Cheapest Car Insurance in Virginia (Best Rates in 2026)
Farm Bureau has the cheapest car insurance in Virginia, at $111 per month for full coverage.
Find Cheap Auto Insurance Quotes in Virginia
Who has the best cheap car insurance in VA?
The cheapest auto insurance companies in Virginia are Farm Bureau, Travelers and Geico.
However, the cheapest company for you can differ by type of coverage, age, driving history, credit score and other factors. Here are the best picks in VA:
Coverage type:
- Cheapest for full coverage: Farm Bureau — $111/mo
- Cheapest for minimum liability coverage: Farm Bureau — $45/mo
Driving history:
- Cheapest after a ticket: Travelers — $115/mo
- Cheapest after an accident: Farm Bureau — $141/mo
- Cheapest after a DUI: Farm Bureau — $155/mo
Age:
- Cheapest for young drivers: Farm Bureau — $119/mo
- Cheapest for teens after a speeding ticket: Travelers — $132/mo
- Cheapest for teens after an accident: Farm Bureau — $136/mo
Credit score:
- Cheapest for people with poor credit: Geico — $201/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Who has the cheapest full coverage car insurance in Virginia?
Farm Bureau is the cheapest for full coverage car insurance for most people in Virginia, at $111 per month. That's a savings of around 34% compared to the state average.
Virginia drivers should also compare quotes from Erie. The company has great customer service, and some people may find its rates to be cheaper than Farm Bureau.
USAA offers even cheaper full coverage rates, according to our analysis of over 1 million quotes across Virginia, at $106 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
Cheapest full coverage car insurance in Virginia
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $111 |
| Travelers | $115 |
| Erie | $128 |
| Geico | $130 |
| State Farm | $176 |
| Nationwide | $208 |
| Progressive | $223 |
| Allstate | $323 |
| USAA* | $106 |
*USAA is only available to current and former military members and their families.
Data-powered research on Virginia car insurance
| Data-powered research on VA car insurance |
|---|
Who has the cheapest liability-only car insurance in VA?
Farm Bureau is the cheapest for liability-only car insurance in Virginia, at $45 per month. That's a savings of around 45% compared to the state average. USAA and Travelers also offer very affordable minimum liability coverage.
Cheap auto insurance quotes in Virginia
Company | Monthly rate |
|---|---|
| Farm Bureau | $45 |
| Travelers | $49 |
| Erie | $56 |
| Geico | $58 |
| State Farm | $85 |
*USAA is only available to current and former military members and their families.
Find cheap auto insurance quotes in Virginia
Who has the best rates on Virginia car insurance for teen drivers?
Farm Bureau is the cheapest for teens in Virginia, at $119 per month for a minimum liability policy. That's a savings of around 54%, compared to the state average, according to our analysis of quotes in 1,008 ZIP codes across Virginia.
Farm Bureau also has the best full coverage rates, at $240 per month, which is less than half the Virginia average.
Best VA auto insurance for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $119 | $240 |
| Erie | $124 | $301 |
| Travelers | $132 | $316 |
| Geico | $149 | $314 |
| State Farm | $279 | $547 |
*USAA is only available to current and former military members and their families.
Car insurance tips for teen drivers in Virginia
- Virginia teens should stay on their parents' car insurance policy as long as possible. A shared policy is usually much cheaper than two separate policies. And, you could also benefit from a multicar discount.
- Another great way for teens to save money on car insurance is by keeping their grades up. Most insurance companies offer good student discounts that can help you save between 4% and 20% on your car insurance bill.
-
Young drivers in Virginia should strongly consider full coverage car insurance with collision and comprehensive coverage, especially if they drive a lot or have a newer car. These coverages help pay for damage to your own car, regardless of whose fault it is.
Since young drivers are more likely to cause an accident, comprehensive and collision coverage could be very useful.
Who has cheap auto insurance in VA after a speeding ticket?
Travelers is the cheapest for drivers with a recent speeding ticket in Virginia, at $115 per month for full coverage. That's a savings of around 45%, compared to the state average.
Even though Travelers is the cheapest, Farm Bureau and Erie have much better customer service. It could be worth spending more for the peace of mind that you'll be well taken care of if you're in an accident in the future.
Best auto insurance in Virginia after a ticket
Company | Monthly rate |
|---|---|
| Travelers | $115 |
| Farm Bureau | $140 |
| Erie | $145 |
| Geico | $189 |
| State Farm | $189 |
*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 $41 per month for a full coverage policy.
Who has the cheapest insurance in VA after an accident?
Virginia Farm Bureau is the cheapest for full coverage insurance after an accident. At $141 per month, drivers could save around 50% by choosing Farm Bureau, compared to the state average.
Affordable car insurance in Virginia after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $141 |
| Travelers | $163 |
| State Farm | $176 |
| Erie | $198 |
| Geico | $252 |
*USAA is only available to current and former military members and their families.
In Virginia, car insurance quotes go up by an average of 68% after an accident.
You don't need to worry about shopping for a new policy right after your accident. Your rates won't go up until your policy renews.
Your insurance company should send your new rates a few weeks before your policy expires. That will give you time to compare quotes from multiple companies before your rates go up.
Who has the cheapest quotes in VA for teens with a bad driving record?
Travelers is the cheapest for teens with a speeding ticket in Virginia, at $132 per month for a minimum liability policy. That's a savings of around 56%, compared to the state average.
