The Best and Cheapest Car Insurance Quotes in Virginia (2022)

The Best and Cheapest Car Insurance Quotes in Virginia (2022)

Geico has the best cheap car insurance quotes in Virginia at $327 per year and $27 per month for minimum liability coverage.

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Average car insurance quotes in Virginia range from $555 per year for minimum liability to $1,350 for full coverage. The average cost of car insurance in Virginia is 31% cheaper than the national average of $1,956 per year for full coverage, making Virginia one of the cheapest states for car insurance.

Cheapest car insurance quotes in Virginia: Geico

Geico has the best minimum car insurance coverage rates for Virginia drivers. It costs $327 per year to insure your car with Geico, which is $228 less than the state average.

The average cost of car insurance in Virginia is $555 per year, or $46 per month, for minimum liability.

Cheapest car insurance companies in Virginia

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Company
Annual rate
Monthly rate
Geico$327$27
Farm Bureau$365$30
State Farm$475$40
Erie$502$42
Nationwide$605$50
Travelers$733$61
Allstate$773$64
Progressive$830$69
USAA*$383$32

*USAA is only available to current and former military members and their families.

Minimum liability insurance has the lowest amount of coverage you can purchase, which also makes it the cheapest form of auto insurance. Cheap rates might make minimum coverage policies seem like the best choice, but in Virginia, they only cover injuries to another driver and damage to their property. That means that you might wind up paying more in the long run if you're in an accident.

That's why we recommend purchasing a full coverage auto insurance policy rather than a minimum coverage policy.

Cheapest full coverage car insurance in Virginia: State Farm

State Farm provides the best full coverage car insurance rates in Virginia. At just $912 per year, or $76 per month, a policy from State Farm is 32% cheaper than the state average of $1,350.

Company
Annual rate
Monthly rate
State Farm$912$76
Farm Bureau$914$76
Geico$938$78
Erie$1,053$88
Progressive$1,446$120
Nationwide$1,509$126
Travelers$1,746$146
Allstate$2,716$226
USAA*$918$76

*USAA is only available to current and former military members and their families.

Full coverage auto insurance quotes include collision and comprehensive coverages along with liability insurance. This means that if your car is damaged in an accident that's your fault or an event beyond your control (like hail or vandalism), your insurance company will pay for repairs.

Cheap car insurance for drivers with prior incidents

The cost of car insurance in Virginia is typically higher for drivers who have a poor credit score or incidents on their driving record, such as a speeding ticket, accident or DUI. Insurers see these incidents as signs you are a high-risk driver, resulting in higher rates.

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Cheapest car insurance quotes after a speeding ticket: Geico

Virginia drivers with a recent speeding ticket can find the best rates with Geico. The average annual premium for a full coverage policy from Geico is $938 — $638 cheaper than the state average.

Company
Annual rate
Monthly rate
Geico$938$78
Farm Bureau$986$82
State Farm$995$83
Erie$1,198$100
Travelers$1,746$146
Progressive$1,822$152
Nationwide$1,898$158
Allstate$3,482$290
USAA*$1,116$93

*USAA is only available to current and former military members and their families.

Drivers can expect car insurance quotes to increase by 17% after a speeding ticket. However, not all insurers raise premiums by the same amount. Virginia drivers insured by Geico and Travelers don't see an increase in price after a single speeding ticket. The most expensive insurer, Allstate, raises rates by 28%.

Such significant differences show why it's important to shop around to get your best rates, especially if your driving record has changed.

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Cheapest car insurance after an accident: Farm Bureau

Farm Bureau has the cheapest auto insurance for Virginia drivers with an at-fault accident on their record. It costs $914 for a full coverage policy— 53% cheaper than the state average of $1,955. In fact, the company charges the same rate before and after the accident.

In Virginia, auto insurance premiums increase by 45% after an accident, on average.

Company
Annual rate
Monthly rate
Farm Bureau$914$76
State Farm$1,079$90
Geico$1,379$115
Erie$1,502$125
Progressive$2,136$178
Travelers$2,262$188
Nationwide$2,318$193
Allstate$4,682$390
USAA*$1,321$110

*USAA is only available to current and former military members and their families.

Cheapest DUI car insurance quotes: Farm Bureau

Drivers with a DUI in Virginia can find the cheapest rates from Farm Bureau, where a full coverage policy costs $1,130 per year. That's 50% more affordable than the average price for drivers with a DUI. After a DUI citation, average quotes for Virginia drivers increase by 68%.

