Car Insurance for Good Drivers in Virginia

The Zebra
July 15, 2019

Car insurance for low-risk drivers in Virginia

Many of the factors contributing to car insurance rates are out of your control: your age, location, and gender are typical rating factors over which you don’t have much say. There are, however, factors you can more easily alter in pursuit of low premiums.

If you’re seeking more affordable insurance, consider keeping your driving record squeaky clean, your credit score solid, and your monthly driving mileage low. Auto insurance companies provide premium price cuts to drivers who present little risk, so low-risk driving behaviors can lead to a price cut.

See below example rates from top companies for low-risk customers in Virginia.

Car insurance for citation-free drivers in Virginia

One way to reduce your auto insurance rates is to steer clear of legal issues. Car insurance companies view safe drivers as less risky customers, in turn charging them lower premiums. Staying on the right side of the law is a great way to cut your insurance costs.

If you're citation-free, start your insurance comparison journey with Virginia Farm Bureau, which offers an average annual insurance rate of $764. That totals $311less than the average car insurance rate for drivers without driving violations in Virginia.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Virginia Farm Bureau$764
Erie$784
USAA$793
Utica National Ins Group$848
Penn National$945
State Farm$1,047
Progressive$1,048
GEICO$1,138

Auto insurance rates for drivers with high credit scores in Virginia

Car insurance companies reward drivers who have above-average credit. If your credit score sits in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If your credit score is “good,” your best auto insurance option in Virginia could be Virginia Farm Bureau, offering an average annual rate of $764. If your credit score is in the “excellent” range, Virginia Farm Bureau could be the best option. Virginia Farm Bureau's premiums for clients with "excellent" credit average are $164 per year cheaper than average rates for drivers with excellent credit in Virginia.

Find below a breakdown of auto insurance rates in Virginia for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Virginia Farm Bureau$764
Erie$784
USAA$793
Utica National Ins Group$848
Penn National$945
State Farm$1,047
Progressive$1,048
GEICO$1,138

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Virginia Farm Bureau$711
Erie$722
USAA$726
Utica National Ins Group$848
Penn National$857
Progressive$918
State Farm$934
Nationwide$1,113

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Virginia Farm Bureau$662
USAA$667
Erie$706
Penn National$778
Progressive$787
State Farm$834
Utica National Ins Group$848
Electric$1,011

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Car insurance for low-mileage drivers in Virginia

The more infrequently you drive, the less likely you are to be involved in a collision or file a claim. At least that's what car insurance companies think. If you drive less than 7,500 miles per year, you could receive a car insurance price cut. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're a Virginia resident who doesn't rack up major mileage, consider Erie, offering average annual savings of $417 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN VIRGINIA
Insurance CompanyAvg. Annual Auto Insurance Rate
Erie$658
USAA$685
Virginia Farm Bureau$764
Utica National Ins Group$848
State Farm$945
Penn National$945
Progressive$1,048
GEICO$1,074

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Good driver insurance rates in Virginia — by city

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Insurance companies price policies by the driver’s home ZIP code, adjusting premiums for the risk presented by specific locations.

Find below a summary of car insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Arlington$1,170$1,170$1,088$1,000$1,087
Chesapeake$1,200$1,200$1,115$1,027$1,130
Virginia Beach$1,205$1,205$1,121$1,033$1,143
Richmond$1,252$1,252$1,165$1,073$1,188
Norfolk$1,339$1,339$1,246$1,148$1,274

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