Cheapest Car Insurance in Virginia (Best Rates in 2025)
Farm Bureau has the best cheap car insurance in Virginia, at $105 per month for full coverage.
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Best cheap auto insurance in VA
How we chose the top companies
Best and cheapest car insurance in Virginia
- Cheapest full coverage: Farm Bureau, $105/mo
- Cheapest minimum liability: Farm Bureau, $42/mo
- Cheapest for young drivers: Farm Bureau, $113/mo
- Cheapest after a ticket: State Farm, $124/mo
- Cheapest after an accident: State Farm, $116/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Travelers, $146/mo
- Cheapest after a DUI: Farm Bureau, $146/mo
- Cheapest for poor credit: Geico, $177/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau has the best mix of great customer service and cheap rates. However, Farm Bureau doesn't offer online quotes. You have to contact an agent to compare rates.
Erie and State Farm are the best companies for Virginia drivers looking to shop for rates quickly online. Both have affordable quotes and great customer service.
Best cheap car insurance in Virginia: Farm Bureau
Erie has the cheapest full coverage car insurance in Virginia for most people.
At $105 per month, a policy from Farm Bureau is 25% cheaper than the state average.
USAA offers even cheaper rates, at $95 per month. However, only military members, veterans and some of their family members can get insurance from USAA.
Find cheap auto insurance quotes in Virginia
The average cost of car insurance in Virginia is $140 per month. That's $35 per month cheaper than the national average.
Cheapest full coverage car insurance in Virginia
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $105 |
| State Farm | $116 |
| Geico | $117 |
| Erie | $117 |
| Travelers | $124 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance in VA: Farm Bureau
Farm Bureau has the cheapest liability-only car insurance in Virginia.
A liability-only policy from Farm Bureau costs $42 per month. That's $29 per month less than the Virginia average of $71.
Drivers with military ties can get even cheaper rates from USAA. Liability-only from USAA costs $39 per month, but it's only available to military members, veterans and their families.
Cheap auto insurance quotes in Virginia
Company | Monthly rate |
|---|---|
| Farm Bureau | $42 |
| State Farm | $53 |
| Erie | $54 |
| Travelers | $56 |
| Geico | $59 |
*USAA is only available to current and former military members and their families.
Find cheap auto insurance quotes in Virginia
Cheapest car insurance in VA for young drivers: Erie
Farm Bureau has the best cheap car insurance for teen drivers in Virginia.
A liability-only policy from Farm Bureau costs $113 per month for an 18-year-old driver. That's $101 per month less than the state average.
Farm Bureau also has the best full coverage rate at $225 per month, which is $180 per month cheaper than average.
Best car insurance in Virginia for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $113 | $225 |
| Erie | $120 | $273 |
| Geico | $139 | $269 |
| Travelers | $146 | $320 |
| State Farm | $172 | $348 |
*USAA is only available to current and former military members and their families.
Young drivers in Virginia should consider full coverage car insurance, especially if you drive a lot or have a newer car.
Full coverage insurance costs nearly twice as much as liability-only coverage for an 18-year-old in Virginia. However, full coverage includes comprehensive and collision coverage. These coverages pay for damage to your car in many situations, no matter whose fault it is.
Since young drivers are more likely to cause an accident, comprehensive and collision coverage could be very useful.
Cheap auto insurance in Virginia after a speeding ticket: Travelers and State Farm
Travelers and State Farm have the cheapest car insurance for Virginia drivers with a recent speeding ticket. A full coverage policy costs around $124 per month from either company. That's $50 less per month than the state average.
However, State Farm has better customer service reviews, which makes it the best choice for most people with a ticket.
Best auto insurance in Virginia after a ticket
Company | Monthly rate |
|---|---|
| Travelers | $124 |
| State Farm | $124 |
| Erie | $132 |
| Farm Bureau | $132 |
| Geico | $166 |
*USAA is only available to current and former military members and their families.
Drivers in Virginia can expect car insurance quotes to go up by 24% after a speeding ticket. That's an average increase of $33 per month for a full coverage policy.
Cheap insurance in VA after an accident: State Farm
State Farm has the cheapest auto insurance for Virginia drivers with an accident on their record. A full coverage policy costs $116 per month. That’s about half the state average.
Affordable car insurance in Virginia after an accident
Company | Monthly rate |
|---|---|
| State Farm | $116 |
| Farm Bureau | $133 |
| Travelers | $177 |
| Erie | $181 |
| Geico | $217 |
*USAA is only available to current and former military members and their families.
In Virginia, car insurance quotes increase by 59% after an accident, on average.
You don't need to worry about shopping for a new policy right after your accident. Your current rates won't go up until your policy renews.
Your insurance company should send your new rates a few weeks before your policy renews. That will give you time to compare quotes from multiple companies before your rates go up.
Cheapest quotes in VA for young drivers with a ticket or accident: Travelers and Farm Bureau
Travelers has the cheapest quotes for young Virginia drivers with a recent speeding ticket. A liability-only policy from Travelers costs $146 per month for an 18-year-old driver with one speeding ticket. That's $102 per month less than the state average.
Erie is also a great choice for teens with a ticket. It only costs about $1 more per month than Travelers, but Erie has much better customer service. That could be very important if you have an accident in the future.
Farm Bureau has the cheapest rates for teens with an accident on their record. At $129 per month, a liability-only policy from Farm Bureau is less than half the average cost after a crash.
