- Among the companies analyzed by CarInsurance.com, Virginia Farm Bureau stands out as the cheapest option for full coverage car insurance in Virginia, with an insurance premium of $97 per month.
- Drivers in Virginia with a clean record pay 33% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Virginia is Dayton, with an annual premium of $1,206.
- Virginia drivers can save up to 20% annually on their auto insurance policy by comparing price quotes from multiple carriers.
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 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.
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 car insurance companies in Virginia for full coverage
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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Virginia based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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.
Cheapest car insurance in Virginia after a DUI conviction
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.
Drivers with clean driving records can expect to pay an average of 33% less than those with a history of DUI.
| 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
Virginia cities with the lowest auto insurance rates
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.
Dayton is the city with the lowest premiums in Virginia at an annual auto insurance rate of $1,206.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Virginia cities with the lowest 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 |
Explore the top 10 factors that influence 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
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 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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