Cheapest Car Insurance Quotes in Virginia
Auto-Owners is the cheapest insurer in Virginia, averaging $56 for liability coverage. Flooding, population density, and auto theft all affect Virginia’s rates.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
)
Writer: Carley ClarkInsurance Writer
Writer: Carley ClarkInsurance Writer
Qualifications:
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
)
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
)
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
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.
)
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Virginia car insurance at a glance
Cheapest car insurance company in Virginia: Auto-Owners
Cheapest car insurance rate in Virginia: $56 per month for liability-only coverage
Average monthly liability-only car insurance cost in VA: $117
Average monthly full-coverage car insurance cost in VA: $207
Cheapest car insurance quotes in Virginia
Auto-Owners, State Farm, and USAA offer the cheapest car insurance in Virginia.
The following table shows the lowest rates for liability insurance and full coverage (which includes collision and comprehensive coverage). We based our quotes on a driver profile with a clean record and good credit.
The below rates in Virginia are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Auto-Owners | $56 | $100 |
| State Farm | $57 | $102 |
| USAA | $77 | $137 |
| Chubb | $85 | $150 |
| Erie | $87 | $156 |
| Mercury | $87 | $160 |
| Elephant | $88 | $138 |
| CSAA | $95 | $135 |
| GEICO | $104 | $173 |
| Progressive | $105 | $147 |
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.
Best-rated insurance companies in Virginia
More than 1,700 licensed insurers operate across the state of Virginia, but the right insurance company for you depends on your coverage needs and budget.[1] We chose a few of the best insurance companies in Virginia based on pricing, financial stability, customer satisfaction, and reviews from Insurify users.
Best for customer service: AAA
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 666 |
|---|
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28
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).
NR
Why we picked this company
CSAA (a AAA company) ranked third-highest for customer satisfaction by J.D. Power in the Mid-Atlantic region, which includes Virginia. It also had a lower complaint score with the National Association of Insurance Commissioners (NAIC).
Pros
24/7 customer service
AAA membership not required for coverage
Above-average J.D. Power claims satisfaction rating
Cons
Slightly lower AM Best financial strength rating
May find more affordable rates from competitors
Doesn’t serve all of Virginia
Best for minimum coverage: Auto-Owners
| 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 |
4.3
Best choice in VirginiaBased on 367 verified driver reviews and ratings
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 |
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
Showing recent national reviewsSee all 158 Auto-Owners reviews
Verified Review
Reviewed in South Carolina on September 12, 2026
An excellent company that responds!!
Verified Review
Reviewed in Florida on September 7, 2026
We’re very happy, especially since we pay annually. However, the price has gone up a lot.
Verified Review
Reviewed in Michigan on August 28, 2026
I’m not happy about a sudden rate hike of more than 20%.
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 liability-only coverage in Virginia, according to Insurify data, plus multiple car insurance discounts. It sells insurance through independent agents located across the state, including Virginia Beach, Richmond, and Winchester.
Pros
A++ (Superior) AM Best financial strength rating
Below-average number of complaints with the NAIC
Highly rated mobile apps
Cons
No online quotes available
Insurify users report rate increases
Small insurer in Virginia (less than 1% of overall market share)
Best for savings: State Farm
| 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 |
4.1
Best choice in VirginiaBased on 21,391 verified driver reviews and ratings
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 |
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
Showing 41 reviews from Virginia driversSee all 8,172 State Farm reviews
Verified Review
Reviewed in Virginia on September 16, 2026
My monthly payment just increased for no reason. I'm shopping for a new company.
Verified Review
Reviewed in Virginia on September 6, 2026
I like State Farm Insurance, so I would recommend them to everyone.
Verified Review
Reviewed in Virginia on September 5, 2026
Well, they treated me well, and they added towing without charging me any extra.
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
In addition to affordable rates, Virginia drivers can find several car insurance discounts from State Farm. The insurer has the highest overall market share in Virginia, with more than $1.4 billion in premiums written across its insurance lines.[2]
Pros
Extensive agent network in Virginia
Above-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Above-average J.D. Power claims satisfaction rating
Cons
More complaints than expected with the NAIC
No accident forgiveness
Self-reported overcharging of Virginia policyholders (settled in 2023)[3]
How we chose the best companies
We evaluated insurers operating in Virginia using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Virginia drivers, including urban congestion, vehicle theft trends, and the availability of local agents throughout the state.
How much is car insurance in Virginia?
The average cost of Virginia auto insurance is $117 per month for liability-only coverage and $207 for full coverage. These rates are higher than the national averages of $98 and $187, based on Insurify data.
Several factors affect the cost of car insurance in Virginia. The state’s population density is more than double the U.S. average, according to U.S. Census Bureau data. Commute times are longer as well, meaning more people are on the road for longer.
