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Cheap Auto Insurance in Virginia (2023)

Car insurance rates for drivers in Virginia start as low as $60/mo. for liability coverage with State Farm.

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Evelyn Pimplaskar
Written by
Evelyn Pimplaskar
Evelyn Pimplaskar
Written by
Evelyn Pimplaskar
Editor-in-Chief, Director of Content
Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.
Ashley Cox
Edited by
Ashley Cox
Headshot of Managing Editor Ashley Cox
Edited by
Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Updated December 22, 2022

Virginia was one of the original 13 colonies to form the U.S., but when it comes to car insurance costs, the Old Dominion is neither the cheapest nor most expensive state to drive in. Virginia is the 22nd least-expensive state for car insurance, with an average monthly rate of $202.

Quick Facts

  • The average cost of car insurance in Virginia is $202/mo.

  • State Farm is the cheapest provider in Virginia, with average rates of $89/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Virginia: State Farm

1
State Farm logo

State Farm

Best Cheap Car Insurance Virginia
Average Monthly Cost:
$60
Insurify Composite Score:
88

Liability-only insurance is typically the lowest-cost type of insurance you can buy. In Virginia, State Farm has the lowest quote for minimum coverage, at just $60 per month. This is roughly 108% less than the state average cost of $202. Kemper Preferred, USAA, and GEICO also offer competitive rates for liability insurance in Virginia, but note that USAA only serves military families.

The following table shows monthly average liability quotes from multiple companies for drivers in Virginia.

Car Insurance CompanyAverage Monthly Quote
State Farm$60
Kemper Preferred$70
USAA$82
GEICO$82
Safeco$84
State Auto$85
Travelers$86
Erie$89
Stillwater$93
American Family$96
Clearcover$103
Midvale Home & Auto$106
Elephant$108
Progressive$109
National General$117
Mercury$119
Nationwide$121
Liberty Mutual$131
Allstate$133
AssuranceAmerica$149
Farmers$151
Dairyland$168
Kemper Specialty$168
Direct Auto$172
Bristol West$176
CSAA$224
The General$224
Amica Mutual$300
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.

Learn More: Best Car Insurance Companies

Minimum car insurance requirements in Virginia

Virginia requires car insurance for all motor vehicles operated or parked on the commonwealth’s roadways. You’ll need to carry proof of insurance in your car at all times. You’ll need to show it if a law enforcement officer asks for it, when you renew your vehicle registration, or if you get in an accident.

To register a vehicle and drive in Virginia, you’ll need to carry a minimum of:

  • $30,000 per person bodily injury coverage

  • $60,000 per accident bodily injury coverage

  • $20,000 property damage liability coverage

Take note that those limits will rise for policies effective on or after Jan. 1, 2025, when you’ll have to carry bodily injury coverage of $50,000 per person and $100,000 per accident, and property damage coverage of $25,000.[1]

Virginia DMV information

The Virginia Department of Motor Vehicles manages driver’s licensing, private vehicle titling and registration, and commercial permitting and registration. Through the DMV website, you can make an appointment at a DMV location, renew your registration or driver’s license, change your address, report a vehicle sold or traded, and buy a license plate.[2]

Public transportation in Virginia

The Virginia Department of Rail and Public Transportation operates the Virginia Breeze, a bus service with routes that connect rural areas of the state to the national bus network.[3] Additionally, Amtrak passenger trains run between several Virginia cities, including Richmond and Norfolk, to points of interest inside and outside the state.[4]

You’ll need to rely on a car or other form of motor vehicle transportation to navigate around the state, but some Virginia cities are very walkable. For example, the website Walk Score gives Arlington a score of 71 for walkability and 72 for cycling.[5] The Virginia REALTORSⓇ Association gives Arlington a walkability score of 69, noting that only some errands can be accomplished on foot.[6]

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Tips for getting cheap car insurance in Virginia

Comparison shopping to find the best rate available to you is a smart way to find cheap car insurance. You can also take some additional steps to reduce your car insurance costs, including:

  • Bundling: Many insurers offer discounts to customers who purchase both car and home or renter’s insurance from the same company.

  • Keep your driving record clean: Moving violations can push up car insurance rates. Driving safely and carefully can help ensure you avoid the kind of incidents that increase rates.

  • Polish your credit score: Many insurance companies consider credit scores when setting car insurance rates. Generally, the higher your score, the lower your insurance rates will be.

  • Seek discounts: Car insurance companies typically offer a variety of discounts. For example, if you have a teen driver, they might be eligible for a good student discount.

Learn More: How Does a Clean Driving Record Affect Your Car Insurance?

Liability-only vs. full-coverage insurance in Virginia

If you live in Virginia, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

The following table provides a look at average monthly rates for the cheapest auto insurance in Virginia by policy type. State Farm has the lowest monthly averages, with just $60 for liability-only insurance and $89 for full coverage.

