Cheapest Car Insurance in Virginia (Best Rates in 2024)
Erie has the best cheap car insurance in Virginia, at $91 per month for full coverage.
Find Cheap Auto Insurance Quotes in Virginia
Best cheap car insurance companies in Virginia
| 511,000 quotes for accurate rates |
| 9 top companies in the state |
| 1,007 ZIP codes across Virginia |
ValuePenguin's insurance experts use data to help find the best insurance company for you. We don't make money by promoting any specific companies. Instead, our analysis is to help you comparison shop. Full methodology.
| Best and cheapest car insurance in Virginia |
- Cheapest full coverage: Erie, $91/mo
- Cheapest minimum liability: Erie, $38/mo
- Cheapest for young drivers: Erie, $84/mo
- Cheapest after a ticket: State Farm, $102/mo
- Cheapest after an accident: State Farm, $110/mo
- Cheapest for teens after a ticket: Erie, $104/mo
- Cheapest after a DUI: State Farm, $102/mo
- Cheapest for poor credit: Geico, $172/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie has the best mix of great customer service and cheap rates.
Virginia drivers should also compare quotes from Farm Bureau and State Farm. Both companies have affordable rates and good customer service. But you have to speak with a local agent to get a quote from Farm Bureau.
Cheapest car insurance in Virginia: Erie
Erie has the best full coverage car insurance quotes in Virginia. At $91 per month, a policy from Erie is 32% cheaper than the state average of $133 per month.
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Cheapest Virginia full coverage car insurance
Company | Monthly rate | |
|---|---|---|
| Erie | $91 |
| State Farm | $95 |
| Farm Bureau | $103 |
| Geico | $114 |
| Travelers | $122 |
*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. A full coverage policy will help pay for repairs if you cause an accident that damages your car. It also covers events beyond your control (like hail or vandalism).
Cheapest liability insurance quotes in Virginia: Erie & Farm Bureau
Erie and Virginia Farm Bureau have the best minimum car insurance coverage quotes for Virginia drivers. It costs $38 per month, on average, to insure your car with either company . That's a savings of $22 per month compared to the Virginia state average.
Auto insurance in Virginia costs $60 per month for a minimum liability policy on average.
Cheapest Virginia car insurance companies
Company | Monthly rate |
|---|---|
| Erie | $38 |
| Farm Bureau | $38 |
| State Farm | $39 |
| Geico | $49 |
| Travelers | $51 |
*USAA is only available to current and former military members and their families.
Find cheap auto insurance quotes in Virginia
Cheapest car insurance for young drivers in Virginia: Erie
Erie has the best cheap car insurance for teen drivers in Virginia.
A minimum coverage policy from Erie costs $84 per month for an 18-year-old driver. That's less than half the price of the state average. Erie also has the best full coverage rate at $213 per month.
Cheapest Virginia car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $84 | $213 |
| Farm Bureau | $104 | $224 |
| Geico | $121 | $268 |
| State Farm | $129 | $289 |
| Travelers | $137 | $322 |
A minimum coverage auto insurance policy costs $168 per month for an 18-year-old Virginian, on average. At $385 per month, a full coverage policy costs $217 more per month than minimum coverage. Car insurance for an 18-year-old driver costs nearly 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. That means they're more likely to use the comprehensive and collision coverage included in a full coverage policy. This helps pay for damage to your own car after an accident you cause.
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 $102 per month. That's $59 less per month than the state average.
Cheap car insurance after a ticket in Virginia
Company | Monthly rate |
|---|---|
| State Farm | $102 |
| Erie | $103 |
| Travelers | $122 |
| Farm Bureau | $131 |
| Geico | $145 |
Drivers in Virginia can expect car insurance quotes to go up by 21% after a speeding ticket. However, not all companies raise rates by the same amount. Virginia drivers insured by Travelers could see no increase in price after a single speeding ticket. In contrast, 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. A full coverage policy costs $110 per month. That's 47% cheaper than the state average of $209 per month.
Most affordable car insurance in Virginia after an accident
Company | Monthly rate |
|---|---|
| State Farm | $110 |
| Erie | $129 |
| Farm Bureau | $131 |
| Travelers | $172 |
| Geico | $198 |
In Virginia, car insurance quotes increase by 57% after an accident, on average.
