The Best and Cheapest Car Insurance in Virginia

Find the Cheapest Auto Insurance Quotes in Your Area

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ValuePenguin analyzed Virginia car insurance premiums to give the state's drivers an idea of the most affordable auto insurance rates in the state. We studied premiums by company, city and policy type, and found the overall average car insurance rate in the state to be $1,498 per year.

However, insurance prices can vary greatly by company and by city, so we recommend that you compare quotes to ensure you get your best price. Type your ZIP code above to start shopping quotes from the top auto insurance companies in your area, or read on to use our analysis as a guide for finding the best Virginia auto insurance company for you.

Cheapest auto insurance companies in Virginia

For our sample driver, the best car insurance rates in Virginia can be found with:

  • Virginia Farm Bureau
  • GEICO
  • Erie Insurance

These three companies offered the most affordable auto premiums, with an average cost of $1,014 per year — 32% less than the Virginia average. However, shoppers should note that Virginia Farm Bureau requires a $40 annual membership fee. For those who qualify, USAA is also one of the cheapest insurance options available.

This graph shows which companies in Virginia have the best car insurance rates for our sample driver, and compares them to the state average.
This graph shows which companies in Virginia have the best car insurance rates for our sample driver, and compares them to the state average.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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Our study shows that shoppers can find affordable rates with both small regional insurers — such as the Virginia Farm Bureau — and major national insurers, like GEICO. However, some of the biggest insurers in the country tended to be the most expensive in Virginia, such as Travelers and Allstate.

Below, we rank average annual auto insurance rates by affordability for the insurers included in our analysis.

RankCompanyAverage annual rate
1Virginia Farm Bureau$870
2GEICO$1,040
3Erie$1,131
4State Farm$1,152
5Progressive$1,315
6Nationwide$1,833
7Allstate$2,547
8Travelers$2,692
N/A*USAA$899
Though USAA is the second most affordable insurer in Virginia on average, it is excluded from the rankings as only current and former military members and their families can buy a policy.

Cheapest full coverage auto insurance: Virginia Farm Bureau

In Virginia and elsewhere, a full coverage car insurance policy is one that includes comprehensive and collision insurance, which are not required by Virginia state law. If you live in Virginia and desire this additional protection, the Virginia Farm Bureau offers the cheapest rates on average.

  • Virginia Farm Bureau full coverage policies cost $870 per year, or $73 per month, for our sample driver.
  • GEICO was the second cheapest widely available insurer. Per year, GEICO was only $170 more expensive for our sample driver. For another driver, it's possible that GEICO will be even cheaper, so Virginians looking for cheap full coverage should get a quote.
  • USAA costs $899 per year for our sample driver, which would rank second among our insurers. If you live in Virginia and are a veteran or military member, USAA is another affordable option.

Comprehensive and collision insurance protect you against the costs of repairing your car for accidents that are your fault, accidents in which another at-fault driver is uninsured and even against weather events and other off-road perils. If your car still has appreciable value, you should consider buying a full coverage policy.

Cheapest minimum liability auto insurance: Virginia Farm Bureau

If you're looking for the cheapest liability car insurance policy that fulfills Virginia's state requirements, Virginia Farm Bureau will still be your most affordable option. But given the $40 annual membership fee charged by the Farm Bureau, its rates for our sample driver are practically equivalent to its closest rivals, so drivers should also shop around with Erie and GEICO.

  • Virginia Farm Bureau charged our sample driver $351 for a minimum coverage policy. Total costs will be nearly $400 including the annual membership fee.
  • Erie Insurance only cost our driver $403 per year for the minimum policy. Virginians should take advantage and take a quote: Erie is only available in 12 states and Washington D.C.
  • GEICO offers reasonably affordable minimum coverage policies too, at an average price of $438 per year.

Because a minimum coverage policy has the lowest amount of liability insurance allowed by state law and no comprehensive and collision insurance, it's much cheaper than a full coverage policy.

But the low liability limits mean you could be at risk for paying for the cost of an accident out of pocket if you're at fault in a crash. And the lack of comprehensive and collision insurance means you'll have to pay for repairs to your car yourself unless another driver is at fault.

Cheapest auto insurance after an at-fault accident: Virginia Farm Bureau

If you've been at fault for a car accident, an insurance company will likely consider you a higher-risk driver than it otherwise would. As a result, most companies will charge you higher rates.

In Virginia, we once again found that the Farm Bureau charged our sample driver the least for car insurance after an accident. In fact, the insurer charged our driver equivalent rates before and after the accident, which had hypothetically caused $2,000 in property damage.

