Cheapest 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 $155. And, Virginians pay less than drivers in Washington, D.C., where the overall monthly average rate is $176.

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.

State Farm, Auto-Owners, 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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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.

Best insurer for cheap rates: Auto-Owners

Best insurer for teen drivers: State Farm

Best insurer for drivers with a DUI: GEICO

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: State Farm

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 $96 per month. The following insurers offer the cheapest liability-only quotes in Virginia.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

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
State Farm	36
Auto-Owners	36
GEICO	49
USAA	49
Chubb	54
Erie	56
Safeco	61
Mercury	63
Nationwide	64
State Auto	64
Clearcover	65
Midvale Home & Auto	71
Allstate	77
Liberty Mutual	80
Elephant	82
Progressive	82
AssuranceAmerica	93
Dairyland	94
Direct Auto	97
National General	97
GAINSCO	99
Travelers	103
CSAA	128
Bristol West	140
The General	153

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, $172 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: Thursday, November 30 at 11:00 AM PST. 

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	59
State Farm	60
GEICO	81
USAA	81
Chubb	88
Erie	92
Clearcover	98
Nationwide	101
Midvale Home & Auto	113
Safeco	114
Mercury	114
Allstate	126
Travelers	131
Elephant	136
State Auto	140
Liberty Mutual	146
Direct Auto	148
AssuranceAmerica	151
Progressive	155
National General	184
CSAA	198
Dairyland	199
GAINSCO	224
The General	259
Bristol West	269

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.^[5]

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.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

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 State Farm, with monthly liability rates averaging $50.

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: Thursday, November 30 at 11:00 AM PST. 

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
State Farm	75	45
Auto-Owners	77	47
GEICO	103	63
USAA	103	62
Chubb	113	70
Erie	126	77
Clearcover	128	85
Nationwide	130	82
Midvale Home & Auto	151	95
Safeco	156	83
Allstate	160	98
Mercury	163	90
Travelers	169	133
Elephant	174	105
Liberty Mutual	175	96
Direct Auto	198	130
State Auto	199	91
Progressive	205	109
AssuranceAmerica	207	127
National General	236	125
CSAA	259	168
Dairyland	260	123
GAINSCO	278	123
The General	338	200
Bristol West	346	180

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: State Farm

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 $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: Thursday, November 30 at 11:00 AM PST. 

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
State Farm	79	48
Auto-Owners	79	48
GEICO	108	66
USAA	108	65
Chubb	118	72
Erie	131	80
Nationwide	136	86
Clearcover	153	102
Midvale Home & Auto	163	102
Safeco	167	89
Allstate	168	103
Mercury	169	93
Travelers	177	139
Liberty Mutual	178	98
Elephant	183	110
State Auto	207	94
Direct Auto	208	137
AssuranceAmerica	213	131
Progressive	218	115
National General	247	130
Dairyland	270	127
CSAA	279	180
GAINSCO	295	130
Bristol West	355	185
The General	356	210

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: State Farm

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, $282 for full coverage and $157 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: Thursday, November 30 at 11:00 AM PST. 

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	94	57
State Farm	96	57
GEICO	129	78
USAA	129	78
Chubb	140	86
Erie	147	89
Clearcover	156	104
Nationwide	161	102
Mercury	176	97
Midvale Home & Auto	180	113
Safeco	182	97
Allstate	201	123
Travelers	209	164
Direct Auto	215	141
Elephant	217	131
State Auto	223	102
Liberty Mutual	233	128
AssuranceAmerica	241	148
Progressive	247	131
CSAA	288	186
National General	293	155
Dairyland	317	150
GAINSCO	357	158
The General	413	244
Bristol West	429	223

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: State Farm

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 $65 per month for liability coverage and $117 for full coverage in the commonwealth. And the cheapest insurance company for seniors is State Farm, with liability-only rates averaging $24 per month.

The following insurers offer the best monthly quotes for senior drivers in Virginia.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

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
State Farm	28	17
Auto-Owners	29	18
Chubb	38	24
GEICO	41	25
Erie	41	25
USAA	43	26
Nationwide	46	29
Mercury	63	35
Progressive	64	34
Allstate	66	40
Travelers	68	54
Safeco	73	39
Elephant	73	44
Direct Auto	74	48
Clearcover	77	51
Liberty Mutual	80	44
AssuranceAmerica	85	53
CSAA	93	60
National General	113	60
Dairyland	115	54
GAINSCO	135	60
Bristol West	148	77
The General	162	96

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: State Farm

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 $305 per month for full coverage and $170 for a liability-only policy. State Farm is the cheapest car insurance company for teen drivers, averaging $64 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: Thursday, November 30 at 11:00 AM PST. 

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	99	60
State Farm	102	61
GEICO	126	76
USAA	132	80
Chubb	159	98
Erie	166	101
Nationwide	170	108
Clearcover	175	116
Midvale Home & Auto	190	120
Safeco	204	109
Mercury	210	116
Allstate	219	134
Elephant	224	135
Travelers	234	184
State Auto	250	114
Liberty Mutual	256	140
Direct Auto	265	174
Progressive	279	148
AssuranceAmerica	280	172
Dairyland	322	152
CSAA	322	208
National General	343	181
GAINSCO	404	178
The General	411	243
Bristol West	445	231

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.

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.