The cheapest full coverage car insurance in Virginia is $97 , saving you $25 compared to the average cost of insurance in the state, which is around $122 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Virginia, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Virginia should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- According to recent data, Virginia Farm Bureau offers the cheapest full coverage car insurance in Virginia at $97 per month.
- Virginia drivers with a clean driving record pay 33% less for car insurance than drivers with a DUI.
- In Virginia, the city of Dayton has the most affordable car insurance rates at $1,206 annually.
- Comparing price quotes from multiple insurers can help you save up to 20% per year on your car insurance policy in Virginia.
Car insurance companies with cheap car insurance in Virginia
Virginia Farm Bureau offers the cheapest car insurance rates in Virginia for a full coverage policy with an average premium of $97 per month or around $1,167 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Virginia by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Virginia per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Virginia Farm Bureau | $97 |
| Travelers | $97 |
| Erie Insurance | $107 |
| Geico | $115 |
| Auto-Owners | $117 |
| State Farm | $123 |
| Allstate | $168 |
| Progressive | $177 |
| USAA* | $99 |
Note: USAA is only available to military community members and their families.
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Who pays a lower insurance premium in Virginia?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 12% less than single drivers.
- Virginia drivers with clean records pay 33% less than drivers who have a DUI on their record.
- Virginia drivers in their 20s pay 58% lower rates for insurance than a 16-year-old in Virginia.
- Adding a teen to your policy will cost you 62% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 25% less on their insurance premiums.
- Drivers insured for three or more years can save up to 26% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest insurers for different coverage levels in Virginia
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Virginia Farm Bureau is the cheapest for a state minimum policy.
- Virginia Farm Bureau has the cheapest rates for a liability-only policy (50/100/50).
- Virginia Farm Bureau offers the cheapest car insurance for a full coverage policy (100/300/100) in Virginia.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Virginia
In Virginia, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $30,000/$60,000 |
| Minimum property damage liability | $20,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists Virginia’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State Minimum Annual Rates |
|---|---|
| Virginia Farm Bureau | $319 |
| Erie Insurance | $331 |
| Travelers | $382 |
| Geico | $388 |
| State Farm | $390 |
| Auto-Owners | $410 |
| Progressive | $612 |
| Allstate | $676 |
| USAA* | $344 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Virginia
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Here are the average annual rates for liability insurance coverage from major carriers in Virginia, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Virginia Farm Bureau | $357 |
| Erie Insurance | $371 |
| Travelers | $419 |
| State Farm | $441 |
| Geico | $448 |
| Auto-Owners | $480 |
| Progressive | $656 |
| Allstate | $734 |
| USAA* | $390 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Virginia
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below shows the average annual rates from major insurance providers in Virginia, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Virginia Farm Bureau | $1,167 |
| Travelers | $1,169 |
| Erie Insurance | $1,288 |
| Geico | $1,382 |
| Auto-Owners | $1,405 |
| State Farm | $1,479 |
| Allstate | $2,021 |
| Progressive | $2,120 |
| USAA* | $1,192 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Virginia by driving history
Your driving history impacts insurance premiums in Virginia, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Virginia, drivers with a history of such violations typically pay $537 more annually than drivers with clean records.