RankCompanyRates after accidentRates before accidentDifference
1Virginia Farm Bureau$870$870$0
2State Farm$1,365$1,152$214
3Erie$1,450$1,131$318
4GEICO$1,533$1,040$493
5Nationwide$1,833$1,833$0
6Progressive$2,036$1,315$721
7Travelers$3,334$2,692$642
8Allstate$4,384$2,547$1,837
N/A*USAA$1,278$899$378
USAA is not included in affordability rankings due to the fact that it is only available to military members, veterans and their families.

Virginia drivers should also look to State Farm and Erie, which had relatively cheap rates after an at-fault accident. Allstate, on the other hand, charged our sample driver a tidy sum: his rates went up by almost $2,000.

Best auto insurance companies in Virginia

We recommend that all Virginia drivers look for car insurance savings, but the best car insurance companies will combine reasonable rates with a strong customer service experience. We've used two measures to establish the insurance customer experience: customer complaint rates and our national survey of customers of auto insurance companies.

  • Measured by the low rate of customer complaints, the best insurance companies in Virginia are Virginia Farm Bureau and Liberty Mutual (via its subsidiary Montgomery Mutual Insurance).
  • Measured by our national survey, which does not include all major Virginia insurance companies, customers are most happy with USAA and Allstate.

Best car insurance companies in Virginia, by rate of consumer complaints

One way to determine the best auto insurance companies in Virginia for customer service is to look into how many customer complaints each company received relative to its size.

We analyzed the complaint index, a measure of the rate of complaints, for the top 10 insurance groups in the state. Virginia Farm Bureau and Montgomery Mutual, a subsidiary of Liberty Mutual, rank as the best insurers in the state by this metric. The Farm Bureau's combination of low rates and strong customer service make it an excellent first option for insurance-shopping drivers.

Below, we list the 10 biggest car insurance companies in Virginia, ranked by their complaint index.

RankCompanyMarket shareComplaint index
1Liberty Mutual (Montgomery Mutual)2.470
1Virginia Farm Bureau2.120
3Travelers2.260.09
4Nationwide6.480.36
5Progressive10.170.43
6State Farm14.20.57
7GEICO17.050.62
8Allstate8.350.64
9Erie Insurance4.470.79
10USAA11.70.84

A lower complaint index indicates an insurer gets fewer complaints relative to the amount of policies it writes, with a national median of 1.0. Given that Virginia's top insurance companies have complaint rates below the median, Virginians appears generally satisfied with their customer service experience.

Best car insurance companies based on our national consumer survey

ValuePenguin commissioned a consumer survey on some of the biggest insurance companies in the country, indicating customers are most happy with USAA and Allstate based on overall satisfaction and the share of respondents who saw customer service as excellent.

RankCompany% of customers extremely satisfied% of customers who received excellent customer service
1USAA68%62%
2Allstate64%47%
3State Farm59%46%
4GEICO56%42%
5Progressive51%34%
Our survey was limited to a selection of top national insurers and excluded local Virginia insurers.

Although Allstate ranks as one of the more expensive insurance companies in Virginia, customers seeking a great customer service experience should look into getting a quote here, as its high rates have better value given its service reputation.

Virginia car insurance requirements

In Virginia, all drivers are required to carry a minimum amount of liability insurance. If you're responsible for an accident, this insurance covers the costs of damage and injury to other people and their property, up to the policy limits. 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
  • Uninsured/underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
  • Uninsured/underinsured motorist property damage: $20,000 per accident

Liability coverage protects you against the cost of property damage or bodily injury if you're at fault for an accident. Uninsured and underinsured motorist coverage protects you if another driver is at fault for an accident and either doesn't have insurance or has too little to cover the damage.

If you can afford it, we recommend drivers purchase higher liability limits than the minimum required in Virginia. Bodily injury costs in a major accident could exceed the $50,000 per accident limit, in which case an at-fault driver would have to pay for costs exceeding the limit out of pocket.

Virginia drivers with valuable cars should also consider comprehensive and collision insurance, part of a full coverage policy, which protects damage to your own car from on and off-road events.

Cheapest auto insurance in Virginia, by city

Our study reveals that insurance prices in Virginia can vary widely depending on where you live; another reason to always shop for your cheapest auto quote. In Virginia's 50 most populous cities, Virginia Farm Bureau and USAA tended to be the cheapest providers available, on average. GEICO was also relatively cheap for our sample driver: It ranked in the top three for affordability in 34 of the 50 cities.

