- 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.
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.
Which company offers the cheapest car insurance rates in Virginia?
Based on data analysis by CarInsurance.com, Virginia Farm Bureau provides the cheapest full coverage auto insurance rates for Virginia drivers at a monthly rate of $97 or $1,167 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Virginia.
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.
Who pays a lower insurance premium in Virginia?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 12% less than single drivers.
- Virginia drivers with clean records pay 33% less than drivers who have a DUI on their records.
- 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
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
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 state minimum coverage in Virginia
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Virginia, you must have at least the following insurance coverage on your car.
| 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
Below, you’ll see average annual rates for major insurance providers in Virginia, ranked from cheapest to most expensive for state minimum coverage.
| 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.
Below, you’ll see average annual rates for major insurance providers in Virginia, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
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
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Cheapest car insurance in Virginia, by driving history
Your driving history affects how much you pay for insurance in Virginia because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $537 more annually in Virginia than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Virginia
If you’ve got a speeding ticket on your Virginia driving record and need affordable car insurance, Nationwide might be the answer. With an average annual rate of $1,046, Nationwide offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Virginia.
| 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
CarInsurance.com analyzed insurance rates for Virginia drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,135. Progressive is the second-cheapest insurer at an average of $1,232 per year.
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 companies 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.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Virginia
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Virginia, Dayton stands out as the city with the lowest auto insurance rates, at an average of $1,206 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Virginia with the most affordable car 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 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Virginia
If you compare car insurance quotes, you could enjoy an annual saving of around 20% on a full coverage policy in Virginia.
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
Car insurance discounts in Virginia can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Virginia.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 research, if you are a good driver, Virginia Farm Bureau is the cheapest in Virginia for a full coverage policy.
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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