120+ more*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on April 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on April 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Virginia drivers pay an average of $115 per month for liability-only policies and $199 per month for full-coverage insurance. These premiums are in line with national average car insurance costs.
We’ve collected rates for 120+ companies in Virginia, and you can see the cheapest insurer for different types of drivers in the table below.
Driver Category  | Cheapest Insurance Company in Virginia | Cheapest Monthly Quote in VA |
|---|---|---|
| Overall | Auto-Owners | $53 |
| State minimum coverage | Auto-Owners | $53 |
| Full coverage | Auto-Owners | $98 |
| Drivers with a clean record | Auto-Owners | $53 |
| After a speeding ticket | Auto-Owners | $68 |
| After an at-fault accident | Auto-Owners | $69 |
| After a DUI | Auto-Owners | $72 |
| Teen/new drivers | Auto-Owners | $111 |
| Seniors | Auto-Owners | $42 |
| Bad credit | Auto-Owners | $79 |
Liability car insurance helps pay for the other party’s property damage and injuries if you cause an accident. But it won’t cover your vehicle damage or medical bills.
Virginians pay an average of $115 per month for liability insurance. You can find some of the cheapest liability rates in the state with Auto-Owners.
Here’s a look at the cheapest liability-only car insurance quotes in Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $53 |
| State Farm | $55 |
| USAA | $73 |
| Chubb | $81 |
| CSAA | $82 |
| Erie | $84 |
| Mercury | $84 |
| Elephant | $87 |
| Nationwide | $95 |
| GEICO | $99 |
| National General | $104 |
| Bristol West | $105 |
| Direct Auto | $113 |
| Progressive | $113 |
| Allstate | $114 |
| GAINSCO | $114 |
| Safeco | $120 |
| Insurify Car | $122 |
| Dairyland | $135 |
| Liberty Mutual | $140 |
| Trexis | $142 |
| AssuranceAmerica | $143 |
| Root | $144 |
| The General | $149 |
| Travelers | $154 |
| Trexis One | $159 |
| Clearcover | $167 |
| Hugo | $175 |
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Anuj Desai
Anuj Desai | Digital Insurance Agent | Insurify, Insurify
Having a policy with Virginia’s minimum liability coverage lets you drive legally. But if you cause a serious accident, minimum coverage often isn’t enough. You’d have to pay out of pocket if the damages you cause exceed your policy limits.
Full-coverage car insurance usually includes liability, collision, and comprehensive coverages. Virginia drivers pay a monthly average of $199 for full-coverage policies. Auto-Owners and State Farm offer some of the most affordable full-coverage policies in The Old Dominion.
Auto-Owners has the cheapest full coverage car insurance in Virginia at $98 per month, which is $101 below the state average of $199 and well below the national average of $186. Rates vary substantially by insurer in Virginia, ranging from $98 with Auto-Owners to $339 with Trexis One.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $98 |
| State Farm | $100 |
| Elephant | $130 |
| CSAA | $131 |
| USAA | $135 |
| Chubb | $148 |
| Progressive | $151 |
| Mercury | $152 |
| Erie | $153 |
| GEICO | $166 |
| Safeco | $174 |
| Nationwide | $175 |
| Bristol West | $178 |
| National General | $186 |
| Liberty Mutual | $194 |
| Direct Auto | $196 |
| Allstate | $210 |
| Root | $215 |
| AssuranceAmerica | $236 |
| GAINSCO | $242 |
| Trexis | $265 |
| Travelers | $281 |
| Clearcover | $305 |
| Dairyland | $305 |
| The General | $317 |
| Trexis One | $339 |
*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on April 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on April 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you’re looking for a flexible car insurance option in Virginia, Insurify Car is worth exploring. The insurer offers standard liability coverage that you pay for in seven-day increments.
Insurify Car’s coverage is designed to get drivers the coverage they need to legally drive without a large down payment or monthly bill. When you buy your policy, you’ll be able to select a cancellation date or set up auto pay to keep your policy rolling from week to week.
Insurify Car might make sense if you only need minimum coverage and want to break up your car insurance costs into small, manageable weekly payments.
No single insurance company in Virginia will be the best for everyone. But some stand out above others. Below is a breakdown of the best car insurance companies in Virginia to help you start your search.
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $53/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. | $98/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
If you prefer additional protection behind the wheel, a full-coverage policy from Auto-Owners may be worthwhile. Auto-Owners offers some of the cheapest full-coverage premiums in Virginia, and you can further your savings through a variety of car insurance discounts, such as a safety-feature or multi-car discount.
