Best and Cheapest Car Insurance Quotes in Virginia (2023)
State Farm has the best cheap car insurance quotes in Virginia, at $30 per month for minimum coverage and $72 per month for full coverage.
Best cheap car insurance in Virginia
To determine the best cheap car insurance in VA, our editorial team compared quotes from some of the largest auto insurance companies in the state across every ZIP code. Quotes for minimum coverage meet Virginia's state minimum requirements of $30,000 in bodily injury liability coverage per person and $60,000 per accident, plus $20,000 in property damage coverage. Quotes for full coverage policies include collision and comprehensive coverage, plus higher liability limits than state minimums.
In addition, we rated the best insurance companies in VA based on affordability for different drivers, customer satisfaction, convenience and coverage availability.
Cheapest car insurance quotes in Virginia: State Farm
State Farm has the best minimum car insurance coverage quotes for Virginia drivers. It costs $30 per month, on average, to insure your car with State Farm, which is $20 per month less than the state average.
The average cost of auto insurance in Virginia is $50 per month, or $603 per year, for a minimum liability policy.
Find Cheap Auto Insurance Quotes in Virginia
Cheapest Virginia car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $30 |
| Erie | $35 |
| Geico | $40 |
| Nationwide | $51 |
| Travelers | $51 |
USAA is only available to current and former military members and their families.
Minimum liability insurance has the lowest amount of coverage you can get, which also makes it the cheapest auto insurance. Cheap quotes might make this seem like the best choice; however, in Virginia, it only includes a limited amount of coverage for injuries to another driver and damage to their property.
Minimum coverage doesn't pay for any damage to your own vehicle. That means that you might wind up paying more in the long run if you're in an accident.
We recommend full coverage auto insurance for most Virginia drivers, to ensure you have enough protection if you're in a serious crash.
Cheapest full coverage car insurance in Virginia: State Farm
State Farm has the best full coverage car insurance quotes in Virginia. At $72 per month, a policy from State Farm is 39% cheaper than the state average of $118 per month.
Company | Monthly rate |
|---|---|
| State Farm | $72 |
| Erie | $79 |
| Geico | $97 |
| Travelers | $122 |
| Nationwide | $128 |
USAA is only available to current and former military members and their families.
Full coverage car insurance includes collision and comprehensive coverages along with liability insurance. If your car is damaged in an accident that's your fault or an event beyond your control (like hail or vandalism), a full coverage policy will help pay for repairs.
Cheap car insurance in VA for drivers with prior incidents
State Farm has the cheapest quotes for drivers with a speeding ticket, DUI or car crash on their record.
The average cost of auto insurance in Virginia is typically higher for drivers who have a poor credit score or incidents on their driving record, like a speeding ticket, accident or DUI. Insurance companies see these incidents as signs you are a high-risk driver, resulting in higher rates.
Find Cheap Auto Insurance Quotes in Virginia
Cheapest car insurance quotes after a speeding ticket: State Farm
State Farm has the cheapest car insurance for Virginia drivers with a recent speeding ticket. Full coverage policies from State Farm cost $77 per month, which is $63 less per month than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $77 |
| Erie | $90 |
| Geico | $97 |
| Travelers | $122 |
| Nationwide | $161 |
Drivers in Virginia can expect car insurance quotes to increase by 18% after a speeding ticket. However, not all companies raise rates by the same amount. Virginia drivers insured by Geico and Travelers could see no increase in price after a single speeding ticket. The most expensive insurer, Allstate, raises rates by 29%.
That's why it's important to shop around to find the cheapest quotes, especially after a ticket or accident.
Cheap car insurance in VA after an accident: State Farm
State Farm has the cheapest auto insurance for Virginia drivers with an at-fault accident on their record. It costs $84 per month for a full coverage policy — 54% cheaper than the state average of $181 per month.
Company | Monthly rate |
|---|---|
| State Farm | $84 |
| Erie | $113 |
| Geico | $142 |
| Travelers | $172 |
| Nationwide | $197 |
In Virginia, car insurance quotes increase by 54% after an accident, on average.
Cheapest DUI car insurance quotes in VA: State Farm
State Farm has the cheapest rates for drivers with a DUI in Virginia. A full coverage policy from State Farm costs $77 per month. That's 60% more affordable than the average price for drivers with a DUI.
Company | Monthly rate |
|---|---|
| State Farm | $77 |
| Erie | $136 |
| Progressive | $185 |
| Travelers | $186 |
| Geico | $236 |
After a DUI citation, average quotes for Virginia drivers increase by 63%. You may also be required to get SR-22 or FR-44 insurance, which could cause your rates to go up even more.
Cheapest car insurance for drivers with poor credit: Geico
Geico offers the best rates for Virginia drivers with poor credit scores. At $114 per month for full coverage, a policy from Geico costs $71 less per month than the Virginia state average.
Company | Monthly rate |
|---|---|
| Geico | $114 |
| State Farm | $145 |
| Nationwide | $180 |
| Erie | $184 |
| Travelers | $218 |
Drivers with bad credit are more likely to file a claim than those with good credit, and insurance companies usually charge more to account for this risk. Poor credit says nothing about your ability to drive. On average, quotes for Virginia drivers with poor credit are 56% higher than quotes for drivers with good credit.
Cheapest car insurance for young drivers in Virginia: Erie
Erie has the best cheap car insurance in Virginia for teen drivers.
A minimum coverage policy from Erie costs $79 per month for an 18-year-old driver, which is 48% cheaper than the state average. Erie also has the best full coverage rate, at $186 per month — 49% below average.
