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?
RankCompany NameAvg. Annual Premium
1Travelers$666
2The Hartford$793
3Penn National$867
4Elephant$876
5Erie$953
6Virginia Farm Bureau$1,069
7Progressive$1,081
8USAA$1,128
9State Farm$1,149
10Nationwide$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$16315.40%
No Accidents$44533.21%
Good Credit$71544.44%

 

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.

AgeAnnual Rate with ParentsAnnual 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 FactorAnnual Rate% Increase
At-Fault Accident$1,33933.21%
DUI$1,27029.58%
Speeding Violation$1,05715.40%
Bad Credit$1,60944.44%

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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)

ChubbN/AN/ASuperior4.2 / 5
ElephantN/AN/AN/AN/A
ErieAbove averageAbove averageSuperior4.5 / 5
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
The HartfordExcellentAbove averageExcellentN/A
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5
Virginia Farm BureauN/AN/AExcellentN/A

Virginia auto insurance laws

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

Liability

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

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,53768%$620
Refused Breathalyzer/Chemical Test$1,50964%$591
DUI$1,50964%$591
Racing$1,37550%$457
Reckless Driving$1,22433%$306
Driving with a Suspended License$1,52066%$602
At-Fault Accident$1,31944%$402
Driving with an Open Container$1,17128%$253
Operating a Vehicle Without Permission$1,16227%$244
Passing a School Bus$1,21032%$292
Improper Passing$1,09119%$174
Following Too Closely$1,09119%$174
Speeding$1,09920%$182
Failure to Stop at a Red Light$1,09119%$174
Illegal Turn$1,09119%$174
Driving Wrong Way/Wrong Lane$1,09119%$174
Failure to Yield$1,09119%$174
Speeding in a School Zone$1,08518%$168
Driving Too Slowly$1,08518%$168
Distracted Driving$1,08218%$164
Driving with Expired Registration$1,04314%$125
Failure to Show Documents$9948%$76
Not-at-Fault Accident$9504%$33
Failure to Use Child Safety Restraint$9979%$79
Failure to Wear a Seat Belt$9706%$53
Driving Without Lights$9979%$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.

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

 

Recent Questions:

How many cars can I list under one insurance policy?

The maximum allowable number of drivers and vehicles that can be insured on any particular car insurance policy will vary by company. While there is no set standard, most insurance companies will allow their customers to insure up to 4 drivers and 4 vehicles on a single policy.
Nov 8, 2016 Virginia Beach, VA

Do I need new car insurance after separation with jointly titled vehicles?

Any vehicle that is parked and garaged at your address needs to be insured for that location. Car insurance companies use your address and zip code as a risk factor.
Jul 1, 2019 Roanoke, VA

Grace period to use newly added coverage?

It depends. Some companies will not pay a claim until the policy has been in effect for 30 days.
Jan 19, 2019 Franklin, VA

Are car insurance quotes free?

You should never have to pay for a car insurance quote. Since auto insurance is so specific to each person, it would be impossible for companies to advertise a set price to take out a policy.
Mar 27, 2017 Alexandria, VA

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent and one of The Zebra’s in-house content researchers and writers.

With a background in copywriting, she covers the ins and outs of auto, home, life and renters insurance, providing data-backed insights and information to help insurance shoppers make informed decisions. Kristine has contributed her insurance expertise to publications such as Automoblog, USInsuranceAgents.com and BestCompany.com. Her research has been cited by Car and Driver.

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.