Cheap Virginia Car Insurance

Compare the best rates from 13 car insurance companies in Virginia.

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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.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Virginia?
RankCompany NameAvg. Annual Premium
1Travelers$666
2USAA$702
3Penn National$733
4Cincinnati Insurance$748
5Auto-Owners$773
6Utica National$773
7The Hartford$793
8Erie$796
9Virginia Farm Bureau$818
10Donegal Mutual$869
11Nationwide$944
12Allied$1,002
13ALFA$1,008
14GEICO$1,016
15National Grange Mutual$1,082
16State Farm$1,121
17Chubb$1,123
18Electric$1,204
19Progressive$1,234
20Amica$1,254
21Cal Casualty$1,264
22MetLife$1,319
23Safe Auto$1,327
24Mercury$1,356
25Encompass$1,444
26Victoria$1,494
27National General$1,527
28Allstate$1,574
29Safeco$2,328
30Liberty Mutual$2,455
31Dairyland$3,494

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Cheap Insurance for Good Drivers in Virginia

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$16315.40%
No Accidents$44533.21%
Good Credit$71544.44%

Cheap 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 Car 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%

What are the Best 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.

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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
ALFANot RatedExcellent
Allstate3Superior
Amica4Superior
ChubbNot RatedSuperior
Erie5Superior
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
State Farm3Superior
The Hartford4Excellent
Travelers3Superior
USAA5Superior
Virginia Farm BureauNot RatedGood

 

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What is the Best Auto Insurance Coverage in Virginia?

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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Virginia$385.46$791.67$906.11
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Virginia

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

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.

Virginia Car Insurance FAQs

Do you need to have car insurance in Virginia?

Yes. Virginia law requires you carry more than the state's minimum liability requirements: $25,000 per person and $50,000 per accident in bodily injury coverage and $20,000 in property damage coverage. Virginia also requires uninsured and underinsured motorist coverage at the same limits as its liability requirements.

Does Virginia accept electronic car insurance cards?

Yes. Virginia accepts digital auto insurance cards. 

Is Virginia a no-fault state for car insurance?

No. Virginia is a tort — or at-fault — state. You are responsible for any and all damage you cause in a collision.

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 Blacksburg, Virginia, and the most expensive in Burke, Virginia.

RankCityAvg. Annual Premium
1Burke$1,055
2Dale City$1,041
3Alexandria$1,030
4Norfolk$1,024
5Centreville$1,024
6Lake Ridge$1,022
7McLean$1,011
8Portsmouth$1,002
9Richmond$1,001
10Reston$983
11Hampton$973
12Arlington$968
13Virginia Beach$965
14Chesapeake$954
15Tuckahoe$948
16Newport News$943
17Suffolk$942
18Ashburn$926
19Danville$908
20Leesburg$905
21Charlottesville$900
22Lynchburg$864
23Roanoke$841
24Harrisonburg$791
25Blacksburg$787

Recent Virginia Car Insurance Questions and Answers

How much would my car insurance be to transfer to a new individual policy from my family’s insurance?

I have just moved to Massachusetts from Virginia and am needing a new policy for myself. I am the only ...

AUG 15, 2019
|
BOSTON, MA
How many cars can I have on my progressive policy?

What is the number of cars I can have on my policy?...

JUL 15, 2019
|
NORTH CHESTERFIELD, VA
If I get in an accident in a company car, can I use my personal insurance for claim?

The accident was my fault. Is it possible to use my personal auto policy to cover the damages?...

JUL 11, 2019
|
NEWPORT NEWS, VA
Do I need new car insurance after separation with jointly titled vehicles?

I’m nearing finalizing my divorce. Agent states I have to get a new auto policy because the cars are garaged ...

JUL 01, 2019
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ROANOKE, VA

Driving Laws

Virginia Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers
  2. Ban on all cell phones for drivers <18 years old
  3. Ban on text messaging for all drivers

Virginia DUI Laws

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:

  • At least $250 in fines
  • License revocation for one year

How Do Tickets Impact Virginia Auto Insurance Rates?

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 Tour Guide Scholarship

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 Virginia, while also getting an insider view of the Old Dominion State.

Prompt

So, 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.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

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.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

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