Best Car Insurance in Virginia (2026)

Erie, Auto-Owners, and State Farm are some of the best car insurance companies in Virginia.

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Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie JohnsonInsurance and Personal Finance Writer
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  • Featured on Credit Karma and Insider

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Katie Powers
Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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  • 4+ years experience in insurance and personal finance editing

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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 Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Best car insurance companies in Virginia

Insurify analyzed 120+ auto insurance companies to determine the best car insurance companies in Virginia. We considered factors like average rates, available coverages and discounts, and overall customer satisfaction.

Erie: Best overall

User Reviews
4.4
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.
8.4 /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.
$87/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.
$156/mo
Details
4.4
Best choice in VirginiaBased on 555 verified driver reviews and ratings
Erie Insurance's score
Industry average
Coverage options4.23.2
Customer service3.83.6
Discounts3.72.9
Policy transparency4.03.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Virginia for
High customer satisfaction
Competitive rates
Optional coverages
Showing 4 reviews from Virginia driversSee all 241 Erie Insurance reviews
David
Verified Review
Good
Good, but I feel the price is too high.
Robert
Verified Review
Erie, Best Prices
Friendly, efficient, and always the best prices when I've researched.
Tommy
Verified Review
An Erie Look
No problems and a company with the lowest premium increase among other competitors.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
713
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
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 Insurance is the best overall option for Virginia drivers thanks to its low average rates and customizable coverage options. The company offers pet injury coverage, glass repair coverage, and locksmith services. And if you sign up for the Rate Lock feature, your premiums will only change if you add or remove a vehicle or driver, or change where you park your car.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Large number of agents located across Virginia

  • Wide variety of coverages available

Cons
  • Offers fewer discounts than larger insurers

  • Limited online features

  • Must buy a policy through an insurance agent

Auto-Owners: Best for cheap rates

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.
$56/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.
$100/mo
Details
4.3
Best choice in VirginiaBased on 362 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options4.03.2
Customer service3.73.6
Discounts3.52.9
Policy transparency3.93.1
Value3.52.9
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 in Virginia for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviewsSee all 157 Auto-Owners reviews
Nannette G
Verified Review
Very Good
We’re very happy, especially since we pay annually. However, the price has gone up a lot.
David
Verified Review
Good service, but high prices.
I’m not happy about a sudden rate hike of more than 20%.
Richard
Verified Review
My Experience with Auto-Owners Insurance Company
Very easy to deal with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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

Auto-Owners offers some of the cheapest rates for Virginia drivers, so it may be a good choice if affordability is your top priority. The company also offers additional coverages, like accident forgiveness, common loss deductible, and collision coverage advantage.

Pros
  • Some of the cheapest rates in Virginia

  • Low number of customer complaints

  • Coverage for new or high-value cars

Cons
  • Must buy policy through an agent

  • Limited digital tools compared to larger insurers

  • Doesn’t offer online quotes

USAA: Best for military members

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.
$77/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.
$137/mo
Details
4.9
Best choice in VirginiaBased on 4,283 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
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 in Virginia for
Members of the military community
Outstanding customer service
Competitive rates
Showing 7 reviews from Virginia driversSee all 1,689 USAA reviews
Jeffery
Verified Review
High Rates
After being with them for quite some time, the rates have gone up so high.
Carol
Verified Review
Good Driving Record Doesn't Always Mean Better Rate
The rates are just too high for my budget, even with discounts. I have an excellent driving record and thought the rate would be better.
Emilio
Verified Review
Excellent
It was a great experience talking with one representative and getting a clear picture about my house and car insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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

Virginia has the second-highest number of active-duty service members of any state, according to the state Secretary of Veterans and Defense Affairs, making USAA a good option for eligible drivers. USAA caters to military members, veterans, and their families. The insurer also offers discounts for storing your vehicle while deployed or parking it on a military base.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Military-specific discounts

  • Offers two different telematics programs

Cons
  • Available only to eligible military members and families

  • Limited number of in-person locations

  • Fewer add-on coverages than competitors

State Farm: Best for teen drivers

User Reviews
4.1
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.
$57/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.
$102/mo
Details
4.1
Best choice in VirginiaBased on 21,017 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.43.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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 in Virginia for
Customer service
Competitive rates
Discounts for safe drivers
Showing 43 reviews from Virginia driversSee all 8,096 State Farm reviews
Donald
Verified Review
Excellent
I like State Farm Insurance, so I would recommend them to everyone.
Donald
Verified Review
Excellent
Well, they treated me well, and they added towing without charging me any extra.
Charles
Verified Review
Car Insurance
I need a better rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
652
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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

Nearly 21% of Virginia residents are younger than 18, according to the U.S. Census Bureau. State Farm offers multiple ways for teens and young drivers to save, including a 25% good student discount, a driver training discount, and a student away at school discount. And if teens sign up for the Steer Clear program, they can earn a discount by demonstrating safe driving behaviors.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Large number of local agents in Virginia

  • Cheap rates for young drivers

Cons
  • No gap insurance available

  • Doesn’t offer accident forgiveness

  • May not be the cheapest insurer for drivers with violations

GEICO: Best for discounts

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.
9.2 /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.
$104/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
Details
4.0
Best choice in VirginiaBased on 20,626 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.92.9
Policy transparency4.03.1
Value3.92.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Virginia for
Teen drivers
Cheap rates
Accident forgiveness
Showing 41 reviews from Virginia driversSee all 8,163 GEICO reviews
Alain
Verified Review
OK
Average—just expensive.
Brad
Verified Review
Insurance Rates Are Too High
The cost of insuring a vehicle with GEICO, even if you’ve never had an accident and haven’t made a claim after 53 years of driving, is outrageously high. GEICO is very expensive.
Ralph
Verified Review
My True Blue Review for You Too, Lou
They’re better than most. I’m just trying to save a little more money, but they’re very reasonable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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

GEICO offers a large number of car insurance discounts that Virginia drivers can take advantage of. For example, if you’re a federal employee, you could be eligible for GEICO’s discount for active and retired government workers. GEICO also offers discounts for safe driving, military members, good students, and certain safety features.

