Car Insurance in Virginia
- Virginia Farm Bureau offers the cheapest liability at $39/mo.
- Travelers has the cheapest full coverage at $98/mo.
Enter your ZIP code to start your search for Virginia car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Virginia at the right price.
About The Zebra's recommendations
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Car insurance quotes in Virginia
Car insurance in Virginia costs $976 for a six-month policy. That's 16% cheaper than the national average.[1]
Interestingly, while 43% of Virginians feel they are overpaying for car insurance, many are willing to pay more for high-quality coverage options and customer service or additional policy features.[2]
For Virginians looking for the "best value" insurer that offers both quality and affordability, we recommend Travelers, especially if you opt for full coverage.
Cheapest liability coverage in VA
- Virginia Farm Bureau offers the cheapest liability coverage at $39/mo.
Cheapest full coverage in VA
- Travelers offers the cheapest full coverage in Virginia at $98/mo.
Best customer service in VA*
- Erie Insurance scored 718 in J.D. Power's latest study — the highest in Virginia.[3]
Cheap liability insurance in Virginia
Liability-only insurance in Virginia will cost you $424 on average for a 6-month policy.[1] According to our data, Virginia Farm Bureau has the cheapest liability insurance in Virginia at $39 per month.
The following table shows monthly and 6-month liability insurance quotes from several popular insurers in Virginia.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Virginia Farm Bureau | $233 | $39 |
| Travelers | $248 | $41 |
| GEICO | $290 | $48 |
| USAA | $294 | $49 |
| Auto-Owners | $382 | $64 |
| Encompass | $424 | $71 |
| Erie | $441 | $73 |
| State Farm | $480 | $80 |
| Nationwide | $557 | $93 |
| Progressive | $560 | $93 |
| Allstate | $643 | $107 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 48% of Virginia drivers carry only the state-required liability coverage.[2] In Virginia, the law mandates minimum liability limits of 50/100/25. Learn more about car insurance requirements in the state of Virginia with our helpful guide.
If you’re in Virginia, a serious driving offense can dramatically change your insurance requirements. Drivers convicted of offenses like DUI may be required to file an FR-44, a special form that proves they carry significantly higher liability coverage, typically double the state minimums. Unlike a standard SR-22, this requirement makes insurance much more expensive and must be maintained continuously to keep your license valid.[4]
Renata Balasco, Insurance writer with 5+ years experience
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Virginia Farm Bureau | $233 | $596 |
| USAA | $294 | $720 |
| Travelers | $248 | $587 |
| State Farm | $480 | $967 |
| Progressive | $560 | $1,413 |
| Penn National | $355 | $861 |
| Nationwide | $557 | $848 |
| MetLife | $800 | $1,681 |
| Mercury | $398 | $1,258 |
| GEICO | $290 | $712 |
| Erie | $441 | $995 |
| Encompass | $424 | $967 |
| Cincinnati Insurance | $378 | $897 |
| Chubb | $313 | $706 |
| Auto-Owners | $382 | $864 |
| Allstate | $643 | $1,508 |
| ALFA | $197 | $596 |
Source: The Zebra
Cheapest full coverage insurance in Virginia
Virginians can expect to pay around $976 for a full coverage 6-month policy. Given it's many benefits, it's no surprise that 52% of The Zebra's Virginia customers receive quotes for full coverage insurance.[2]
If you live in Virginia, we recommend you first check out Travelers as our data shows they have the cheapest average rates for full coverage.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $587 | $98 |
| Virginia Farm Bureau | $596 | $99 |
| GEICO | $712 | $119 |
| USAA | $720 | $120 |
| Nationwide | $848 | $141 |
| Auto-Owners | $864 | $144 |
| Encompass | $967 | $161 |
| State Farm | $967 | $161 |
| Erie | $995 | $166 |
| Progressive | $1,413 | $236 |
| Allstate | $1,508 | $251 |
Source: The Zebra
Local insights
Drivers near you in Virginia weigh in
"Just left USAA after 20 years. Had to add my 18 yr old. 3 drivers with 1 car, went from $1400 a year to $6000. Switched to Allstate and paying about $2000 a year."
