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Nationwide offers the cheapest auto insurance at $779 per year or $65 monthly, on average, which is below the average Virginia car insurance rate of $1,227 a year.

Cheap isn’t everything, and an Insurance.com analysis of rates, complaints, and financial stability found Nationwide to be the best insurance company in Virginia.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your average annual car insurance cost. 

Read on to compare Virginia insurance rates by company, age, and more.

Key takeaways

  • Geico is the best car insurance company in Virginia overall, with below-average rates and a low complaint ratio.
  • Nationwide is the cheapest car insurance company in Virginia at $779 per year.
  • USAA has cheaper rates if you’re eligible as a miltiary family. 

Average cost of car insurance in Virginia

The average car insurance rate in Virginia is $1,227 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 $444. 

Best car insurance companies in Virginia

Geico is the best car insurance company in Virginia that’s open to all residents, based on a 2023 analysis by Insurance.com, with an overall rating of 4.87.

USAA beat Geico slightly in the ratings, but is only available to military members and their families. 

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.

Best car insurance companies in Virginia
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
USAA*A++$ 8310.994.87
GeicoA++$ 1,0710.774.74
TravelersA++$ 1,0501.034.7
NationwideA+$ 7790.664.67
Auto-OwnersA++$ 1,2850.644.61
ProgressiveA+$ 1,0010.734.5
State FarmA++$ 1,0720.524.49
Erie InsuranceA+$ 1,0000.954.45
American FamilyA$ 9220.574.29
Mercury InsuranceA$ 1,2970.673.99
AllstateA+$ 1,7220.953.92

USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Virginia

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, Nationwide is the cheapest auto insurance company in Virginia, with average rates of $779 annually or $65 a month for full coverage. USAA is cheaper if you’re eligible.

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Nationwide$ 397$ 406$ 779
USAA$ 255$ 291$ 831
American Family$ 938$ 482$ 922
Erie Insurance$ 309$ 346$ 1,000
Progressive$ 435$ 459$ 1,001
Travelers$ 386$ 426$ 1,050
Geico$ 283$ 332$ 1,071
State Farm$ 306$ 360$ 1,072
Auto-Owners$ 367$ 424$ 1,285
Mercury Insurance$ 415$ 466$ 1,297
Allstate$ 359$ 408$ 1,722
Kemper Insurance$ 876$ 1,083$ 2,699

USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Alabama
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Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

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Least Expensive

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Cheapest car insurance cost in Virginia by age

In Virginia, car insurance rates are higher for teenagers due to their lack of driving experience.

Erie Insurance offers the cheapest car insurance for teen drivers in Virginia at $2,599 per year for a full coverage policy. 

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, Nationwide offers the cheapest full coverage car insurance for adult and senior drivers at $783 per year and $749 per year, respectively. 

Cheapest car insurance by age in Virginia
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Erie Insurance$ 2,599
Teens (16-19)Nationwide$ 2,816
Teens (16-19)USAA$ 2,819
Teens (16-19)American Family$ 2,903
Teens (16-19)Geico$ 3,055
Teens (16-19)State Farm$ 3,108
Teens (16-19)Travelers$ 3,264
Teens (16-19)Auto-Owners$ 3,775
Teens (16-19)Allstate$ 4,443
Teens (16-19)Progressive$ 5,360
Teens (16-19)Mercury Insurance$ 6,502
Teens (16-19)Kemper Insurance$ 8,274
Young Adults (20-24)USAA$ 1,327
Young Adults (20-24)Nationwide$ 1,330
Young Adults (20-24)Geico$ 1,566
Young Adults (20-24)American Family$ 1,604
Young Adults (20-24)Travelers$ 1,621
Young Adults (20-24)Erie Insurance$ 1,728
Young Adults (20-24)State Farm$ 1,790
Young Adults (20-24)Progressive$ 1,828
Young Adults (20-24)Auto-Owners$ 2,292
Young Adults (20-24)Allstate$ 2,511
Young Adults (20-24)Mercury Insurance$ 2,682
Young Adults (20-24)Kemper Insurance$ 4,335
Adults (25-55)Nationwide$ 783
Adults (25-55)USAA$ 848
Adults (25-55)American Family$ 967
Adults (25-55)Progressive$ 1,041
Adults (25-55)Erie Insurance$ 1,042
Adults (25-55)Travelers$ 1,067
Adults (25-55)State Farm$ 1,092
Adults (25-55)Geico$ 1,137
Adults (25-55)Auto-Owners$ 1,345
Adults (25-55)Mercury Insurance$ 1,415
Adults (25-55)Allstate$ 1,687
Adults (25-55)Kemper Insurance$ 2,563
Seniors (60-75)Nationwide$ 749
Seniors (60-75)USAA$ 832
Seniors (60-75)American Family$ 1,011
Seniors (60-75)Travelers$ 1,017
Seniors (60-75)State Farm$ 1,020
Seniors (60-75)Progressive$ 1,041
Seniors (60-75)Erie Insurance$ 1,042
Seniors (60-75)Geico$ 1,069
Seniors (60-75)Auto-Owners$ 1,361
Seniors (60-75)Mercury Insurance$ 1,401
Seniors (60-75)Allstate$ 1,712
Seniors (60-75)Kemper Insurance$ 2,318

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. 

Cheapest car insurance companies for tickets and accidents in Virginia 
CompanyClean recordAccidentTicket
Nationwide$ 812$ 1,245$ 1,139
USAA$ 836$ 1,254$ 1,035
American Family$ 921$ 1,081$ 1,429
Progressive$ 921$ 1,486$ 1,136
Geico$ 955$ 1,655$ 1,396
Erie$ 1,026$ 1,377$ 1,166
State Farm$ 1,041$ 1,229$ 1,135
Travelers$ 1,048$ 1,547$ 1,505
Mercury$ 1,342$ 2,488$ 1,895
Auto-Owners$ 1,427$ 1,427$ 1,502
Allstate$ 1,798$ 3,217$ 2,337
Kemper$ 2,630$ 4,176$ 3,345

*USAA offers car insurance only to military members, veterans and their families.

Compare auto insurance rates by city in Virginia

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Virginia.

CityAnnual insurance premium
Virginia Beach
$1,457

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

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 
  • Single vehicle accident 

Tickets: 

  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.  

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