Cheapest car insurance for high-risk drivers in Virginia

Which company has the cheapest car insurance in Virginia for a bad driving record?

Travelers, Erie Insurance and State Farm offer some of the cheapest rates for drivers with poor driving records in Virginia. Among them, Travelers has the lowest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,845 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

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

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How much is high-risk car insurance in Virginia?

The average cost of high-risk car insurance in Virginia is $2,388 annually. However, some insurers offer rates far below the state average, with premiums starting around $1,845 per year.

Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.

Average annual car insurance rate for At-fault bodily injury accident in Virginia, VA is $2,428

Show Graph View

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

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Average annual rate

People ask

Who is considered a high-risk driver in Virginia?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in Virginia after a DUI?

State Farm has the cheapest average DUI insurance rates in Virginia at $1,590 annually.

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

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What is the cheapest car insurance in Virginia with multiple tickets?

Erie Insurance is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,450 a year or $121 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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

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Expert's Insight Two minor tickets can sometimes cost you more on your insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Virginia?

State Farm provides the cheapest average reckless driving insurance rates in Virginia at $1,590 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with 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

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Virginia?

The cheapest Virginia insurer for bad credit is Travelers, with rates averaging $2,088 per year or $174 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing 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 statistics show that drivers with lower credit scores are in this category.

Check 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

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What company has the cheapest car insurance in Virginia after an accident?

Travelers has the cheapest average rates after an accident at $1,714 per year. State Farm also offers lower-than-average rates at $1,719 annually.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Virginia?

Staunton has the cheapest average high-risk car insurance rates in Virginia at $2,035 per year. In comparison, drivers in Alexandria pay the highest average rates at $2,600 annually.

Where you live in Virginia also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

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

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How can high-risk drivers lower their car insurance rates in Virginia?

High-risk drivers in Virginia can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. 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.

People ask

How long are you considered a high-risk driver in Virginia?

Three years is common, but how long you are considered a high-risk driver in Virginiadepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Virginia's insurance requirements for high-risk drivers?

If you're a high-risk driver in Virginia, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

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.

All base rate 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

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Virginia

Can high-risk drivers get full coverage car insurance in Virginia?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Virginia?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.