Cheapest Auto Insurance in Alexandria, Virginia (2026)
Auto-Owners offers the cheapest car insurance in Alexandria, with minimum-coverage policies as low as $66 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byLindsay VanSomeren
)
Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Edited byAshley Cox
)
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Reviewed byJohn Leach
)
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Alexandria, Virginia, residents pay a monthly average rate of $132 for liability-only coverage and $214 for full coverage, compared to the national averages of $97 and $183 for the same policy types.
Even with so many professionals working for the government in Alexandria and across the Potomac River in Washington, D.C., the average cost of insurance is roughly similar to the country as a whole. Alexandria drivers tend to drive safely, have better credit, and be in their prime years for the best insurance prices — all factors that contribute to low overall rates.
Comparing quotes from multiple car insurance companies could help Alexandria drivers save even more.
Quick Facts
Auto-Owners, State Farm, and USAA offer the cheapest car insurance in Alexandria.
Alexandria drivers pay $2,570 per year, on average, for a full-coverage policy.
Alexandria drivers pay $1,588 per year, on average, for a liability policy.
3 of the cheapest car insurance companies in Alexandria
Car insurance isn’t a one-size-fits-all service. That’s why many companies offer coverage options based on your family’s needs.
Each company prices its policies differently, so it’s important to spend a few minutes comparing quotes and coverage options. This can save you hundreds or thousands of dollars in the long run. Start your search for coverage with the three insurers below.
Insurance Company  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $105 | $55 | Low rates |
| State Farm | 9.3 | $107 | $57 | Coverage options |
| USAA | 9.1 | $144 | $76 | Military members |
Disclaimer: Table data sourced from real-time Alexandria car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alexandria may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: Auto-Owners
| 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. | $66/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. | $125/mo |
4.3
Best choiceBased on 328 verified driver reviews and ratings
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 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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++Why we picked this company
Auto-Owners offers some of the lowest auto insurance rates to Alexandria residents, costing about one-third less than other popular insurers like GEICO. Reviews are mixed on many sites. But the National Association of Insurance Commissioners (NAIC) records a much lower number of complaints than expected for an insurance company of its size.
Auto-Owners sells its policies through independent agents whom you’ll need to contact for a quote. Also, if you’re only stationed in Alexandria temporarily for work and might be re-assigned somewhere else later, keep in mind that Auto-Owners is only available in 26 states across the U.S.
Pros
Offers many discounts
A++ (Superior) AM Best financial strength rating
Cons
Can’t get a quote online
Doesn’t offer rideshare coverage
Best insurer for coverage options: State Farm
| 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. | $68/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. | $129/mo |
4.0
Best choiceBased on 17,132 verified driver reviews and ratings
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 |
How drivers feel about State Farm
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 37 Virginia reviews for Alexandria driversSee all 7,397 State Farm reviews
Verified Review
Reviewed in Virginia on April 14, 2026
Rates go up no matter how long you have been with them or your driving record.
Verified Review
Reviewed in Virginia on April 11, 2026
Offhanded and more interested in cash than anything else. I drive 6,000 miles a year or less and get little discount.
Verified Review
Reviewed in Virginia on April 4, 2026
I never had a problem with them.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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++Why we picked this company
As the largest U.S. auto insurer by market share, State Farm has a few advantages that could be helpful if you live in Alexandria. State Farm is available nationwide, except for in Massachusetts and Rhode Island, so if you move elsewhere, you don’t have to worry about finding a new auto insurer.
State Farm also offers one of the widest ranges of insurance products, whether you need renters insurance, home insurance, life insurance, or even insurance policies for business owners with a home office. State Farm also offers savings accounts and other more traditional options from a financial institution through its partnership with U.S. Bank.
Pros
Lots of coverage options
Offers rideshare coverage
Cons
More expensive for people with bad credit
Doesn’t cover custom or aftermarket equipment
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $91/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. | $173/mo |
4.9
Best choiceBased on 3,426 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 3 Virginia reviews for Alexandria driversSee all 1,532 USAA reviews
Verified Review
Reviewed in Virginia on March 13, 2026
It was great until policy renewal, then it went up $110 a month.
Verified Review
Reviewed in Virginia on November 27, 2025
Great insurance company that makes the claims process easy.
Verified Review
Reviewed in Virginia on July 23, 2025
Insurance is much too high but lower than others I've priced. Service is excellent and flexible, and the policy is good for full coverage, just too darn expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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++Why we picked this company
More Alexandria residents work for the Department of Defense than any other single employer.[1]If that’s you, then consider USAA, another full-service financial institution catering to military members, veterans, and their families.
