Best and Cheapest Car Insurance in Virginia (Cash Savings With These 10 Companies in 2024)
The top pick overall for the best and cheapest car insurance in Virginia is USAA, followed closely by Geico and Progressive for their competitive rates.
This simplifies the car insurance landscape by comparing monthly rates for minimum and full coverage from top providers, considering various demographics such as age, marital status, and location.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $18 | A++ | Military Drivers | USAA |
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#2 | $26 | A+ | Qualifying Coverage | Progressive |
 |
#3 | $27 | B | Customer Service | State Farm |
 |
#4 | $29 | A++ | Affordable Rates | Geico |
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#5 | $31 | A++ | Bundling Policies | Travelers |
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#6 | $35 | A | Discount Availability | American Family |
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#7 | $36 | A+ | Widespread Availability | Nationwide |
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#8 | $42 | A | Safe-Driving Discounts | Farmers |
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#9 | $43 | A+ | Infrequent Drivers | Allstate |
 |
#10 | $54 | A | Add-On Coverages | Liberty Mutual |
By highlighting key factors like customer service, discounts, and eligibility, we aim to help you make an informed decision. Whether you're a teen, senior, or married couple, this guide provides valuable insights into finding the most cost-effective insurance options tailored to your needs.
Ready to find cheaper car insurance coverage? Enter your ZIP code above to begin.
What You Should Know
- USAA is the top pick with monthly rates starting at $18 for minimum coverage
- Explore the best and cheapest car insurance in Virginia with rate comparisons
- Tailored options for teens, seniors, and couples to find cost-effective plans
On this page:
- USAA: Top Overall Pick
- Progressive: Best for Qualifying Coverage
- State Farm: Best for Customer Service
- Geico: Best for Affordable Rates
- Travelers: Best for Bundling Policies
- American Family: Best for Discount Availability
- Nationwide: Best for Widespread Availability
- Farmers: Best for Safe-Driving Discounts
- Allstate: Best for Infrequent Drivers
- Liberty Mutual: Best for Add-On Coverages
- Comparative Overview of Car Insurance Rates and Discounts in Virginia
- Cheapest Teen Car Insurance Rates in Virginia
- Cheapest Car Insurance Rates for a Married Couple in Virginia
- Cheapest Senior Car Insurance Rates in Virginia
- Cheapest Areas in Virginia for Car Insurance
- Most Expensive Areas in Virginia for Car Insurance
- Minimum car insurance coverage and limits in Virginia
- Auto Insurance Rates Calculated in Virginia
- Saving Money on Your Car Insurance in Virginia
- Clearsurance Rates and Ranks the Best Car Insurance Companies in Virginia
- Car Insurance Guide in Virginia
#1 – USAA: Top Overall Pick
Pros
- Low Rates: Discover how military families in Virginia benefit from competitive rates in our USAA customer reviews.
- Excellent Customer Service: Known for high customer satisfaction and responsive support in Virginia.
- Strong Financial Stability: USAA is noted for its financial strength, ensuring timely claims processing in Virginia.
Cons
- Membership Restrictions: Only available to military members and their families in Virginia.
- Coverage Options: May be less flexible compared to other car insurance in Virginia providers.
#2 – Progressive: Best for Qualifying Coverage
Pros
- Competitive Rates: Offers affordable rates across Virginia, appealing to a broad demographic.
- Wide Range of Discounts: Features a range of discounts including multi-policy, and safe driver in Virginia.
- User-Friendly Technology: Explore our Progressive insurance customer reviews to learn about their user-friendly technology, including an easy-to-use mobile app and online tools are highly rated in Virginia
Cons
- Limited Local Agents: Some areas in Virginia may have limited face-to-face support due to fewer local agents.
- Potential Rate Increases: Customers might experience rate increases after the initial policy term in Virginia.
#3 – State Farm: Best for Customer Service
Pros
- Strong Agent Network: Strong presence of local agents across Virginia offering personalized services.
- Good Customer Satisfaction: Well-rated for customer service and efficient claims handling in Virginia.
- Comprehensive Coverage Options: See our State Farm insurance customer reviews for details on the wide range of coverage choices to Virginia residents.
Cons
- Limited Discounts: Compared to competitors, State Farm offers fewer discounts in Virginia.
- Rates: Premiums can vary significantly based on individual driver profiles and areas within Virginia.
#4 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Known for some of the cheapest car insurance rates in Virgina and tips on how to get cheap car insurance.
- Good Customer Service: High ratings for service and claims handling in Virginia.
- Easy Online Access: Strong online presence and mobile app for convenience in managing car insurance in Virginia.
Cons
- Limited Personal Interaction: Focus on online and phone service, which may not suit everyone seeking car insurance in Virginia.
