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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 $1,227 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.

KEY TAKEAWAYS
  • The state minimum coverage in Virginia costs $444 annually.
  • The cheapest full coverage policy for Virginia drivers is offered by Nationwide at $779 per year.
  • Teen drivers in Virginia get the cheapest car insurance from USAA at $2,936 a year.
  • For drivers with a DUI on their driving history in Virginia, State Farm offers the cheapest rates at $1,819 per year.

Cheapest car insurance companies in Virginia

Nationwide is the cheapest car insurance company in Virginia that offers full coverage policy at about $779 per year or $65 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
Nationwide$779$65
USAA$831$69
American Family$922$77
Erie Insurance$1,000$83
Progressive$1,001$83
Travelers$1,050$88
Geico$1,071$89
State Farm$1,072$89
Auto-Owners$1,285$107
Mercury Insurance$1,297$108
Allstate$1,722$143
Kemper Insurance$2,699$225

Cheapest car insurance for teens in Virginia

USAA is the cheapest car insurance provider for teen drivers in Virginia. It offers insurance at about $2,936 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
USAA$2,936
Erie Insurance$2,989
Geico$3,011
American Family$3,069
Nationwide$3,107
State Farm$3,462
Travelers$3,577
Auto-Owners$4,319
Allstate$4,754
Progressive$5,660
Mercury Insurance$7,272
Kemper Insurance$9,111

Cheapest car insurance for young drivers in Virginia

The cheapest car insurance company for young drivers in Virginia is USAA at about $1,395 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
USAA$1,395
Nationwide$1,419
Geico$1,518
American Family$1,666
Travelers$1,721
Erie Insurance$1,898
Progressive$1,917
State Farm$1,955
Auto-Owners$2,428
Allstate$2,684
Mercury Insurance$2,982
Kemper Insurance$4,747

Cheapest car insurance for adults in Virginia

According to Insurance.com's rate analysis, Nationwide offers the cheapest car insurance for adults in Virginia. Its average rate is $794 annually.

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

CompanyAverage annual premium
Nationwide$794
USAA$862
American Family$981
Progressive$1,027
Erie Insurance$1,036
Geico$1,075
Travelers$1,092
State Farm$1,105
Auto-Owners$1,345
Mercury Insurance$1,429
Allstate$1,659
Kemper Insurance$2,722

Cheapest car insurance for seniors in Virginia

Nationwide offers the cheapest car insurance for seniors in Virginia. The average annual premium offered is $771. 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
Nationwide$771
USAA$857
State Farm$1,020
Geico$1,022
American Family$1,024
Progressive$1,056
Travelers$1,060
Erie Insurance$1,063
Auto-Owners$1,361
Mercury Insurance$1,507
Allstate$1,712
Kemper Insurance$2,531

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 $2,151 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$1,103
Geico$1,445
Progressive$1,556
USAA$1,566
Mercury$1,823
Travelers$1,918
State Farm$2,064
Erie$2,319
Auto-Owners$2,417
Allstate$2,799
Kemper$3,127
American Family$3,680

Cheapest auto insurance for drivers with a speeding ticket: USAA

If you have a speeding ticket on your record, USAA offers the cheapest car insurance at about $1,642 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
USAA$1,014
Nationwide$1,045
State Farm$1,135
Erie$1,166
Progressive$1,244
Travelers$1,565
Auto-Owners$1,614
American Family$1,648
Geico$1,660
Mercury$1,823
Allstate$2,337
Kemper$3,454

Cheapest auto insurance after an at-fault accident : American Family

American Family offers the cheapest car insurance after an at-fault accident. Its average cost for Virginia drivers is $1,849 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
American Family$1,028
State Farm$1,229
Nationwide$1,245
USAA$1,254
Auto-Owners$1,427
Erie$1,447
Progressive$1,486
Travelers$1,537
Geico$1,655
Mercury$2,488
Allstate$3,217
Kemper$4,176

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 $1,819 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$1,135
Progressive$1,213
Nationwide$1,517
USAA$1,567
Travelers$1,673
Mercury$1,693
Erie$1,729
Auto-Owners$1,802
American Family$1,995
Geico$2,099
Allstate$2,648
Kemper$2,758

Average cost of car insurance in Virginia

The average car insurance rate for full coverage in Virginia is $1,227 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 $444 annually.

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