Cheapest Auto Insurance in Virginia (2023)

Auto-Owners offers the cheapest car insurance in the Old Dominion, at $35 per month for liability-only coverage.

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Taylor Milam-Samuel
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Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Konstantin Halachev
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  • 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.

Updated November 17, 2023 at 6:30 AM PST

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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.

Quick Facts
  • On average, drivers in Virginia pay $173 per month for full-coverage insurance.

  • Auto-Owners, State Farm, and GEICO are the cheapest car insurance companies in Virginia.

  • Because Virginia is an at-fault state, the driver responsible for an accident must cover the other driver’s medical expenses and vehicle repair costs.

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Rates start as low as $35 per month for liability-only coverage

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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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Auto-Owners4.0$59$35Cheap rates
State Farm4.4$60$36Teen drivers
GEICO4.2$81$49Drivers with a DUI
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
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.
$35/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.
$59/mo

Auto-Owners offers the most competitive rates for Virginia drivers. The company is a top-notch regional insurer with extensive coverage options. Auto-Owners has a standard amount of available discounts.

The company has an A++ (Superior) rating from AM Best, which signifies solid financial strength. Plus, it received a below-average number of customer complaints on the National Association of Insurance Commissioners (NAIC) complaint index.

Pros
  • High customer satisfaction

  • Statewide network of local, independent agents

Cons
  • Some customers report a slow claims process

  • Limited digital access

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
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.
$36/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.
$60/mo

As the largest U.S. auto insurer by market share, State Farm sells numerous insurance products. The company offers some of the most competitive rates in Virginia, and teen drivers have opportunities to save. Drivers can expect extensive discounts, the ability to work with a local agent, and solid digital access.

The company has an A++ (Superior) rating from AM Best and a below-average number of customer complaints on the NAIC complaint index.

Pros
  • Insurance for all types of drivers

  • Discount for student drivers

Cons
  • Mixed reviews for customer service

  • No gap insurance coverage

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Best insurer for drivers with a DUI: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
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.
$49/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.
$81/mo

GEICO also offers competitive rates in Virginia. And the company has experience working with drivers with a DUI and can file FR-44 certificate of financial responsibility forms with the Virginia Department of Motor Vehicles, if needed. Customers can earn savings from an above-average number of available discounts. GEICO has an A++ rating from AM Best and below-average customer complaints on the NAIC complaint index.

Pros
  • Coverage options for drivers with a violation

  • Above-average customer satisfaction

Cons
  • No gap insurance 

  • No rideshare insurance 

Unwilling to work with clients. Especially senior citizens on a fixed income.

Janina - September 10, 2023
Verified

Awesome customer service, good prices, easy to deal with.

Kathleen - September 9, 2023
Verified

Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.

James - September 7, 2023
Verified
Read our GEICO review

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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Auto-Owners35
State Farm36
GEICO49
USAA49
Chubb53
Erie56
Safeco60
Mercury63
Nationwide63
State Auto63
Clearcover65
Midvale Home & Auto70
Allstate76
Liberty Mutual80
Progressive82
Elephant82
AssuranceAmerica92
Dairyland92
National General96
Direct Auto97
GAINSCO99
Travelers102
CSAA128
Bristol West140
The General155
Foremost181
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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Auto-Owners59
State Farm60
GEICO81
USAA81
Chubb89
Erie92
Clearcover99
Nationwide101
Safeco112
Midvale Home & Auto114
Mercury116
Allstate126
Travelers131
Elephant133
State Auto139
Direct Auto142
Liberty Mutual144
AssuranceAmerica151
Progressive155
National General184
Dairyland197
CSAA199
GAINSCO222
The General258
Bristol West270
Foremost322
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.

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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]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$20,000 per accident
Uninsured/underinsured motorist coverage$30,000 per person / $60,000 per accident
Uninsured/underinsured property damage coverage$20,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If your car is damaged in a non-collision incident, like vandalism, severe weather, theft, or fire, comprehensive coverage kicks in.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