Cheapest Virginia car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $79 | $186 |
| State Farm | $99 | $220 |
| Geico | $131 | $311 |
| Travelers | $137 | $322 |
| Allstate | $172 | $542 |
The average cost of minimum coverage auto insurance for an 18-year-old in Virginia is $153 per month. At $366 per month, a full coverage policy costs $213 more per month than minimum coverage. Car insurance for an 18-year-old driver costs three times as much as coverage for a 30-year-old in Virginia.
Although that's a big increase, teen drivers should consider getting a full coverage policy if they can afford it.
Young drivers are more likely to cause an accident, so they're more likely to benefit from the comprehensive and collision coverage included in a full coverage policy, which helps pay for damage to your own car.
Cheapest car insurance for teen drivers after a ticket: Erie
Erie has the best quotes for young Virginia drivers with a recent speeding ticket. A minimum coverage policy from Erie costs $97 per month, which is $73 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| Erie | $97 |
| State Farm | $108 |
| Geico | $131 |
| Travelers | $137 |
| Nationwide | $202 |
Young Virginia drivers who have been caught speeding will pay about 11% more than teens with a clean record.
Cheapest quotes in VA for young drivers after an accident: Erie
Erie has the most affordable quotes for young Virginia drivers with an accident on their record. Erie charges 18-year-old drivers who have caused an accident $109 per month for minimum coverage — 46% cheaper than the state average.
Company | Monthly rate |
|---|---|
| Erie | $109 |
| State Farm | $119 |
| Geico | $145 |
| Travelers | $193 |
| Nationwide | $208 |
Teen drivers in Virginia can expect their car insurance quotes to increase by 31% after a single at-fault accident.
Cheapest car insurance quotes in Virginia for married drivers: Erie
Erie offers married drivers the best rate for full coverage insurance, at $70 per month — 34% cheaper than the Virginia state average.
In Virginia, full coverage quotes are 10% cheaper for married drivers than for unmarried drivers. This is because, statistically, married drivers cause fewer accidents than unmarried drivers.
Company | Monthly rate per car |
|---|---|
| Erie | $70 |
| State Farm | $72 |
| Geico | $102 |
| Nationwide | $121 |
| Progressive | $123 |
Married drivers may be able to save even more by adding multiple drivers and multiple cars to the same car insurance policy — savings that aren't reflected in these quotes.
Best car insurance companies in Virginia
Erie is the best car insurance in Virginia, with an excellent rating from our editors and a high J.D. Power customer service score.
Virginia drivers should also consider State Farm and USAA — both companies earned 4.5 out of 5 stars from our editors. However, USAA is only available to military members, veterans and their families, which is why it's not our top choice.
Best VA car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Erie | 870 | A+ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
Choosing a dependable insurance company is as important as finding the lowest rate. Excellent customer service will come in handy if you're ever in an accident — it can mean a shorter claims process and lower out-of-pocket expenses.
Average cost of auto insurance in Virginia by city
Drivers in Blacksburg and its suburb, Merrimac, pay the cheapest rates in Virginia, at $99 per month for full coverage.
Lincolnia, a suburb of Washington, D.C., has the most expensive rate in the state, at $137 per month.
The cost of full coverage auto insurance in Virginia doesn't change much from one city to the next. There is a $38-per-month difference between the most and least expensive cities.
City | Monthly cost | % from average |
|---|---|---|
| Abingdon | $105 | -11% |
| Accomac | $116 | -2% |
| Achilles | $113 | -4% |
| Adwolf | $110 | -7% |
| Afton | $115 | -3% |
Virginia auto insurance requirements
Virginia does not require drivers to carry car insurance.
Instead, you can pay a $500 fee to the Department of Motor Vehicles (DMV), known as the Uninsured Motor Vehicle Fee. Paying this fee allows you to drive legally on Virginia roads for 12 months without any insurance. However, it doesn't offer any protection if you're in an accident. That means you'll have to pay any costs out of pocket if you cause a crash.
If you do buy insurance, your policy must meet the following minimum liability requirements:
Minimum car insurance requirement in VA
Coverage | Limit |
|---|---|
| Bodily injury liability | $30,000 per person/$60,000 per accident |
| Property damage liability | $20,000 per accident |
We strongly urge all Virginia drivers to get at least the minimum amount of liability insurance.
We recommend adding higher liability limits and collision and comprehensive insurance as well.
Frequently asked questions
Which company has the cheapest car insurance in Virginia?
State Farm has the cheapest car insurance quotes for most people in Virginia. A minimum coverage policy from State Farm costs $30 per month, and full coverage costs $72 per month.
What is the best car insurance in Virginia?
Erie is our pick for the best car insurance in Virginia based on high ratings from our editors, J.D. Power and AM Best. State Farm and USAA are also good options to consider when comparing car insurance quotes.
What is the average cost of auto insurance in Virginia?
The average cost of car insurance in Virginia is $50 per month, or $603 per year, for minimum coverage. Full coverage costs $118 per month, or $1,417 per year, on average.
Does Virginia require car insurance?
Virginia does not require car insurance. However, drivers who choose not to get insurance have to pay the DMV $500 per year to register a car and will be financially responsible for any damage that they cause in an accident.
Is car insurance cheaper in Virginia?
The cost of minimum coverage car insurance in Virginia is about average — it ranks as the 26th cheapest state. However, it's the 10th cheapest state for full coverage insurance.
How much does car insurance cost in Richmond, Va.?
Drivers in Richmond pay an average of $128 per month for full coverage car insurance, which is 8% more expensive than the state average.
Methodology
We collected thousands of rates from ZIP codes across Virginia for the largest insurance companies in the state. Unless otherwise noted, quotes are based on a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full coverage rates are for a full coverage policy with the following limits:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Medical payments coverage | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.