Cheap Car Insurance in Virginia (With Quotes, September 2022)

Virginia auto insurance costs vary based on a number of factors related to location, each individual driver, and the insurance providers. Driver accident history involving any past DUIs, speeding tickets, and at-fault accidents is considered by auto insurance companies, in addition to the driver location, profile, background, age, and marital status.

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There are plenty of options for affordable car insurance in the state of Virginia. Insurify has made a list of the best cheap car insurance available in the state. Metromile offers the cheapest auto insurance coverage for Virginia drivers, with an average monthly rate of just $69. The remaining options range from $111 with State Auto to $281 with The General.

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Cheapest Liability Auto Insurance in Virginia

Liability coverage is an auto insurance policy that provides drivers with extra protection if they cause a car accident. Required in most states, minimum liability insurance includes both bodily injury liability and property damage liability as the minimum coverage to aid in paying costs associated with an accident, including medical expenses and property damage.

Cheapest Full-Coverage Auto Insurance in Virginia

Full-coverage car insurance is a coverage policy that combines comprehensive coverage, collision coverage, and liability insurance This policy provides holistic coverage and prevents drivers from being underinsured. Coverage limits and deductibles will vary. Below is a table with the cheapest rates from the best car insurance companies in Virginia.

Based on Insurify’s comprehensive Insurify Composite Score, the following chart shows the top-rated auto insurance providers in Virginia, alongside their corresponding monthly average rates.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Driving history impacts car insurance premiums and rates. Drivers with any accident history often pay higher auto insurance rates than those with a clean driving record. Insurify has determined the best rates for drivers with no recorded violations, as well as those with at-fault accidents, speeding tickets, or DUIs in their driving history.

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Cheap Car Insurance for Good Drivers in Virginia

The most foolproof methodology for preventing an increase in your annual premium is to maintain a clean driving record free of any moving violations, accidents, and crimes. Insurance providers view drivers with clean records as reliable and provide them with more affordable rates. Below is a table containing the average quotes for qualified good drivers in Virginia.

Cheap Car Insurance for Drivers with DUI in Virginia

Insurance rates increase for at least several years after a driver is charged with a DUI, and the individual becomes responsible for other fees and filings before getting back on the road. To simplify the overwhelming nature of this process, Insurify has compiled a list of Virginia insurance companies with the most cost-effective rates for drivers with a DUI.

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SR-22 Insurance in Virginia

The completion of an SR-22 insurance certification ensures that an individual whose driver’s license was suspended meets the state’s requirements for auto insurance before legally driving again. The following insurance companies offer this SR-22 certification process for Virginia drivers.

Cheap Car Insurance for Drivers with an At-Fault Accident in Virginia

No driver sets out to cause an accident, especially because at-fault accidents almost always increase rates. For drivers without accident forgiveness coverage, some insurance discounts are available and often necessary for lowering costs in the aftermath of an accident. The following companies have the best rates for Virginia drivers with one at-fault accident.

Cheap Car Insurance for Drivers with Speeding Tickets in Virginia

Even one speeding ticket increases insurance costs for drivers, and rates continue to rise depending on the total number of speeding ticket violations and how many miles per hour over the speed limit they were driving. Discount programs may help reduce costs, and the insurance providers below have the best rates for Virginia drivers with one speeding ticket.

Credit history can also be a factor that plays into your car insurance costs. That’s because drivers with excellent credit tend to account for fewer paid claims than drivers with a bad credit history. Below are the average monthly quotes for drivers with excellent, good, average, and poor credit scores.

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Insurance generally costs more for Virginia drivers under 40, with companies considering less experienced, young drivers at a higher risk for accidents and violations. Teen drivers are often charged quite a bit more than the national average for auto insurance, and new drivers must follow additional restrictions and guidelines. Find the best rates for any age below.

Auto insurance rates inevitably vary depending on a driver’s location within the state. By reviewing the data of Virginia’s major cities, Insurify has found the cheapest costs in each area. Check out the chart below to see where you can find low rates, whether you’re in Virginia Beach, Richmond, Roanoke, or elsewhere.

Every state has minimum insurance requirements, and Virginia is no exception. Additionally, all drivers in Virginia will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Virginia.

Minimum Car Insurance Requirements in Virginia

Virginia does not require automobile insurance, offering drivers to pay an Uninsured Motor Vehicle fee in lieu of coverage.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Virginia^[1] are:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Virginia DMV Information

Virginia DMVs offer a number of driver and ID services, vehicle services, and commercial services. Online services available include appointment scheduling, renewal of vehicle registration, driver’s license renewal and replacement, recording an address change, reporting a vehicle being sold or traded, and purchasing license plates.

New Virginia residents have 60 days to obtain a valid Virginia driver’s license, and commercial drivers have 30 days to obtain a Virginia commercial driver’s license. Additionally, new residents need to meet other requirements related to vehicle safety inspection, emission inspection standards, insurance requirements, vehicle titles, license plates, and more.

Public Transportation in Virginia

Public transportation resources and services in Virginia include commuter assistance services, a public transit service locator, bus routes, and passenger rail services via Amtrak. The Virginia Railway Express is available from the suburbs of Northern Virginia to Alexandria, Crystal City, and downtown Washington, D.C. More information can be found on official Virginia websites.

Be sure to solidify what type of coverage is best for you before searching for an insurance company. Since insurance rates fluctuate over time and vary based on a number of factors in and out of a driver’s control, the best practice for finding cheap rates is to compare costs between companies before purchasing or renewing auto insurance.

Insurify makes the quote comparison process painless and quick, providing all the information you need in one place.