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.
- 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.
Which company offers the cheapest car insurance rates 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 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.
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Who pays the lowest auto insurance premiums in Virginia?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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
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 insurance providers for liability-only coverage in Virginia
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
In the table below, see the average annual rates from Virginia’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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 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 following table lists the average annual rates of major insurance companies in Virginia from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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 car insurance in Virginia by driving history
In Virginia, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
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 rates 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.
Cheapest car insurance in Virginia after a DUI conviction
Virginia drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,135 a year, followed by Progressive with an annual premium of $1,232 annually, 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 companies in Virginia after an at-fault accident
If you’re a driver with an at-fault accident on your record, American Family is the cheapest option, offering car insurance at an average cost of $1,053 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost 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
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.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
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 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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
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
Managing Editor
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