Best Car Insurance Rates in Virginia

Find the Cheapest Auto Insurance Quotes in Your Area

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ValuePenguin.com analyzed car insurance premiums to give the state's 5.7 million licensed drivers an idea of the best auto insurance rates in Virginia. We studied rates by company, city, and profile, and found the overall average car insurance rate in the state to be $1,139 per year.

Drivers that get car insurance with Erie, the cheapest car insurance company we surveyed, can pay $684 per year for coverage—40% less than the Virginia average. However, as the insurer with the lowest auto premiums can vary by city, we recommend that you compare quotes to ensure you get the best price. Type your zip code above to start shopping quotes from the top auto insurance companies in your area.

Best Auto Insurance in Virginia

The best car insurance rates in Virginia can be found with Erie, The Cincinnati and Penn National. These three companies offered the most affordable auto premiums, with an average cost of $704 per year—38% less than the Virginia average. Furthermore, these insurers' car insurance quotes were over $1,500 less per year than those offered by Titan—the most expensive company we surveyed.

Chart of the five cheapest car insurance companies in Virginia

Find the Cheapest Auto Insurance Quotes in Your Area

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Our study revealed that small regional insurers offered the cheapest car insurance rates in Virginia. None of the three cheapest auto insurance companies were among the largest auto insurers in the country. Among the top insurers in the country, Nationwide is the only company to rank among the five most affordable car insurance companies in Virginia.

CompanyAnnual Auto Insurance Rate
Erie$684
The Cincinnati$691
Penn National$738
Nationwide$805
Auto Owners$816
GEICO$850
State Farm$937
Progressive$952
Allstate$977
ALFA$980
National Grange Mutual$985
Chubb$1,006
Safe Auto$1,115
Mercury$1,181
Donegal Mutual$1,201
Electric$1,238
Encompass$1,360
The General$1,377
MetLife$1,404
21st Century$1,416
Kemper Specialty$2,040
Titan$2,312
Virginia Average$1,139

Cheapest Auto Insurance in Virginia by City

Our study revealed that the cheapest car insurance company varies by city—with six different insurance companies having the cheapest auto quote in a least one of the 57 cities we surveyed. These companies were The Cincinnati, Erie, Penn National, Nationwide, Auto Owners, and GEICO. Consult the table below to see which companies offer the best rates in your city.