USAA offers many coverage options for individuals and families, such as hefty discounts if you store your car while you’re deployed or otherwise away, and permanent discounts if you have a family history of being policyholders.
Pros
Excellent customer service
Extra products and discounts for families
Cons
Doesn’t offer gap insurance
No nearby brick-and-mortar offices
How to get the cheapest car insurance in Alexandria
Insurance agencies consider many different factors when calculating the cost of car insurance. Your address — even among different areas of Alexandria — can have a big effect on your monthly rates because your risk of vandalism, vehicle theft, accidents, and other claims changes in different areas.
Your credit score, vehicle details, and even your education level can also affect the rates that companies may quote you. Finding the best rate doesn’t have to be complicated, though. Here are some tips to help you:[2]
Shop around. Get an insurance quote from at least three companies to help you find the lowest price.
Ask about discounts. Look for companies offering special rates or catering to employees of military and other government organizations.
Find an agent. Consider working with an experienced agent or broker to help you find the best option among different companies if you have specific insurance needs.
Drive safely. A clean driving record will help you save on insurance coverage.
Find Cheap Car Insurance in Alexandria, Virginia
Liability-only rates start at $66 per month
Excellent
4.7 out of 5 based on 13,606 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Alexandria: Auto-Owners
Alexandria drivers pay an average of $132 per month for minimum coverage, according to Insurify data. This type of policy doesn’t cover you or your personal belongings at all, only offering a limited amount of liability coverage if you injure someone else or their property while driving.
Here’s how much the top companies in Alexandria are charging for liability coverage:
The below rates in Alexandria, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $66 |
| State Farm | $68 |
| USAA | $91 |
| CSAA | $98 |
| Chubb | $99 |
| Mercury | $103 |
| Erie | $104 |
| Elephant | $107 |
| Nationwide | $118 |
| GEICO | $122 |
| National General | $128 |
| Bristol West | $129 |
| Direct Auto | $138 |
| Progressive | $138 |
| Allstate | $142 |
| GAINSCO | $142 |
| Safeco | $149 |
| Dairyland | $167 |
| Liberty Mutual | $173 |
| Trexis | $175 |
| Root | $177 |
| AssuranceAmerica | $184 |
| The General | $184 |
| Travelers | $190 |
| Trexis One | $199 |
| Clearcover | $204 |
Disclaimer: Table data sourced from real-time Alexandria car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alexandria may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Alexandria: Auto-Owners
A full-coverage policy in Alexandria costs an average of $214 per month. Full coverage adds on collision and comprehensive to protect your car in case of an at-fault accident and other hazards like weather and theft.
Insurers offering full-coverage policies to Alexandria customers charge the following average rates:
The below rates in Alexandria, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $125 |
| State Farm | $129 |
| Elephant | $166 |
| CSAA | $167 |
| USAA | $173 |
| Progressive | $185 |
| Chubb | $189 |
| Mercury | $196 |
| Erie | $197 |
| GEICO | $211 |
| Safeco | $222 |
| Nationwide | $224 |
| Bristol West | $228 |
| National General | $237 |
| Direct Auto | $248 |
| Liberty Mutual | $248 |
| Allstate | $270 |
| Root | $272 |
| GAINSCO | $309 |
| AssuranceAmerica | $313 |
| Trexis | $339 |
| Travelers | $362 |
| Dairyland | $375 |
| Clearcover | $384 |
| The General | $406 |
| Trexis One | $431 |
Disclaimer: Table data sourced from real-time Alexandria car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alexandria may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Alexandria, Virginia drivers
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $105/mo for full coverage in Alexandria and other Virginia cities.
*Quotes generated for Insurify users in and around Alexandria, Virginia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Alexandria, Virginia within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Virginia, like most other states, requires drivers to have a minimum amount of coverage.
The specific coverage limits required in the state increased on Jan. 1, 2025. The table below reflects the change in requirements:[3]
Coverage Type | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $20,000 per accident | $25,000 per accident |
Moving upward in protection, a full-coverage policy adds on comprehensive and collision coverages. Depending on your individual needs, you might consider other insurance coverage options, such as the following:
Personal injury protection or medical payments coverage
PIP coverage and MedPay coverage offer financial protection for you and your own passengers in the event of an accident.
