Cheap Car Insurance for Bad Credit Drivers in Virginia:
Costs and Quotes (2021)

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Cheapest Companies for Drivers With Bad Credit in Virginia (2021)

For drivers with bad credit in Virginia, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Virginia. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Virginia.

Bad Credit Car Insurance in Virginia

As the home to several presidents and lots of iconic American landmarks, Virginia has played a crucial role in American history. But now the state features something Washington and Jefferson never could have imagined—thousands of cars on the roads every day. But do Virginia's drivers pay more for car insurance if they have a bad credit score?

As a state that allows credit-based insurance rates, the answer is generally yes. If a car insurance company in Virginia looks at your credit history and fears you might not pay bills on time, they may offer you a higher car insurance rate. So as a Virginian, working to improve your credit score can definitely pay off.

Virginia Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$181
$202
$204
$220
ExcellentGoodAveragePoor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Virginia?

Drivers with bad credit in Virginia pay almost nine percent more for car insurance than drivers with good credit. This comes out to $17 per month, or about $200 per year added to your car insurance bill.

Virginia's average car insurance rates are in the middle of the pack compared to the rest of the United States. So while adding almost $20 to your monthly premium isn't anyone's idea of a good time, you'll still be paying a fairly reasonable rate even if your credit is far from perfect.

$194
$211
Avg. Monthly Cost - for Drivers with Good CreditAvg. Monthly Cost - for Drivers with Bad Credit
$17 ▴Monthly Impact of Bad Credit on Rates
8.76% ▴Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Virginia?

In Virginia, car insurance companies are allowed to look at your credit score before determining your car insurance rate. So you'll most likely undergo a credit check as you shop for car insurance in Virginia.

But Virginians still have options even if their credit score isn't great. Some smaller regional car insurance companies boast that they don't check credit—though keep in mind they might inflate their prices as a result. Or you might want to seek out a national insurance carrier like GEICO that offers reasonable rates for drivers with bad credit.

Virginia Car Insurance Rates by Credit Tier

In Virginia, car insurance rates gradually rise as your credit score goes down. Those with excellent credit pay $181, while those with good or average credit pay an average of about $20 more than that. And then you can tack on roughly another $20 if you have poor credit.

Credit Tier
Excellent$181
Good$202
Average$204
Poor$220

Car Insurance Rates With Bad Credit in Virginia Cities

For Viriginians with poor credit, it doesn't look like the city you live in makes a massive impact on your average rate. The one city that stands out is Richmond, where residents pay the highest average of $239 per month. The other major cities have similar average rates, with Chesapeake boasting the lowest, at $204 per month.

CityCredit Tier
RichmondPoor$239
Virginia BeachPoor$212
NorfolkPoor$215
Newport NewsPoor$223
PortsmouthPoor$216
ChesapeakePoor$204

Tips for Researching Bad Credit Virginia Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Virginia draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

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Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.