Best Cheap Auto Insurance in Virginia (2023)

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 $134, which is less than the national average of $154. And, Virginians pay less than drivers in Washington, D.C., where the overall monthly average rate is $182.

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 GEICO 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.

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Best 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.

Best insurer for cheap rates: Auto-Owners

Best insurer for teen drivers: State Farm

Best insurer for drivers with a DUI: GEICO

Cheapest liability-only car insurance in Virginia

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.^[4] 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 $95 per month. The following insurers offer the cheapest liability-only quotes in Virginia.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

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Insurance Company	Average Monthly Quote
Auto-Owners	36
State Farm	37
USAA	50
GEICO	50
Chubb	55
Erie	57
Safeco	59
State Auto	61
Nationwide	64
Clearcover	66
Mercury	67
Midvale Home & Auto	73
Liberty Mutual	78
Allstate	78
Elephant	81
Progressive	82
AssuranceAmerica	89
Dairyland	92
National General	93
GAINSCO	95
Direct Auto	96
Travelers	105
Kemper	109
CSAA	128
Bristol West	138
The General	157

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

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.^[5]

Virginia drivers pay, on average, $173 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, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	58
State Farm	59
USAA	80
GEICO	80
Chubb	88
Erie	91
Clearcover	100
Nationwide	100
Safeco	112
Midvale Home & Auto	114
Mercury	117
Allstate	125
Elephant	129
Travelers	130
State Auto	137
Direct Auto	142
Liberty Mutual	143
AssuranceAmerica	149
Progressive	155
National General	183
Kemper	197
Dairyland	198
CSAA	202
GAINSCO	214
The General	256
Bristol West	262

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.

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.^[6]

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.^[7]

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

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Cheapest car insurance for drivers with a speeding ticket

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 average cost for a full-coverage policy with a speeding ticket is $240 per month in Virginia. 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, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	81	50
State Farm	83	52
USAA	112	70
GEICO	112	70
Chubb	123	77
Erie	127	80
Clearcover	140	92
Nationwide	140	90
Safeco	157	83
Midvale Home & Auto	160	102
Mercury	164	94
Allstate	175	109
Elephant	181	113
Travelers	182	147
State Auto	192	85
Direct Auto	199	134
Liberty Mutual	200	109
AssuranceAmerica	209	125
Progressive	217	115
National General	256	130
Kemper	276	153
Dairyland	277	129
CSAA	283	179
GAINSCO	300	133
The General	359	220
Bristol West	367	193

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

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.^[8] 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 $134 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, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	84	52
State Farm	85	53
USAA	115	72
GEICO	115	72
Chubb	127	79
Erie	131	82
Clearcover	144	95
Nationwide	144	92
Safeco	161	85
Midvale Home & Auto	164	105
Mercury	169	97
Allstate	180	112
Elephant	186	117
Travelers	187	151
State Auto	197	88
Direct Auto	205	138
Liberty Mutual	206	112
AssuranceAmerica	215	128
Progressive	223	118
National General	264	134
Kemper	284	157
Dairyland	285	133
CSAA	291	185
GAINSCO	309	137
The General	369	226
Bristol West	378	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 car insurance for drivers with a DUI

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, $283 for full coverage and $156 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, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	95	59
State Farm	97	61
USAA	131	82
GEICO	131	82
Chubb	144	90
Erie	149	94
Clearcover	164	108
Nationwide	164	105
Safeco	184	97
Midvale Home & Auto	187	120
Mercury	192	110
Allstate	205	128
Elephant	212	133
Travelers	213	172
State Auto	225	100
Direct Auto	233	158
Liberty Mutual	235	128
AssuranceAmerica	245	146
Progressive	254	135
National General	300	153
Kemper	323	179
Dairyland	325	151
CSAA	332	210
GAINSCO	351	156
The General	420	258
Bristol West	430	227

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

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.^[9]

On average, car insurance for senior drivers costs $63 per month for liability coverage, and $115 for full coverage in the commonwealth. The following insurers offer the best monthly quotes for senior drivers in Virginia.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	27	17
State Farm	28	17
USAA	38	23
GEICO	38	23
Chubb	41	26
Erie	43	27
Clearcover	47	31
Nationwide	47	30
Safeco	53	28
Midvale Home & Auto	54	34
Mercury	55	31
Allstate	59	37
Travelers	61	49
Elephant	61	38
State Auto	64	29
Liberty Mutual	67	37
Direct Auto	67	45
AssuranceAmerica	70	42
Progressive	73	38
National General	86	44
Kemper	92	51
Dairyland	93	43
CSAA	95	60
GAINSCO	100	45
The General	120	74
Bristol West	123	65

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

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.^[10]

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 $311 per month for full coverage, and $171 for a liability-only policy. Here are the cheapest car insurance companies in Virginia for young drivers.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Auto-Owners	105	65
State Farm	107	67
USAA	145	90
GEICO	145	90
Chubb	159	99
Erie	164	103
Clearcover	181	119
Nationwide	181	116
Safeco	202	107
Midvale Home & Auto	206	132
Mercury	211	121
Allstate	226	141
Elephant	233	146
Travelers	235	190
State Auto	248	110
Direct Auto	257	173
Liberty Mutual	258	141
AssuranceAmerica	269	161
Progressive	280	148
National General	331	168
Kemper	356	197
Dairyland	358	166
CSAA	365	231
GAINSCO	387	172
The General	463	284
Bristol West	473	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.

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:^[11]

• 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.

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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.

Virginia car insurance FAQs

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 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

• 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. 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%
• DUIs in Virginia

  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 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. 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%
• Rude Driving in Virginia

  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%
• Speeding in Virginia

  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%
• Failure to Yield Rates in Virginia

  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.