Cheapest Auto Insurance in Virginia (2024)
Auto-Owners offers the cheapest car insurance in the Old Dominion, at $34 per month for liability-only coverage.
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Written byTaylor Milam-Samuel
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
The average cost for car insurance in Virginia is $101 per month for liability coverage and $184 for full coverage. This is less than the national average of $104 per month for liability and $204 for full coverage.
Auto-Owners, State Farm, and GEICO are a few of the cheapest companies for car insurance in Virginia. You may be able to find lower rates by comparing quotes from multiple insurance companies. Here’s what you need to know about finding affordable car insurance in Virginia.
Quick Facts
On average, drivers in Virginia pay $184 per month for full-coverage insurance.
Auto-Owners, State Farm, and GEICO are the cheapest car insurance companies in Virginia.
Because Virginia is an at-fault state, the driver responsible for an accident must cover the other driver’s medical expenses and vehicle repair costs.
3 of the cheapest car insurance companies in Virginia
As you shop for the best deal, you should consider your financial situation and insurance needs. Car insurance rates vary based on your age, driving record, credit history, chosen coverage, and other factors. Some insurance companies offer more competitive rates than others, so you should always compare quotes from multiple insurers.
Here are three of the cheapest car insurance companies in Virginia.
Auto-Owners
| 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. | 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. | $62/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
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
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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 the most competitive rates for Virginia drivers. The company is a top-notch regional insurer with extensive coverage options. Auto-Owners has a standard amount of available discounts.
The company has an A+ (Superior) rating from AM Best, which signifies solid financial strength. Plus, it received a below-average number of customer complaints on the National Association of Insurance Commissioners (NAIC) complaint index.
Pros
High customer satisfaction
Statewide network of local, independent agents
Cons
Some customers report a slow claims process
Limited digital access
State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $35/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. | $64/mo |
4.2
Best choiceBased on 9040 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 sells numerous insurance products. The company offers some of the most competitive rates in Virginia, and teen drivers have opportunities to save. Drivers can expect extensive discounts, the ability to work with a local agent, and solid digital access.
The company has an A++ (Superior) rating from AM Best and a below-average number of customer complaints on the NAIC complaint index.
Pros
Insurance for all types of drivers
Discount for student drivers
Cons
Mixed reviews for customer service
No gap insurance coverage
GEICO
| 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. | 9.0 /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. | $47/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. | $86/mo |
4.0
Best choiceBased on 10275 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
834NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 also offers competitive rates in Virginia. And the company has experience working with drivers with a DUI and can file FR-44 certificate of financial responsibility forms with the Virginia Department of Motor Vehicles, if needed. Customers can earn savings from an above-average number of available discounts. GEICO has an A++ rating from AM Best and below-average customer complaints on the NAIC complaint index.
Pros
Coverage options for drivers with a violation
Above-average customer satisfaction
Cons
No gap insurance
No rideshare insurance
How to get the cheapest car insurance in Virginia
Various factors affect your car insurance rates, including your driving record, age, credit history, location, and more. But you can lower the cost of coverage in a few different ways:[1]
Bundle your policies. If you need different types of insurance coverage, like auto and home, you can typically save by getting both policies from the same insurer.
Utilize insurance discounts. Most companies offer insurance discounts that reward safe driving, customer loyalty, and more.
Increase your deductible. Your collision and comprehensive deductible is the amount you need to pay out of pocket when you file a claim. A higher deductible usually results in a lower premium.
Shop around. The age, safety features, and type of vehicle you own influence how much you pay for car insurance. Shop for quotes before you buy a car to secure the best rates.
Find Cheap Car Insurance in Virginia
Liability quotes start at $34/mo.
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Cheapest liability-only car insurance in Virginia: Auto-Owners
Like most states, Virginia mandates liability insurance. If you cause an accident, this insurance typically covers the costs of medical expenses and vehicle repairs for the other driver. It won’t cover the costs of any of your bodily injuries or property damage.[2] This coverage typically makes the most sense for people who drive older or inexpensive vehicles with lots of mileage.
The average cost for this coverage in Virginia is $101 per month. The following insurers offer the cheapest liability-only quotes in Virginia.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $34 |
| State Farm | $35 |
| GEICO | $47 |
| USAA | $47 |
| Chubb | $51 |
| Erie | $53 |
| Clearcover | $58 |
| Nationwide | $60 |
| Mercury | $63 |
| Allstate | $73 |
| Progressive | $80 |
| Direct Auto | $89 |
| Elephant | $91 |
| National General | $95 |
| Travelers | $97 |
| CSAA | $107 |
| GAINSCO | $109 |
| Safeco | $115 |
| Dairyland | $123 |
| Bristol West | $125 |
| AssuranceAmerica | $135 |
| Liberty Mutual | $154 |
| The General | $160 |
| Hugo | $185 |
| Foremost | $199 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Virginia: Auto-Owners
Full-coverage car insurance offers you more vehicle protection. Specifics vary by insurer, but the policies typically include liability, comprehensive, and collision coverages. Comprehensive coverage kicks in for damages from non-collision incidents, like fire, severe weather, car theft, and vandalism.[3]
Virginia drivers pay an average of $184 per month for full coverage. The following insurers offer some of the cheapest quotes for Virginia drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $62 |
| State Farm | $64 |
| GEICO | $86 |
| USAA | $86 |
| Chubb | $94 |
| Erie | $98 |
| Clearcover | $106 |
| Nationwide | $111 |
| Allstate | $134 |
| Mercury | $134 |
| Progressive | $147 |
| Elephant | $156 |
| CSAA | $163 |
| Direct Auto | $173 |
| Travelers | $179 |
| National General | $184 |
| Safeco | $186 |
| Bristol West | $236 |
| Liberty Mutual | $238 |
| GAINSCO | $247 |
| AssuranceAmerica | $255 |
| Dairyland | $281 |
| The General | $322 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Your age has a significant effect on your car insurance premiums. Teenagers and other young drivers pay the highest premiums on average due to a lack of driving experience and a higher risk of accidents. Drivers 35 and older tend to earn cheaper rates as they age, but senior drivers 70 and older may pay slightly higher premiums due to aging-related risk factors.