- Reddit user r/Virginia
"State Farm recently skyrocketed to 2200 per year for decent full coverage. This is even with two homes insured with the same company. 1600 per year, same coverage at Progressive with no stacking."
- Reddit user r/Richmond
Compare car insurance rates from the best companies in Virginia.
What are the best car insurance companies in Virginia?
We’ve named Erie Insurance as Virginia's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Car insurance in popular Virginia cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one.
Have a look at the table below to see average car insurance costs in some of Virginia biggest cities.
Source: The Zebra
Updating data...
Source: The Zebra
In-house experts, on your side
Riliey brings 10 years of insurance experience, starting her career at a commercial brokerage before moving into personal lines at State Farm, where …
Credentials
- Licensed Insurance Agent — Property and Casualty
- Licensed Insurance Agent — Life and Health
Johnny’s insurance experience began when he joined The Zebra in 2020 as a Customer Experience Agent, supporting the sales team by servicing policies …
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years experience in property & casualty insurance
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Virginia auto insurance quotes after an accident or ticket
It's no secret that a checkered driving record will make the cost of car insurance in Virginia go up. After all, companies use your driving record to calculate how risky you are to insure.
A bad driving record can quickly cause your rates to skyrocket. This table shows how much popular insurers charge Virginians after one at-fault accident. Because each insurer's pricing standards differ, the exact rate increase you receive may differ from what's shown below.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Virginia car insurance laws for high-risk drivers
Many of the previously discussed violations can have serious insurance-related consequences. Expand both tabs to learn more about Virginia laws and insurance implications for DUIs and SR22s/FR44s.
Or, see our guide to Virginia's car insurance requirements for more information.
Virginia DUI laws
Getting a DUI in Virginia can increase your rate by 99% yearly. A DUI is considered a serious violation, so it can be a challenge to find affordable auto insurance with a recent conviction on your driving record.
Low-cost car insurance after a DUI in Virginia
To ensure you're getting the fairest price after a DUI, it’s essential that you assess each of your insurance choices carefully. Car insurance premiums following a DUI can vary substantially by insurance company.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $793 | $132 |
| Virginia Farm Bureau | $796 | $133 |
| USAA | $1,192 | $199 |
| GEICO | $1,349 | $225 |
| Auto-Owners | $1,354 | $226 |
| State Farm | $1,598 | $266 |
| Erie | $1,660 | $277 |
| Nationwide | $1,661 | $277 |
| Progressive | $1,838 | $306 |
| Allstate | $1,979 | $330 |
| Encompass | $4,410 | $735 |
Source: The Zebra
There is no insurer in particular that offers inexpensive rates for drivers with DUIs. Your best bet to save after a DUI citation is to shop around with as many companies as possible.
Virginia SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Virginia to ensure that you remain insured.
Florida also has an FR-44 form, which is similar to an SR-22 except that it often requires much higher levels of liability coverage. Finding cheap auto insurance with an SR-22 in Virginia might require some research, but it could pay off in the end.
How to acquire an SR-22 in Virginia
For currently insured drivers
If you already have an active auto insurance policy, requesting an SR-22 or FR-44 is fairly straightforward. Contact your insurance company and request that the company file a SR-22 or FR-44 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 or FR-44 request for you and to cover your high-risk driving profile. Needing an SR-22 or FR-44 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22 or FR_44, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22 or FR-44. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Learn more about SR-22 certificate requirements and how they impact insurance premiums
Find an affordable policy in Virginia in minutes!
How have car insurance costs in Virginia changed?
Virginia’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Virginia |
|---|---|
| 2026 | $1,951 |
| 2025 | $1,976 |
| 2024 | $1,593 |
| 2023 | $1,351 |
| 2022 | $1,515 |
| 2021 | $1,067 |
| 2020 | $1,026 |
| 2019 | $1,003 |
| 2018 | $963 |
| 2017 | $913 |
| 2016 | $829 |
| 2015 | $956 |
Save money on your next car insurance policy!
Virginia car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Virginia auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 U.S. Auto Insurance Study. J.D. Power
RECENT QUESTIONS ABOUT CAR INSURANCE IN VIRGINIA
Does a vehicle need car insurance if its in storage in Virginia?
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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 editorial 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.
