Cheapest Car Insurance Quotes in Virginia

Auto-Owners offers the cheapest car insurance in Virginia, with an average monthly rate of $56 for liability coverage. Shop real-time quotes for Virginia and buy your policy all in one place with Insurify.

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Cheapest recent car insurance quotes in Virginia

Recent Virginia car insurance prices for Chevrolet, Subaru, Volkswagen, and more.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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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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Konstantin HalachevVP of Engineering & Data Science
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  • 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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Cheapest car insurance quotes in Virginia

Virginia drivers pay an average of $117 per month for liability-only policies and $206 per month for full-coverage insurance. These premiums are in line with national average car insurance costs.

We’ve collected rates for 120+ companies in Virginia, and you can see the cheapest insurer for different types of drivers in the table below.

Driver Category
Cheapest Insurance Company in Virginia
Cheapest Monthly Quote in VA
OverallAuto-Owners$56
State minimum coverageAuto-Owners$56
Full coverageAuto-Owners$99
Drivers with a clean recordAuto-Owners$56
After a speeding ticketAuto-Owners$72
After an at-fault accidentAuto-Owners$75
After a DUIAuto-Owners$72
Teen/new driversAuto-Owners$114
SeniorsAuto-Owners$44
Bad creditAuto-Owners$84
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.

Cheapest liability-only car insurance in Virginia: Auto-Owners

Liability car insurance helps pay for the other party’s property damage and injuries if you cause an accident. But it won’t cover your vehicle damage or medical bills.

Here’s a look at the cheapest liability-only car insurance quotes in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$56
State Farm$57
USAA$77
CSAA$82
Chubb$85
Erie$88
Mercury$88
Elephant$89
GEICO$105
National General$105
Progressive$106
Bristol West$108
Allstate$112
Direct Auto$114
GAINSCO$115
Safeco$119
AssuranceAmerica$129
Trexis$137
Liberty Mutual$138
Insurify Car$143
Dairyland$146
Root$148
The General$148
Clearcover$158
Trexis One$158
Travelers$161
Hugo$180
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.

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.


Anuj Desai
Anuj DesaiLicensed Property & Casualty Insurance Agent
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Cheapest full-coverage car insurance in Virginia: Auto-Owners

Full-coverage car insurance usually includes liability, collision, and comprehensive coverages.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$99
State Farm$101
CSAA$137
Elephant$137
USAA$137
Progressive$145
Chubb$149
Erie$156
Mercury$159
GEICO$172
Safeco$178
Bristol West$187
National General$195
Liberty Mutual$196
Direct Auto$208
Allstate$217
AssuranceAmerica$218
Root$225
GAINSCO$252
Trexis$260
Travelers$286
Clearcover$317
The General$322
Dairyland$344
Trexis One$348
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.

Cheapest recent car insurance quotes in Virginia

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $84/mo for full coverage in Virginia.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Virginia within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Insurify Car: One-week car insurance for Virginia drivers

If you’re looking for a flexible car insurance option in Virginia, Insurify Car is worth exploring. The insurer offers standard liability coverage that you pay for in seven-day increments. 

Insurify Car’s coverage is designed to get drivers the coverage they need to legally drive without a large down payment or monthly bill. When you buy your policy, you’ll be able to select a cancellation date or set up auto pay to keep your policy rolling from week to week.

Insurify Car might make sense if you only need minimum coverage and want to break up your car insurance costs into small, manageable weekly payments. 

Best cheap car insurance companies in Virginia

No single insurance company in Virginia will be the best for everyone. But some stand out above others. Below is a breakdown of the best car insurance companies in Virginia to help you start your search.

Auto-Owners: Best for full coverage in Virginia

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.
$99/mo
Details
4.3
Best choice in VirginiaBased on 357 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 155 Auto-Owners reviews
Richard
Verified Review
My Experience with Auto-Owners Insurance Company
Very easy to deal with.
Sylvester
Verified Review
The experience I had with the office workers was pleasant.
Good. I never had to file a claim.
Mickey
Verified Review
Policy Evaluation
It’s expensive, but claims are handled quickly.
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

If you prefer additional protection behind the wheel, a full-coverage policy from Auto-Owners may be worthwhile. Auto-Owners offers some of the cheapest full-coverage premiums in Virginia, and you can further your savings through a variety of car insurance discounts, such as a safety-feature or multi-car discount.