CityInsurance CompanyAnnual Auto Insurance Rate
WaynesboroThe Cincinnati$516
Erie$564
Penn National$636
StauntonThe Cincinnati$516
Erie$564
Penn National$624
HarrisonburgThe Cincinnati$516
Erie$564
Penn National$624
ChristiansburgThe Cincinnati$516
Erie$600
Penn National$612
RadfordThe Cincinnati$516
Erie$600
Penn National$648
SalemThe Cincinnati$516
Erie$624
Penn National$636
RoanokeThe Cincinnati$516
Erie$624
Penn National$636
WinchesterThe Cincinnati$516
Erie$564
Penn National$636
LexingtonThe Cincinnati$516
Erie$564
Penn National$636
WilliamsburgThe Cincinnati$516
Erie$684
Nationwide$696
VintonThe Cincinnati$516
Penn National$648
Erie$696
CharlottesvilleThe Cincinnati$516
Penn National$696
Erie$720
BristolThe Cincinnati$516
Erie$612
Penn National$696
LynchburgThe Cincinnati$516
Erie$624
Penn National$672
WythevilleThe Cincinnati$516
Erie$612
Penn National$720
AshburnThe Cincinnati$516
Erie$696
Penn National$696
LeesburgThe Cincinnati$516
Erie$696
Auto Owners$756
CrozetPenn National$696
Erie$720
The Cincinnati$756
DanvilleErie$660
Penn National$684
The Cincinnati$744
South BostonErie$660
Penn National$684
Auto Owners$768
MarionThe Cincinnati$564
Erie$612
Penn National$732
HillsvilleErie$612
The Cincinnati$636
Penn National$720
MartinsvilleThe Cincinnati$612
Erie$660
Penn National$672
GalaxErie$612
The Cincinnati$636
Penn National$732
FredericksburgThe Cincinnati$648
Erie$672
Penn National$732
WarrentonThe Cincinnati$612
Penn National$696
Erie$708
PetersburgErie$684
The Cincinnati$696
Penn National$720
OrangeErie$708
Penn National$744
Auto Owners$768
SmithfieldErie$720
Penn National$720
GEICO$813
SuffolkErie$684
Penn National$720
GEICO$813
King GeorgeErie$660
Penn National$720
Nationwide$768
HopewellErie$684
The Cincinnati$696
Penn National$720
CulpeperPenn National$672
Erie$684
The Cincinnati$744
RestonThe Cincinnati$660
Erie$756
Penn National$840
FranklinErie$720
Penn National$720
Auto Owners$780
ChesapeakeErie$720
Penn National$792
GEICO$793
ViennaThe Cincinnati$660
Erie$756
GEICO$837
ArlingtonThe Cincinnati$660
Erie$720
GEICO$790
Newport NewsErie$708
Penn National$780
Nationwide$792
Virginia BeachErie$720
GEICO$802
Penn National$804
HerndonThe Cincinnati$660
Erie$756
Nationwide$840
ManassasThe Cincinnati$612
Erie$756
Auto Owners$792
FarmvillePenn National$732
Erie$744
Auto Owners$768
CentrevilleThe Cincinnati$660
Erie$756
Penn National$828
BurkeThe Cincinnati$660
Erie$756
Penn National$840
Gate CityThe Cincinnati$564
Erie$684
Penn National$756
SpringfieldThe Cincinnati$660
Erie$756
Penn National$828
Great FallsThe Cincinnati$660
Erie$756
Nationwide$840
FairfaxThe Cincinnati$660
Erie$756
Penn National$816
HamptonErie$708
Penn National$792
GEICO$897
Falls ChurchThe Cincinnati$660
Erie$720
Penn National$852
PortsmouthErie$720
Penn National$804
Nationwide$828
AlexandriaThe Cincinnati$660
Erie$756
Penn National$852
RichlandsThe Cincinnati$564
Erie$684
Penn National$720
StrasburgThe Cincinnati$564
Erie$720
Penn National$756
NorfolkErie$720
Penn National$804
Nationwide$828
RichmondThe Cincinnati$696
Erie$792
Penn National$840

Alexandria, VA

As the hometowns of Presidents George Washington and Gerald Ford, Alexandria, VA is a city steeped in history as well as one of the most expensive cities in Virginia for car insurance. The annual cost of insuring one's car in Alexandria was $1,267—which was 11% greater than the Virginia average. The most expensive insurer in Alexandria was Titan—which quoted our profile driver an annual rate of $2,616 per year. On the other hand, The Cincinnati offered the cheapest auto insurance rates, with rates of $660.

Chart of the cheapest auto insurers in Alexandria, Virginia.

Richmond, VA

According to our study we found that the average cost of auto insurance for Richmond drivers to be $1,288 per year, which was the most expensive of the 57 cities we considered. Residents in this city can find the lowest rates with The Cincinnati, Erie, and Penn National. These companies offered our sample driver rates with an average cost of $776 per year. On the other end of the spectrum was Titan, with annual premiums of $2,436.

Chart of the cheapest auto insurers in Alexandria, Virginia.

Virginia Beach, VA

Virginia Beach—the most populous city in Virginia with 447,000 residents—had an average auto insurance rate that was about even with the state average at $1,189 per year. However, drivers that get coverage with Erie, GEICO or Penn National—the three cheapest insurers in Virginia Beach—could save as much 35% on their auto insurance coverage compared to the citywide average.

Chart of the cheapest auto insurers in Virginia Beach, Virginia.

Norfolk, VA

With an average car insurance rate of $1,288, Norfolk ranks as the second most expensive city that we included in our study. Quotes for our Norfolk profile driver ranged from $720 with Erie, the cheapest insurer, to $2,148 with Titan—the most expensive car insurance company.

Chart of the cheapest auto insurers in Norfolk, Virginia.

Roanoke, VA

Our research revealed that the city of Roanoke had auto insurance rates that were 12% cheaper than the statewide average, at $999 per year for our profile driver. We found that drivers in this city that are insured with Titan could be drastically overpaying for auto insurance, as this insurer provided us with a quote of $1,956 per year for coverage. On the other end of the spectrum The Cincinnati featured the cheapest quote, with an annual premium of $516—almost one-quarter the cost of Titan's rate.

Chart of the cheapest auto insurers in Roanoke, Virginia.

