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The cost of car insurance in Virginia can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Virginia is $1,139 annually for the profile of a 30-year-old driver.

When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.

Cheapest car insurance companies in Virginia

United Svcs Automobile is the cheapest car insurance company in Virginia that offers full coverage policy at about $674 per year or $56 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Virginia.

Following is the list of the cheap auto insurance companies and their average annual and monthly premium.

CompanyAverage annual premiumAverage monthly premium
United Svcs Automobile Assn$674$56
Nationwide of Am$754$63
Main St Am Protection$855$71
Progressive Advanced$856$71
GEICO Advantage$898$75
Travelers Personal Sec$941$78
Erie Ins Exchange$945$79
State Farm Mutl Automobile Ins$1,005$84
American Mercury$1,085$90
Owners$1,163$97
Allstate P&C$1,358$113
Alpha P&C$2,106$175
Metropolitan Direct P&C$2,174$181

Cheapest car insurance for teens in Virginia

Erie Ins Exch is the cheapest car insurance provider for teen drivers in Virginia. It offers insurance at about $2,435 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.

CompanyAverage annual premium
Erie Ins Exch$2,435
Nationwide Of Amer$2,806
State Farm Mut Auto$3,142
Geico Gen$3,179
Progressive Gulf$4,951
Allstate Prop & Cas$5,697

Cheapest car insurance for young drivers in Virginia

The cheapest car insurance company for young drivers in Virginia is Nationwide Of Amer at about $1,464 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
Nationwide Of Amer$1,464
Progressive Gulf$1,495
Erie Ins Exch$1,724
State Farm Mut Auto$1,783
Geico Gen$1,936
Allstate Prop & Cas$2,874

Cheapest car insurance for adults in Virginia

According to Insurance.com's rate analysis, Progressive Gulf offers the cheapest car insurance for adults in Virginia. Its average rate is $836 annually.

Below are the companies that offer cheap insurance rates for adult drivers in Virginia.

CompanyAverage annual premium
Progressive Gulf$836
Nationwide Of Amer$888
Erie Ins Exch$990
State Farm Mut Auto$1,076
Geico Gen$1,148
Allstate Prop & Cas$1,801

Cheapest car insurance for seniors in Virginia

Progressive offers the cheapest car insurance for seniors in Virginia. The average annual premium offered is $718. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.

Below is the list of companies that offer the cheapest car insurance for seniors in Virginia:

CompanyAverage annual premium
Progressive Gulf$718
Nationwide Of Amer$848
Erie Ins Exch$987
State Farm Mut Auto$1,012
Geico Gen$1,291
Allstate Prop & Cas$1,812

Cheapest car insurance rates in Virginia by driving record

The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.

Cheapest auto insurance for drivers with poor credit: Nationwide

Nationwide has the cheapest auto insurance for drivers with poor credit at about $1,074 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.

CompanyAverage annual premium
Nationwide$1,074
Geico$1,462
United$1,559
Progressive$1,688
State Farm$2,039
Travelers$2,044
Owners$2,115
American Mercury$2,150
Erie Ins$2,344
Allstate$2,599
Alpha P&C$3,622
Main St Am Protection$4,540
Metropolitan$5,035

Cheapest auto insurance for drivers with a speeding ticket: Nationwide

If you have a speeding ticket on your record, Nationwide offers the cheapest car insurance at about $988 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.

CompanyAverage annual premium
Nationwide$988
United$1,079
State Farm$1,117
Erie Ins$1,167
Progressive$1,315
Owners$1,467
Travelers$1,601
Geico$1,781
American Mercury$2,124
Allstate$2,160
Main St Am Protection$2,177
Alpha P&C$4,002
Metropolitan$4,739

Cheapest auto insurance after an at-fault accident : Main St Am Protection

Main St Am Protection offers the cheapest car insurance after an at-fault accident. Its average cost for Virginia drivers is $1,124 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.

CompanyAverage annual premium
Main St Am Protection$1,124
Nationwide$1,170
State Farm$1,206
Owners$1,251
United$1,275
Erie Ins$1,432
Progressive$1,549
Travelers$1,555
Geico$1,659
American Mercury$2,872
Allstate$2,948
Alpha P&C$4,856
Metropolitan$5,005

Cheapest auto insurance after a DUI : State Farm

If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in Virginia at $1,117 per year. To find the best deal, it is required to shop around and compare insurance quotes.

The table below lists the cheapest car insurance companies after DUI in Virginia, along with their average annual premium.

CompanyAverage annual premium
State Farm$1,117
Progressive$1,280
Nationwide$1,407
Owners$1,574
Travelers$1,670
United$1,674
Erie Ins$1,695
American Mercury$1,974
Geico$2,052
Allstate$2,431
Main St Am Protection$2,460
Alpha P&C$3,187
Metropolitan$7,645

Average cost of car insurance in Virginia

The average car insurance rate for full coverage in Virginia is $1,139 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

The state minimum average rate in Virginia is $428 annually.

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