Cheapest Auto Insurance in Virginia (2024)
Auto-Owners offers the cheapest car insurance in the Old Dominion, at $36 per month for liability-only coverage.
Excellent
)
Written byTaylor Milam-Samuel
)
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Featured in
){kind=logo}
){kind=small}
){kind=logo}
)
Edited byKatie Powers
)
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.
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
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.
)
Data reviewed byKonstantin Halachev
)
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 October 13, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
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 $138, which is less than the national average of $158. And, Virginians pay less than drivers in Washington, D.C., where the overall monthly average rate is $126.
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 $179 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.
Find Car Insurance in Virginia
Rates start as low as $36 per month for liability-only coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $66 | $36 | Cheap rates |
| State Farm | 9.3 | $68 | $37 | Teen drivers |
| GEICO | 9.0 | $91 | $49 | Drivers 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 10 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
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
| 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. | $36/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. | $66/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 more driver reviews of Auto-Owners
Karen - October 11, 2024
Verified
Knowledgeable Agent!
My agent explained all my options, knew what I wanted and found a great deal for me! Awesome experience and service!
Mary - September 30, 2024
Verified
Premium Too High
I had them for only 6 months. I went from paying $162 to $638. I added a new car and a new driver. I understood there would be an increase, but not such a big one.
Charles - September 28, 2024
Verified
Auto Owners Insurance
This is a good company. However, their rates have become too expensive.
…
Best insurer for teen drivers: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| 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. | $37/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. | $68/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 more driver reviews of State Farm
Mike - October 13, 2024
Verified
Excellent
Great people to work with.
Chad - October 13, 2024
Verified
Pricey
The coverage was good, but the rates kept increasing even though I had no tickets or claims.
Christin - October 13, 2024
Verified
Bad Experience
The quote was outrageous.
…
Best insurer for drivers with a DUI: GEICO
GEICOCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
| 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. | $49/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. | $91/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 more driver reviews of GEICO
Becca - October 13, 2024
Verified
Disappointed
I thought I had roadside assistance, but ended up having to pay $140.00 for a tow.
Dorcas - October 13, 2024
Verified
Walk Away
Your insurance will increase even with an excellent driving record. I would not recommend this to any of my family and friends.
Mike - October 13, 2024
Verified
Poor
The cost is too high for me.
…
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 $97 per month. The following insurers offer the cheapest liability-only quotes in Virginia.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $36 |
| State Farm | $37 |
| USAA | $49 |
| GEICO | $49 |
| Chubb | $54 |
| Erie | $56 |
| Clearcover | $60 |
| Mercury | $62 |
| Nationwide | $64 |
| Allstate | $77 |
| Progressive | $81 |
| Direct Auto | $85 |
| Elephant | $88 |
| National General | $96 |
| Travelers | $103 |
| GAINSCO | $106 |
| Safeco | $110 |
| Dairyland | $112 |
| CSAA | $113 |
| AssuranceAmerica | $120 |
| Bristol West | $127 |
| Liberty Mutual | $145 |
| The General | $157 |
| Hugo | $185 |
| Foremost | $199 |
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, $179 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $66 |
| State Farm | $68 |
| USAA | $91 |
| GEICO | $91 |
| Chubb | $100 |
| Erie | $104 |
| Clearcover | $106 |
| Nationwide | $118 |
| Mercury | $128 |
| State Auto | $142 |
| Allstate | $142 |
| Progressive | $150 |
| Elephant | $155 |
| Direct Auto | $159 |
| Safeco | $178 |
| CSAA | $178 |
| National General | $186 |
| Travelers | $190 |
| AssuranceAmerica | $223 |
| Liberty Mutual | $241 |
| Bristol West | $246 |
| GAINSCO | $248 |
| Dairyland | $268 |
| The General | $312 |
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
Recent Virginia car insurance prices for Hyundai, Volkswagen, Nissan , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 10, 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 October 10, 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 October 10, 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 October 10, 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]
Coverage ▲▼ | Minimum 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:
Comprehensive coverage
If your car is damaged in a non-collision incident, like vandalism, severe weather, theft, or fire, comprehensive coverage kicks in.
Collision coverage
This policy covers the cost of repairs for your vehicle after an auto accident, regardless of fault. It can also pay for collision with objects, such as a tree, fence, or light pole. And, it covers rollover accidents.
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 $44 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $46.