Virginia also sits on the Atlantic coast, exposing many areas to tropical storms and flooding. Floods are the most common and expensive disaster, according to the Virginia Department of Conservation and Recreation.[4] All these risks combined contribute to Virginia’s higher car insurance costs.
Find Cheap Car Insurance in Virginia
Liability policies average $117/mo.
Excellent
4.7 out of 5 based on 17,430 reviews
Secure. Free. Easy-to-use.
Average car insurance quotes in Virginia cities
Car insurance rates vary across Virginia. Richmond and Norfolk are the most expensive cities, while Winchester and Bristol are the cheapest.
Richmond may be more costly, in part, because its 13-mile stretch of I-95 has an accident rate that’s double the state average, according to the Virginia Department of Transportation.[5] You can compare liability and full-coverage rates across major Virginia cities below.
The below rates in Virginia are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Bristol | $82 | $170 |
| Winchester | $87 | $159 |
| Christiansburg | $88 | $166 |
| Blacksburg | $93 | $173 |
| Charlottesville | $93 | $180 |
| Harrisonburg | $94 | $159 |
| Roanoke | $96 | $182 |
| Lynchburg | $100 | $182 |
| Leesburg | $109 | $183 |
| Fredericksburg | $115 | $205 |
| Stafford | $115 | $227 |
| Arlington | $122 | $200 |
| Suffolk | $123 | $226 |
| Reston | $124 | $202 |
| Herndon | $125 | $195 |
| Virginia Beach | $126 | $207 |
| Chesapeake | $129 | $218 |
| Hampton | $129 | $233 |
| Newport News | $134 | $233 |
| Alexandria | $139 | $238 |
| Woodbridge | $139 | $242 |
| Portsmouth | $140 | $253 |
| Norfolk | $144 | $257 |
| Richmond | $149 | $248 |
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.
The chart below breaks down the five most expensive cities for car insurance in Virginia. Local crash rates, auto theft, weather risks, and population density all affect the cost of car insurance in different cities.
The below rates in Virginia are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Alexandria | $139 | $238 |
| Woodbridge | $139 | $242 |
| Portsmouth | $140 | $253 |
| Norfolk | $144 | $257 |
| Richmond | $149 | $248 |
On-the-spot guidance from licensed insurance experts
)
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Qualifications:
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
)
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
)
Anuj DesaiLicensed Property & Casualty Insurance Agent
Anuj DesaiLicensed Property & Casualty Insurance Agent
Qualifications:
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
Why you should compare car insurance quotes in Virginia
Every company weighs factors like your age, vehicle type, and violations — such as tickets or at-fault accidents — differently.
Your ZIP code, not just your state, also affects your rate. Population-dense cities, such as Virginia Beach and Alexandria, often have more accidents and auto thefts, which can push up car insurance costs.
Shopping around can help you find the best price. To get the most accurate quotes:
Answer every application question completely and honestly.
Provide the same coverage details and deductible so the quotes are comparable.
Avoid choosing a company on price alone. Factor in coverage and service quality.
Virginia car insurance requirements
Like most other states, Virginia requires bodily injury liability and property damage liability. You must also carry uninsured/underinsured motorist coverage (UM/UIM) in case a driver without insurance hits you. Below are the required limits for each coverage type:[6]
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $25,000 per accident
UM/UIM bodily injury: $50,000 per person, $100,000 per accident
UM/UIM property damage: $20,000 per accident
Virginia’s minimum car insurance requirements are higher than in many other states. Driving without coverage can result in a license suspension, an SR-22 form requirement, and a reinstatement fee.
Agent Tip: Is liability-only coverage enough protection?
“Having a policy with Virginia’s minimum liability coverage lets you drive legally. But if you cause a serious accident, minimum coverage often isn’t enough. You’d have to pay out of pocket if the damages you cause exceed your policy limits.”
){kind=small}
Anuj DesaiLicensed Property & Casualty Insurance Agent
How to find the cheapest Virginia car insurance
You used to be able to pay a flat fee instead of buying car insurance in Virginia. Starting in 2024, though, every driver had to start carrying coverage.[7]
While you need a full policy now, you have a few ways to lower your premium:
Complete a defensive driving course (called a driver improvement clinic) voluntarily and request a discount from your insurer.[8]
Ask about other savings opportunities, such as a mature driver or good student discount. Vehicle safety features and bundling with home or renters insurance can also help you save.
The average Virginia driver logs 9,258 miles per year, according to Insurify data. Let your insurer know if your mileage is less than 7,500, for example, if you have a short commute or drive only for pleasure.