Cheap car insurance in Virginia after a speeding ticket
If you have a speeding ticket on your Virginia driving record and you are looking for cheap car insurance, Nationwide offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,046 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| Nationwide | $813 | $1,046 | 29% | $233 |
| State Farm | $1,041 | $1,135 | 9% | $94 |
| Erie Insurance | $1,034 | $1,176 | 14% | $142 |
| Progressive | $939 | $1,264 | 35% | $325 |
| Travelers | $1,024 | $1,562 | 52% | $537 |
| Auto-Owners | $1,427 | $1,677 | 17% | $250 |
| American Family | $913 | $1,746 | 91% | $833 |
| Mercury Insurance | $1,368 | $1,861 | 36% | $493 |
| Geico | $1,021 | $1,874 | 83% | $853 |
| Allstate | $1,855 | $2,413 | 30% | $559 |
| Kemper Insurance | $2,468 | $3,242 | 31% | $773 |
| USAA* | $829 | $1,006 | 21% | $177 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Virginia
State Farm offers the cheapest car insurance to Virginia drivers with a DUI conviction at $1,135 per year and Progressive has the second-cheapest insurance premiums at $1,232 a year, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 33% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,041 | $1,135 | 9% | $94 |
| Progressive | $939 | $1,232 | 31% | $293 |
| Nationwide | $813 | $1,519 | 87% | $706 |
| Travelers | $1,024 | $1,631 | 59% | $607 |
| Mercury Insurance | $1,368 | $1,728 | 26% | $360 |
| Erie Insurance | $1,034 | $1,742 | 68% | $708 |
| Auto-Owners | $1,427 | $1,802 | 26% | $375 |
| American Family | $913 | $1,975 | 116% | $1,062 |
| Geico | $1,021 | $2,190 | 114% | $1,169 |
| Kemper Insurance | $2,468 | $2,588 | 5% | $120 |
| Allstate | $1,855 | $2,735 | 47% | $880 |
| USAA* | $829 | $1,555 | 87% | $726 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Virginia after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is American Family, at $1,053 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,229 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| American Family | $913 | $1,053 | 15% | $141 |
| State Farm | $1,041 | $1,229 | 18% | $187 |
| Nationwide | $813 | $1,247 | 53% | $434 |
| Erie Insurance | $1,034 | $1,458 | 41% | $424 |
| Progressive | $939 | $1,505 | 60% | $566 |
| Travelers | $1,024 | $1,507 | 47% | $482 |
| Geico | $1,021 | $1,682 | 65% | $661 |
| Mercury Insurance | $1,368 | $2,542 | 86% | $1,174 |
| Allstate | $1,855 | $3,325 | 79% | $1,471 |
| Kemper Insurance | $2,468 | $3,917 | 59% | $1,449 |
| USAA* | $829 | $1,245 | 50% | $416 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Virginia
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
The city with the lowest auto insurance rates in Virginia is Dayton, at $1,206 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Virginia with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Dayton | $1,206 |
| Blacksburg | $1,225 |
| Bridgewater | $1,228 |
| Harrisonburg | $1,230 |
| Mount Crawford | $1,232 |
| Hinton | $1,233 |
| Pleasant Valley | $1,235 |
| Penn Laird | $1,244 |
| Broadway | $1,245 |
| Port Republic | $1,252 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings on car insurance in Virginia
Shopping around for car insurance quotes in Virginia can help drivers save 20% annually on full coverage policies.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Virginia: Save on premiums
In Virginia, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Virginia below.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $19 |
| Anti-theft device | 1% | $16 |
| Daily commute | 8% | $131 |
| Days advanced purchase | 9% | $198 |
| Education | 6% | $105 |
| Electronic funds transfer | 3% | $70 |
| Electronic signature | 10% | $211 |
| Homeowner | 8% | $213 |
| Lower annual mileage | 5% | $83 |
| Loyalty – years renewal with company | 8% | $99 |
| Marital status | 12% | $261 |
| Multi policy | 8% | $147 |
| Paperless/electornic documents | 4% | $88 |
| Payment type | 10% | $190 |
| Primary use | 9% | $152 |
| Profession | 14% | $274 |
| Safety devices | 4% | $74 |
| Telematics | 10% | $147 |
| Years insured | 23% | $850 |
| Years licensed | 24% | $808 |
The bottom line on cheap car insurance in Virginia
Based on our findings, Virginia Farm Bureau provides the cheapest rates for a full coverage policy in Virginia if you have a good driving record.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Virginia is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Virginia for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 30/60/20.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz
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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Virginia