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 |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
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.
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.
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
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 |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
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.
Some of the cheapest rates in Virginia
Low number of customer complaints
Coverage for new or high-value cars
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 |
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 |
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.
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.
Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Military-specific discounts
Offers two different telematics programs
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 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
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.
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
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 |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
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.
Wide variety of discounts available
Highly rated mobile app
Offers easy online quotes
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 Virginia
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.
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:
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]
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.
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]
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
- Virginia Department of Transportation. "Highway Safety Corridors."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Virginia Law. "Required notice of optional coverage available."
- 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
- 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.
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