Local agents throughout Virginia
Offers accident forgiveness
Special coverage for modified vehicles
Doesn’t offer online quotes
Available in only 26 states
| User Reviews | 4.0 |
|---|---|
| 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. | 8.6 /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. | $87/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. | $130/mo |
Elephant's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.3 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.
If you’re a high-risk driver in Virginia due to a traffic violation, such as a driving under the influence (DUI) conviction or speeding ticket, you can find some of the lowest rates from Elephant. The insurer also advertises unique discounts, such as a discount if you work from home or are a homeowner.
Unique add-ons like pet injury coverage and legal coverage
Advertises flexible payment plans
High Trustpilot rating
Not rated by J.D. Power or AM Best
Fewer add-ons than competitors
No rideshare insurance
| User Reviews | 4.0 |
|---|---|
| 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. | $55/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. | $100/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm offers affordable car insurance premiums for teens and young drivers in Virginia. If you’re younger than 25, you can sign up for the company’s Steer Clear program to practice safe driving and secure a discount. The car insurance company also advertises teen-specific discounts, like a good student discount and a student away at school discount.
Local car insurance agents in Virginia
Above-average J.D. Power rating in Virginia
Highly rated mobile app
Fewer coverage options than other insurers
Poor Trustpilot rating
Not accredited by the Better Business Bureau (BBB)
Over the past couple of years, car insurance costs in Virginia have remained relatively stable. Rates averaged $2,300 annually in 2024, and by the end of 2025, premiums in the state averaged $2,301 per year.
Virginia drivers could see a rate hike of 1.1% when 2026 comes to a close, with an average annual cost of $2,325, according to an Insurify auto report.
The chart below shows car insurance rates in Virginia over the last five years.
State Name | 2021-03 | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 1,569 | 1,560 | 1,557 | 1,553 | 1,555 | 1,559 | 1,559 | 1,564 | 1,567 | 1,569 | 1,570 | 1,573 | 1,580 | 1,594 | 1,604 | 1,609 | 1,614 | 1,620 | 1,627 | 1,634 | 1,642 | 1,653 | 1,667 | 1,690 | 1,721 | 1,759 | 1,803 | 1,851 | 1,888 | 1,920 | 1,958 | 1,985 | 2,007 | 2,037 | 2,077 | 2,129 | 2,195 | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
| Virginia | 1,447 | 1,438 | 1,429 | 1,422 | 1,412 | 1,408 | 1,405 | 1,403 | 1,403 | 1,397 | 1,403 | 1,399 | 1,397 | 1,405 | 1,409 | 1,409 | 1,408 | 1,416 | 1,421 | 1,422 | 1,424 | 1,433 | 1,439 | 1,447 | 1,456 | 1,472 | 1,503 | 1,526 | 1,560 | 1,592 | 1,618 | 1,644 | 1,666 | 1,710 | 1,723 | 1,774 | 1,832 | 1,862 | 1,914 | 1,952 | 2,031 | 2,110 | 2,176 | 2,230 | 2,273 | 2,279 | 2,289 | 2,305 | 2,351 | 2,376 | 2,388 | 2,393 | 2,384 | 2,373 | 2,368 | 2,366 | 2,376 | 2,386 | 2,375 | 2,382 | 2,397 |
Liability rates start at $53 per month
Virginia raised its minimum coverage limits as of Jan. 1, 2025. Below are Virginia’s minimum auto insurance requirements for all policies effective on or after Jan. 1, 2025:[1]
Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: $25,000 per accident
The Commonwealth of Virginia uses an Insurance Verification Program to electronically verify that Virginia-registered vehicles meet minimum liability insurance requirements.[2]
From the shores of the Chesapeake Bay to the peaks of the Blue Ridge Mountains, Virginians face diverse driving environments and behind-the-wheel risks. Richmond and Woodbridge residents face some of the highest auto insurance premiums in the state, while drivers in Bristol and Christiansburg generally pay the lowest rates.
Here’s an overview of the average car insurance costs in Virginia, broken down by city.
City | Average Monthly Quote |
|---|---|
| Alexandria | $173 |
| Arlington | $145 |
| Charlottesville | $124 |
| Chesapeake | $153 |
| Harrisonburg | $119 |
| Lynchburg | $129 |
| Newport News | $163 |
| Norfolk | $180 |
| Portsmouth | $177 |
| Richmond | $177 |
| Roanoke | $126 |
| Virginia Beach | $152 |
| Woodbridge | $176 |
Virginia residents with a clean driving record pay an average of $115 per month for minimum liability coverage.
