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Cheap Auto Insurance Quotes in Virginia (January 2022)
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Last Updated: January 2022
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 companies 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.
| Cheapest Companies | |
|---|---|
 Allstate | $36/mo |
 State Farm | $45/mo |
Progressive | $47/mo |
GEICO | $81/mo |
 Nationwide | $88/mo |
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 company reviews. The following are the top rated companies that offer car insurance in Virginia. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
Nationwide | $88/mo | |
 American Family | $141/mo | |
State Farm | $45/mo | |
GEICO | $81/mo | |
Allstate | $36/mo | |
 Liberty Mutual | $162/mo | |
Progressive | $47/mo | |
 Travelers | $90/mo |
Car Insurance in Virginia
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Virginia to find you the cheapest quotes in each of these metropolitan areas.
Virginia Beach is the most populous city in Virginia. Shore Drive, which runs parallel to the Chesapeake Bay and extends to the Virginia beach coastline, is a scenic route dotted with many charming communities and landmarks.
Quotes by Top Companies
Quotes ($/mo)
$58
$65
$66
$155
$224
AllstateState FarmProgressiveAmerican FamilyThe General
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Virginia Beach |  Allstate | $58/mo |
| Norfolk |  State Farm | $71/mo |
| Chesapeake | State Farm | $67/mo |
| Richmond | Allstate | $56/mo |
| Arlington | Progressive | $56/mo |
| Newport News | State Farm | $60/mo |
| Alexandria | State Farm | $68/mo |
| Hampton | Allstate | $57/mo |
| Roanoke | Allstate | $40/mo |
| Portsmouth | Allstate | $57/mo |
| Suffolk | Allstate | $57/mo |
| Lynchburg | Allstate | $41/mo |
| Centreville | Allstate | $64/mo |
| Reston | Progressive | $48/mo |
| Harrisonburg | Allstate | $36/mo |
| Leesburg | Progressive | $54/mo |
| Charlottesville | Allstate | $40/mo |
| Annandale |  Safeco | $142/mo |
| Ashburn |  Travelers | $122/mo |
| Blacksburg | Travelers | $91/mo |
| Burke |  Elephant | $150/mo |
| Chantilly | Travelers | $139/mo |
| Chester | Elephant | $133/mo |
| Fairfax |  Metromile | $71/mo |
| Falls Church | Elephant | $127/mo |
| Fredericksburg | Progressive | $105/mo |
| Gainesville | Elephant | $140/mo |
| Glen Allen | Elephant | $116/mo |
| Henrico |  State Auto | $95/mo |
| Herndon | Travelers | $131/mo |
| Lorton | Travelers | $164/mo |
| Manassas | Progressive | $106/mo |
| Mc Lean | Elephant | $132/mo |
| Midlothian | Progressive | $106/mo |
| Springfield | Travelers | $145/mo |
| Stafford | Elephant | $150/mo |
| Sterling | Elephant | $134/mo |
| Vienna | Travelers | $146/mo |
| Williamsburg | Progressive | $96/mo |
| Woodbridge | State Auto | $116/mo |
Cheapest Liability Auto Insurance in Virginia
For drivers in Virginia, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Virginia. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Virginia.
| Cheapest companies | |
|---|---|
 State Auto | $59/mo |
 Kemper Preferred | $64/mo |
Progressive | $71/mo |
 Safeco | $87/mo |
Travelers | $89/mo |
Cheapest Full Coverage Auto Insurance in Virginia
For drivers in Virginia, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Virginia. The following are the best insurance rates from carriers that offer full coverage auto insurance in Virginia.
| Cheapest companies | |
|---|---|
State Auto | $121/mo |
Kemper Preferred | $128/mo |
Progressive | $132/mo |
Travelers | $142/mo |
 Elephant | $148/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.
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 Company | |
|---|---|
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 Company | |
|---|---|
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.
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 Company | |
|---|---|
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 Company | |
|---|---|
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 Company | |
|---|---|
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.
For more detailed rates on specific personas and driving histories, use our Virginia insurance rate resources.
Insurify Insights: How Virginia Drivers Measure Up
Moving Violations Rank
Virginia
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Virginia drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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. Among all fifty states, Virginia drivers rank 14 in the number of car accidents per driver.
- Rank of States: #14
- Percent of drivers in Virginia with an accident: 11.24%
- Drivers in VA with an accident in their driving history paid on average 42.33% more than drivers with a clean record
Speeding in Virginia
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Virginia drivers rank 3 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #3
- Percent of drivers in Virginia with a speeding ticket: 14.57%
- Drivers in VA with a speeding ticket in their driving history paid on average 34.36% more than drivers with a clean record
DUI/DWIs in Virginia
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Virginia drivers rank 26 in the number of DUI’s per driver across all fifty states.
- Rank of States: #26
- Percent of drivers in Virginia with a DUI: 1.91%
- Drivers in VA with a DUI in their driving history paid on average 16.56% more than drivers with a clean record
Most Popular Vehicle in Virginia
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Virginia is the Honda Accord.
Rude in Virginia
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Virginia drivers rank 1 in rude driving infractions.
- Rank of States: #1
- Percent of drivers in Virginia with a reckless driving violation: 3.58%
- Drivers in VA with a reckless driving violation in their driving history paid on average 36.81% more than drivers with a clean record.
Safest Drivers in Virginia
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Virginia drivers rank 48 in clean driving records across all fifty states.
- Rank of States: #48
- Percent of drivers in Virginia with clean record: 75.57%
Street Racing in Virginia
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Virginia drivers rank 12 in street racing violations per driver.
- Rank of States: #12
- Percent of drivers in Virginia with a street racing violation: 0.01%
Failure to Yield the Right of Way in Virginia
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Virginia drivers rank 1 in failure to yield violations per driver across all fifty states.
- Rank of States: #1
- Percent of drivers in Virginia with a failure to yield violation: 0.99%
- Drivers in VA with a failure to yield violation in their driving history paid on average 39.26% more than drivers with a clean record
Reckless Drivers 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. Among all fifty states, Virginia drivers rank 1 in the number of reckless driving offenses per driver.
- Rank of States: #1
- Percent of drivers in Virginia with a reckless driving offense: 0.56%
Hybrid/Electric Vehicle Ownership in Virginia
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Virginia drivers rank 10 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #10
- Percent of drivers in Virginia with a hybrid/electric vehicle: 1.27%
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.
Mc Lean
% of Hybrids / Electrics
8%
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 Rankings
20%Rural Roads in
Poor Condition
#9
Ranked
7%Structurally Deficient
Rural Bridges
#12
Ranked
1%Fatality Rate per 100M VMT
on Rural Roads
#32
Ranked
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.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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