Pros
  • Wide variety of discounts available

  • Highly rated mobile app

  • Offers easy online quotes

Cons
  • Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Doesn’t offer gap insurance

  • Fewer local agents than other insurers

How we chose the best car insurance companies in Virginiaexpand/collapse

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.

Average cost of car insurance in Virginia

The average cost of car insurance in Virginia is $162 per month, which is higher than the national average of $143. In January 2025, Virginia increased its minimum car insurance requirements, which likely contributed to the state’s above-average insurance rates. The state also experiences severe traffic congestion, especially on Interstate 95 in Northern Virginia.[1] 

Virginia’s average rates are expected to increase by a modest 1.1% by the end of 2026, according to an Insurify report. Fortunately, with the right strategies, you can still find ways to save on your auto insurance premiums.

Find Cheap Car Insurance in Virginia

Liability policies average $117/mo.

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How to get the best car insurance in Virginia

Most drivers want to find cheap car insurance, but still carry enough coverage to offer financial protection. Here are some tips to find the best car insurance in Virginia:

    illustration card https://a.storyblok.com/f/162273/150x150/834da573df/car-and-driving-96x96-orange_023-driving-test.svg

    Know Virginia’s minimum coverage requirements

    Virginia drivers need at least $50,000 per person and $100,000 per accident in bodily injury liability coverage, plus $25,000 in property damage liability coverage.[2] Insurers are also legally required to include uninsured/underinsured motorist coverage on a standard policy. You can opt out of higher coverage amounts in writing, but you must carry coverage that matches your minimum liability coverage.[3]

    illustration card https://a.storyblok.com/f/162273/150x150/d2251ba1fd/weather-96x96-blue_018-tornado.svg

    Consider weather-related risks

    Virginia can experience hurricanes, flooding, severe thunderstorms, and extreme heat. Comprehensive coverage can cover vehicle damage from flooding, falling trees, and hail, which liability insurance won’t cover.

    illustration card https://a.storyblok.com/f/162273/150x150/3a662e9efd/credit-and-loan-96x96-green_006-credit.svg

    Ask about state-specific discounts

    Virginia law mandates that insurance companies offer a discount to drivers 55 and older who complete a motor vehicle prevention course.[4]

    illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare quotes from multiple insurers

    The exact rate you receive depends on your age, location, driving history, and coverage options. Comparing quotes from multiple insurers can help you find the best Virginia car insurance for your situation.

Best car insurance in Virginia FAQs

Here’s some additional information to help you find the best car insurance in Virginia and affordable rates. 

What is the cheapest insurance company in Virginia?

Auto-Owners is the cheapest insurer in Virginia, with an average monthly rate of $56 for liability coverage. But that doesn’t mean it’ll be the cheapest insurer for you, so it’s important to shop around and compare multiple auto insurance quotes.

How much is car insurance in Virginia per month on average?

Virginia drivers pay an average monthly rate of $162 for car insurance, which is higher than the national average of $143. You can find affordable car insurance by taking advantage of discounts and shopping around. 

Why is car insurance so high in Virginia?

Virginia’s average car insurance rates are affected by things like traffic congestion and the risk of severe weather in the state. Your deductible, driving record, ZIP code, and coverage choices also affect your car insurance premiums.

Is $300 per month too much for car insurance in Virginia?

It depends. The average rate of full coverage in Virginia is $207 per month, so a monthly rate of $300 is higher than what many other drivers pay. But for teen drivers or drivers with a history of at-fault accidents, speeding tickets, or driving under the influence (DUI) convictions, $300 may not be too much for car insurance.

Sources

  1. Virginia Department of Transportation. "Highway Safety Corridors."
  2. Virginia Department of Motor Vehicles. "Insurance Requirements."
  3. Virginia Law. "Required notice of optional coverage available."
  4. Virginia Department of Motor Vehicles. "Insurance Discounts for Drivers Age 55 Years and Older."

Methodology

Insurify data scientists analyzed more than 250 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
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.

Jamie Johnson
Written byJamie JohnsonInsurance and Personal Finance Writer
Jamie Johnson
Jamie JohnsonInsurance and Personal Finance Writer
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

Featured in

media logomedia logomedia logo

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

Katie Powers
Edited byKatie PowersLicensed P&C Agent, Senior Insurance Editor
Photo of an Insurify author
Katie PowersLicensed P&C Agent, Senior Insurance Editor
  • Licensed auto and home insurance agent

  • 4+ years experience in insurance and personal finance editing

  • NPN: 20564519

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

Featured in

media logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Excellent
4.7 out of 5 based on 17,130 reviews
Secure. Free. Easy-to-use.
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