Here’s a look at the cheapest car insurance rates for drivers with good credit and a clean driving history in Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $51 |
| State Farm | $53 |
| USAA | $70 |
| Chubb | $75 |
| Erie | $79 |
| Mercury | $82 |
| Elephant | $84 |
| Nationwide | $89 |
| CSAA | $89 |
| National General | $95 |
| GEICO | $97 |
| Bristol West | $101 |
| Direct Auto | $108 |
| GAINSCO | $109 |
| Allstate | $112 |
| Progressive | $113 |
| Insurify Car | $122 |
| AssuranceAmerica | $127 |
| Safeco | $128 |
| Dairyland | $128 |
| Trexis | $142 |
| The General | $142 |
| Root | $143 |
| Liberty Mutual | $145 |
| Travelers | $148 |
| Trexis One | $159 |
| Clearcover | $170 |
| Hugo | $177 |
In Virginia, if you drive 20 or more miles per hour above the speed limit, or you’re driving faster than 85 mph, authorities can charge you with reckless driving.[3]
Virginians with a speeding ticket can find the lowest average premiums through Auto-Owners and State Farm.
This data shows the cheapest car insurance costs for drivers with a speeding ticket in Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $68 |
| State Farm | $69 |
| USAA | $93 |
| Chubb | $102 |
| Elephant | $103 |
| CSAA | $106 |
| Erie | $110 |
| Mercury | $115 |
| Nationwide | $122 |
| GEICO | $128 |
| National General | $128 |
| Bristol West | $131 |
| GAINSCO | $135 |
| Progressive | $138 |
| Direct Auto | $140 |
| Allstate | $147 |
| Insurify Car | $149 |
| Safeco | $156 |
| Dairyland | $166 |
| Trexis | $174 |
| Liberty Mutual | $176 |
| AssuranceAmerica | $180 |
| Root | $190 |
| Trexis One | $194 |
| The General | $197 |
| Travelers | $198 |
| Clearcover | $211 |
| Hugo | $220 |
Virginia law requires drivers to report car accidents to law enforcement if the accident resulted in any injury, death, or vehicle or property damage.
The average liability car insurance rate for drivers in Virginia with an at-fault accident on their record is $148 per month.
Below, you’ll find the lowest premiums for Virginia drivers with an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $69 |
| State Farm | $72 |
| USAA | $97 |
| Chubb | $107 |
| Erie | $111 |
| Elephant | $112 |
| CSAA | $122 |
| Mercury | $125 |
| Nationwide | $127 |
| GEICO | $128 |
| Bristol West | $137 |
| National General | $137 |
| GAINSCO | $144 |
| Progressive | $146 |
| Allstate | $151 |
| Direct Auto | $152 |
| Insurify Car | $157 |
| Safeco | $165 |
| Dairyland | $176 |
| Trexis | $183 |
| Liberty Mutual | $184 |
| AssuranceAmerica | $188 |
| Root | $191 |
| The General | $203 |
| Trexis One | $205 |
| Travelers | $205 |
| Hugo | $230 |
| Clearcover | $236 |
Virginia imposes serious penalties on drivers with DUI convictions. A first offense leads to a minimum fine of $250 and driver’s license revocation for one year.[4] Virginia drivers with a DUI on their record pay a monthly average of $149 for a liability-only policy.
Here are the cheapest rates for drivers with a DUI in Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $72 |
| State Farm | $75 |
| USAA | $100 |
| Chubb | $111 |
| CSAA | $112 |
| Erie | $115 |
| Elephant | $119 |
| Mercury | $122 |
| Nationwide | $130 |
| GEICO | $134 |
| National General | $142 |
| Bristol West | $143 |
| Progressive | $146 |
| Direct Auto | $154 |
| Allstate | $156 |
| GAINSCO | $156 |
| Insurify Car | $158 |
| Safeco | $174 |
| Trexis | $183 |
| Dairyland | $184 |
| Liberty Mutual | $191 |
| AssuranceAmerica | $195 |
| The General | $196 |
| Root | $198 |
| Trexis One | $205 |
| Travelers | $210 |
| Clearcover | $228 |
| Hugo | $239 |
In Virginia, high-risk drivers may need to submit an FR-44 insurance certificate to the state proving they meet minimum car insurance requirements. You may be required to keep an FR-44 on file for a certain period of time for things like unsatisfied judgments, failure to provide proof of insurance, or driver’s license suspension.[5]
The average monthly car insurance cost for Virginia residents with an FR-44 insurance requirement is $141.