- Potential Rate Increases: Rates can increase after the initial policy period for car insurance in Virginia.
#5 – Travelers: Best for Bundling Policies
Pros
- Flexible Coverage Options: Customizable policies to fit needs for car insurance in Virginia.
- Strong Financial Ratings: Reliable with strong financial stability for car insurance in Virginia.
- Good Online Tools: Based on our Travelers Companies, Inc. customer reviews, find out how their technology enhances user experience in Virginia
Cons
- Average Customer Service: Not as high as some competitors in Virginia.
- Limited Discounts: Fewer discounts compared to other insurers in Virginia.
#6 – American Family: Best for Discount Availability
Pros
- Personalized Service: Strong local agent presence in Virginia.
- Competitive Rates: Affordable for various driver profiles seeking car insurance in Virginia.
- Good Discounts: Delve into our American Family insurance customer ratings to find out more about their varied discount option and enhancing affordability for Virginia drivers..
Cons
- Average Online Tools: Less advanced compared to competitors in Virginia.
- Higher Rates for High-Risk Drivers: More expensive for those with poor driving records seeking car insurance in Virginia.
#7 – Nationwide: Best for Widespread Availability
Pros
- Good Customer Service: High ratings for service and claims handling for car insurance in Virginia.
- Strong Financial Stability: Reliable with strong financial ratings for car insurance in Virginia.
- Wide Coverage Options: View our Nationwide customer reviews to explore the depth of coverage available in Virgina
Cons
- Limited Discount Opportunities: Fewer discounts available for car insurance in Virginia.
- Potential Rate Increases: Rates may increase after the initial policy period for car insurance in Virginia.
#8 – Farmers: Best for Safe-Driving Discounts
Pros
- Comprehensive Coverage: Wide range of options for car insurance in Virginia.
- Good Discounts: Numerous discounts available for car insurance in Virginia.
- Strong Agent Support: According to our Farmers Insurance Group customer reviews, a wide local agent network is available for personal service in Virgina.
Cons
- Mixed Customer Reviews: Variable satisfaction ratings for car insurance in Virginia.
- Limited Online Tools: Less advanced compared to others in Virginia.
#9 – Allstate: Best for Infrequent Drivers
Pros
- Strong Agent Network: In line with our Allstate customer reviews, discover the extensive local presence Allstate offers in Virginia.
- Comprehensive Coverage: Wide range of options available for car insurance in Virginia.
- Good Discounts: Various discounts including safe driving for car insurance in Virginia.
Cons
- Mixed Customer Reviews: Variable satisfaction ratings for car insurance in Virginia.
- Potential Rate Increases: Rates may increase after the initial policy period for car insurance in Virginia.
#10 – Liberty Mutual: Best for Add-On Coverages
Pros
- Customizable Policies: With our Liberty Mutual insurance customer reviews, get insights into the variety and flexibility of coverage options available in Virginia.
- Multi-Policy Discounts: Significant savings for bundling policies for car insurance in Virginia.
- Strong Financial Ratings: Reliable with strong financial stability in Virginia.
Cons
- Higher Premiums for Young Drivers: More expensive for younger drivers in Virginia.
- Limited Discounts: Reliable with strong financial stability for car insurance in Virginia.
Comparative Overview of Car Insurance Rates and Discounts in Virginia
Navigating the car insurance landscape in Virginia can be complex, but this comparison of rates and discounts from top insurance providers aims to simplify your decision-making process by explaining what is comprehensive insurance coverage.
The table below presents monthly car insurance rates for both minimum and full coverage options in Virginia, comparing data across different demographic groups to help you find the most cost-effective insurance plans from leading providers.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $43 | $103 |
| American Family | $35 | $83 |
| Farmers | $42 | $100 |
| Geico | $29 | $69 |
| Liberty Mutual | $54 | $129 |
| Nationwide | $36 | $86 |
| Progressive | $26 | $61 |
| State Farm | $27 | $63 |
| Travelers | $31 | $73 |
| USAA | $18 | $43 |
For those seeking the most affordable rates, USAA offers the lowest prices for both minimum and full coverage, making it an attractive option for eligible individuals. Meanwhile, companies like Geico and Progressive also present competitive rates that cater to a broader audience.
Explore a variety of car insurance discounts available from prominent insurers in Virginia. Top providers like Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA offer numerous incentives such as multi-car, safe driver, good student, and early signing discounts. This comparison helps you identify potential savings and tailor coverage to meet your specific requirements efficiently.
Cheapest Teen Car Insurance Rates in Virginia
Virginia teen drivers find the cheapest car insurance rates with USAA. USAA provides auto insurance coverage to military members and their families. If the military member is deceased, family members can only get USAA benefits if the service member had an account previously. The annual premium for a large family can be low because USAA specializes in a limited group. Additionally, understanding tips to keep teen drivers safe on the road can help reduce insurance costs.