Compare insurance quotes from multiple companies to see which insurer offers the best rate for your situation.
Compare Virginia Car Insurance Quotes
Insurify partners with 120+ top insurer for real-time quotes
Excellent
4.7 out of 5 based on 17,430 reviews
Secure. Free. Easy-to-use.
Find quotes for your driver profile
Virginia insurers consider your age, credit history, and driving record when setting your car insurance premium. You can compare average rates for your situation below.
Virginia car insurance quotes by coverage
How car insurance costs have changed in Virginia
After years of steep increases, Virginia drivers finally saw rates taper in 2025. By the end of the year, the average annual full-coverage premium was $2,301. Insurers’ financial standing has improved, so many are focusing on keeping rates competitive, according to Insurify’s American Driver Report.
That said, tariffs could affect car insurance rates in 2026. Insurify projects a small increase, slightly above 1%, by the end of the year, bringing the average annual premium to $2,325.
Average Virginia Car Insurance Rates Over the Past Five Years
State Name | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 1,555 | 1,557 | 1,561 | 1,564 | 1,566 | 1,568 | 1,571 | 1,577 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,623 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,803 | 1,850 | 1,888 | 1,919 | 1,956 | 1,983 | 2,006 | 2,037 | 2,076 | 2,127 | 2,194 | 2,238 | 2,299 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,370 | 2,361 | 2,351 | 2,367 | 2,368 | 2,367 | 2,356 | 2,342 | 2,318 | 2,285 | 2,258 | 2,228 | 2,215 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 |
| Virginia | 1,405 | 1,403 | 1,404 | 1,404 | 1,400 | 1,407 | 1,400 | 1,399 | 1,406 | 1,413 | 1,411 | 1,412 | 1,417 | 1,422 | 1,425 | 1,427 | 1,433 | 1,443 | 1,448 | 1,461 | 1,476 | 1,506 | 1,527 | 1,563 | 1,594 | 1,620 | 1,646 | 1,669 | 1,716 | 1,730 | 1,775 | 1,831 | 1,856 | 1,912 | 1,949 | 2,023 | 2,108 | 2,166 | 2,223 | 2,255 | 2,265 | 2,273 | 2,294 | 2,336 | 2,363 | 2,374 | 2,381 | 2,372 | 2,361 | 2,358 | 2,356 | 2,366 | 2,377 | 2,366 | 2,371 | 2,387 | 2,408 | 2,422 | 2,442 | 2,465 | 2,478 |
Virginia car insurance FAQs
Virginia car insurance rates are higher than the national average, but the information below can help you find affordable coverage.
Which company has the cheapest car insurance in Virginia?
Auto-Owners has the cheapest car insurance in Virginia, according to Insurify data. Its liability policies cost $56 per month, on average.
How much does car insurance cost in Virginia?
Car insurance in Virginia averages $117 per month for liability coverage and $207 per month for full coverage, per Insurify data.
Is it possible to get car insurance in Virginia with a DUI on your record?
Yes, though you’ll likely pay more. A DUI requires an FR-44 certificate with double Virginia’s standard coverage limits.[9] You can also apply for the Virginia Automobile Insurance Plan as a last-resort option.
What company has cheap auto insurance in VA after a speeding ticket?
Auto-Owners offers the lowest rates in Virginia after a speeding ticket, with liability policies averaging $72 monthly. Tickets for driving 1 to 19 mph over the speed limit add three or four points to your record and stay there for five years.
What are the cheapest car insurance companies in Virginia for young drivers?
Young Virginia drivers typically find the best rates from Auto-Owners and State Farm. State law requires drivers younger than 18 to complete 45 hours of supervised driving, including 15 hours at night, before they can get their driver’s license.[10]
Sources
- National Association of Insurance Commissioners. "State Insurance Regulation: Key Facts and Market Trends."
- Virginia State Corporation Commission. "All Licensed P&C Writers in Virginia - All Lines in 2025."
- Virginia State Corporation Commission. "Fact Sheet: State Farm Companies Settlement."
- Virginia Department of Conservation and Recreation. "Virginia Flood Awareness."
- Virginia Department of Transportation. "Highway Safety Corridors."
- Virginia State Corporation Commission. "Virginia Consumer's Guide for Auto Insurance."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Virginia Department of Motor Vehicles. "Driver Improvement."
- Virginia Department of Motor Vehicles. "Financial Responsibility Certifications."
- Virginia Department of Motor Vehicles. "Teen Driver Safety Frequently Asked Questions."
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.
Related articles
)
Rideshare Insurance in Virginia: Costs, Requirements, and Best Companies
Virginia requires drivers to carry rideshare insurance when logged into a transportation network company app. Uber and Lyft provide state-mandated coverage, but you may still need a rideshare endorsement to close gaps in your personal policy.
