Cheap Full-Coverage Car Insurance in Virginia (2026)
Virginia drivers can find the cheapest full-coverage car insurance from Auto-Owners, with an average rate of $100 per month.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
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Quick Facts
Full-coverage car insurance averages $207 per month in Virginia.
On average, Auto-Owners offers the cheapest full-coverage rates among insurers in Virginia.
In 2025, Virginia increased its minimum required limits to 50/100/25.
Cheapest full-coverage car insurance in Virginia
Full coverage car insurance in Virginia costs an average of $207 per month. Auto-Owners has the cheapest average rates for full coverage in the Old Dominion.
The table below shows average monthly quotes for full-coverage car insurance in Virginia from insurers with the cheapest rates.
The below rates in Virginia are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $100 |
| State Farm | $102 |
| CSAA | $135 |
| USAA | $137 |
| Elephant | $138 |
| Progressive | $147 |
| Chubb | $150 |
| Erie | $156 |
| Mercury | $160 |
| GEICO | $173 |
| Safeco | $178 |
| Bristol West | $189 |
| Liberty Mutual | $197 |
| National General | $197 |
| Direct Auto | $209 |
| Allstate | $216 |
| AssuranceAmerica | $218 |
| Root | $226 |
| GAINSCO | $252 |
| Trexis | $260 |
| Travelers | $287 |
| Clearcover | $316 |
| The General | $323 |
| Dairyland | $346 |
| Trexis One | $349 |
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.
How much is full-coverage insurance in Virginia?
Virginia’s full-coverage insurance average of $207 per month is higher than the national average of $187 per month. The state requires drivers to have higher minimum liability limits than many others, which increases baseline costs statewide.
Coastal areas face risks from hurricanes, tropical storms, and floods, increasing the cost of comprehensive coverage. Additionally, your driving record, credit history, age, and vehicle type affect your rates.
Shop for Cheap Car Insurance in Virginia
Full-coverage policies average $207/mo.
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How to find cheap full-coverage car insurance in Virginia
Full coverage typically costs more than liability-only coverage, but these strategies can help keep your costs down:
Compare quotes from multiple insurance companies. Rates vary by company, and sometimes by hundreds of dollars per year. Shop around and compare quotes from at least three insurers.
Ask about discounts. Many Virginia insurance companies offer discounts for maintaining a clean driving record, taking a defensive driving course, or having safety equipment installed in your vehicle. Some companies also offer good student discounts.
Bundle home and auto insurance. You may qualify for a discount when you insure your car and home with the same company.
Increase your deductibles. Opting for higher deductibles on your comprehensive and collision coverage can lower your monthly payment. Make sure you can cover a higher out-of-pocket amount if you need to file a claim.
Maintain good credit. Virginia allows insurance companies to consider your credit history when setting insurance rates.[1] Using credit responsibly and paying bills on time can mean lower insurance rates.
What full-coverage car insurance covers
Full coverage isn’t an official policy type. Instead, it refers to a combination of coverages that can help protect you financially. A full-coverage policy typically includes the following:
Bodily injury liability
Pays for injuries you cause to others in an accident
Property damage liability coverage
Pays for property damage you cause to others in an at-fault accident, including damage to other vehicles, fences, buildings, or utility poles
Medical expense benefits
Helps cover medical bills and funeral expenses for you and your passengers after an accident, regardless of who was at fault
Uninsured/underinsured motorist coverage
Pays for your medical bills and property damage if the at-fault driver doesn’t have insurance or doesn’t have high enough limits; also covers hit-and-run accidents
Collision coverage
Pays to repair or replace your car after a crash, regardless of who was at fault
Comprehensive coverage
Pays to repair or replace your car after a non-collision event, such as theft, vandalism, fire, hail, or falling objects[2]
Roadside assistance
Pays for towing, flat tire changes, fuel delivery, and similar situations
Car insurance requirements in Virginia
As of Jan. 1, 2025, Virginia requires drivers to buy the following minimum coverage limits:
Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: $25,000
Insurers also refer to this as 50/100/25 coverage. Before 2025, Virginia required 30/60/20 coverage.[3]
Drivers in Virginia must also have at least 30/60/20 in uninsured/underinsured motorist coverage.
While Virginia’s minimum limits are higher than in many states, they might not be enough to protect you financially. A serious accident can easily exceed $50,000 in medical costs or $25,000 in property damage, leaving you personally responsible for costs beyond your coverage limits.
The Virginia State Corporation Commission (SCC) recommends buying higher limits, especially if you own a home or have significant assets to protect.
Minimum vs. full-coverage car insurance in Virginia
Minimum coverage is less expensive and meets Virginia’s legal requirements, but it pays only for damage or injuries you cause to others. Because full coverage protects your vehicle, too, it costs more.
Here’s how liability-only and full-coverage policies compare in Virginia.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Virginia | $117 | $207 |
| Covers damage to your own car? | No | Yes |
| Covers damage to other car? | Yes | Yes |
| Covers your medical bills after an accident? | No | Yes, if your policy includes medical expense coverage |
| Meets lender/leasing company requirements? | No | Yes |
Disclaimer: Table data is based on real-time Virginia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
A liability-only policy might be enough if you drive an older car and can afford to replace it out of pocket. But if you can’t, full coverage offers better financial protection.
If you finance or lease your vehicle, your lender or leasing company will likely require you to maintain a full-coverage policy to protect its investment.
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Is full-coverage car insurance worth it in Virginia?
Consider this example of why full-coverage car insurance is beneficial in Virginia. The state ranks No. 9 nationwide for deer-related crashes, according to a State Farm study.
Say you hit a deer during your morning commute along Interstate 81 near Roanoke. With liability-only coverage, you’d have to pay out of pocket to repair damage to your vehicle.
But with full-coverage car insurance, your policy would pay for your repairs. You’d pay only your deductible.
If you commute on rural roads or during peak deer season in the fall, having liability-only coverage can mean unexpected bills for thousands of dollars in repair costs.
Pros and cons of full-coverage car insurance in Virginia
Pros
Protects your vehicle if you cause an accident
Covers non-collision events like deer strikes, theft, and severe weather damage
Meets lender requirements if you finance or lease your vehicle
Cons
Costs more per month than liability-only coverage
You still pay a deductible before comprehensive or collision coverage kicks in
May not be worth it if you drive an older, low-value vehicle
Full-coverage car insurance in Virginia FAQs
As you shop for full coverage in Virginia, check out the answers to frequently asked questions below.
What company has the cheapest full-coverage car insurance in Virginia?
Auto-Owners offers the cheapest car insurance in Virginia, with policies averaging $100 per month. State Farm and CSAA are other affordable Virginia insurers. Rates vary by company and driver, so compare quotes from multiple insurance companies to find the best car insurance in Virginia for you.
Is full coverage worth it in Virginia?
Yes. Full coverage is worth it if you drive a higher-value vehicle that you couldn’t afford to replace out of pocket. And if you finance or lease your vehicle, your lender will likely require it.
What are Virginia’s minimum car insurance requirements?
Virginia requires drivers to have liability insurance with limits of 50/100/25. These limits mean $50,000 per person and $100,000 per accident in bodily injury liability coverage, and $25,000 in property damage liability. State law also requires policies to include uninsured and underinsured motorist coverage with 30/60/20 limits.
Sources
- Commonwealth of Virginia State Corporation Commission. "Credit Scoring Guide for Homeowners & Automobile Insurance."
- Commonwealth of Virginia State Corporation Commission. "Auto Insurance Consumer's Guide."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
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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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
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in