The table presents monthly car insurance rates for Virginia teen drivers, comparing the average premiums for 18-year-old male and female drivers.
| Insurance Company | Female (Age 18) | Male (Age 18) |
|---|---|---|
| Allstate | $180 | $170 |
| American Family | $103 | $140 |
| Farmers | $205 | $216 |
| Geico | $87 | $122 |
| Liberty Mutual | $189 | $226 |
| Nationwide | $98 | $127 |
| Progressive | $193 | $219 |
| State Farm | $84 | $105 |
| Travelers | $187 | $261 |
| USAA | $66 | $79 |
These rates are based on profiles for 18-year-old male and female drivers in Virginia. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.
Cheapest Car Insurance Rates for a Married Couple in Virginia
Out of the five largest auto insurers in Virginia, Geico offers the cheapest car insurance rates for married couples in the state on average. Keep in mind, the annual premium for married couples can still vary based on the specific combination of factors. Not having a clean record often has the biggest impact. When comparing car insurance companies for married couples, it's essential to consider these factors.
The table presents monthly car insurance rates for married couples in Virginia, comparing average premiums for a 35-year-old couple with two vehicles and one driving incident in the past three years.
| Insurance Company | Rates |
|---|---|
| Allstate | $61 |
| American Family | $44 |
| Farmers | $54 |
| Geico | $41 |
| Liberty Mutual | $67 |
| Nationwide | $45 |
| Progressive | $36 |
| State Farm | $36 |
| Travelers | $36 |
| USAA | $27 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.
Cheapest Senior Car Insurance Rates in Virginia
Among the five largest companies in Virginia, USAA provides the cheapest car insurance rates for male and female senior drivers on average. The next cheapest options for senior drivers in Virginia are State Farm and Nationwide. Drivers with a clean driving record may want to consider these companies which have the lowest rates. When exploring car insurance for senior drivers, local insurance companies that only cover certain states may be more competitive.
The table presents monthly car insurance rates for senior drivers in Virginia, comparing average premiums for 65-year-old male and female drivers with clean driving records and good credit scores.
| Insurance Company | Female (Age 65) | Male (Age 65) |
|---|---|---|
| Allstate | $45 | $43 |
| American Family | $34 | $34 |
| Farmers | $42 | $41 |
| Geico | $30 | $29 |
| Liberty Mutual | $53 | $53 |
| Nationwide | $35 | $35 |
| Progressive | $26 | $25 |
| State Farm | $26 | $26 |
| Travelers | $30 | $30 |
| USAA | $18 | $18 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.
Cheapest Areas in Virginia for Car Insurance
While age and marital status affect the cost of car insurance, so does where you live. Virginia car insurance rates vary based on the city and neighborhood you live in. Understanding how to get cheap car insurance can help you navigate these varying rates effectively.
The table presents monthly car insurance rates for various cities in Virginia, comparing the average premiums for a 35-year-old single adult with one vehicle, one driving incident in the past three years, and a good credit score.
| City | Rates |
|---|---|
| Fulks Run | $72 |
| Broadway | $72 |
| Staunton | $72 |
| Dayton | $72 |
| Fishersville | $72 |
| Lacey Spring | $72 |
| Harrisonburg | $75 |
| Bridgewater | $77 |
| Linville | $79 |
| Blacksburg | $79 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.
Most Expensive Areas in Virginia for Car Insurance
When looking at the average car insurance rates in Virginia, rates vary based on your location. The table below displays the most expensive areas in Virginia for car insurance based on average rates for a single adult. Factors like claims filed in your area and the crime rate can increase the average rate, explaining why car insurance is so expensive. Keep in mind, insurance companies establish risk based on where your car is garaged. Listing a different address to reduce your cost is considered fraud.
The table presents monthly car insurance rates for various cities in Virginia, comparing the average premiums for a 35-year-old single adult with one vehicle, one driving incident in the past three years, and a good credit score.
| City | Rates |
|---|---|
| Annandale | $100 |
| Fort Belvoir | $99 |
| Lorton | $98 |
| Merrifield | $97 |
| Springfield | $97 |
| Norfolk | $97 |
| West Mclean | $97 |
| Dumfries | $96 |
| Alexandria | $96 |
| Woodbridge | $96 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.
Minimum Car Insurance Coverage and Limits in Virginia
Virginia drivers are required to have liability car insurance as well as uninsured motorist coverage. The state does allow drivers to pay a $500 uninsured motor vehicle fee to the DMV, which enables you to drive uninsured for 12 months. However, if you’re in an at-fault accident during this time, you’ll have to pay for all costs associated with the accident out of pocket.
