- Average cost of car insurance in Virginia
- Best car insurance in Virginia: Erie Insurance
- Cheapest car insurance in Virginia: Travelers
- Virginia car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Virginia
- Cheapest car insurance cost in Virginia by age
- Cheapest car insurance companies in Virginia by driver profile
- Compare auto insurance rates by city in Virginia
- Car insurance premium trends in Virginia
- Methodology
- Compare Virginia car insurance rates with other states
Average cost of car insurance in Virginia
The average car insurance rate in Virginia is $1,837 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Virginia is $528.
Best car insurance in Virginia: Erie Insurance
Erie Insurance is the best car insurance company in Virginia that’s open to all residents, based on our data analysis, with an overall rating of 4.47.
Below is a full list of the top Virginia insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Erie Insurance | A+ | 713 | 0.89 | $1,288 | 4.47 |
| Travelers | A++ | 628 | 0.52 | $1,169 | 4.28 |
| GEICO | A++ | 647 | 0.69 | $1,382 | 4.07 |
| State Farm | A++ | 652 | 0.79 | $1,479 | 3.93 |
| Progressive | A+ | 624 | 0.71 | $2,120 | 3 |
| Allstate | A+ | 624 | 1.1 | $2,021 | 2.77 |
| USAA | A++ | 743 | 1.18 | $1,192 | 4.47 |
Cheapest car insurance in Virginia: Travelers
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Virginia and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Travelers is the cheapest auto insurance company in Virginia, with average rates of $1,213 annually for full coverage.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $386 | $391 | $1,213 |
| Virginia Farm Bureau | $330 | $338 | $1,216 |
| GEICO | $457 | $469 | $1,581 |
| Erie Insurance | $424 | $430 | $1,736 |
| Auto-Owners | $537 | $548 | $1,979 |
| Allstate | $767 | $773 | $2,490 |
| Progressive | $749 | $755 | $2,525 |
| State Farm | $729 | $755 | $2,529 |
| Farmers | NA | NA | $5,319 |
| USAA | $374 | $385 | $1,181 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Virginia
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Lincolnia | $849 | $71 |
| North Springfield | $848 | $71 |
| Bailey's Crossroads | $847 | $71 |
| Springfield | $844 | $70 |
| Annandale | $842 | $70 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Rockbridge Baths | $494 | $41 |
| Independence | $494 | $41 |
| Hot Springs | $495 | $41 |
| Mount Jackson | $496 | $41 |
| Quicksburg | $497 | $41 |
The Virginia State Corporation Commission says...
The more you have to protect, the more insurance you need. If you own a home and are regularly employed at a good wage, you probably should buy more insurance than the minimum coverage required by law.
- The Virginia State Corporation CommissionVirginia car insurance requirements
As of July 1, 2024, you need car insurance with minimum coverage levels of 30/60/10 in Virginia, which costs $528 each year or $44 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Virginia:
- Bodily injury liability (BI): $30,000 per person, $60,000 per accident
- Property damage liability (PD): $20,000 per accident
- Uninsured/underinsured motorist bodily injury coverage: $30,000 per person, $60,000 per accident
On January 1, 2025, Virginia's minimum car insurance requirements will increase to 50/100/25. Make sure you are prepared for this increase.
Cheapest car insurance companies for minimum liability coverage in Virginia
According to Insurance.com, Virginia Farm Bureau has the cheapest state minimum liability coverage, at $338 per year or $28 each month.
Here are the most affordable car insurance companies for state minimum coverage in Virginia.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Virginia Farm Bureau | $338 | $28 |
| Travelers | $391 | $33 |
| Erie Insurance | $430 | $36 |
| GEICO | $469 | $39 |
| Auto-Owners | $548 | $46 |
| Progressive | $755 | $63 |
| State Farm | $755 | $63 |
| Allstate | $773 | $64 |
| USAA | $385 | $32 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Virginia by age
In Virginia, car insurance rates are higher for teenagers due to their lack of driving experience.
Virginia Farm Bureau offers the cheapest car insurance for a 16-year-old driver in Virginia at $2,761 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Virginia, Virginia Farm Bureau offers the cheapest car insurance for a 25-year-old driver at $1,341per year. Travelers offers the cheapest car insurance for a 65-year-old driver at $1,122 per year. USAA offers cheaper rates but is available only to military veterans and their families.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Virginia Farm Bureau | $2,761 | $230 |
| Erie Insurance | $5,283 | $440 |
| USAA | $5,523 | $460 |
| GEICO | $5,601 | $467 |
| Travelers | $5,754 | $480 |
| Auto-Owners | $5,887 | $491 |
| Allstate | $8,037 | $670 |
| State Farm | $8,741 | $728 |
| Progressive | $17,270 | $1,439 |
| Farmers | $27,707 | $2,309 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Virginia by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for insurance.
However, the severity and frequency of the incidents also affect insurance rates. For instance, drivers with a single minor accident will see rate increases lower than those with multiple major accidents.
Below are average Virginia rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Travelers | $1,213 | $1,778 | $1,836 |
| Erie Insurance | $1,736 | $2,395 | $1,954 |
| State Farm | $2,529 | $2,940 | $2,720 |
| GEICO | $1,581 | $2,624 | $2,933 |
| Auto-Owners | $1,979 | $0 | $3,208 |
| Allstate | $2,490 | $5,091 | $3,238 |
| Progressive | $2,525 | $3,923 | $3,340 |
| Farmers | $5,319 | $8,845 | $6,505 |
| USAA | $1,181 | $1,776 | $1,435 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Virginia
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Virginia will impact what you pay. Below, we've gathered Virginia car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Virginia Beach | $1,457 |
Car insurance premium trends in Virginia
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Virginia to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Virginia car insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in- Virginia car insurance laws and requirements: What is changing in 2025
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- Speeding ticket calculator in Virginia
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- Non-owner car insurance in Virginia: Best and cheapest companies
- Virginia gap insurance: Everything you need to know
- Low-income car insurance in Virginia
- Virginia car insurance guide
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- Cheapest car insurance for high-risk drivers in Virginia
