We reviewed all of the top auto insurance companies in Virginia and found that Virginia Farm Bureau has the best rates, with a minimum coverage cost of $359 annually, or $30 monthly.
To make sure you're getting your best rates, we recommend comparing rates from at least three companies. Read on to discover which companies feature the lowest premiums in your state, or use the tool above to get quotes from the top insurers near you.
Cheapest auto insurance in Virginia: Virginia Farm Bureau
Minimum liability insurance is the lowest amount of coverage you can purchase, which also makes it the cheapest form of auto insurance. In Virginia, minimum coverage costs $619 per year on average, but drivers can find rates that are 42% cheaper with Virginia Farm Bureau. Our analysis found that, at $359 annually, Virginia Farm Bureau offers the most affordable rates in the state.
Find Cheap Auto Insurance Quotes in Virginia
Another affordable option we recommend to Virginia military members and their families is USAA. A minimum coverage policy from USAA only costs $29 more annually, and the company boasts top customer service reviews and ratings.
Cheap premiums may make minimum coverage policies seem like the best choice, but they only cover damage to another driver's property or person. That means that you must cover your own injuries or damages after an accident.
Cheapest company for full coverage: Virginia Farm Bureau
Insurance companies charge Virginia drivers an average of $1,642 a year, or $137 a month, for full coverage insurance, our analysis found.
Virginia Farm Bureau provides the cheapest full coverage insurance in Virginia. At just $891 annually, or $74 monthly, Virginia Farm Bureau's rates for full coverage are almost half as much as the Virginia state average.
|Virginia Farm Bureau||$891||$74|
Full coverage auto insurance policies add collision and comprehensive coverages to liability insurance. This means that if your car sustains damages due to an accident or an act of God beyond your control (such as from an animal or a weather event), your insurance company will help pay for repairs.
Cheap car insurance for drivers with prior incidents
Marks on your driving record or a poor credit score signal to insurers that you're likely a higher-risk driver, which usually causes them to raise your rates. Recognizing this, we identified the cheapest full coverage car insurance for Virginia drivers who have:
Cheapest for drivers with an accident: Virginia Farm Bureau
Virginia Farm Bureau charged our sample Virginia driver the least for car insurance after an accident, with annual premiums 62% cheaper than the state average of $2,345. In fact, the insurer charged our driver equivalent rates before and after the accident, indicating that it could be a great fit for Virginians with an at-fault accident on their record.
|Virginia Farm Bureau||$891||$74|
Our analysis found that in Virginia, premiums increase by 43% after an at-fault accident. This is because an insurance company will likely consider you a higher-risk driver than it otherwise would. However, different insurers treat at-faults accidents differently. Virginia Farm Bureau does not raise rates at all, as our analysis shows, but Allstate raised rates from $3,268 to $5,618 after an at-fault accident — an increase of 72%. Such significant differences in rate increases show why it's important to shop around to get your best rates, especially if your driving record has changed.
Cheapest car insurance for people with a speeding ticket: Virginia Farm Bureau
Our sample Virginia driver saw his rates go up by 15% after receiving a speeding ticket. Annual premiums from Virginia Farm Bureau were $926 cheaper than the state average for drivers with a speeding ticket, making them the most affordable in the state.
|Virginia Farm Bureau||$961||$80|
Virginia drivers with a speeding ticket on their record may be able to save money by taking a defensive driving course.
Cheapest car insurance for drivers with a DUI: Virginia Farm Bureau
After a DUI citation, average rates for Virginia drivers increase by 54%, making this the most expensive incident to have on your record. Drivers with a DUI could get the cheapest rates from Virginia Farm Bureau, where costs are 57% more affordable than average for most drivers.
|Virginia Farm Bureau||$1,100||$92|
Cheapest car insurance for drivers with poor credit: Geico
Insurers view drivers with a low credit score as posing a greater risk than drivers with a higher credit score, and they usually raise rates to account for this risk. Our analysis found that average rates for Virginia drivers with poor credit are 44% higher than for drivers with average credit. Geico offers the best rates for these types of drivers, charging $871 less than the Virginia state average.
|Virginia Farm Bureau||$1,286||$107|
Cheapest car insurance for married drivers: Virginia Farm Bureau
If you're married, our analysis found that you will pay 9% less on average in Virginia than a driver with your same credit score, driving record, age and car. Virginia Farm Bureau provides the best rates: Married drivers pay $845 annually, or $70 monthly, for full coverage auto insurance.
|Virginia Farm Bureau||$845||$70|
Cheapest car insurance for young drivers: Erie
Young Virginia drivers pay triple what adult drivers pay, according to our analysis. The average cost of full coverage auto insurance for young drivers in the Old Dominion State is $4,991 annually, or $416 monthly.
We recommend that young drivers shopping for the cheapest full coverage car insurance in Virginia take a look at Erie. Our research found that the average annual premium for young Virginia drivers is just $3,008 with Erie, which is 40% less expensive than the state average.
However, young drivers in the military or in a military family will likely get their best rates from USAA, the cheapest overall option. The only insurer in our study with annual premiums less than $3,000, USAA offers young Virginia drivers rates that are 52% cheaper than average.
|4||Virginia Farm Bureau||$4,056||$1,493|
USAA is excluded from rankings because it is only available to current and former military members and their families.