So it’s best to purchase car insurance to protect yourself. Experts often recommend higher liability limits such as $50,000/$100,000. Some buyers choose to go up as high as $1 million in liability. Keep in mind, this can dramatically increase your average rate.
Virginia has outlined the minimum limits you must obtain for your liability and uninsured motorist coverage, listed below. Still, it’s important to consider purchasing higher limits to ensure you’re properly covered for a costly accident. You can learn more about different car insurance coverages and what the limits mean on our blog.
Virginia state minimum coverage insurance requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $20,000 per accident
- Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $20,000 per accident for property damage.
While driving in Virginia, all drivers must carry proof of insurance. Even though insurance companies might recommend keeping an insurance card in the glovebox, drivers can store their insurance information on their smartphones.
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Uninsured motorist coverage offers protection for you in the event you are injured in an accident by an at-fault driver who doesn’t have insurance or doesn’t have enough coverage. According to 2015 data from the Insurance Information Institute, 9.9 percent of Virginia drivers are uninsured.
Auto Insurance Rates Calculated in Virginia
When searching and comparing insurance quotes from the best auto insurance companies in Virginia, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Driving Record & Mileage
- Age, Gender, & Marital Status
- Your Car’s Make, Model, and Year
- Location
- Amount of Car Insurance Coverage
If you're looking for cheap car insurance in Virginia, the most affordable car insurance company will depend on these factors.
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up.
data-media-max-width="560">Safe driver discounts are a great way to save money on car insurance. We'll show you how they work and how drivers can qualify with a safe driving app. https://t.co/Hh2qDU5zW7 pic.twitter.com/DSFdX68NBh
— USAA (@USAA) July 17, 2023
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident.
For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
Saving Money on Your Car Insurance in Virginia
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Virginia car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are five ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies.
- Consider raising your deductibles.
- Pay your auto insurance policy in full.
- Try usage-based car insurance.
- Monitor price changes to your policy.
Implementing these strategies can help ensure that you're getting the most value for your money. Always compare policies annually to ensure your rates remain competitive and reflect your current driving situation.
Educating yourself about all possible discounts can lead to substantial savings. Finally, maintaining a clean driving record not only keeps you safe but also minimizes your insurance costs.
Clearsurance Rates and Ranks the Best Car Insurance Companies in Virginia
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including top ways customers have saved money on car insurance rates:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Car Insurance Guide in Virginia
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Frequently Asked Questions
Who has the cheapest car insurance rates in Virginia?
USAA, State Farm, Virginia Farm Bureau, Travelers, and Erie provide some of the most affordable car insurance in Virginia for the majority of drivers. According to our rate estimates, average car insurance prices in Virginia are $148 per month for full coverage and $45 per month for minimum coverage.
How much is car insurance per month in Virginia?
The average cost of car insurance in Virginia is $172 per month for full coverage and $94 per month for liability-only coverage. Your rates will vary based on several factors, such as your driving record, age, gender, credit history, location, and more.
Why is auto insurance so expensive in Virginia?
Over the past five years, inflation, supply chain issues, and the increasing cost of medical care and auto repairs have resulted in a 36.2% increase in auto insurance rates.
Do you pay car insurance in Virginia?
Virginia drivers are required to carry the state's minimum insurance coverage or pay the DMV an uninsured motor vehicle (UMV) fee of $500 at every registration renewal.
What's the new Virginia law on car insurance?
As of July 1, 2024, all cars in Virginia must be insured with a policy that includes at least 30/60/20 liability limits—$30,000 per person, $60,000 per accident of bodily injury liability insurance, and $20,000 of property damage liability insurance.
Can you own a car in Virginia without insurance?
Uninsured vehicle owners will have their driving and vehicle registration privileges suspended. To be reinstated, you must pay a $600 non-compliance fee.
How much is the no-insurance fee in Virginia?
Effective July 1, Virginians will be required to carry automobile insurance, according to a law signed in 2023. SB 951 repeals the option motorists have to register uninsured vehicles and pay an annual $500 fee.
How long can you go without car insurance in Virginia?
You must provide proof that you have liability insurance within 30 days to avoid these penalties. Law enforcement officers can also ask for proof of financial responsibility during traffic stops. You may be charged with a Class 3 misdemeanor if you can't provide proof.
Do you need insurance before buying a car in Virginia?
Virginia car insurance laws dictate that drivers must carry proof of insurance in their vehicle at all times. Before you can purchase license plates or register the vehicle, you must show proof that the vehicle meets the auto insurance Virginia requirements.
How long can you go without car insurance in Virginia?
You must provide proof that you have liability insurance within 30 days to avoid these penalties. Law enforcement officers can also ask for proof of financial responsibility during traffic stops. You may be charged with a Class 3 misdemeanor if you can't provide proof.