Gap coverage
Gap insurance reimburses you for any difference between your insurance payout and the remaining balance on your auto loan if your vehicle is totaled.
Roadside assistance coverage
Roadside assistance coverage helps pay for short-term emergency expenses in getting you back on the road, such as flat tires, tows, and more.
Cheapest car insurance for drivers with an incident
Alexandria has a lower rate of traffic-related deaths compared to surrounding areas.[4] Even so, you can expect your insurance payments to ramp up significantly if you have an at-fault accident, a speeding ticket, or a conviction for driving under the influence on your record. These violations indicate that you’re a higher-risk driver.
Here’s how much you can expect to pay for liability coverage if you live in Alexandria and have certain traffic infractions on your driving record:
The below rates in Alexandria, VA, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| Auto-Owners | $66 | $85 | $86 | $90 |
| State Farm | $68 | $85 | $89 | $93 |
| USAA | $91 | $116 | $121 | $124 |
| Chubb | $99 | $124 | $130 | $135 |
| CSAA | $98 | $126 | $145 | $134 |
| Elephant | $107 | $126 | $138 | $146 |
| Erie | $104 | $136 | $137 | $142 |
| Mercury | $103 | $141 | $152 | $149 |
| Nationwide | $118 | $151 | $157 | $161 |
| GEICO | $122 | $158 | $158 | $165 |
| Bristol West | $129 | $161 | $168 | $176 |
| GAINSCO | $142 | $167 | $180 | $194 |
| Progressive | $138 | $168 | $177 | $178 |
| Direct Auto | $138 | $171 | $186 | $189 |
| Allstate | $142 | $182 | $188 | $194 |
| Safeco | $149 | $193 | $205 | $216 |
| Dairyland | $167 | $205 | $218 | $228 |
| Trexis | $175 | $213 | $225 | $226 |
| Liberty Mutual | $173 | $217 | $227 | $236 |
| AssuranceAmerica | $184 | $231 | $241 | $251 |
| Root | $177 | $233 | $235 | $244 |
| Trexis One | $199 | $242 | $256 | $257 |
| The General | $184 | $243 | $250 | $242 |
| Travelers | $190 | $243 | $253 | $260 |
| Clearcover | $204 | $257 | $288 | $279 |
Disclaimer: Table data sourced from real-time Alexandria car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Alexandria may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
People living in Alexandria tend to be in the prime of their life, at least when it comes to insurance rates. The area as a whole has about 4% fewer people younger than 18 and 5% fewer adults older than 65 compared to the rest of the United States.[5]
This is important because your car insurance rates tend to be highest in your teens, gradually decreasing until your mid-30s where they plateau until they start increasing again in your early 70s. [6] [7] This reflects your riskiness as a driver; teens and senior drivers are statistically more likely to get in accidents.
Here’s how much Alexandria drivers of different ages typically pay for coverage:
Age | Average Monthly Quote |
|---|---|
| Teens | $299 |
| 20s | $206 |
| 30s | $152 |
| 40s | $139 |
| 50s | $124 |
| 60s | $116 |
| 70s | $119 |
Disclaimer: Table data is based on real-time Alexandria quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Alexandria, VA
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 13,606 reviews
Secure. Free. Easy-to-use.
Alexandria car insurance quotes by credit tier
Insurance companies use your credit history as another predictor of your risk, a practice banned in some states but not in Virginia.[8] If you have a good credit score, you can expect to pay a lot less for car insurance than if you have poor credit.
Here’s how much Alexandria drivers with different credit profiles pay for full-coverage insurance:
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $130 |
| Good | $154 |
| Fair | $169 |
| Poor | $243 |
Alexandria car insurance FAQs
If you’re shopping for car insurance in Alexandria, Virginia, this additional information may help as you research your coverage options.
How much is car insurance in Alexandria?
Car insurance in Alexandria costs an average of $132 per month for liability-only coverage and $214 per month for full coverage, according to Insurify data.
Who has the cheapest car insurance in Alexandria?
With a monthly liability rate of $66, Auto-Owners has the cheapest car insurance in Alexandria. Other affordable insurers include State Farm and USAA, with monthly liability rates of $68 and $91, respectively.
But the cheapest car insurance company for you will depend on multiple factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.
What are the best car insurance companies in Alexandria?
With above-average J.D. Power customer satisfaction ratings, an A++ (Superior) AM Best financial strength rating, and a high Insurify Quality (IQ) score of 9.3 out of 5, State Farm is one of the best car insurance companies in Alexandria. Other top insurers in the city include Auto-Owners and USAA.