)
DUI Car Insurance in Virginia: Costs, Laws, and Cheapest Companies
Drivers in Virginia with a DUI pay an average of $148 per month for liability car insurance.
Best Car Insurance in Virginia
Erie, Auto-Owners, and State Farm are some of the best car insurance companies in Virginia.
)
Gap Insurance in Virginia
More than one-third of Virginia drivers finance or lease their vehicles and may be at risk of paying for an undrivable car if they total their vehicle. Gap insurance can bridge the difference, and coverage starts from as little as $2 per month in Virginia with Auto-Owners.
How Much Is Car Insurance in Virginia?
Drivers in Virginia pay an average of $1,942 per year for car insurance.
FR-44 Insurance in Virginia: Cost, Requirements, and Cheapest Companies
Virginia FR-44 insurance averages $141 per month for liability-only coverage and $249 for full coverage.
Virginia Car Insurance Requirements in 2026
Virginia requires drivers to carry at least $50,000 in bodily injury liability insurance, plus $25,000 in property damage liability coverage.
Temporary Car Insurance in Virginia: What Your Short-Term Options Really Are
You can’t get temporary car insurance in Virginia. But with Insurify Car, you can pay by the week and cancel anytime.
Cheap Full-Coverage Car Insurance in Virginia
Virginia drivers can find the cheapest full-coverage car insurance from Auto-Owners, with an average rate of $100 per month.
Virginia Car Insurance Laws
All Virginia drivers must carry at least 50/100/25 in car insurance, but you may need more coverage.
Cheapest Liability Car Insurance in Virginia
Virginia drivers can find the cheapest liability-only car insurance from Auto-Owners, with rates of $56 per month.
)
Cheapest Auto Insurance in Alexandria, Virginia
Auto-Owners offers the cheapest car insurance in Alexandria, with minimum-coverage policies as low as $65 per month.
)
Best Cheap Auto Insurance in Arlington, Virginia
Auto-Owners has the cheapest car insurance rates in Arlington, with liability-only policies starting at $55 per month.
)
Cheapest Auto Insurance in Charlottesville, Virginia
Auto-Owners offers the cheapest car insurance in Charlottesville, with minimum-coverage policies as low as $47 per month.
)
Cheapest Auto Insurance in Chesapeake, Virginia
Auto-Owners offers the cheapest car insurance in Chesapeake, with minimum-coverage policies as low as $60 per month.
)
Cheapest Auto Insurance in Harrisonburg, Virginia
Harrisonburg drivers can secure rates as low as $44 per month for liability-only coverage through State Farm.
)
Cheapest Auto Insurance in Lynchburg, Virginia
Auto-Owners offers the cheapest car insurance in Lynchburg, with minimum-coverage policies as low as $48 per month.
)
Cheapest Auto Insurance in Newport News, Virginia
Newport News drivers can find the cheapest car insurance rates from Auto-Owners, with liability-only rates of $63 per month.
)
Cheapest Auto Insurance in Norfolk, Virginia
Auto-Owners, State Farm, and USAA offer the cheapest car insurance in Norfolk.
)
Cheapest Auto Insurance in Portsmouth, Virginia
With a monthly liability-only rate of $68, Auto-Owners is the cheapest car insurance company in Portsmouth.
)
Cheapest Car Insurance Quotes in Reston, Virginia (September 2026)
Auto-Owners offers the cheapest rates in Reston, at an average of $56 per month. Deer are a real issue in Reston, with most deer collisions occurring during mating season, which runs from October to December.
Cheapest Car Insurance Quotes in Richmond, Virginia (September 2026)
Richmond drivers can find the cheapest car insurance rates from Auto-Owners, averaging $68 per month for liability coverage. The city sees heavy congestion downtown where I-95 and I-64 converge, which can influence insurance rates in Richmond.
)
Cheapest Auto Insurance in Roanoke, Virginia
Roanoke drivers can find the cheapest car insurance rates from Auto-Owners. The insurer’s liability-only rates start at just $48 per month.
)
Cheapest Car Insurance Quotes in Virginia Beach (September 2026)
Auto-Owners offers the cheapest car insurance in Virginia Beach, with rates averaging $57 per month. Located along the Atlantic Coast, Virginia Beach faces flood and storm-surge risk, which affects what drivers pay for coverage.
)
Cheapest Auto Insurance in Woodbridge, Virginia
Auto-Owners offers the cheapest car insurance in Woodbridge, with minimum-coverage policies as low as $66 per month.
Writer: Carley ClarkInsurance Writer
Writer: Carley ClarkInsurance Writer
Qualifications:
5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Editor: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
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.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.