You can find the cheapest full-coverage car insurance in Virginia for $97 a month from Virginia Farm Bureau. It saves you $25 compared to the state average car insurance cost of $122 monthly.
Shopping for car insurance in Virginia can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as GEICO, Progressive and State Farm so you can see who offers the best deals.
“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.
- 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.
Car insurance companies with cheap car insurance in Virginia
Virginia Farm Bureau has the cheapest full coverage car insurance in Virginia, at an average premium of $97 per month or around $1,167 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Virginia. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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 Virginia companies for different coverage levels
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Virginia
Virginia requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 are the average annual rates from major insurance companies in Virginia, ranked from cheapest to the most expensive for the 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 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
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.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Virginia, drivers with a history of traffic violation pay an average of $537 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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 rates after an at-fault accident in Virginia
American Family is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,053.
State Farm is the second most affordable option, providing full-coverage car insurance with 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.
Check out the most affordable insurance options in your neighboring state
Which cities in Virginia have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
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
How much can you save on auto insurance in Virginia?
Shopping around for car insurance quotes in Virginia can help drivers save 20% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
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 |
Final thoughts on cheap car insurance in Virginia
Our research shows that Virginia Farm Bureau has the cheapest full coverage car insurance rates in Virginia for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Virginia, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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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