Average Cost of Car Insurance in Virginia: by City

The areas sampled in the study represent a blend of both large cities and smaller cities in rural areas. In general, across cities, there was not much variation in the cost of insurance. Waynesboro was the cheapest place to insure a car at $957 per year and Richmond, the most costly city in the sample, was 35% more expensive with a rate of $1,288.

RankCityAverage Car Insurance Rate
1Waynesboro$957
2Staunton$957
3Harrisonburg$969
4Christiansburg$987
5Radford$997
6Salem$998
7Roanoke$999
8Winchester$1,001
9Lexington$1,001
10Williamsburg$1,008
11Vinton$1,034
12Charlottesville$1,043
13Bristol$1,077
14Lynchburg$1,084
15Wytheville$1,091
16Ashburn$1,091
17Leesburg$1,097
18Crozet$1,109
19Danville$1,109
20South Boston$1,127
21Marion$1,128
22Hillsville$1,130
23Martinsville$1,133
24Galax$1,133
25Fredericksburg$1,134
26Warrenton$1,135
27Petersburg$1,135
28Orange$1,141
29Smithfield$1,149
30Suffolk$1,150
31King George$1,157
32Hopewell$1,160
33Culpeper$1,172
34Reston$1,173
35Franklin$1,176
36Chesapeake$1,176
37Vienna$1,178
38Arlington$1,178
39Newport News$1,182
40Virginia Beach$1,189
41Herndon$1,189
42Manassas$1,193
43Farmville$1,194
44Centreville$1,208
45Burke$1,217
46Gate City$1,219
47Springfield$1,228
48Great Falls$1,233
49Fairfax$1,236
50Hampton$1,248
51Falls Church$1,259
52Portsmouth$1,266
53Alexandria$1,267
54Richlands$1,279
55Strasburg$1,284
56Norfolk$1,288
57Richmond$1,288

Best Car Insurance Companies in Virginia

To determine the best auto insurance companies in Virginia, we decided to look into how many customer complaints each company received relative to their competitors. We analyzed the number of complaints and the amount of business for the top 90% of insurers in the state to calculate a complaint index. The complaint index compares the ratio of a company’s complaints and premiums to the state’s total auto insurance complaints and premiums. In Virginia, Northern Neck, Virginia Farm Bureau, Farmers, and Erie Insurance ranked as the four best companies based on this metric. Below are the insurers in Virginia ranked by the lowest (best) to highest complaint index (an index number of 1 indicates the average company in VA):

Company

Total Premiums Underwritten# of ComplaintsComplaint Index
Northern Neck Insurance Company$14,690,27800.00
Virginia Farm Bureau102,147,11110.05
Farmers35,791,02230.42
Erie Insurance160,015,448150.46
Nationwide396,846,371400.50
Allstate427,588,268520.60
State Farm809,251,0361090.67
Progressive382,932,189530.69
USAA601,932,737880.72
MetLife19,909,95630.75
GEICO767,018,0541390.90
Travelers56,441,120121.05
Esurance32,772,16381.21
Liberty Mutual137,708,820361.29
Victoria Insurance28,935,53581.37
Donegal Insurance Group20,839,88861.43
Rockingham Group14,397,82051.72
Amica16,293,77861.82
Direct General15,799,20061.88
National General71,543,771322.21
Agency Insurance Company25,044,490152.97
Alfa79,050,893523.26
Hartford22,494,068214.62
Elephant Auto Insurance37,567,019455.93

Virginia Car Insurance Requirements

In Virginia, all drivers are required to carry a minimum amount of liability insurance, which coverage damage and injury to other people and their property you may be responsible for in the event of an accident. Below we've included the required minimum Virginia auto insurance limits:

  • Bodily Injury Liability Insurance: $25,000 per person and $50,000 per accident
  • Property Damage Liability Insurance: $20,000 per accident

Methodology

The car insurance quotes in Virginia that we gathered were for a 30-year-old single male driving a 2011 Toyota Camry. Our profile driver had excellent credit and a clean driving record. The sample policy was for a full coverage policy with liability insurance above the state minimums.

These sample premiums are for illustrative guide purposes only. Actual auto insurance rates will differ based on the policy limits, vehicle driven, place of residence, driving record, and other factors in the underwriting guidelines of the car insurance company.

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.