Sources
- Alexandria Economic Development Partnership. "Alexandria Demographics."
- Insurance Information Institute. "How to save money on car insurance."
- Virginia State Corporation Commission Bureau of Insurance. "Auto Insurance Consumer’s Guide."
- Virginia Department of Motor Vehicles. "2022 Virginia Traffic Crash Facts."
- U.S. Census Bureau. "Quick Facts Alexandria City, United States."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Institute for Highway Safety. "Older Drivers."
- National Association of Insurance Commissioners. "CREDIT-BASED INSURANCE SCORES."
Methodology
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:
- 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
- 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.
Related articles
)
Best Car Insurance in Virginia
State Farm, USAA, and Erie are three of the best car insurance companies in Virginia.
|April 17, 2026
)
Gap Insurance in Virginia
Gap insurance gives your wallet extra protection when you finance or lease your vehicle. But the optional coverage comes at a cost.
|April 17, 2026
)
Rideshare Insurance in Virginia
If you drive for a rideshare company in Virginia, your personal insurance won’t provide sufficient coverage.
|April 16, 2026
)
Cheap SR-22 and FR-44 Insurance in Virginia
Auto-Owners, State Farm, and USAA have the cheapest liability rates in Virginia.
|April 16, 2026
)
Car Insurance Requirements in Virginia
You must carry bodily injury liability coverage and property damage liability coverage to drive in Virginia.
|April 16, 2026
Average Car Insurance Cost in Virginia
Drivers in Virginia pay an average of $145 per month for car insurance.
|April 13, 2026
Temporary Car Insurance in Virginia: What Your Short-Term Options Really Are
You can’t get temporary car insurance in Virginia. But with Insurify Car, you can pay by the week and cancel anytime.
|April 13, 2026
Cheapest Car Insurance Quotes in Virginia
Auto-Owners offers the cheapest car insurance in Virginia, with an average monthly rate of $55 for liability coverage. Shop real-time quotes for Virginia and buy your policy all in one place with Insurify.
|April 17, 2026
)
Cheapest Auto Insurance in Lynchburg, Virginia
Auto-Owners offers the cheapest car insurance in Lynchburg, with minimum-coverage policies as low as $49 per month.
|April 17, 2026
)
Best Cheap Auto Insurance in Arlington, Virginia
Auto-Owners has the cheapest car insurance rates in Arlington, with liability-only policies starting at $55 per month.
|April 17, 2026
)
Cheapest Auto Insurance in Harrisonburg, Virginia
Harrisonburg drivers can secure rates as low as $45 per month for liability-only coverage through Auto-Owners.
|April 17, 2026
)
Cheapest Auto Insurance in Portsmouth, Virginia
With a monthly liability-only rate of $67, Auto-Owners is the cheapest car insurance company in Portsmouth.
|April 17, 2026
)
Cheapest Auto Insurance in Newport News, Virginia
Newport News drivers can find the cheapest car insurance rates from Auto-Owners, with liability-only rates of $62 per month.
|April 17, 2026
)
Cheapest Auto Insurance in Virginia Beach, Virginia
Auto-Owners offers the cheapest liability coverage in Virginia Beach, starting at $58 per month.
|April 17, 2026
)
Cheapest Auto Insurance in Norfolk, Virginia
Auto-Owners, State Farm, and USAA offer the cheapest car insurance in Norfolk.
|April 17, 2026
)
Cheapest Auto Insurance in Charlottesville, Virginia
Auto-Owners offers the cheapest car insurance in Charlottesville, with minimum-coverage policies as low as $47 per month.
|April 17, 2026
)
Cheapest Auto Insurance in Chesapeake, Virginia
Auto-Owners offers the cheapest car insurance in Chesapeake, with minimum-coverage policies as low as $58 per month.
|April 17, 2026
)
Cheapest Auto Insurance in Richmond, Virginia
The cheapest car insurance company in Richmond is Auto-Owners, with rates as low as $67 per month
|April 17, 2026
)
Cheapest Auto Insurance in Woodbridge, Virginia
Auto-Owners offers the cheapest car insurance in Woodbridge, with minimum-coverage policies as low as $67 per month.
|April 17, 2026
)
Cheapest Auto Insurance in Roanoke, Virginia
Roanoke drivers can find the cheapest car insurance rates from Auto-Owners. The insurer’s liability-only rates start at just $48 per month.
|April 17, 2026
)
Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in