Cheap Virginia Car Insurance

Compare the best rates from 24 car insurance companies in Virginia.

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

It's cheap to get car insurance in Virginia!

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

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 $163 15.40%
No Accidents $445 33.21%
Good Credit $715 44.44%

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.

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 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 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%
Car Insurance Laws

State minimum insurance requirements in Virginia

In Virginia, the state minimum coverage requirements are as follows:
Liability
Uninsured/Underinsured Motorist
Optional coverage in Virginia (varies by carrier):

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.

Top Virginia Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Virginia.

Car Insurance FAQs

Are digital insurance cards accepted in Virginia?

Yes

What does this mean for you?

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.

Do I need uninsured motorist coverage in Virginia?

Uninsured Drivers in Virginia
Virginia

10%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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.

Rank City Avg. Annual Premium
1 Burke $1,047
2 Alexandria $1,026
3 Lake Ridge $1,022
4 Dale City $1,018
5 Centreville $1,017
6 McLean $1,005
7 Richmond $995
8 Arlington $993
9 Norfolk $980
10 Reston $973
11 Portsmouth $953
12 Hampton $953
13 Tuckahoe $948
14 Newport News $939
15 Danville $931
16 Virginia Beach $929
17 Suffolk $919
18 Chesapeake $917
19 Leesburg $913
20 Ashburn $911
21 Charlottesville $904
22 Lynchburg $860
23 Roanoke $815
24 Harrisonburg $792
25 Blacksburg $783

Recent Virginia Car Insurance Questions and Answers

The driver who’s car I hit won’t return my calls

Jun 08, 2018

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?

Jan 31, 2018

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?

Aug 26, 2017
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?

Aug 14, 2017

I’m recently married and, while my wife has a license, she hasn’t driven in several years due to disability (her ...

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
Alcohol Related Fatalities

211

Per Year in Virginia
Annual DUI Arrests
Virginia
27,732
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

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.

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

Prompt

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.

Please Note:

  • The length of the road trip to your feature destination 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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.