Company
Annual rate
Monthly rate
Farm Bureau$1,130$94
Progressive$1,802$150
Erie$1,806$150
Geico$2,311$193
State Farm$2,362$197
Travelers$2,450$204
Nationwide$2,931$244
Allstate$3,944$329
USAA*$1,730$144

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with poor credit: Geico

Geico offers the best rates for Virginia drivers with a low credit score. At $1,103 for a full coverage policy, the company charges $839 less than the Virginia state average.

Company
Annual rate
Monthly rate
Geico$1,103$92
Farm Bureau$1,319$110
State Farm$1,645$137
Nationwide$1,899$158
Erie$2,035$170
Progressive$2,173$181
Travelers$2,727$227
Allstate$3,134$261
USAA*$1,441$120

*USAA is only available to current and former military members and their families.

Drivers with poor credit are more likely to file a claim than those with average credit, and insurers usually raise rates to account for this risk. On average, rates for Virginia drivers with poor credit are 44% higher than rates for drivers with average credit.

Cheapest car insurance quotes for married drivers: Farm Bureau

Farm Bureau offers married drivers the best rate for full coverage insurance at $866 per year — 5% cheaper than the rate for their unmarried counterparts.

In Virginia, average annual quotes for full coverage are 9% cheaper for married drivers than for unmarried drivers. This is because, statistically, married drivers cause fewer accidents than unmarried drivers.

Company
Annual rate
Monthly rate
Farm Bureau$866$72
State Farm$912$76
Erie$962$80
Geico$984$82
Progressive$1,204$100
Nationwide$1,419$118
Travelers$1,759$147
Allstate$2,078$173
USAA*$825$69

*USAA is only available to current and former military members and their families.

Married drivers may be able to save even more by adding multiple drivers and multiple cars to the same car insurance policy — savings that aren't reflected in these rates.

Cheapest car insurance for young drivers in Virginia: Geico

Young drivers on a budget should consider Geico for their car insurance needs. The average annual premium for minimum coverage insurance for an 18-year-old is $1,072, which is 38% cheaper than the state average. Erie has the best full coverage rate at $2,685 per year — 37% below average.

Young Virginia drivers pay triple what 30-year-old drivers pay. The average cost of minimum coverage auto insurance for an 18-year-old in Virginia is $1,736 per year, or $145 per month.

However, active-duty military members, veterans and their families can take advantage of even cheaper rates from USAA. It offers young Virginia drivers a minimum coverage rate that is 43% cheaper than average and a full coverage rate that is nearly half the state's average cost.

Company
Liability only
Full coverage
Geico$1,072$3,070
Erie$1,224$2,685
State Farm$1,445$2,834
Farm Bureau$1,519$4,060
Allstate$1,677$6,657
Travelers$1,872$4,406
Nationwide$2,283$5,429
Progressive$3,545$6,612
USAA*$991$2,303

*USAA is only available to current and former military members and their families.

A full coverage policy for young drivers in Virginia costs $2,493 more per year than a minimum coverage policy. Although that's a significant increase, young drivers should consider purchasing a full coverage policy if at all possible. Though minimum liability policies are far more affordable, young drivers are more likely to be involved in an accident, which could be more expensive in the long run.

The best way for teen drivers to keep their rates low is to join their parents' policy.

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Cheapest car insurance for teen drivers after a ticket: Geico

The best quotes for young Virginia drivers with a recent speeding ticket come from Geico. A minimum coverage policy costs $1,072, which is $851 cheaper than the state average.

Company
Annual rate
Monthly rate
Geico$1,072$89
Erie$1,543$129
State Farm$1,604$134
Farm Bureau$1,667$139
Travelers$1,872$156
Allstate$2,181$182
Nationwide$2,424$202
Progressive$3,811$318
USAA$1,127$94

*USAA is only available to current and former military members and their families.

Young Virginia drivers who have been caught speeding will pay about 11% more than young drivers with a clean record.

Cheapest quotes for young drivers after an accident: Geico

If you're a young Virginia driver with an accident on your record, you can find the most affordable rates from Geico. The company charges 18-year-old drivers who have been in an at-fault accident $1,186 per year for minimum coverage — 45% cheaper than the state average.

Company
Annual rate
Monthly rate
Geico$1,186$99
Farm Bureau$1,519$127
Erie$1,710$142
State Farm$1,763$147
Nationwide$2,489$207
Travelers$2,507$209
Allstate$3,085$257
Progressive$3,999$333
USAA*$1,183$99

*USAA is only available to current and former military members and their families.