But Erie and Farm Bureau have much better customer service scores than Travelers, so it's worth comparing quotes from all three companies to find the best policy for you.
Farm Bureau is the cheapest for Virginia teens with an at-fault accident on their record. At $136 per month, a liability-only policy from Farm Bureau could save you around 63%, compared to the state average.
Affordable car insurance in VA for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $132 | $197 |
| Erie | $151 | $180 |
| Farm Bureau | $155 | $136 |
| Geico | $196 | $268 |
| State Farm | $305 | $279 |
*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, according to our analysis of over 1 million quotes across the state of Virginia. Teen drivers in Virginia can expect car insurance quotes to increase by 40% after an at-fault accident.
Who offers cheap car insurance rates in Virginia after a DUI?
Farm Bureau is the cheapest for drivers with a DUI in Virginia, at $155 per month for a full coverage policy. That's a savings of around 51%, compared to the state average.
Best car insurance quotes in VA after a DUI
Company | Monthly rate |
|---|---|
| Farm Bureau | $155 |
| Travelers | $178 |
| Erie | $268 |
| Progressive | $306 |
| Geico | $336 |
*USAA is only available to current and former military members and their families.
After a DUI, car insurance in Virginia goes up by 86%, on average. That's an average increase of $146 per month for a full coverage policy.
You may also need to get SR-22 or FR-44 insurance in Virginia after a DUI. 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.
Who has the cheapest insurance in VA for drivers with poor credit?
Geico is the cheapest for most people with bad credit in Virginia, at $201 per month. That's a savings of around 36%, compared to the state average.
USAA has even cheaper quotes, at $189 per month for full coverage. But policies from USAA are only available to current and former military members and their families.
Cheap auto insurance in Virginia if you have poor credit
Company | Monthly rate |
|---|---|
| Geico | $201 |
| Travelers | $204 |
| Farm Bureau | $216 |
| Nationwide | $292 |
| Erie | $297 |
*USAA is only available to current and former military members and their families.
A poor credit score increases your car insurance rates even more than a DUI in Virginia. On average, Virginia drivers with poor credit pay 87% more for auto insurance than drivers with good credit.
Poor credit says nothing about your ability to drive. But studies show that 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.
Erie and Farm Bureau are the best companies for Virginia drivers who can't get USAA. Both companies have high customer service ratings and affordable quotes. State Farm also has great customer service, but it tends to be more expensive than Erie or Farm Bureau.
Top insurance companies in Virginia
Company |
Editor's rating
|
Claims experience
|
Customer complaints
|
|---|---|---|---|
| USAA | Excellent | Average | |
| Erie | Excellent | Low | |
| State Farm | Good | Low | |
| Farm Bureau | NR | Very low | |
| Nationwide | Good | Low | |
| Travelers | Average | Low | |
| Geico | Average | Average | |
| Progressive | Poor | Low | |
| Allstate | Average | High |
USAA is only available to current and former military members and their families.
The author, Lindsay Bishop, chose the best car insurance companies in Virginia based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Virginia
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
All of the companies we included have an "A" financial strength rating or better from AM Best. That means these companies shouldn't have an issue paying out claims, even in difficult financial situations such as a major natural disaster.
Average car insurance cost in Virginia by city
Merrimac, part of the Blacksburg-Christiansburg metro area, has the cheapest rates in Virginia.
Drivers in Merrimac pay an average of $139 per month for full coverage insurance.
Lincolnia, a Washington, D.C., suburb, has the most expensive rates in the state, at $210 per month.
Car insurance rates in VA
City | Monthly rate | % from average |
|---|---|---|
| Abingdon | $148 | -12% |
| Accomac | $165 | -2% |
| Achilles | $164 | -3% |
| Adwolf | $152 | -10% |
| Afton | $169 | 0% |
The cost of full coverage auto insurance in Virginia can vary widely from one city to the next. There's a difference of $71 per month between the most and least expensive cities.
How much car insurance coverage do I need in Virginia?
Virginia drivers must have a policy with 50/100/25 in liability coverage.
Minimum car insurance requirement in VA
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
Is minimum liability insurance enough in Virginia?
If you only have the required minimum coverage, you're putting yourself at risk. That's because once your insurance pays out up to your coverage limits if you cause an accident, you'll have to pay for any more damage or medical bills.
For example, if you crash into a brand-new car and damage it beyond repair, the minimum requirement of $25,000 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 in 2026. A full coverage policy from Farm Bureau costs $111 per month, which is $58 per month less than the Virginia average. Farm Bureau also has the cheapest liability-only rates, at $45 per month.
What is the best car insurance in Virginia?
USAA is the best car insurance company in Virginia, based on its high ratings from ValuePenguin editors, J.D. Power and AM Best. If you’re not eligible for USAA, Erie and Farm Bureau are also good options to consider when comparing car insurance quotes.
How much is car insurance in Virginia per month?
The average cost of car insurance in Virginia is $169 per month. That's $39 per month cheaper than the national average.
What is the new law in Virginia about car insurance?
As of Jan. 1, 2025, Virginia drivers need to have insurance with at least $50,000 of bodily injury coverage per person, $100,000 per accident and $25,000 of property damage liability. This is sometimes written as 50/100/25 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 2018 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: $50,000 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.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
