegal to drive without insurance in Virginia?

    Virginia currently mandates that drivers either purchase the minimum amount of car insurance or opt out by paying a $500 uninsured motor vehicle fee to the DMV upon vehicle registration. However, beginning July 1st 2024, Virginia will no longer provide the latter option—all drivers will have to purchase a car insurance policy.

  • Is Virginia a no-fault state?

    No. Virginia is an at-fault state. This means the driver responsible for causing an accident must cover the other driver’s medical expenses and vehicle damages resulting from the accident.

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

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

  • 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%
  • 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 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%
  • 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%
  • 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%
  • 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.

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.

Sources

  1. U.S. Department of Transportation Bureau of Transportation Statistics. "Virginia Transportation by the Numbers."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
  5. Virginia Department of Motor Vehicles. "Insurance Requirements."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. Virginia Department of Motor Vehicles. "Moving Violations and Point Assessments."
  8. Insurance Information Institute. "Senior driving safety and insurance tips."
  9. Insurance Information Institute. "Auto insurance for teen drivers."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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