Insurance CompanyLiability Only Full Coverage
State Farm$60$89
Kemper Preferred$70$108
USAA$82$122
GEICO$82$123
Safeco$84$144
State Auto$85$188
Travelers$86$121
Erie$89$133
Stillwater$93$225
American Family$96$144
Clearcover$103$147
Midvale Home & Auto$106$163
Elephant$108$140
Progressive$109$163
National General$117$193
Mercury$119$187
Nationwide$121$131
Liberty Mutual$131$211
Allstate$133$198
AssuranceAmerica$149$227
Farmers$151$226
Dairyland$168$306
Kemper Specialty$168$275
Direct Auto$172$232
Bristol West$176$273
CSAA$224$312
The General$224$351
Amica mutual$300$449
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.

See More: High-Risk Car Insurance Virginia 

How your driving history affects Virginia car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Virginia. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Virginia based on driving and accident history.

Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
USAA$84$98$53$97
Kemper Preferred$99$125N/A$121
Travelers$113$128$174$152
State Farm$116$136$73$134
Nationwide$120$153$108$151
Farmers$126$147$79$144
Elephant$130$166$184$171
Clearcover$133$209N/A$178
American Family$136$159$86$156
Safeco$136$157$154$169
Midvale Home & Auto$140$245$215$204
State Auto$153$318N/A$320
Progressive$154$180$97$177
Mercury$158$260$273$250
National General$181$223$239$205
Allstate$187$219$118$215
Stillwater$199$248N/A$311
AssuranceAmerica$205$280$409$286
Direct Auto$207$297$265$283
Liberty Mutual$207$217$224$233
GEICO$214$250$135$246
Kemper Specialty$252$338$297$324
CSAA$254$554$811$533
Bristol West$255$330$312$318
Dairyland$288$352$356$338
The General$319$441$432$429
Erie$338$395$213$389
Amica Mutual$424$496$267$488
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.

See More: SR-22 Car Insurance Virginia 

SR-22 insurance in Virginia

Moving violations could prompt the state or courts to require you to verify you have adequate insurance. An SR-22 is a document that you obtain from your state’s department of motor vehicles. You might need to get one if your driving record includes multiple at-fault accidents, DUIs, more than one speeding ticket in a short time frame, or you’ve been caught driving with insufficient insurance.

The following companies provide SR-22 insurance in Virginia:

How credit scores affect Virginia car insurance quotes

Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores. The table below shows how credit score can affect car insurance rates in Virginia.

Credit TierAverage Monthly Quote
Excellent$177
Good$194
Average$205
Bad$215
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.

See More: Bad Credit Car Insurance Virginia 

How your city affects Virginia insurance quotes

Location is an important factor in car insurance rates. Virginians who live and drive in urban areas face higher population density and more traffic that may put them at higher risk of an accident. The table below gives an idea of how location can affect car insurance quotes.

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.

How your age affects your Virginia car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates in Virginia.

Age GroupAverage Monthly Rate
Teenagers$386
Under 25$255
20s$185
30s$166
40s$165
50s$133
60s$147
70s$136
80+$164
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.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others affect all age groups evenly. Generally, though, young drivers have the highest car insurance rates of any age group.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
AssuranceAmerica$212$303$347$563
Bristol West$250$361$382$710
Clearcover$137$188$202$354
CSAA$288$405$576$665
Dairyland$229$380$404$748
Direct Auto$243$316$360$597
Elephant$128$168$178$324
Kemper Preferred$94$135$148$257
Kemper Specialty$225$347$394$659
Liberty Mutual$195$299$283$617
Mercury$163$251$314$440
Midvale Home & Auto$148$209$257$360
National General$161$251$264$492
Nationwide$193$162$174$310
Progressive$145$208$223$416
Safeco$115$182$185$362
State Auto$106$244$418$368
StillwaterN/A$135N/AN/A
The General$291$454$510N/A
Travelers$92$142$142$259
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.

Quotes for middle-aged drivers

As drivers age and gain experience, their insurance rates typically fall. This is especially true for drivers who’ve maintained clean driving records and good credit scores.

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
AssuranceAmerica$105$174$209$306
Bristol West$125$210$268$378
Clearcover$91$128$157$235
CSAA$178$264$393$432
Dairyland$118$240$299$430
Direct Auto$113$166$221$289
Elephant$96$122$152$223
Kemper Preferred$50$90N/A$165
Kemper Specialty$120$213$275$378
Liberty Mutual$93$154$162$295
Mercury$89$145$202$247
Midvale Home & Auto$84$136$171$237
National General$71$132$159$243
Nationwide$108$115$139$207
Progressive$82$131N/A$225
Safeco$74$129$140$243
State Auto$78$165$254$283
StillwaterN/A$204N/AN/A
The General$170$289$363$517
Travelers$85$113$118$215
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.

Quotes for senior drivers

Seniors typically pay the lowest car insurance premiums of any age group. But their rates can begin to rise as they move into their 70s and 80s, especially if they have an at-fault accident or other moving violation.

