Compare the best rates from 49 car insurance companies 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.
Find the best cheap coverage in Virginia by comparing quotes from dozens of companies. Enter your ZIP code below to get started.
Drivers with good driving records typically enjoy lower car insurance costs 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%|
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|
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|
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.
Compare popular auto insurance companies' financial stability and claims satisfaction ratings to better understand the quality of service they will provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Superior" to "Poor" — determines an insurer's financial strength and ability to meet its policy and contractual obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Elephant||Not Rated||Not Rated|
|Virginia Farm Bureau||Not Rated||Good|
The minimum insurance requirement in Virginia is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $20,000 Property Damage per accident.
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.
Analyze average premiums for basic, good, and great coverage tiers below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Virginia, the state minimum coverage requirements are as follows:
Starting in 2021, the state has outlawed the use of a mobile device while driving. Previously, Virginia's texting and driving laws only impacted school bus drivers and those under the age of 18. Current law stipulates that drivers can no longer even hold a cell phone while behind the wheel. Those found guilty of this infraction can expect fines in the following amounts:
Virginia has a 10-year lookback period for most offenses, though subsequent offenses committed within five years may lead to harsher penalties. Penalties are also enhanced for high or extremely high BAC levels or for committing a DUI offense while transporting a passenger who is 17 years old or younger. All DUI offenders must report to an Alcohol Safety Action Program for screening and review. There may be a required attendance in classes or treatment before license reinstatement.
First-time DUI offenses in Virginia lead to:
If you receive a ticket or citation, your auto insurance premiums will probably get more expensive. How much your rates rise depends on the violation's severity, your insurer's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at car insurance costs in Virginia after some common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$1,537||68%||$620|
|Refused Breathalyzer/Chemical Test||$1,509||64%||$591|
|Driving with a Suspended License||$1,520||66%||$602|
|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|
|Following Too Closely||$1,091||19%||$174|
|Failure to Stop at a Red Light||$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|
|Driving with Expired Registration||$1,043||14%||$125|
|Failure to Show Documents||$994||8%||$76|
|Failure to Use Child Safety Restraint||$997||9%||$79|
|Failure to Wear a Seat Belt||$970||6%||$53|
|Driving Without Lights||$997||9%||$79|
Our data show 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.
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.
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.
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|