Cheap Virginia Car Insurance

Find affordable auto insurance that works for you in Virginia. Compare quotes from over 100 top companies.

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Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Virginia

Across the Old Dominion State, there are 160,097 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.


 

Affordable insurance companies in Virginia

What's the cheapest car insurance in Virginia?
Rank Company Name Avg. Annual Premium
1 Travelers $666
2 The Hartford $793
3 Penn National $867
4 Elephant $876
5 Erie $953
6 Virginia Farm Bureau $1,069
7 Progressive $1,081
8 USAA $1,128
9 State Farm $1,149
10 Nationwide $1,310

Find the best cheap coverage in Virginia by comparing quotes from dozens of companies. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Virginia

Drivers with sparkling clean driving records typically enjoy lower car insurance rates than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Virginia drivers without a recent at-fault accident can save 33% on their car insurance premiums, on average — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $163 15.40%
No Accidents $445 33.21%
Good Credit $715 44.44%

 

Cheap auto insurance for young drivers in Virginia

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Virginia, the average teen driver pays $3,747 — approximately $1,200 less than the national teen driver average, but more than three times as much as an older driver in Virginia.

Age Annual Rate with Parents Annual Rate Alone
16 $4,513 $4,185
17 $4,352 $3,606
18 $4,219 $3,157
19 $3,685 $2,266

 

Cheap auto insurance for bad drivers in Virginia

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 29% after a DUI, 33% after an at-fault accident, and 15% after a speeding ticket in Virginia. The post-citation penalties assessed by car insurance companies after speeding tickets and at-fault accidents in Virginia align with nationwide averages, but drivers receive lower-than-average rate hikes after DUI violations. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,339 33.21%
DUI $1,270 29.58%
Speeding Violation $1,057 15.40%
Bad Credit $1,609 44.44%

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Top rated car insurance companies in Virginia

Every auto insurance company advertises its low rates. But as with any product, the cheapest car insurance policy isn't always the best option. Considering the financial stakes, it's worth doing the due diligence to find a policy that protects your car completely in the event of a collision. Hunt for a great value, instead of settling for the cheapest car insurance in your state.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Chubb N/A N/A Superior 4.2 / 5
Elephant N/A N/A N/A N/A
Erie Excellent Above average Superior 4.5 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
The Hartford Excellent Above average Excellent N/A
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5
Virginia Farm Bureau N/A N/A Excellent N/A

Virginia auto insurance laws

In Virginia, the state minimum coverage requirements are as follows:

Liability*

  • Bodily Injury $30,000 per person
  • Bodily Injury $60,000 per accident
  • Property Damage $20,000 per accident

*This applies to policies that go into effect from 1/1/22 to 12/31/24.

Uninsured/Underinsured Motorist

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $20,000 per accident

Optional coverage in Virginia (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Income Loss

If you opt for the minimum required coverage in Virginia, prepare to pay an average of $385 annually. This is more affordable than the U.S. average by 41%. If you opt for better coverage, you can select a policy with comprehensive and collision coverage, protecting against costs incurred by car collisions, theft and vandalism, or weather incidents. It's worth noting that better coverage has a price: in Virginia, a comprehensive policy with a $1,000 deductible costs $792, 105% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 135% more than you would for a basic liability-only policy.

Find out more about Virginia's auto insurance regulations.

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How tickets change insurance rates in Virginia

If you receive a ticket or citation, your auto insurance premiums will probably get more expensive. How much your rates rise depends on the violation's severity, your insurer's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at car insurance costs in Virginia after some common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $1,537 68% $620
Refused Breathalyzer/Chemical Test $1,509 64% $591
DUI $1,509 64% $591
Racing $1,375 50% $457
Reckless Driving $1,224 33% $306
Driving with a Suspended License $1,520 66% $602
At-Fault Accident $1,319 44% $402
Driving with an Open Container $1,171 28% $253
Operating a Vehicle Without Permission $1,162 27% $244
Passing a School Bus $1,210 32% $292
Improper Passing $1,091 19% $174
Following Too Closely $1,091 19% $174
Speeding $1,099 20% $182
Failure to Stop at a Red Light $1,091 19% $174
Illegal Turn $1,091 19% $174
Driving Wrong Way/Wrong Lane $1,091 19% $174
Failure to Yield $1,091 19% $174
Speeding in a School Zone $1,085 18% $168
Driving Too Slowly $1,085 18% $168
Distracted Driving $1,082 18% $164
Driving with Expired Registration $1,043 14% $125
Failure to Show Documents $994 8% $76
Not-at-Fault Accident $950 4% $33
Failure to Use Child Safety Restraint $997 9% $79
Failure to Wear a Seat Belt $970 6% $53
Driving Without Lights $997 9% $79

 

Virginia car insurance FAQs

Who has the cheapest car insurance in Virginia?

Our data shows Travelers ($333) and The Hartford ($396) provide drivers in Virginia the cheapest rates. Bear in mind, these rates are an average premium and might not be the cheapest premium for you. Use our comparison tool to see side-by-side rates in Virginia based on your driving profile.

How much does car insurance cost insurance in Virginia?

If you're interested in a full coverage policy, average rates in Virginia are $453 for a six-month policy. For liability-only, you can find much cheaper rates. Average premiums for a six-month policy is $192.

Can you drive in Virginia without insurance?

Virginia gives you two options for car insurance: buy a policy or pay a $500 motorist fee. This fee does not abstain you from any damage you cause in an accident.

How much does car insurance cost in Virginia cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Harrisonburg, Virginia, and the most expensive in Burke, Virginia.

Rank City Avg. Annual Premium
1 Burke $1,163
2 Alexandria $1,133
3 Norfolk $1,116
4 Richmond $1,075
5 Hampton $1,049
6 Virginia Beach $1,041
7 Chesapeake $1,040
8 Newport News $1,025
9 Roanoke $902
10 Harrisonburg $839

 

Recent Questions:

I sold my car what do I do with my insurance?

You are not required by law to get insurance if you do not own any vehicles. What your agent is doing is protecting you from a lapse in coverage.
Apr 22, 2018 Madison Heights, VA

How many cars can I have on my progressive policy?

Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Jul 14, 2019 North Chesterfield, VA

Does a vehicle need car insurance if its in storage in Virginia?

In Virginia, if a vehicle is not registered, parked on private property, and not being driven then it does not have to be insured. Virginia law requires that a vehicle be insured before it is registered, so that's something to keep in mind if he wanted to drive this particular car at a later time.
Aug 31, 2016 Dumfries, VA

Will my bad credit affect my fiancé's car insurance?

If you set up the policy in his name before you are married, your score will not impact the rates. Once you are married, it may impact your rates, but not as much if you keep the policy in your finance's name once you are married.
Oct 20, 2019 Dumfries, VA

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.