Compare the best rates from 24 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.
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Virginia might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
|Rank||Company Name||Avg. Annual Premium|
|9||Virginia Farm Bureau||$818|
|15||National Grange Mutual||$1,082|
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Virginia drivers without a recent at-fault accident can save 33% on their car insurance premiums, on average — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ 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|
Liability coverage is legally required in Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Virginia, the minimum is listed as 25/50/20 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$20,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Uninsured/Underinsured Motorist coverage is legally required in Virginia and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Virginia, the minimum is listed as 25/50/20 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
$20,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured/underinsured driver.
These numbers reflect the minimum limits required in Virginia but higher coverage amounts are available with most companies.
If you happen to find yourself pulled over by a police officer in Virginia you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
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 Blacksburg, Virginia, and the most expensive in Burke, Virginia.
|Rank||City||Avg. Annual Premium|
The driver who’s car I hit won’t return my calls
What is my responsibility for having hit a park car when I am moving out of the country? I scraped ...
Should I file a claim after I’ve had 2 comp claims already?
I found a small damage area on my back fender that happened in the parking lot of our local shopping ...
If my husband backed into a parked car and put a tiny dent in a bumper that was already severely damaged, is he liable for the entire bumper?
|The other party has suggested he intends to file a claim. What should we do?|
Do I have to list my disabled spouse on my Virginia auto policy?
I’m recently married and, while my wife has a license, she hasn’t driven in several years due to disability (her ...
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
Most drivers in the U.S. seek their driver’s licenses at a young age. In teens’ minds, driving means freedom, so...
The interior temperature of a parked car sitting in the sun on a 78-degree day can reach 120 degrees in...
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...
Last month, The New York Times endorsed a widely ridiculed and mocked parenting trend: helicopter parenting. But before anxious parents...
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
When ridesharing first came on the scene, potential customers wondered if they’d be safe: the idea of getting in a...
The 2015-2016 El Niño has been dubbed “Godzilla El Niño” by weather experts—and with good reason. Just like the giant...
That texting and driving is dangerous isn’t news to anyone—the dangers of distracted driving are well documented, and texting is...
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
As we’ve detailed before, and as any driver already knows, car ownership is expensive. The annual cost to own and...
Sometimes you find gems in the strangest places: Yesterday’s post on Lyft and Uber launching carpool services lead to a...
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Virginia area, while also getting an insider view of the Old Dominion State.
So, Virginia students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.