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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $85 | $46 |
| State Farm | $86 | $47 |
| USAA | $116 | $62 |
| GEICO | $116 | $63 |
| Chubb | $130 | $70 |
| Erie | $136 | $73 |
| Clearcover | $137 | $78 |
| Nationwide | $152 | $82 |
| Mercury | $175 | $85 |
| Allstate | $181 | $98 |
| Progressive | $191 | $103 |
| Direct Auto | $203 | $108 |
| Elephant | $214 | $122 |
| Safeco | $230 | $142 |
| CSAA | $232 | $147 |
| National General | $238 | $123 |
| Travelers | $244 | $132 |
| AssuranceAmerica | $288 | $155 |
| Bristol West | $314 | $162 |
| Liberty Mutual | $333 | $200 |
| GAINSCO | $343 | $146 |
| Dairyland | $343 | $143 |
| The General | $403 | $203 |
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 $138 per month to $193. 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $88 | $48 |
| State Farm | $90 | $49 |
| USAA | $121 | $65 |
| GEICO | $121 | $65 |
| Chubb | $134 | $72 |
| Erie | $141 | $76 |
| Clearcover | $152 | $86 |
| Nationwide | $158 | $86 |
| Mercury | $182 | $88 |
| Allstate | $189 | $102 |
| Elephant | $202 | $115 |
| Progressive | $202 | $109 |
| Direct Auto | $216 | $115 |
| Safeco | $231 | $143 |
| CSAA | $246 | $156 |
| National General | $249 | $128 |
| Travelers | $254 | $138 |
| AssuranceAmerica | $294 | $158 |
| GAINSCO | $316 | $135 |
| Bristol West | $325 | $168 |
| Liberty Mutual | $344 | $207 |
| Dairyland | $354 | $148 |
| The General | $422 | $212 |
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, $286 for full coverage and $155 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $107 | $59 |
| State Farm | $111 | $60 |
| USAA | $148 | $80 |
| GEICO | $148 | $80 |
| Chubb | $163 | $88 |
| Erie | $169 | $91 |
| Clearcover | $172 | $98 |
| Mercury | $190 | $92 |
| Nationwide | $192 | $104 |
| Allstate | $231 | $125 |
| Progressive | $244 | $132 |
| Elephant | $252 | $143 |
| Direct Auto | $258 | $138 |
| Safeco | $289 | $179 |
| CSAA | $289 | $184 |
| National General | $302 | $156 |
| Travelers | $309 | $167 |
| AssuranceAmerica | $362 | $195 |
| Liberty Mutual | $392 | $236 |
| Bristol West | $400 | $206 |
| GAINSCO | $403 | $172 |
| Dairyland | $436 | $182 |
| The General | $507 | $255 |
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 $75 per month for liability coverage and $138 for full coverage in the commonwealth. And the cheapest insurance company for seniors is Auto-Owners, with liability-only rates averaging $27 per month.
The following insurers offer the best monthly quotes for senior drivers in Virginia.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $38 | $21 |
| Auto-Owners | $38 | $21 |
| Chubb | $51 | $27 |
| GEICO | $55 | $30 |
| USAA | $57 | $30 |
| Erie | $57 | $31 |
| Nationwide | $62 | $34 |
| Clearcover | $73 | $41 |
| Progressive | $73 | $40 |
| Mercury | $79 | $38 |
| Allstate | $87 | $47 |
| Direct Auto | $96 | $51 |
| CSAA | $99 | $63 |
| Elephant | $103 | $58 |
| National General | $111 | $57 |
| Travelers | $113 | $62 |
| Safeco | $126 | $78 |
| AssuranceAmerica | $134 | $72 |
| Bristol West | $155 | $80 |
| Liberty Mutual | $160 | $96 |
| Dairyland | $169 | $71 |
| GAINSCO | $182 | $78 |
| The General | $207 | $104 |
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 $326 per month for full coverage and $177 for a liability-only policy. Auto-Owners is the cheapest car insurance company for teen drivers, averaging $62 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: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $114 | $62 |
| State Farm | $119 | $65 |
| GEICO | $148 | $80 |
| USAA | $155 | $84 |
| Erie | $179 | $96 |
| Chubb | $192 | $104 |
| Clearcover | $207 | $117 |
| Nationwide | $208 | $113 |
| Mercury | $235 | $114 |
| Allstate | $256 | $139 |
| Elephant | $259 | $147 |
| Progressive | $273 | $147 |
| Direct Auto | $295 | $158 |
| CSAA | $296 | $188 |
| Travelers | $350 | $190 |
| Safeco | $362 | $224 |
| National General | $374 | $193 |
| AssuranceAmerica | $419 | $226 |
| Bristol West | $425 | $220 |
| Liberty Mutual | $436 | $262 |
| GAINSCO | $442 | $189 |
| Dairyland | $450 | $188 |
| The General | $509 | $256 |
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.
Find Car Insurance in Virginia
Comparing quotes with Insurify could save you up to $852 annually
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $97 per month for liability coverage and $179 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 $36 per month. State Farm and USAA also offer Virginia drivers cheaper rates, with monthly liability costs as low as $37 and $49, 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.
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
- 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.
Related articles
More cities in Virginia
Sources
- U.S. Department of Transportation Bureau of Transportation Statistics. "Virginia Transportation by the Numbers."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Virginia Department of Motor Vehicles. "Moving Violations and Point Assessments."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "Auto insurance for teen drivers."
)
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.
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.
Featured in
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.
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.
)
)
)
)
)
)