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 $154. And, Virginians pay less than drivers in Washington, D.C., where the overall monthly average rate is $173.

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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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: Auto-Owners

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: Tuesday, November 7 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	35
State Farm	36
GEICO	49
USAA	49
Chubb	53
Erie	56
Safeco	60
Mercury	63
Nationwide	63
State Auto	63
Clearcover	65
Midvale Home & Auto	70
Allstate	76
Liberty Mutual	80
Progressive	82
Elephant	82
AssuranceAmerica	92
Dairyland	92
National General	96
Direct Auto	97
GAINSCO	99
Travelers	102
CSAA	128
Bristol West	140
The General	155
Foremost	181

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, $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: Tuesday, November 7 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	89
Erie	92
Clearcover	99
Nationwide	101
Safeco	112
Midvale Home & Auto	114
Mercury	116
Allstate	126
Travelers	131
Elephant	133
State Auto	139
Direct Auto	142
Liberty Mutual	144
AssuranceAmerica	151
Progressive	155
National General	184
Dairyland	197
CSAA	199
GAINSCO	222
The General	258
Bristol West	270
Foremost	322

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: Auto-Owners

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 Auto-Owners, with monthly liability rates averaging $48.

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: Tuesday, November 7 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	82	48
State Farm	83	50
GEICO	112	68
USAA	112	68
Chubb	123	73
Erie	127	78
Clearcover	137	90
Nationwide	140	87
Safeco	155	83
Midvale Home & Auto	158	97
Mercury	161	87
Allstate	174	105
Travelers	181	141
Elephant	184	114
State Auto	192	87
Direct Auto	197	134
Liberty Mutual	199	111
AssuranceAmerica	209	127
Progressive	215	114
National General	255	133
Dairyland	273	127
CSAA	276	177
GAINSCO	307	137
The General	357	215
Bristol West	374	194
Foremost	446	251

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: Auto-Owners

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 $192. 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: Tuesday, November 7 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	84	50
State Farm	86	52
GEICO	116	70
USAA	116	70
Chubb	127	76
Erie	132	80
Clearcover	142	93
Nationwide	145	90
Safeco	160	86
Midvale Home & Auto	163	100
Mercury	166	90
Allstate	180	109
Travelers	187	146
Elephant	190	117
State Auto	199	90
Direct Auto	203	139
Liberty Mutual	206	114
AssuranceAmerica	216	132
Progressive	222	117
National General	263	137
Dairyland	282	132
CSAA	285	183
GAINSCO	318	142
The General	369	222
Bristol West	386	200
Foremost	461	259

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: Auto-Owners

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: Tuesday, November 7 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	96	57
State Farm	98	59
GEICO	132	80
USAA	132	80
Chubb	145	86
Erie	150	91
Clearcover	161	106
Nationwide	165	103
Safeco	183	98
Midvale Home & Auto	186	114
Mercury	189	103
Allstate	205	124
Travelers	214	166
Elephant	217	134
State Auto	227	103
Direct Auto	232	158
Liberty Mutual	235	130
AssuranceAmerica	246	150
Progressive	253	134
National General	300	157
Dairyland	321	150
CSAA	325	209
GAINSCO	362	161
The General	421	253
Bristol West	440	228
Foremost	525	295

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: Auto-Owners

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 Auto-Owners, 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: Tuesday, November 7 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	28	17
State Farm	28	17
GEICO	38	23
USAA	38	23
Chubb	42	25
Erie	43	26
Clearcover	47	31
Nationwide	48	30
Safeco	53	28
Midvale Home & Auto	54	33
Mercury	55	30
Allstate	59	36
Travelers	62	48
Elephant	63	39
State Auto	66	30
Direct Auto	67	46
Liberty Mutual	68	38
AssuranceAmerica	71	43
Progressive	73	39
National General	87	45
Dairyland	93	43
CSAA	94	60
GAINSCO	105	47
The General	122	73
Bristol West	127	66
Foremost	152	85

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: Auto-Owners

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 $307 per month for full coverage and $170 for a liability-only policy. Auto-Owners is the cheapest car insurance company for teen drivers, averaging $62 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: Tuesday, November 7 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	105	62
State Farm	106	64
GEICO	144	87
USAA	144	87
Chubb	158	94
Erie	163	99
Clearcover	176	115
Nationwide	179	112
Safeco	199	106
Midvale Home & Auto	202	124
Mercury	206	112
Allstate	224	135
Travelers	232	181
Elephant	236	145
State Auto	247	112
Direct Auto	252	172
Liberty Mutual	255	142
AssuranceAmerica	268	163
Progressive	275	145
National General	326	170
Dairyland	350	163
CSAA	353	227
GAINSCO	394	176
The General	458	275
Bristol West	479	248
Foremost	571	321

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.