A full coverage policy for young drivers in Virginia costs 166% more than a minimum coverage policy. There's no denying that's a significant increase, but we urge young drivers to purchase a full coverage policy if at all possible. Though minimum liability policies are far more affordable, young drivers run the risk of being caught without adequate coverage if they get into an accident. The best way for teen drivers to keep their rates low is to join their parents' policy.
However, if you ultimately decide a minimum coverage policy is the best option for you, our analysis found that you'll likely get your best rates with Erie or, if you're eligible, USAA. Erie's rates are 43% cheaper than average, and USAA's are 47% cheaper.
Cheapest for young drivers with one accident: Erie
Young Virgina drivers already pay high premiums, but we found that an at-fault accident can cause the cost of insurance to increase by 25%. If you're a young Virginia driver with an at-fault accident on your record, you might find your best rates from Erie. Erie charges teen drivers who have been in an at-fault accident $3,670 annually, which is 41% cheaper than the state average.
Cheapest for young drivers with one speeding ticket: Erie
Young Virginia drivers who have been caught speeding will pay about 10% more than young drivers with a clean record, according to our analysis. The best rates for these young drivers come from Erie; the company's annual premiums are $2,126 lower than the state average.
Best auto insurance companies in Virginia
Our survey of policyholder satisfaction with customer service and claims found that USAA is the best insurer in Virginia.
However, if you're not eligible for USAA membership, then State Farm and Allstate are good choices as well. These companies also received high marks from policyholders.
Percent extremely satisfied with most recent claim
Percent rated customer service as "excellent"
Overall rank takes both claim satisfaction and customer service rankings into account.
The rankings Nationwide and USAA received from J.D. Power and the National Association of Insurance Commissioners (NAIC) further demonstrate their excellent customer service reputations. The national average score for auto claims satisfaction from J.D. Power was 872 out of 1,000, and both Nationwide and USAA scored above that, at 876 and 890, respectively. Similarly, their Complaint Indexes from NAIC were 0.64 and 0.68, which means that they received about a third fewer complaints than typical for an insurer of its size.
NAIC Complaint Index (lower is better)
J.D. Power claims satisfaction score (higher is better)
AM Best Financial Strength Rating
AM Best gave all of the companies in our study a Financial Strength Rating of A or better. These grades mean that AM Best believes they have an "Excellent" or "Superior" ability to pay out claims.
Average car insurance cost in Virginia by city
Average full coverage auto insurance costs vary significantly in Virginia depending on where you live in the state. Massanetta Springs drivers pay just $1,385 a year, while North Springfield drivers pay $1,913 a year — a $528 difference. Virginia residents in more populous, urban areas pay more than residents in rural areas, as accidents and auto theft are more common in cities.
Average annual cost
Percent from average
Virginia rate changes by company
In Virginia, auto insurance providers decreased their premiums by 1.4% in 2020, ending a trend of higher rates over the past several years. State Farm showed the most significant decrease in premiums, down 9.6% compared to 2019. That was nearly twice as much as the next-closest competitor, Progressive, which reduced rates 5.9% in 2020.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
Minimum requirements for auto insurance coverage in Virginia
Virginia does not require drivers to carry car insurance. Drivers can instead pay a $500 fee to the Department of Motor Vehicles, known as the Uninsured Motor Vehicle Fee. Paying this fee allows you to drive legally on Virginia roads without any insurance.
If you do purchase insurance, however, your policy must meet the minimum liability requirements in Virginia:
- Bodily injury liability insurance: $25,000 per person and $50,000 per accident
- Property damage liability insurance: $20,000 per accident
We strongly urge all Virginia drivers to purchase at least the minimum amount of liability insurance, and recommend adding higher liability limits and collision and comprehensive insurance as well. Liability coverage protects you against the cost of property damage or bodily injury if you're at-fault for an accident. Comprehensive and collision insurance protects damage to your own car from on- and off-road events.
Recap of the cheapest auto insurance in Virginia
- Minimum coverage: Virginia Farm Bureau
- Full coverage: Virginia Farm Bureau
- After an at-fault accident: Virginia Farm Bureau
- After a speeding ticket: Virginia Farm Bureau
- After a DUI: Virginia Farm Bureau
- Poor credit history: Geico
- Very good credit history: State Farm
- Married drivers: Virginia Farm Bureau
- Young drivers: Erie
- Young drivers with one accident: Erie
- Young drivers with one speeding ticket: Erie
Frequently asked questions
Which company has the cheapest car insurance in Virginia?
Virginia Farm Bureau has the best price for most Virginians, with an average cost of $359 per year for minimum coverage and $891 for full coverage. Younger drivers may find a better rate at Erie Insurance, though.
How much insurance do I need in Virginia?
The minimum required amount of car insurance in Virginia is $25,000/$50,000 for bodily injury liability and $20,000 for property damage liability. You are not required to carry uninsured motorist coverage or personal injury protection (PIP). Additionally, you can technically pay the DMV $500 per year to register your car without insurance, though we don't recommend doing so.
How much does car insurance cost in Virginia?
We found that the average price for car insurance in Virginia is $619 per year for minimum coverage and $1,642 for full coverage, but you'll find different prices based on your driving history and which insurer you look at.
What is the best car insurance in Virginia?
We found that USAA, Nationwide and State Farm are the Virginia insurers that had the happiest customers. They had the highest rate of customers who were "extremely satisfied" with their most recent claim, and that most often had their customer service rated as "excellent."
We collected thousands of rates from ZIP codes across Virginia for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|Property damage||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||$500 deductible|
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Virginia, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.