Consult the table below to see which companies offer the best rates in your city.

CityCompanyAnnual premium
AbingdonUSAA$796
Virginia Farm Bureau$888
State Farm$977
AlexandriaVirginia Farm Bureau$970
USAA$995
GEICO$1,055
AshlandVirginia Farm Bureau$903
USAA$908
GEICO$1,023
BedfordVirginia Farm Bureau$807
USAA$832
GEICO$983
Big Stone GapUSAA$790
Virginia Farm Bureau$852
State Farm$1,025
BlacksburgVirginia Farm Bureau$732
USAA$759
GEICO$846
BluefieldUSAA$780
Virginia Farm Bureau$903
Erie$1,086
BridgewaterVirginia Farm Bureau$724
USAA$785
State Farm$899
BristolUSAA$796
Virginia Farm Bureau$843
State Farm$942
Buena VistaVirginia Farm Bureau$735
USAA$791
Erie$938
CharlottesvilleUSAA$908
Virginia Farm Bureau$962
GEICO$1,023
ChesapeakeVirginia Farm Bureau$852
USAA$966
GEICO$1,041
ChristiansburgVirginia Farm Bureau$732
USAA$814
GEICO$846
CovingtonVirginia Farm Bureau$665
USAA$809
Erie$938
CulpeperUSAA$926
Virginia Farm Bureau$959
GEICO$1,121
DanvilleUSAA$889
Virginia Farm Bureau$902
GEICO$1,065
DumfriesVirginia Farm Bureau$784
USAA$1,024
GEICO$1,247
EmporiaVirginia Farm Bureau$921
USAA$937
GEICO$1,036
FairfaxVirginia Farm Bureau$893
USAA$959
GEICO$1,078
Falls ChurchUSAA$904
Virginia Farm Bureau$970
GEICO$1,013
FarmvilleVirginia Farm Bureau$835
USAA$911
GEICO$1,059
FredericksburgVirginia Farm Bureau$839
USAA$986
GEICO$1,073
Front RoyalVirginia Farm Bureau$772
USAA$903
Erie$938
GalaxVirginia Farm Bureau$761
USAA$814
State Farm$945
HamptonVirginia Farm Bureau$888
USAA$1,002
GEICO$1,082
HarrisonburgVirginia Farm Bureau$748
USAA$787
State Farm$920
HopewellVirginia Farm Bureau$882
USAA$917
GEICO$1,116
LeesburgVirginia Farm Bureau$843
USAA$870
GEICO$965
LurayVirginia Farm Bureau$792
USAA$798
Erie$938
LynchburgVirginia Farm Bureau$830
USAA$911
Erie$1,004
Newport NewsVirginia Farm Bureau$909
USAA$967
GEICO$1,082
NorfolkVirginia Farm Bureau$866
USAA$1,078
GEICO$1,177
OrangeUSAA$926
Virginia Farm Bureau$959
GEICO$1,108
PetersburgVirginia Farm Bureau$901
USAA$990
GEICO$1,101
PoquosonVirginia Farm Bureau$826
USAA$885
GEICO$932
PortsmouthVirginia Farm Bureau$936
USAA$1,067
GEICO$1,155
PulaskiUSAA$793
Virginia Farm Bureau$861
GEICO$1,006
PurcellvilleVirginia Farm Bureau$843
USAA$903
GEICO$965
RadfordVirginia Farm Bureau$721
USAA$771
GEICO$846
RichmondVirginia Farm Bureau$951
USAA$957
GEICO$1,200
RoanokeVirginia Farm Bureau$735
USAA$815
GEICO$969
SalemVirginia Farm Bureau$762
USAA$821
State Farm$960
StrasburgVirginia Farm Bureau$648
USAA$785
State Farm$930
SuffolkVirginia Farm Bureau$947
USAA$974
GEICO$1,043
VintonVirginia Farm Bureau$800
USAA$832
GEICO$969
Virginia BeachVirginia Farm Bureau$865
USAA$960
GEICO$1,117
WarrentonVirginia Farm Bureau$915
USAA$997
GEICO$1,121
WilliamsburgUSAA$858
Virginia Farm Bureau$895
GEICO$932
WinchesterVirginia Farm Bureau$717
USAA$878
Erie$938
WoodstockVirginia Farm Bureau$648
USAA$790
State Farm$915

To provide Virginia drivers with a deeper dive, we analyzed rates in the five largest cities in the state by population:

  • Virginia Beach
  • Norfolk
  • Chesapeake
  • Richmond
  • Newport News

Virginia Farm Bureau is the cheapest insurer for our sample driver in each city, but drivers should shop around as their rates may differ. And although insurance rates in more populous areas tend to be higher, prices in Chesapeake and Newport News are right around Virginia averages.