Best car insurance companies in Virginia

Among Virginia insurers, Erie is our top recommendation, with an excellent rating from our editors and a high J.D. Power customer service score.

Choosing a dependable insurer is as important as finding the lowest rate. Virginia drivers should also consider State Farm, Farm Bureau and USAA — all three companies earned 4.5 out of 5 stars from our editors.

Company
Editor's rating
J.D. Power
AM Best
Erie
856A+
State Farm
852A++
Farm Bureau
NRA
Geico
835A++
State Farm
852A++
Travelers
836A++
Nationwide
823A+
Progressive
834A+
Allstate
830A+
USAA
896A++

USAA is only available to current and former military members and their families.

All of the companies we analyzed received a financial strength rating of A or better from AM Best, indicating an "Excellent" or "Superior" ability to pay out claims.

Our editor's rating is determined by analyzing the policy coverages each company offers, its customer satisfaction scores and its rates in relation to its competitors.

J.D. Power commissions an annual survey for car insurance customers regarding how satisfied they are with a company's claims service — a perfect score is 1,000.

Average car insurance cost in Virginia by city

Drivers in Merrimac pay the cheapest rate in Virginia at $1,139 per year, while those in Lincolnia have the most expensive rate in the state at $1,580 per year.

The cost of full coverage auto insurance varies significantly in Virginia depending on where you live in the state. There is a $441 per year difference between the most and least expensive cities.

City
Average annual cost
Percentage difference from average
Abingdon$1,215-10%
Accomac$1,333-1%
Achilles$1,283-5%
Adwolf$1,250-7%
Afton$1,342-1%
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Virginia auto insurance requirements

Virginia does not require drivers to carry car insurance. Instead, you can pay a $600 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.

If you do purchase insurance, your policy must meet the following minimum liability requirements:

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

We strongly urge all Virginia drivers to purchase at least the minimum amount of liability insurance, and we recommend adding higher liability limits and collision and comprehensive insurance as well.

Recap of the cheapest car insurance in Virginia

  • Minimum coverage: Geico
  • Full coverage: State Farm
  • After a speeding ticket: Geico
  • After an at-fault accident: Farm Bureau
  • After a DUI: Farm Bureau
  • Poor credit history: Geico
  • Married drivers: Farm Bureau
  • Young drivers: Geico
  • Young drivers after a ticket: Geico
  • Young drivers after an accident: Geico

Frequently asked questions

Which company has the cheapest car insurance in Virginia?

Geico has the best price for a minimum coverage policy for most Virginians, with an average cost of $327 per year or $27 per month, which is 41% cheaper than the state average.

Who has the cheapest full coverage insurance in Virginia?

State Farm has the best full coverage insurance rates in Virginia at $912 per year or $76 per month.

Does Virginia require car insurance?

Virginia does not require car insurance. However, drivers who choose not to purchase 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 at-fault accident.

What is the average car insurance cost in Virginia?

The average price for car insurance in Virginia is $46 per month, or $555 per year, for minimum coverage. The average cost for full coverage is $113 per month, or $1,350 per year.

Is auto insurance expensive in Virginia?

Virginia is not one of the most expensive states for car insurance, with an average annual rate of $555 per year for liability only. We found there are 31 states that have a higher average rate for a minimum coverage policy. However, auto insurance rates in Virginia increased by 2.15% from last year. This is more than double the nationwide average increase of 0.64%.

What is the best car insurance in Virginia?

Erie is our pick for the best insurer in Virginia based on high ratings from our editors, J.D. Power and AM Best. State Farm, Farm Bureau and USAA are also good options to consider when comparing car insurance quotes.

How much does car insurance cost in Richmond, VA?

Drivers in Richmond pay an average of $1,457 per year for full coverage car insurance, which is 8% more expensive than the state average.

Methodology

We collected thousands of rates from ZIP codes across Virginia for the largest insurers in the state. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full coverage policy with the following limits:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Property damage liability$25,000 per accident
Medical payments coverage$10,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For our minimum coverage policy, we received quotes for a policy with the minimum required limits in Virginia. Quotes for young drivers are based on Virginia minimum auto insurance coverage as well.

For other rates analyses (credit score, prior incidents and marital status), the base policy listed above was altered to reflect the new driver.

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.