Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Everyone has different priorities when it comes to car insurance. With so many available options, finding an insurance company that meets your needs and budget can feel overwhelming.
To narrow down your decision, Insurify’s editorial team analyzed 50 car insurance companies to help you find the best car insurance in Virginia.
Best car insurance companies in Virginia
The best car insurance companies in Virginia offer a range of coverage options, high customer satisfaction, and affordable pricing. Here are our top five picks for the best insurance companies in Virginia.
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.
$34/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.
$65/mo
4.2
Best choiceBased on 10,174 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,605)
Charlotte
March 24, 2025
Verified Review
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
David
March 24, 2025
Verified Review
Good
They're just alright, but they keep increasing my insurance for no apparent reason.
Troy
March 24, 2025
Verified Review
Unjustified Increases
I don't appreciate the continuous increases without any reason or explanation.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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++
Why we picked this company
State Farm offers affordable pricing, a wide range of coverage options, strong customer service, and better-than-average claims satisfaction ratings, making it a solid choice. With State Farm’s telematics program, Drive Safe & Save, Virginia drivers can save up to 10% just by signing up and up to 30% in total discounts.
Teen drivers and drivers younger than 25 have the opportunity to save by enrolling in the Steer Clear driver training program.
Pros
Above-average rating in the J.D. Power 2024 U.S. Auto Insurance Study
Long-standing history in the insurance industry
Up to 30% savings with Drive Safe & Save program
Cons
Gap insurance only available with State Farm financing
Below-average rating in the J.D. Power 2024 U.S. Auto Insurance Study in the mid-Atlantic region
No online quotes for motorcycles, off-road vehicles, or boats
USAA: Best car insurance company for military members
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.
9.4 /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.
$46/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.
$87/mo
4.9
Best choiceBased on 1,833 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,055)
Charles
March 24, 2025
Verified Review
An Irritated Customer at CD
The pricing settlement for older vehicles in good condition is very poor. As a master technician, I keep my vehicles in excellent condition. However, when I had an accident, my high-mileage vehicle was undervalued, not considering its mechanical condition. Despite replacing most of the drivetrain components, suspension parts, and the A/C & heating components, my vehicle was valued thousands of dollars less. I was denied the proper settlement I was due. I repaired all the damage post-accident, finished the cosmetic issues, and even repainted the entire vehicle. I sent pictures to claims to verify the upgraded condition. Unfortunately, it seems most insurance companies use similar tactics to obtain a good salvage price, and they are quick to total vehicles, thereby robbing their customers of the true value. Apart from not having a local agent to discuss these issues, I remain a customer of USAA, even after they raised my homeowners insurance by over $2500 in one increase. This is a tough pill to swallow on a fixed income.
Philip
March 23, 2025
Verified Review
Fair
Every couple of years, they raise the premiums and lower the coverage.
Shandra
March 21, 2025
Verified Review
Helpful in Difficult Times
When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
881
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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++
Why we picked this company
With a strong military presence in the state, many Virginia residents are eligible to purchase auto insurance from USAA. Active military members, veterans, and their families can save 10% for enrolling in USAA’s SafePilot telematics program and up to 30% at renewal.
USAA also offers a usage-based driving program with savings up to 20% for lower-mileage drivers. In addition to insurance, USAA offers a range of financial products, including banking, retirement, and investing options.
Pros
High rating in J.D. Power’s 2024 U.S. Auto Insurance Study
10% bundling discount
Savings of up to 15% when storing a vehicle on base
Cons
Coverage limited to current and former military members and their families
More expensive than some competitors
Limited live customer service hours
Erie: Best car insurance company for customer satisfaction
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.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
4.0
Best choiceBased on 293 verified guest reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (156)
Harold
March 21, 2025
Verified Review
Erie Works For Me!
I have a good relationship with them!
Helen
March 21, 2025
Verified Review
Excellent
Erie excels in all aspects of their service and coverage.
