Best and Cheapest Car Insurance Quotes in Virginia (2024)

Erie has the best cheap car insurance in Virginia, at $91 per month for full coverage.

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Best cheap car insurance companies in Virginia

To determine the best cheap car insurance in VA, ValuePenguin's editorial team compared quotes from some of the largest auto insurance companies in the state across every ZIP code.

Quotes for minimum coverage meet Virginia's state minimum requirements: $30,000 in bodily injury liability coverage per person $60,000 per accident $20,000 in property damage coverage

Quotes for full coverage policies include collision and comprehensive coverage, plus higher liability limits than state minimums.

In addition, our experts rated the best insurance companies in VA based on affordability for different drivers, customer satisfaction, convenience and coverage availability.

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.

Cheapest car insurance companies in Virginia

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Cheapest Virginia full coverage car insurance

Company
Monthly rate
Erie logo
Erie$91
State Farm logo
State Farm$95
Farm Bureau logo
Farm Bureau$103
Geico logo
Geico$114
Travelers logo
Travelers$122
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*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. If your car is damaged in an accident that's your fault or in an event beyond your control (like hail or vandalism), a full coverage policy will help pay for repairs.

Cheapest liability insurance quotes in Virginia: Erie & Farm Bureau

Erie and 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, which is $22 per month less than the state average. Erie is less than a dollar per month cheaper.

The average cost of auto insurance in Virginia is $60 per month, or $715 per year, for a minimum liability policy.

Cheapest Virginia car insurance companies

Company
Monthly rate
Erie$38
Farm Bureau$38
State Farm$39
Geico$49
Travelers$51
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*USAA is only available to current and former military members and their families.


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Cheapest car insurance for young drivers in Virginia: Erie

Erie has the best cheap car insurance in Virginia for teen drivers.

A minimum coverage policy from Erie costs $84 per month for an 18-year-old driver, which is less than half the price of the state average. Erie also has the best full coverage rate, $213 per month, also about half the state average.

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
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The average cost of minimum coverage auto insurance for an 18-year-old in Virginia is $168 per month. 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, so they're more likely to benefit from the comprehensive and collision coverage included in a full coverage policy, which helps pay for damage to your own car.

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, which is $59 less per month than the state average.

Company
Monthly rate
State Farm$102
Erie$103
Travelers$122
Farm Bureau$131
Geico$145
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Drivers in Virginia can expect car insurance quotes to increase 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. It costs $110 per month for a full coverage policy, which is 47% cheaper than the state average of $209 per month.

Company
Monthly rate
State Farm$110
Erie$129
Farm Bureau$131
Travelers$172
Geico$198
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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.

Company
Ticket
Accident
Erie$104$117
Farm Bureau$136$119
Travelers$137$193
State Farm$141$155
Geico$142$195
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Young Virginia drivers who have been caught speeding 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.

Company
Monthly rate
State Farm$102
Farm Bureau$139
Erie$155
Progressive$185
Travelers$186
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After a DUI citation, average quotes for Virginia drivers increase by 64%. You may also be required to get SR-22 or FR-44 insurance, which 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.

Company
Monthly rate
Geico$172
Farm Bureau$184
Erie$209
Travelers$218
Progressive$233
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Drivers with bad credit are more likely to file a claim than those with good credit, and insurance companies usually charge more to account for this risk. Poor credit says nothing about your ability to drive. On average, quotes for Virginia drivers with poor credit are 83% higher than quotes for drivers with good credit.


Best car insurance companies in Virginia

USAA has the best car insurance in Virginia, with an excellent rating from our editors and a high J.D. Power customer service score.

However, USAA is only available to military members, veterans and their families. Virginia drivers should also consider State Farm and Erie — both companies are highly rated for their customer service.

Best VA car insurance

Company
Editor's rating
J.D. Power
AM Best
USAA
881A++
Erie
871A+
State Farm
842A++
Farm Bureau
NRA
Geico
835A++
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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 mean a shorter claims process and lower out-of-pocket expenses.

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 suburb of Washington, D.C., has the most expensive rate 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%
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Virginia auto insurance requirements

Virginia does not require drivers to carry car insurance.

Instead, you can pay a $500 fee to the Department of Motor Vehicles (DMV), known as the Uninsured Motor Vehicle Fee. Paying this fee allows you to drive legally on Virginia roads for 12 months without any insurance. However, it doesn't offer any protection if you're in an accident. That means you'll have to pay any costs out of pocket if you cause a crash.

If you do buy insurance, your policy must meet a set of minimum liability requirements.

Minimum car insurance requirement in VA

Coverage
Limit
Bodily injury liability$30,000 per person and $60,000 per accident
Property damage liability$20,000 per accident

It's a good idea for all Virginia drivers to get at least the minimum amount of liability insurance.

And most drivers should strongly consider adding higher liability limits and collision and comprehensive insurance as well.


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 our pick for the best car insurance in Virginia based on high ratings from our 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?

The average cost of car insurance in Virginia is $60 per month, or $715 per year, for minimum coverage. Full coverage costs $133 per month, or $1,598 per year, on average.

Does Virginia require car insurance?

Virginia does not require car insurance. However, drivers who choose not to get insurance have to pay the DMV $500 per year to register a car and will be financially responsible for any damage that they cause in an accident.

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.

How much does car insurance cost in Richmond, Va.?

Drivers in Richmond pay an average of $146 per month for full coverage car insurance, which is 10% more expensive than the state average.


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 full coverage 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 publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.

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.