Shop for Car Insurance in Virginia

Drivers with incidents on their records could find rates as low as $46 per month

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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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners8248
State Farm8350
GEICO11268
USAA11268
Chubb12373
Erie12778
Clearcover13790
Nationwide14087
Safeco15583
Midvale Home & Auto15897
Mercury16187
Allstate174105
Travelers181141
Elephant184114
State Auto19287
Direct Auto197134
Liberty Mutual199111
AssuranceAmerica209127
Progressive215114
National General255133
Dairyland273127
CSAA276177
GAINSCO307137
The General357215
Bristol West374194
Foremost446251
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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners8450
State Farm8652
GEICO11670
USAA11670
Chubb12776
Erie13280
Clearcover14293
Nationwide14590
Safeco16086
Midvale Home & Auto163100
Mercury16690
Allstate180109
Travelers187146
Elephant190117
State Auto19990
Direct Auto203139
Liberty Mutual206114
AssuranceAmerica216132
Progressive222117
National General263137
Dairyland282132
CSAA285183
GAINSCO318142
The General369222
Bristol West386200
Foremost461259
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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners9657
State Farm9859
GEICO13280
USAA13280
Chubb14586
Erie15091
Clearcover161106
Nationwide165103
Safeco18398
Midvale Home & Auto186114
Mercury189103
Allstate205124
Travelers214166
Elephant217134
State Auto227103
Direct Auto232158
Liberty Mutual235130
AssuranceAmerica246150
Progressive253134
National General300157
Dairyland321150
CSAA325209
GAINSCO362161
The General421253
Bristol West440228
Foremost525295
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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners2817
State Farm2817
GEICO3823
USAA3823
Chubb4225
Erie4326
Clearcover4731
Nationwide4830
Safeco5328
Midvale Home & Auto5433
Mercury5530
Allstate5936
Travelers6248
Elephant6339
State Auto6630
Direct Auto6746
Liberty Mutual6838
AssuranceAmerica7143
Progressive7339
National General8745
Dairyland9343
CSAA9460
GAINSCO10547
The General12273
Bristol West12766
Foremost15285
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
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners10562
State Farm10664
GEICO14487
USAA14487
Chubb15894
Erie16399
Clearcover176115
Nationwide179112
Safeco199106
Midvale Home & Auto202124
Mercury206112
Allstate224135
Travelers232181
Elephant236145
State Auto247112
Direct Auto252172
Liberty Mutual255142
AssuranceAmerica268163
Progressive275145
National General326170
Dairyland350163
CSAA353227
GAINSCO394176
The General458275
Bristol West479248
Foremost571321
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.

Find Car Insurance in Virginia

Comparing quotes with Insurify could save you up to $717 annually

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Virginia car insurance FAQs

You should decide on the right amount of coverage for you before you select an insurer and purchase insurance. The following information should help you navigate the process of buying car insurance in Virginia.

  • How much is car insurance in Virginia?

    On average, Virginia drivers pay $96 per month for liability coverage and $173 for full coverage. Your specific rate will depend on your driving record, age, credit history, and more.

  • What company has the cheapest car insurance in Virginia?

    Auto-Owners has the cheapest car insurance rates in Virginia. The insurer's rates for liability-only coverage start as low as $35 per month. State Farm and GEICO also offer Virginia drivers cheaper rates, with monthly liability costs as low as $36 and $49, respectively.

  • What are the best car insurance companies in Virginia?

    With an Insurify Quality (IQ) Score of 4.4 and an A++ (Superior) AM Best rating, State Farm is the best car insurance company in Virginia. Other top insurers include Auto-Owners and GEICO.

  • Is it illegal to drive without insurance in Virginia?

    Virginia currently mandates that drivers either purchase the minimum amount of car insurance or opt out by paying a $500 uninsured motor vehicle fee to the DMV upon vehicle registration. However, beginning July 1st 2024, Virginia will no longer provide the latter option—all drivers will have to purchase a car insurance policy.

  • Is Virginia a no-fault state?

    No. Virginia is an at-fault state. This means the driver responsible for causing an accident must cover the other driver’s medical expenses and vehicle damages resulting from the accident.

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

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

  • 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%
  • 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 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%
  • 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%
  • 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%
  • 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.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Department of Transportation Bureau of Transportation Statistics. "Virginia Transportation by the Numbers." Accessed August 2, 2023
  2. Insurance Information Institute. "How to save money on car insurance." Accessed July 27, 2023
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed July 26, 2023
  4. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?." Accessed July 26, 2023
  5. Virginia Department of Motor Vehicles. "Insurance Requirements." Accessed July 26, 2023
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 26, 2023
  7. Virginia Department of Motor Vehicles. "Moving Violations and Point Assessments." Accessed July 27, 2023
  8. Insurance Information Institute. "Senior driving safety and insurance tips." Accessed July 27, 2023
  9. Insurance Information Institute. "Auto insurance for teen drivers." Accessed July 27, 2023
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

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