Pros
  • Local agents throughout Virginia

  • Offers accident forgiveness

  • Special coverage for modified vehicles

Cons

Elephant: Best for high-risk drivers in Virginia

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.
8.6 /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.
$89/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
4.0
Best choice in VirginiaBased on 182 verified driver reviews and ratings
Elephant's score
Industry average
Coverage options3.83.2
Customer service3.33.6
Discounts3.52.9
Policy transparency3.83.1
Value3.52.9
How drivers feel about Elephant

Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.

Based on analysis of verified reviews collected by Insurify

Best in Virginia for
Optional coverages
Good drivers
Numerous discounts
Showing 4 reviews from Virginia driversSee all 78 Elephant reviews
Herbert
Verified Purchase
My Experience with Elephant So Far
Great rates among auto insurers.
Nyree
Verified Purchase
Discounts for safe drivers are always welcome
Okay for the high inflated pricing right now. They’re the only ones that decreased my premium for excellent driving recently.
Jay
Verified Purchase
Mixed Emotions
The website is not so easy to navigate. There isn’t a way to contact the customer service team directly, and it looks like they are deliberately trying to make it difficult for the customer to get in touch with a real human who can assist them. However, if you miss one day in paying the bill, they are quick to send out a letter to cancel your policy. Their response to that is rapid fire!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.93
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

If you’re a high-risk driver in Virginia due to a traffic violation, such as a driving under the influence (DUI) conviction or speeding ticket, you can find some of the lowest rates from Elephant. The insurer also advertises unique discounts, such as a discount if you work from home or are a homeowner.

Pros
  • Unique add-ons like pet injury coverage and legal coverage

  • Advertises flexible payment plans

  • High Trustpilot rating

Cons
  • Not rated by J.D. Power or AM Best

  • Fewer add-ons than competitors

  • No rideshare insurance

State Farm: Best for teen and young drivers in Virginia

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.
$101/mo
Details
4.1
Best choice in VirginiaBased on 20,538 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
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 42 reviews from Virginia driversSee all 7,997 State Farm reviews
Felanese
Verified Review
Can't afford you on a fixed income
No tips. I would have continued, but the increase was too high for someone with my age and driving record. They obviously were no longer interested in keeping me as a client.
Dennis
Verified Review
Save Money With State Farm, Like I Did
I got over $400 off my previous policy. It’s worth talking to them, really.
Dan
Verified Review
Average
The rates go up every 6 months. We have gone 10 years with no claims.
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

State Farm offers affordable car insurance premiums for teens and young drivers in Virginia. If you’re younger than 25, you can sign up for the company’s Steer Clear program to practice safe driving and secure a discount. The car insurance company also advertises teen-specific discounts, like a good student discount and a student away at school discount.

Pros
  • Local car insurance agents in Virginia

  • Above-average J.D. Power rating in Virginia

  • Highly rated mobile app

Cons
  • Fewer coverage options than other insurers

  • Poor Trustpilot rating

  • Not accredited by the Better Business Bureau (BBB)

How car insurance costs in Virginia have changed

Over the past couple of years, car insurance costs in Virginia have remained relatively stable. Rates averaged $2,300 annually in 2024, and by the end of 2025, premiums in the state averaged $2,301 per year.

Virginia drivers could see a rate hike of 1.1% when 2026 comes to a close, with an average annual cost of $2,325, according to an Insurify auto report.

Average car insurance costs in Virginia over time

The chart below shows car insurance rates in Virginia over the last five years.

Average Virginia Car Insurance Rates Over the Past Five Years

State Name
2021-07
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
United States1,5531,5551,5571,5621,5641,5661,5681,5711,5771,5911,6021,6071,6121,6181,6241,6311,6401,6501,6651,6891,7191,7581,8031,8501,8871,9181,9561,9832,0062,0372,0762,1282,1942,2402,2992,3412,3682,3902,3872,3742,3702,3632,3512,3662,3672,3672,3552,3422,3172,2852,2572,2272,2152,2212,2222,2242,2332,2382,2372,2372,238
Virginia1,4101,4051,4031,4031,4031,3971,4031,3991,3971,4061,4101,4101,4111,4171,4221,4231,4271,4331,4401,4481,4611,4751,5031,5271,5611,5901,6171,6421,6671,7141,7251,7751,8321,8561,9091,9502,0242,1082,1662,2232,2542,2642,2722,2902,3362,3622,3752,3832,3752,3632,3602,3572,3662,3782,3662,3722,3882,4092,4262,4482,469