Read on to see insurance rates in each city and how they differ from the state average.

Auto insurance in Virginia Beach, VA

  • Average annual cost = $1,558 (Ninth most expensive out of 50 cities)
  • 4% more expensive than the Virginia average

As one of the 10 most expensive cities in the state, Virginia Beach is reasonably expensive for drivers. But drivers can still find affordable rates with Virginia Farm Bureau ($865 per year), USAA ($960) or GEICO ($1,117).

Auto insurance in Norfolk, VA

  • Average annual cost = $1,633 (Sixth most expensive out of 50 cities)
  • 9% more expensive than the Virginia average

Norfolk is even more expensive than Virginia Beach, with our sample driver charged an average premium of $1,633 per year. Travelers is particularly expensive in Norfolk, with an annual rate of $3,041. That's over $2,000 more expensive than Virginia Farm Bureau.

Auto insurance in Chesapeake, VA

  • Average annual cost = $1,526 (Thirteenth most expensive out of 50 cities)
  • 2% more expensive than the Virginia average

Despite its population, Chesapeake has reasonable auto insurance rates for Virginia. With rates only 2% above the state average, residents aren't being charged excessively for an urban area.

Auto insurance in Richmond, VA

  • Average annual cost = $1,637 (Fifth most expensive out of 50 cities)
  • 9% more expensive than the Virginia average

Of the five most populous cities in Virginia, Richmond is the most expensive for car insurance. Virginia Farm Bureau remains reasonably affordable, with average rates of $951 per year on average. And those who qualify for USAA should definitely get a quote, as it prices at a similar $957 per year.

Auto insurance in Newport News, VA

  • Average annual cost = $1,500 (Twentieth most expensive out of 50 cities)
  • Rates similar to the Virginia average

Newport News is the cheapest big city on our list, with average rates only slightly above the state average of $1,498 per year. As in other large cities, GEICO, USAA and Virginia Farm Bureau are great options.

Average cost of car insurance in Virginia: By city

The average cost of car insurance in Virginia is $1,498 per year, based on quotes we collected for our sample driver. But rates change a great deal depending on your location. Below, we rank the top 50 cities in Virginia by overall average insurance rates, with the cheapest ranking first.

  • Blacksburg is the cheapest city for car insurance in Virginia, with an average annual premium of $1,271.
  • Fairfax is the most expensive city for car insurance in the state; average annual rates are $1,692.
RankCityAverage annual car insurance premiums
1Blacksburg$1,271
2Buena Vista$1,276
3Harrisonburg$1,280
4Woodstock$1,280
5Christiansburg$1,283
6Bridgewater$1,295
7Strasburg$1,300
8Salem$1,321
9Covington$1,326
10Radford$1,332
11Winchester$1,336
12Luray$1,337
13Galax$1,341
14Abingdon$1,356
15Roanoke$1,366
16Vinton$1,368
17Lynchburg$1,371
18Williamsburg$1,383
19Bristol$1,387
20Pulaski$1,390
21Big Stone Gap$1,399
22Front Royal$1,410
23Bedford$1,424
24Poquoson$1,454
25Danville$1,470
26Leesburg$1,476
27Charlottesville$1,477
28Petersburg$1,488
29Hopewell$1,493
30Ashland$1,494
31Newport News$1,500
32Farmville$1,506
33Bluefield$1,511
34Emporia$1,511
35Suffolk$1,522
36Fredericksburg$1,523
37Orange$1,524
38Chesapeake$1,526
39Culpeper$1,528
40Purcellville$1,531
41Hampton$1,554
42Virginia Beach$1,558
43Portsmouth$1,584
44Warrenton$1,612
45Norfolk$1,633
46Richmond$1,637
47Dumfries$1,652
48Falls Church$1,654
49Alexandria$1,684
50Fairfax$1,692

Methodology

We drew quotes from almost one thousand cities in Virginia for this analysis. When obtaining a quote, we used the profile of a 30-year-old male driving a 2015 Honda Civic EX. Unless noted otherwise in the piece, the driver has a below average credit record and was quoted for a full coverage policy with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person / $100,000 per accident
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 the policy meeting only Virginia's minimum liability and uninsured coverage requirements, our sample driver bought a policy with those specific limits.

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.

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