Compare average premiums for teen, adult, and senior drivers in Virginia in the table below.
Age Group▲▼Average Quote: Liability Only▲▼Average Quote: Full Coverage▲▼Teen drivers $187 $341 Adult drivers $90 $164 Senior drivers $80 $145
Car insurance requirements in Virginia
Virginia is an at-fault state, which means that the driver who causes an accident is responsible for paying the claims. Drivers in Virginia must have a minimum amount of bodily injury liability, property damage liability, and underinsured/uninsured motorist coverage to drive — the latter of which provides financial protection if the other driver doesn’t have coverage.
As of July 2024, all drivers in Virginia must purchase a car insurance policy that meets the state’s minimum requirements. Before this, Virginia allowed drivers who paid an annual $500 uninsured vehicle fee to forgo car insurance. The current requirements for Virginia drivers are effective through the end of 2024, but the minimum coverage requirements will increase in 2025.[4]
Coverage Type ▲▼ | Current Minimum Requirements ▲▼ | Minimum Requirements in 2025 ▲▼ |
|---|---|---|
| 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 |
| Uninsured/underinsured motorist | Equal to liability limits | Equal to liability limits |
Though you only need to purchase the minimum coverage requirements, it’s often a good idea to add more coverage to protect your vehicle and finances.
“I’d never recommend state minimum limits. It typically isn’t a huge price difference to increase those coverages, and it significantly helps protect your assets in case of an accident,” says Dominic Frey, an insurance professional with Hitchings Insurance Agency. “You don’t want to cause a claim and then get sued because your policy didn’t pay out enough.”
If you want additional financial protection, you can consider the following optional policies:
Comprehensive coverage
If a non-collision incident damages your car, like vandalism, severe weather, theft, or fire, comprehensive coverage can cover the cost of repairs.
Collision coverage
This policy covers the cost of repairs for your vehicle after an auto accident, regardless of fault. Collision coverage can also pay for collision with objects, such as a tree, fence, or light pole. It also covers rollover accidents.
Medical payments coverage
Following an injury from an accident, medical payments coverage can pay for some of your medical expenses.
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Cheapest car insurance in Virginia by driving record
Your driving record affects your auto insurance rates. Incidents that can increase your rates include driving under the influence (DUI), speeding tickets, and at-fault accidents.[5] Insurance companies may classify you as a high-risk driver with a greater likelihood of filing a claim if you have certain driving incidents on your record.
The average cost of liability auto insurance in Virginia for drivers with a past incident is $128 per month, which is higher than the average of $101 for drivers with a clean driving record.
Compare average quotes in Virginia by driving record below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI/DWI ▲▼ |
|---|---|---|---|
| Auto-Owners | $44 | $46 | $55 |
| State Farm | $44 | $46 | $57 |
| GEICO | $60 | $63 | $76 |
| USAA | $60 | $63 | $76 |
| Chubb | $66 | $68 | $83 |
| Erie | $69 | $72 | $86 |
| Clearcover | $74 | $83 | $94 |
| Nationwide | $77 | $81 | $97 |
| Mercury | $86 | $90 | $94 |
| Allstate | $93 | $97 | $118 |
| Progressive | $101 | $107 | $130 |
| Direct Auto | $113 | $121 | $144 |
| National General | $121 | $126 | $154 |
| Travelers | $124 | $130 | $157 |
| Elephant | $125 | $119 | $147 |
| CSAA | $139 | $148 | $156 |
| Safeco | $148 | $152 | $173 |
| GAINSCO | $149 | $139 | $177 |
| Dairyland | $156 | $162 | $199 |
| Bristol West | $160 | $166 | $203 |
| AssuranceAmerica | $171 | $176 | $219 |
| The General | $207 | $217 | $259 |
| Liberty Mutual | $211 | $219 | $250 |
| Hugo | $231 | $263 | $300 |
| Foremost | $272 | $283 | $322 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Virginia car insurance FAQs
You should decide on the right amount of coverage for you before you select an insurer and purchase insurance. The following information should help answer your remaining questions about buying car insurance and finding the cheapest rates in Virginia.
The average cost of car insurance in Virginia is $101 per month for liability coverage and $184 for full coverage. Your specific rate will depend on your driving record, age, credit history, and more. The best way to avoid higher rates and find the cheapest options is to compare quotes from multiple auto insurers.
Auto-Owners has the cheapest car insurance rates in Virginia. The insurer's rates for liability-only coverage start as low as $34 per month. State Farm and GEICO also offer Virginia drivers cheaper rates, with monthly liability costs as low as $35 and $47, respectively.
With an Insurify Quality (IQ) Score of 9.3 and an A++ (Superior) AM Best rating, State Farm is the best car insurance company in Virginia. Other top insurers include Auto-Owners and GEICO.
Yes. As of July 2024, it’s illegal for Virginia drivers to operate a vehicle without maintaining the minimum amount of car insurance. Previously, drivers could opt out and pay a $500 uninsured motorist fee annually to the DMV upon vehicle registration. Now, all drivers in the state of Virginia have to purchase minimum auto insurance.
No. Virginia is an at-fault state. This means the driver responsible for causing a car accident must cover the other driver’s medical expenses and vehicle damages resulting from the accident.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
More cities in Virginia
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
)
Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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