The following table compares how different insurance factors affect average monthly rates for drivers 60 and older.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
AssuranceAmerica$98$145$176$265
Bristol West$104$185$221$336
Clearcover$77$111$182$197
CSAA$158$184N/A$324
Dairyland$116$219$279$374
Direct Auto$128$158$224$263
Elephant$89$97$127$173
Kemper PreferredN/A$81N/AN/A
Kemper Specialty$117$197$245$354
Liberty Mutual$81$130$145$241
Mercury$75$123$193$207
Midvale Home & Auto$83$120$161$209
National General$83$141N/A$237
Nationwide$96$100$114$185
Progressive$70$106N/A$207
Safeco$75$110$133$201
State Auto$78$139N/A$255
The General$193$256$382$468
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

Drivers in Virginia enjoy some competitive car insurance rates, and they have many options for lower insurance premiums. Here are the answers to some common questions about car insurance in Virginia.

  • Kemper Preferred has the lowest overall average car insurance rate in Virginia at $108 per month, according to Insurify data. Kemper also has the lowest rate for full-coverage insurance, which includes comprehensive and collision, at $108. For liability-only coverage, State Farm clocks in with the lowest quote at just $60 per month.

  • Many factors can contribute to car insurance increases, from macro factors like the state’s overall economy to driver-level metrics like driving habits. For example, a rise in claims in your area may result in rate increases for everyone in the region when it comes time to renew your policy. And being involved in an at-fault accident or getting a speeding ticket could increase your car insurance rates.

  • The cost of car insurance in Virginia ranges from a low of just $60 per month for liability-only car insurance (from State Farm) to a high of $449 for full-coverage insurance (from Amica Mutual).

  • The best car insurance company for you will depend on your individual needs and budget. But many quality insurers offer competitive rates for Virginia car insurance. For example, State Farm — which has the lowest average rate for liability-only insurance in the commonwealth — has an AM Best rating of A++[7] and a customer satisfaction rating of 817 (out of 1,000) from J.D. Power.[8]

  • Because it’s an at-fault state, Virginia doesn’t require motorists to carry PIP. Generally, PIP is only required in no-fault states, where each driver’s car insurance covers their own damages or injuries, regardless of who’s at fault in an accident.

  • Yes, you’ll need to have at least minimum required liability coverage in order to register and drive your car in Virginia. As of now, Virginia requires bodily injury coverage of $30,000 per person and $60,000 per accident, and $20,000 property damage liability coverage. Those limits will increase to $50,000 per person, $100,000 per accident, and $25,000 property damage for policies effective on or after Jan. 1, 2025. 

  • Full-coverage car insurance in Virginia includes at least the state’s minimum required level of liability insurance, plus collision and comprehensive coverage. Depending on your insurance company, you may have access to optional coverages, too, such as rental car reimbursement, gap coverage, or new car replacement coverage.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Virginia Department of Motor Vehicles. "Insurance Requirements." Accessed December 21, 2022
  2. Virginia Division of Motor Vehicles. "DMV homepage." Accessed December 21, 2022
  3. Virginia Department of Rail and Public Transportation. "The Virginia Breeze." Accessed December 21, 2022
  4. Amtrak. "Where to, Virginia?." Accessed December 21, 2022
  5. Walk Score. "Cities in Virginia." Accessed December 21, 2022
  6. Virginia REALTORS Association. "Top 10 Walkable Communities in Virginia." Accessed December 21, 2022
  7. AM Best. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Most of Its Subsidiaries." Accessed December 21, 2022
  8. J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds." Accessed December 21, 2022
Evelyn Pimplaskar
Written by
Evelyn Pimplaskar
Linkedin

Editor-in-Chief, Director of Content

Evelyn Pimplaskar is Insurify’s director of content. With 30-plus years in content creation – including 10 years specializing in personal finance – Evelyn’s done everything from covering volatile local elections as a beat reporter to building fintech content libraries from the ground up.

Prior to joining Insurify, she was editor-in-chief at Credible, where she launched and developed the lending marketplace’s media partnership’s content initiative, and managed the restructuring of the editorial team to enhance content production efficiency. Formerly, as Credit Karma’s tax editor, Evelyn built a library of more than 300 educational articles on federal and state taxes, achieving triple-digit year-over-year growth in e-files from organic search.

Her early career included work as a content marketer, vice president and managing officer of a boutique public relations agency, chief copy editor for 14 weekly Forbes publications, reporting for large and mid-sized daily newspapers, and freelancing for the Associated Press.

Evelyn is passionate about creating personal finance content that distills complex topics into relatable, easy-to-understand stories. She believes great content helps empower readers with the information they need to make important personal finance decisions.

Learn More
Ashley Cox
Edited by
Ashley Cox
Linkedin

Managing Editor

Headshot of Managing Editor Ashley Cox
Edited by
Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Linkedin

VP of Engineering

Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.