Donna
March 20, 2025
Verified Review
Brokers are not the way to go…find a company who values your needs
I’m not sure if it's Erie Insurance or the Insurance Company representing them that's the issue. At the insurance company, you seem to get bounced around with no knowledge of what's going on. They or Erie seem to feel they can make changes within your policies without your knowledge. Your premiums increase every year without a claim, but when your bill goes up 38 3/4% ($600.00) without a claim, even though they have gone up steadily every year, it’s time to go. When you call in, they say it is beyond their control and blame it on everyone else. Then instead of trying to help you, they try to sell you more! When you tell them that will make your premium higher, then they want you to up your deductible to lower your bill. When you tell them you only want to insure your home for what it's worth, they insist they have to insure it for what it would cost to replace it. I’m not replacing it! You never hear from them until you get your next year's bill in the mail and are expected to just pay it. When I first got my policies, I was told I was being directed to an agent that could help me. I thought this was my agent! I found out 8 years later that this person was just in customer service who set up my policies! I could have done that myself online! When I asked who was my agent, I had never met or heard her name before. My premiums were paying someone’s paycheck that I never knew or heard of or more importantly never met or knew me. An agent is supposed to have an interest in a client and work in their best interest (this obviously is not the case). Is this why so many things are written into policies that do not even pertain to or are needed by some clients? We end up paying for things in policies that do not even involve us! When I was tossed to the owner's son because I wasn’t happy with the rate increase, he was arrogant and the one trying to sell me more or increase my deductibles which still would not bring the price down to where it needed to be. So they lost that policy completely. Insurance is meant to be for comfort knowing you have it in case of a fire or disaster. Not for a claim because you had a shingle blow off your roof. Hire someone & get it fixed! You never hear from them until you get your next year's bills in the mail and are expected to just pay it. Insurance is out of control! You should be able to get a policy written for exactly what you want and need. I don’t want to buy a package with a bunch of things in it that I don’t want or need because it has one thing in it that I want and they say it is the only way it is sold. Get people in the insurance business who are willing to work for the clients in order to get them exactly what their needs are. Yes, I am finding lower premiums on auto insurance as well (which they told me recently I would not be able to do).
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
867
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
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+
Why we picked this company
Erie is a regional car insurance company that operates in 13 U.S. states, including Virginia. If you value customer service, Erie has J.D. Power’s top customer satisfaction rating in the Mid-Atlantic region, and it also scores highly for claims satisfaction.
You can save more on car insurance with a wide range of discounts, including multi-policy, safety, and youthful driver discounts. In addition to car insurance, Erie offers homeowners, renters, flood, life, business insurance, and more.
Pros
Highest rating in the J.D. Power 2024 U.S. Auto Insurance Study in the Mid-Atlantic region
Above-average rating in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study
AM Best financial strength rating of A+ (Superior)
Cons
Quotes not available online
Can’t file a claim online
Higher average auto insurance rates than some competitors
Auto-Owners: Best car insurance company for budget-friendly insurance
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.
8.5 /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.
$34/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.
$63/mo
4.0
Best choiceBased on 171 verified guest reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (107)
Sandra
March 24, 2025
Verified Review
Who is my agent?
The service is fair, but it depends on which function was performed.
Mike
March 21, 2025
Verified Review
Just Wow
The good thing is that the company I work with is family-oriented. The bad thing is that my rate was tripled without any notice.
Glinis
March 19, 2025
Verified Review
Great people, high cost
Customer Service is great. However, the cost of the policy is expensive.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
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++
Why we picked this company
If you’re working with a tight budget and looking for the cheapest car insurance in Virginia, Auto-Owners offers some of the most affordable prices. The company also has a range of coverage options, including loan or lease gap insurance and rental car coverage.
Virginia drivers can save more with a variety of discounts, including multi-policy, multi-vehicle, and safety feature discounts. College students can take advantage of student discounts, including a good student discount, which offers savings of up to 20% for maintaining a “B” or better grade-point average.
Pros
Affordable pricing
Many available discounts
Offers accident forgiveness
Cons
Must speak to an independent insurance agent for quotes
Below-average rating in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study
Available in only 26 states
GEICO: Best car insurance company for usage-based insurance
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.
9.0 /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.
$46/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.