Cheapest car insurance for young drivers after a ticket or accident: Erie
Erie has the best quotes for young Virginia drivers with a recent speeding ticket or accident.
A minimum coverage policy from Erie for teen drivers costs $104 per month, which is $90 per month cheaper than the state average. And Erie charges 18-year-old drivers who have caused an accident $117 per month for minimum coverage.
Best car insurance for 18-year-olds after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $104 | $117 |
| Farm Bureau | $136 | $119 |
| Travelers | $137 | $193 |
| State Farm | $141 | $155 |
| Geico | $142 | $195 |
Young Virginia drivers with a speeding ticket will pay about 15% more than teens with a clean record. Teen drivers in Virginia can expect their car insurance quotes to increase by 40% after a single at-fault accident.
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 $102 per month. That's less than half the average price for drivers with a DUI.
Best price for VA car insurance after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $102 |
| Farm Bureau | $139 |
| Erie | $155 |
| Progressive | $185 |
| Travelers | $186 |
After a DUI citation, average quotes for Virginia drivers increase by 64% on average. You may also need to get SR-22 or FR-44 insurance. This 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 $172 per month for full coverage, a policy from Geico costs $72 less per month than the Virginia state average.
Cheapest Virginia auto insurance companies if you have poor credit
Company | Monthly rate |
|---|---|
| Geico | $172 |
| Farm Bureau | $184 |
| Erie | $209 |
| Travelers | $218 |
| Progressive | $233 |
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. Poor credit says nothing about your ability to drive.
On average, Virginia drivers with poor credit pay 83% more for auto insurance than drivers with good credit.
Best car insurance companies in Virginia
USAA has the best car insurance in Virginia.
It has an excellent rating from ValuePenguin editors and a high J.D. Power customer service score.
However, USAA only sells insurance to military members, veterans and their families. Virginia drivers should also consider State Farm and Erie. Both companies have high customer service ratings.
Top car insurance companies in Virginia
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Erie | 871 | A+ | |
| State Farm | 842 | A++ | |
| Farm Bureau | NR | A | |
| Geico | 835 | 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 lead to a shorter claims process and lower out-of-pocket costs.
Average cost of auto insurance in Virginia by city
Drivers in Dayton, a suburb of Harrisonburg, pay the cheapest rates in Virginia, averaging $111 per month for full coverage.
Lincolnia, a Washington, D.C. suburb, has the most expensive rates in the state, at $159 per month.
The cost of full coverage auto insurance in Virginia can vary widely from one city to the next. There is a $48-per-month difference between the most and least expensive cities.
City | Monthly rate | % from average |
|---|---|---|
| Abingdon | $116 | -13% |
| Accomac | $129 | -3% |
| Achilles | $128 | -4% |
| Adwolf | $122 | -8% |
| Afton | $132 | -1% |
Virginia auto insurance requirements
Starting July 1, 2024, you need to have auto insurance to drive in Virginia.
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.
If your car is registered as an uninsured vehicle, you'll need to buy insurance and update your registration by July 1, 2024.
Virginia state law requires that you have a minimum amount of auto insurance. This requirement is sometimes written as 30/60/20.
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 then you're putting yourself at risk. That's because you're responsible for paying any extra costs after you meet your coverage limits. Consider getting full coverage by raising your liability limits and adding collision and comprehensive insurance.
Frequently asked questions
Which company has the cheapest car insurance in Virginia?
Erie has the cheapest car insurance quotes for most people in Virginia. A minimum coverage policy from Erie costs $38 per month. Erie also has the cheapest full coverage, at $91 per month.
What is the best car insurance in Virginia?
USAA is the best car insurance in Virginia if you can get it, based on high ratings from ValuePenguin editors, J.D. Power and AM Best. State Farm and Erie are also good options to consider when comparing car insurance quotes.
What is the average cost of auto insurance in Virginia?
Car insurance in Virginia costs $60 per month for minimum coverage and $133 per month for full coverage on average.
Does Virginia require car insurance?
Virginia drivers must have insurance starting on July 1, 2024. 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.
Is car insurance cheaper in Virginia?
The cost of minimum coverage car insurance in Virginia is cheaper than in other states — it ranks as the 16th cheapest state. It's the 15th cheapest state for full coverage insurance.
Methodology
ValuePenguin 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 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.