- Cheapest car insurance in Virginia for a bad driving record
- How much is high-risk car insurance in Virginia?
- Cheapest car insurance in Virginia with a DUI
- Cheapest car insurance in Virginia with multiple tickets
- Cheapest car insurance in Virginia with a reckless driving conviction
- Cheapest car insurance in Virginia with bad credit
- Cheapest car insurance after an accident in Virginia
- Cheapest car insurance in Virginia by city
- How to reduce car insurance rates in Virginia for a bad driving record
- Virginia car insurance laws for high-risk drivers
Cheapest car insurance in Virginia for a bad driving record
If you have a poor driving record in Virginia, Travelers, Erie Insurance, State Farm are the cheapest options. Travelers has the lowest annual rate at $1,845.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Travelers | $1,169 | $1,845 |
| Erie Insurance | $1,288 | $1,929 |
| State Farm | $1,479 | $2,274 |
| Geico | $1,382 | $2,635 |
| Allstate | $2,021 | $2,850 |
| Auto-Owners | $1,405 | $2,865 |
| Progressive | $2,120 | $2,931 |
| USAA | $1,192 | $1,749 |
How much is high-risk car insurance in Virginia?
A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $2,388 in Virginia, you can find rates as low as $1,845 from Travelers.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| State Farm | $1,479 | $1,719 |
| Travelers | $1,169 | $1,728 |
| Erie Insurance | $1,288 | $1,777 |
| USAA | $1,192 | $1,793 |
| Geico | $1,382 | $2,294 |
| Progressive | $2,120 | $3,294 |
| Allstate | $2,021 | $4,132 |
Cheapest car insurance in Virginia with a DUI
While many insurers offer coverage after a DUI, State Farm has the lowest rate at $1,590.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. a DUI in Virginia.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,479 | $1,590 |
| Travelers | $1,169 | $1,838 |
| Erie Insurance | $1,288 | $2,104 |
| Auto-Owners | $1,405 | $2,279 |
| Progressive | $2,120 | $2,695 |
| Allstate | $2,021 | $2,986 |
| Geico | $1,382 | $3,000 |
| USAA | $1,192 | $2,260 |
Cheapest car insurance in Virginia with multiple tickets
The cheapest insurer for drivers with multiple tickets is Erie Insurance, with rates averaging $1,450 or $121.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Virginia drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| Erie Insurance | $1,288 | $1,450 |
| State Farm | $1,479 | $1,590 |
| Travelers | $1,169 | $1,769 |
| Auto-Owners | $1,405 | $2,279 |
| Geico | $1,382 | $2,563 |
| Allstate | $2,021 | $2,628 |
| Progressive | $2,120 | $2,804 |
| USAA | $1,192 | $1,449 |
Cheapest car insurance in Virginia with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,590.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,479 | $1,590 |
| Travelers | $1,169 | $1,838 |
| Erie Insurance | $1,288 | $2,104 |
| Auto-Owners | $1,405 | $2,279 |
| Allstate | $2,021 | $2,986 |
| Geico | $1,382 | $3,000 |
| Progressive | $2,120 | $3,032 |
| USAA | $1,192 | $1,591 |
Cheapest car insurance in Virginia with bad credit
The cheapest Virginia insurer for bad credit is Travelers, with rates averaging $2,088 or $174. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a 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., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects Virginia car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Travelers | $1,169 | $2,088 |
| Geico | $1,382 | $2,119 |
| Erie Insurance | $1,288 | $3,018 |
| Allstate | $2,021 | $3,246 |
| Progressive | $2,120 | $3,447 |
| Auto-Owners | $1,405 | $5,214 |
| State Farm | $1,479 | $5,690 |
| USAA | $1,192 | $2,299 |
Cheapest car insurance after an accident in Virginia
Travelers has the lowest average rates after an accident at $1,714. State Farm also offers affordable rates, averaging $1,719.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| Travelers | $1,169 | $1,714 | $2,953 |
| State Farm | $1,479 | $1,719 | $1,719 |
| Erie Insurance | $1,288 | $1,777 | $2,541 |
| Geico | $1,382 | $2,294 | $3,494 |
| Progressive | $2,120 | $3,294 | $5,099 |
| Allstate | $2,021 | $4,132 | $6,289 |
| USAA | $1,192 | $1,793 | $3,093 |
Cheapest car insurance in Virginia by city
Staunton has the cheapest car insurance rates in Virginia at $2,035. But the most expensive city is Alexandria with rates of $2,600.
Your location in Virginia also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Staunton | $1,271 | $2,035 |
| Winchester | $1,326 | $2,133 |
| Covington | $1,344 | $2,144 |
| Galax | $1,349 | $2,154 |
| Bristol | $1,350 | $2,180 |
| Lynchburg | $1,368 | $2,206 |
| Williamsburg | $1,364 | $2,209 |
| Ashburn | $1,428 | $2,324 |
| Virginia Beach | $1,457 | $2,377 |
| Arlington | $1,515 | $2,478 |
| Norfolk | $1,607 | $2,595 |
| Alexandria | $1,586 | $2,600 |
How to reduce car insurance rates in Virginia for a bad driving record
Finding affordable car insurance in Virginia is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren’t added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
Virginia car insurance laws for high-risk drivers
If you're a high-risk driver in Virginia, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn’t a type of insurance; it’s just a form. You don’t need special coverage, but your rates might be higher because you’re considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Helpful auto insurance tools and calculators
You might also be interested in- Traffic ticket calculator in Virginia
- SR-22 insurance in Virginia
- Non-owner car insurance in Virginia: Best and cheapest companies
- Virginia gap insurance: Everything you need to know
- Low-income car insurance in Virginia: What you need to know
- Virginia car insurance guide
- Cheapest home and auto insurance bundle in Virginia
- Best cheap car insurance in Virginia for 2024
- Best condo insurance in Virginia for 2024
- Best and cheapest renters insurance in Virginia