$87/mo
4.0
Best choiceBased on 11,178 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,122)
Ali
March 24, 2025
Verified Review
A Company Who Looks Out for the Individual
They defend, protect, and support their customers in coverage situations!
Luke
March 24, 2025
Verified Review
No Thanks to Geico
They are more expensive, they don't forgive or forget anything, and they love to increase your rates.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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++
Why we picked this company
Using GEICO’s highly rated mobile app, you can sign up for the DriveEasy rewards program and earn savings for safe driving. All you need is an iPhone or Android device that’s compatible with the GEICO app.
In addition to a wide range of coverage options, GEICO offers many ways to save with discounts, including multi-policy, military, federal employee, good student, defensive driving, good driver, and more.
Pros
Above-average rating in the J.D. Power 2024 U.S. Auto Insurance Study
24/7 customer service
AM Best financial strength rating of A++ (Superior)
Cons
Below-average rating in the J.D. Power 2024 U.S. Auto Insurance Study in Mid-Atlantic region
No rideshare or new car replacement coverage available
Gap insurance not available
Our editorial team analyzed regional and national auto insurance companies that sell policies in Virginia to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Virginia
To find the best auto insurance policies in Virginia, consider the following tips:
Determine how much coverage you need
Before you get behind the wheel in Virginia, you need to meet the state’s minimum liability insurance requirements.
As of Jan. 1, 2025, Virginia requires minimum liability coverage of $50,000 for injury or death of one person, $100,000 for death or injury of two or more people, and $25,000 in property damage. Previous policies effective from January 2022 to December 2024 required $30,000 in injury or death of one person, $60,000 for injury or death of two or more people, and $20,000 in property damage.[1]
To get a general sense of a company’s pros and cons and how it treats its customers, spend some time on websites like Trustpilot or the Better Business Bureau. Read reviews from current and former customers. If you see the same complaints coming up repeatedly, you might want to do additional research or consider another insurer.
You can also check out J.D. Power’s 2024 U.S. Auto Insurance Study to see which companies rank above and below average in the state where you live.
Compare multiple quotes
Many factors influence the cost of car insurance, including your age, gender, ZIP code, driving record, credit history, and the coverage amounts you choose. Each insurance company weighs these factors differently when calculating insurance premiums, which can result in different quotes. Getting multiple quotes from different insurance companies can help you save money.
Review your budget
Once you have a few quotes, consider your budget when choosing coverage. Keep in mind the cheapest car insurance company isn’t always the best insurance. But it’s important to weigh out the coverage you need with how much you can afford.
To save money, review discounts from each insurer to see if there’s anything you qualify for. By bundling your auto and home insurance or taking advantage of good student discounts, you might be able to reduce your rates.[3]
Average cost of car insurance in Virginia
The average cost of auto insurance in Virginia is $109 per month for liability coverage and $188 per month for full coverage. This is less than the national averages of$105 for liability average and $197 for full coverage.
As of July 1, 2024, the Virginia General Assembly instituted new laws to remove the option to pay a $500 fee rather than maintain insurance coverage. Now, all vehicles registered in Virginia have to meet minimum auto liability insurance limits.
As of Jan. 1, 2025, Virginia drivers need to meet new state insurance minimums. Increasing coverage may result in higher rates, so it could be a good time to shop around.
Best car insurance in Virginia FAQs
If you’re still looking for more information about the best car insurance in Virginia, check out the answers to some of the most commonly asked questions below.
How much is car insurance in Virginia?
Car insurance in Virginia costs an average of $109 per month for liability coverage and $188 per month for full coverage, Insurify data shows.
What are the best car insurance companies in Virginia?
The best car insurance company in Virginia depends on your coverage needs and budget. Some of the top companies based on our analysis include State Farm, USAA, and Erie.
What is the required auto insurance coverage amount in Virginia?
Effective Jan. 1, 2025, Virginia requires all drivers to have minimum liability coverage of $50,000 for the injury or death of one person, $100,000 for two or more people, and $25,000 in property damage.
Policies effective from January 2022 to December 2024 require $30,000 in injury or death of one person, $60,000 for injury or death of two or more people, and $20,000 in property damage.
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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