Find Cheap Car Insurance in Virginia

Liability rates start at $56 per month

Excellent
4.7 out of 5 based on 16,546 reviews
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ProgressiveLiberty MutualAllstate

Virginia car insurance requirements

Virginia raised its minimum coverage limits as of Jan. 1, 2025. Below are Virginia’s minimum auto insurance requirements for all policies effective on or after Jan. 1, 2025:[1]

  • Bodily injury liability: $50,000 per person and $100,000 per accident

  • Property damage liability: $25,000 per accident

The Commonwealth of Virginia uses an Insurance Verification Program to electronically verify that Virginia-registered vehicles meet minimum liability insurance requirements.[2]

Car insurance rates across Virginia cities

From the shores of the Chesapeake Bay to the peaks of the Blue Ridge Mountains, Virginians face diverse driving environments and behind-the-wheel risks. Richmond and Woodbridge residents face some of the highest auto insurance premiums in the state, while drivers in Bristol and Christiansburg generally pay the lowest rates.

Here’s an overview of the average car insurance costs in Virginia, broken down by city.

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.

Car insurance quotes in Virginia for drivers with a clean record: Auto-Owners

Here’s a look at the cheapest car insurance rates for drivers with good credit and a clean driving history in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$54
State Farm$55
USAA$74
Chubb$79
Erie$83
Mercury$86
Elephant$86
CSAA$87
National General$96
GEICO$104
Bristol West$104
Progressive$106
Direct Auto$109
GAINSCO$110
Allstate$112
AssuranceAmerica$115
Safeco$127
Trexis$137
Dairyland$140
The General$142
Liberty Mutual$143
Insurify Car$143
Root$148
Travelers$155
Trexis One$158
Clearcover$161
Hugo$180
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.

Cheapest car insurance in Virginia for drivers with a speeding ticket: Auto-Owners

In Virginia, if you drive 20 or more miles per hour above the speed limit, or you’re driving faster than 85 mph, authorities can charge you with reckless driving.[3]

This data shows the cheapest car insurance costs for drivers with a speeding ticket in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
State Farm$72
Auto-Owners$72
USAA$99
CSAA$106
Chubb$108
Elephant$108
Erie$115
Mercury$121
National General$130
Progressive$131
Bristol West$136
GEICO$137
GAINSCO$137
Allstate$139
Direct Auto$143
Safeco$155
AssuranceAmerica$164
Trexis$170
Liberty Mutual$175
Root$175
Insurify Car$177
Dairyland$180
Trexis One$196
The General$197
Clearcover$200
Travelers$207
Hugo$223
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.

Affordable car insurance in Virginia with an at-fault accident: Auto-Owners

Virginia law requires drivers to report car accidents to law enforcement if the accident resulted in any injury, death, or vehicle or property damage.

Below, you’ll find the lowest premiums for Virginia drivers with an at-fault accident.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$75
State Farm$76
USAA$104
Chubb$114
CSAA$117
Elephant$117
Erie$119
Mercury$132
GEICO$140
National General$140
Progressive$141
Bristol West$144
GAINSCO$148
Allstate$149
Direct Auto$156
Safeco$166
AssuranceAmerica$172
Trexis$182
Liberty Mutual$184
Root$186
Insurify Car$190
Dairyland$193
The General$204
Trexis One$210
Travelers$219
Clearcover$225
Hugo$239
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.

Cheap car insurance quotes for Virginia drivers with a DUI: Auto-Owners

Virginia imposes serious penalties on drivers with DUI convictions. A first offense leads to a minimum fine of $250 and driver’s license revocation for one year.[4]

Here are the cheapest rates for drivers with a DUI in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$72
State Farm$76
USAA$103
CSAA$110
Chubb$114
Erie$118
Elephant$119
Mercury$126
Progressive$133
Allstate$140
National General$141
GEICO$141
Bristol West$145
Direct Auto$153
GAINSCO$154
Trexis$172
AssuranceAmerica$173
Safeco$176
Insurify Car$179
Liberty Mutual$185
The General$193
Dairyland$196
Trexis One$198
Root$198
Clearcover$204
Travelers$216
Hugo$226
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.