This data highlights the lowest premiums for drivers with an FR-44 in Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $65 |
| State Farm | $67 |
| USAA | $89 |
| Chubb | $99 |
| CSAA | $100 |
| Erie | $103 |
| Mercury | $103 |
| Elephant | $107 |
| Nationwide | $116 |
| GEICO | $121 |
| National General | $127 |
| Bristol West | $129 |
| Direct Auto | $138 |
| Progressive | $138 |
| Allstate | $140 |
| GAINSCO | $140 |
| Safeco | $147 |
| Insurify Car | $149 |
| Dairyland | $165 |
| Liberty Mutual | $171 |
| Trexis | $174 |
| AssuranceAmerica | $175 |
| Root | $176 |
| The General | $183 |
| Travelers | $189 |
| Trexis One | $195 |
| Clearcover | $205 |
| Hugo | $214 |
Liability rates for high-risk drivers average $141 per month
Teen drivers in Virginia can get their learner’s permit at 15 years and 6 months. Once they turn 16 years and 3 months, they’ll qualify for their driver’s license. Drivers younger than 18 must complete a state-approved driver education program and provide written consent from a parent or legal guardian.[6]
Teen drivers in Virginia pay monthly averages of $221 for liability coverage and $383 for full coverage.
Here are the cheapest car insurance rates for teen drivers in Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $110 |
| Auto-Owners | $111 |
| USAA | $139 |
| CSAA | $157 |
| Mercury | $158 |
| Elephant | $159 |
| Erie | $160 |
| Chubb | $171 |
| GEICO | $185 |
| Nationwide | $191 |
| Bristol West | $192 |
| GAINSCO | $211 |
| National General | $214 |
| Progressive | $218 |
| Direct Auto | $226 |
| Allstate | $232 |
| Insurify Car | $235 |
| Dairyland | $243 |
| Safeco | $250 |
| Liberty Mutual | $253 |
| Root | $258 |
| Trexis | $273 |
| The General | $276 |
| Clearcover | $284 |
| AssuranceAmerica | $303 |
| Trexis One | $306 |
| Travelers | $330 |
| Hugo | $331 |
In Virginia, 15% of the population is age 60 or older. Senior drivers in Virginia pay average monthly car insurance premiums of $99 for liability policies and $172 for full-coverage policies.
Below are the lowest auto insurance rates for senior drivers in their 60s in Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $42 |
| State Farm | $43 |
| USAA | $59 |
| Chubb | $61 |
| Erie | $64 |
| CSAA | $64 |
| Mercury | $67 |
| Elephant | $71 |
| Nationwide | $73 |
| GEICO | $79 |
| National General | $82 |
| Bristol West | $88 |
| Allstate | $93 |
| Direct Auto | $93 |
| GAINSCO | $98 |
| Progressive | $98 |
| Safeco | $105 |
| Insurify Car | $105 |
| AssuranceAmerica | $112 |
| Dairyland | $115 |
| Liberty Mutual | $117 |
| Root | $120 |
| Trexis | $123 |
| Travelers | $123 |
| The General | $127 |
| Trexis One | $137 |
| Clearcover | $148 |
| Hugo | $152 |
In Virginia, drivers with bad credit can find some of the most affordable car insurance coverage through Auto-Owners and State Farm.
Below are the lowest premiums for drivers with bad credit in Virginia.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $79 |
| State Farm | $79 |
| USAA | $89 |
| CSAA | $101 |
| Mercury | $103 |
| Elephant | $107 |
| Nationwide | $117 |
| GEICO | $122 |
| Erie | $123 |
| National General | $128 |
| Bristol West | $129 |
| Chubb | $129 |
| Direct Auto | $139 |
| Allstate | $140 |
| GAINSCO | $140 |
| Progressive | $141 |
| Safeco | $147 |
| Insurify Car | $152 |
| Dairyland | $166 |
| Liberty Mutual | $167 |
| AssuranceAmerica | $176 |
| Trexis | $177 |
| Root | $177 |
| The General | $183 |
| Travelers | $189 |
| Trexis One | $198 |
| Clearcover | $205 |
| Hugo | $215 |
See quotes from top insurers in minutes
If you’re shopping for cheap car insurance in Virginia, the additional information below can help as you research policy and coverage options.
Auto-Owners has the cheapest car insurance in Virginia, according to Insurify data. Its liability policies cost $53 per month, on average.
Car insurance in Virginia averages $115 per month for liability coverage and $199 per month for full coverage, Insurify data shows.
If you have incidents on your driving record in Virginia, The General might be a good choice since it works with high-risk drivers and has a strong ability to pay claims. But it’s not the cheapest insurer, so if you have a clean driving record, you’ll likely find better coverage elsewhere.
No. State Farm doesn’t offer traditional gap insurance in Virginia or any other state. It does offer Payoff Protector coverage if you have a loan originated by State Farm Bank. Payoff Protector pays the difference between your outstanding loan balance and the amount your insurer pays if your vehicle is a total loss.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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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.