Affordable car insurance in VA for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $146 | $213 |
| Erie | $147 | $174 |
| Farm Bureau | $148 | $129 |
| Geico | $181 | $244 |
| State Farm | $188 | $172 |
*USAA is only available to current and former military members and their families.
Young Virginia drivers with a speeding ticket pay about 15% more than teens with a clean record. Teen drivers in Virginia can expect their car insurance quotes to increase by 38% after an at-fault accident.
Cheap car insurance in VA after a DUI: Farm Bureau
Farm Bureau has the cheapest rates for drivers with a DUI in Virginia. A full coverage policy from Farm Bureau costs $146 per month. That's $113 per month less than the average price for drivers with a DUI.
Best car insurance quotes in VA after a DUI
Company | Monthly rate |
|---|---|
| Farm Bureau | $146 |
| Travelers | $196 |
| Progressive | $237 |
| Erie | $247 |
| Geico | $292 |
*USAA is only available to current and former military members and their families.
After a DUI, car insurance in Virginia increases by 85% on average. That's an average increase of $199 per month for a full coverage policy.
You may also need to get SR-22 or FR-44 insurance. It typically costs between $15 and $50 for an insurance company to file an SR-22 or FR-44 form on your behalf. This cost is in addition to your rate increase.
Cheapest insurance in VA for drivers with poor credit: Geico
Geico offers the best rates for Virginia drivers with poor credit scores. At $177 per month for full coverage, a policy from Geico costs $80 less per month than the Virginia state average.
Affordable VA car insurance if you have poor credit
Company | Monthly rate |
|---|---|
| Geico | $177 |
| Farm Bureau | $203 |
| Nationwide | $211 |
| Travelers | $220 |
| Erie | $271 |
*USAA is only available to current and former military members and their families.
On average, Virginia drivers with poor credit pay 83% more for auto insurance than drivers with good credit.
Poor credit says nothing about your ability to drive. But drivers with bad credit are more likely to file a claim than those with good credit. Insurance companies usually charge more to account for this risk.
Best car insurance in Virginia
USAA has the best auto insurance in Virginia.
It has an excellent rating from ValuePenguin editors, a high J.D. Power customer service score and some of the cheapest rates in the state. However, USAA only sells insurance to military members, veterans and their families.
State Farm and Erie are the best companies for Virginia drivers who don't qualify for USAA. Both companies have high customer service ratings and affordable quotes.
Top insurance companies in Virginia
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Erie | 700 | A+ | |
| Farm Bureau | 673 | A | |
| Geico | 637 | A++ |
Average car insurance cost in Virginia by city
Dayton, a suburb of Harrisonburg, has the cheapest rates in Virginia, at $117 per month for full coverage.
Lincolnia, a Washington, D.C. suburb, has the most expensive rates in the state, at $176 per month.
The cost of full coverage auto insurance in Virginia can vary widely from one city to the next. There's a difference of $59 per month between the most and least expensive cities.
Car insurance quotes in VA by city
City | Monthly Rate | % from average |
|---|---|---|
| Abingdon | $123 | -12% |
| Accomac | $138 | -2% |
| Achilles | $138 | -2% |
| Adwolf | $126 | -10% |
| Afton | $141 | 1% |
Virginia auto insurance requirements
Virginia state law requires that you have a minimum amount of auto insurance, as of July 2024. This requirement is sometimes written as 30/60/20.
Previously, you could drive on Virginia roads if you paid a $500 fee to the DMV (Department of Motor Vehicles). This is called the Uninsured Motor Vehicle Fee.
Minimum car insurance requirement in VA
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $20,000 per accident
Virginia drivers should note the state is raising the required insurance limits on January 1, 2025.
You'll need to have a policy with 50/100/25 in liability coverage. Your insurance company should automatically increase your limits when the new requirement goes into effect. However, you may see your insurance rates go up.
If you only have the required minimum coverage, you're putting yourself at risk. That's because you're responsible for paying any extra costs above your coverage limits.
For example, if you crash into a brand-new car and damage it beyond repair, the minimum requirement of $20,000 of property damage liability won't be enough to replace the other driver's vehicle.
Consider getting full coverage by raising your liability limits and adding collision and comprehensive insurance.
Frequently asked questions
Who has the cheapest car insurance in Virginia?
Farm Bureau has the cheapest car insurance quotes for most people in Virginia. A full coverage policy from Farm Bureau costs $105 per month, while liability-only costs $42 per month.
What is the best car insurance in Virginia?
USAA is the best car insurance in Virginia, based on high ratings from ValuePenguin editors, J.D. Power and AM Best. If you’re not eligible for USAA, State Farm and Erie are also good options to consider when comparing car insurance quotes.
How much is car insurance in Virginia per month?
Car insurance in Virginia costs $140 per month for full coverage and $71 per month for liability-only coverage, on average.
What is the new law in Virginia about car insurance?
As of July 1, 2024, Virginia drivers must have insurance. You'll need $30,000 of bodily injury coverage per person, $60,000 per accident and $20,000 of property damage liability, sometimes written as 30/60/20 coverage.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Virginia for the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Full coverage rates are for a policy with comprehensive and collision coverage, as well as more liability than the state minimum.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were taken from insurance company filings and should be used for comparative purposes only. Your quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.