Cheapest car insurance for drivers with an FR-44 in Virginia: Auto-Owners

In Virginia, high-risk drivers may need to submit an FR-44 insurance certificate to the state proving they meet minimum car insurance requirements. You may be required to keep an FR-44 on file for a certain period of time for things like unsatisfied judgments, failure to provide proof of insurance, or driver’s license suspension.[5]

This data highlights the lowest premiums for drivers with an FR-44 in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$67
State Farm$68
USAA$93
CSAA$99
Chubb$102
Erie$106
Mercury$106
Elephant$107
GEICO$126
National General$126
Progressive$127
Bristol West$130
Allstate$135
Direct Auto$137
GAINSCO$138
Safeco$143
AssuranceAmerica$155
Trexis$165
Liberty Mutual$166
Insurify Car$172
Dairyland$175
Root$178
The General$178
Clearcover$190
Trexis One$190
Travelers$193
Hugo$216
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.

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Liability rates for high-risk drivers average $141 per month

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Cheapest car insurance for teen drivers in Virginia: Auto-Owners

Teen drivers in Virginia can get their learner’s permit at 15 years and 6 months. Once they turn 16 years and 3 months, they’ll qualify for their driver’s license. Drivers younger than 18 must complete a state-approved driver education program and provide written consent from a parent or legal guardian.[6]

Here are the cheapest car insurance rates for teen drivers in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
State Farm$112
Auto-Owners$114
USAA$143
Mercury$163
Erie$163
Elephant$164
Chubb$176
GEICO$193
Bristol West$194
Progressive$199
CSAA$200
GAINSCO$205
National General$211
Allstate$211
Direct Auto$225
Root$227
Liberty Mutual$245
Safeco$245
Dairyland$257
Trexis$258
Clearcover$263
Insurify Car$269
AssuranceAmerica$270
The General$271
Trexis One$297
Travelers$337
Hugo$339
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.

Cheap car insurance quotes in Virginia for senior drivers: Auto-Owners

In Virginia, 15% of the population is age 60 or older. Below are the lowest auto insurance rates for senior drivers in their 60s in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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$44
State Farm$45
CSAA$61
USAA$63
Chubb$64
Erie$68
Mercury$70
Elephant$72
National General$83
GEICO$84
Bristol West$90
Progressive$92
Direct Auto$94
Allstate$97
GAINSCO$99
AssuranceAmerica$101
Safeco$104
Liberty Mutual$115
Trexis$119
Dairyland$124
Insurify Car$124
The General$126
Travelers$129
Root$137
Trexis One$137
Clearcover$140
Hugo$157
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.

Virginia car insurance quotes with bad credit: Auto-Owners

Below are the lowest premiums for drivers with bad credit in Virginia.

The below rates in Virginia are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
State Farm$82
Auto-Owners$84
USAA$95
CSAA$101
Mercury$107
Elephant$110
Erie$129
GEICO$130
National General$130
Progressive$132
Bristol West$134
Chubb$135
Allstate$140
Direct Auto$141
GAINSCO$142
Safeco$147
AssuranceAmerica$160
Liberty Mutual$165
Trexis$171
Insurify Car$178
Dairyland$181
Root$183
The General$183
Travelers$190
Clearcover$195
Trexis One$197
Hugo$224
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.

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Virginia car insurance FAQs

If you’re shopping for cheap car insurance in Virginia, the additional information below can help as you research policy and coverage options.

  • 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 $206 per month for full coverage, Insurify data shows.

  • Is The General a good car insurance company for Virginia drivers?

    If you have incidents on your driving record in Virginia, The General might be a good choice since it works with high-risk drivers and has a strong ability to pay claims. But it’s not the cheapest insurer, so if you have a clean driving record, you’ll likely find better coverage elsewhere.

  • Does State Farm offer gap insurance in Virginia?

    No. State Farm doesn’t offer traditional gap insurance in Virginia or any other state. It does offer Payoff Protector coverage if you have a loan originated by State Farm Bank. Payoff Protector pays the difference between your outstanding loan balance and the amount your insurer pays if your vehicle is a total loss.

Sources

  1. Virginia Department of Motor Vehicles. "Insurance Requirements."
  2. Virginia Department of Motor Vehicles. "Insurance Verification - General Information."
  3. Virginia Department of Motor Vehicles. "Speed Limits."
  4. Virginia Department of Motor Vehicles. "Virginia is Tough on Drunk and Drugged Drivers."
  5. Virginia Department of Motor Vehicles. "Financial Responsibility Certifications."
  6. Virginia Department of Motor Vehicles. "Driver License Eligibility 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
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.

Anna Baluch
Written byAnna BaluchAuto and Home Insurance Writer
Photo of an Insurify author
Anna BaluchAuto and Home Insurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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