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Why Compare Car Insurance Rates in Virginia:

  • On average, people who compare rates save about $970 a year on car insurance
  • Way.com is an insurance power broker agency with over 200+ partners
  • We don’t sell your information to spammers.

Your objective to find cheap car insurance in Virginia depends on many factors. To qualify as the state-leading auto insurance provider, Way.com has used extensive and accident compensation rates for an average driver. To get an idea of the annual rate you have to pay, compare car insurance quotes in VA and the average yearly rates of insurance companies in Virginia.

In the case of auto insurance companies, you can preferably shop for the best prices. Some carriers offer cheap insurance in VA based on discounts like the smooth driving records or high-quality students, while others charge higher rates for drivers who break their records.

In Virginia, adequate auto insurance is a must. If you do get in an accident, auto insurance will help cover you financially. Way.com has compiled a range of affordable car insurance from VA's top car insurance companies.


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Minimum Required Auto Insurance Coverage in Virginia

Buying insurance coverage before you register your car is mandatory in all states. According to the Virginia Insurance Department, all car owners must have at least the following auto insurance coverage types and limits:

Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $25,000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident) $50,000 ($100,000 for injuries resulting in death)
Property Damage Liability $20,000

Cheapest Car Insurance in Virginia for Minimum Required Coverage

For Virginia drivers, USAA has the best minimum auto insurance coverage rates. USAA offers auto insurance for $675 per year, $285 cheaper than the state average. For minimum liability, the average cost of auto insurance in Virginia is $564 per year or $48 per month.

CAR INSURANCE COMPANY AVERAGE ANNUAL RATE
USAA $675
State Farm $790
Erie Insurance $872
MetLife $887
Progressive $895
Mercury $917
Travelers $938
The General $954
Statewide Average $960
Nationwide $1,099
Allstate $1,464

Do I Need More Than the Minimum Required State Coverage in Virginia?

It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect your finances. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term. In most states, car insurance is no longer optional.

In Virginia, the minimum insurance coverage the drivers must-have for their car has increased post 1, 2022. Customers must verify that their car is covered by the minimum insurance requirements or pay the Uninsured Motor Vehicle Fee to acquire license plates, a title, and registration in Virginia.

See what you could save on auto insurance

Virginia Car Insurance Laws

In Virginia, personal injury protection insurance (PIP) is not needed. Car insurance is not needed for drivers in Virginia. If a driver chooses to purchase insurance, Virginia policies include medical payments insurance (MedPay) rather than personal injury protection (PIP).

With your Virginia policy, you have access to MedPay. Even if you caused the accident, this coverage would assist you with any injuries or rehabilitation you may require following a car accident. It's almost equivalent to PIP in this regard.

However, unlike PIP, MedPay normally does not cover additional help categories such as lost wages or home services if you are wounded.

Cheap SR22 insurance in VA

The VA legislation mandates all drivers to take state insurance with minimum liability. SR-22 insurance is required to re-establish your drivers' license, apply for a permit for hardship, by court order, etc.

The SR-22 is an endorsement of a scheme that verifies legitimate liability protection ("SR" means "safety responsibility"). An insurance carrier shall file the approval with the State. It is not the insurance policy itself and cannot be bought by itself. Still, it is a shred of evidence to the State that you have obtained the financial liability coverage required by the State to regain your driving privileges.

For the following convictions, a Virginia FR44 certification is required:

  • Driving under the influence of alcohol, drugs, or other intoxicants
  • Accidental cause of death while driving in inebriated
  • Driving while your driver's license has been suspended due to a conviction or, in the case of a juvenile, a judgment of "not guilty."

(Note that even if the crime occurs outside of Virginia, Virginia drivers are still subject to the FR44 regulations.)

Liability policy limits for Virginia FR-44 are double the cap for insurance coverage of the SR-22:

  • Single person's body injury/death $50000
  • two or more people's physical injury/death $100000
  • damage to property or "PD" $40000

Auto Insurance Coverage Types

Only liability and uninsured/underinsured motorist coverage are required by Virginia law, but most insurance companies provide a variety of insurance coverage types for cars in Virginia.

Proof of Auto Insurance in Virginia

While driving in Virginia, drivers must have evidence of insurance.

Although insurance companies still advise drivers to carry a card in the glovebox, the Virginia legislation now permits them to retain their insurance information on their smartphones.

The insurance card should include the following information:

  • Your given name
  • The policy's reference number
  • A phone number to contact for assistance with filing claims.

After an accident or if a law enforcement officer requests it, you must present proof of insurance.

Average Cost of Auto Insurance Companies in Virginia

The Old Dominion state has some of the most affordable insurance premiums in the country. According to data obtained as part of our study, Virginians pay an average of $1002 per year for auto insurance. This is 25% lower than the national average.

We looked at rates for various drivers in Virginia and around the country as part of our research. However, the average rates used in this study may not be typical of your own, and your premium may be more or lower than the state average, depending on your age, credit history, driving record, and where you live.

Get several rate quotes from the providers in our study to get a better idea of how much you might pay for car insurance in Virginia.

Cheapest car insurance quotes for Virginia drivers

Several of the insurers in our analysis had lower rates than the national average for drivers with a clean driving record. The best rates can be found with USAA, but drivers who aren't eligible for membership will generally find the best deals with State Farm. Allstate has the highest rates in our analysis, with premiums that are 52% more than the state average.

CAR INSURANCE COMPANY AVERAGE ANNUAL RATE
USAA $706
State Farm $844
Erie Insurance $911
Progressive $925
Travelers $984
Statewide Average $1,001
The General $1,042
Nationwide $1,076
Allstate $1,518

Cheap car insurance in Virginia for young Virginia drivers

Drivers who are military members may find the greatest prices with USAA, while those who aren't will most likely find the best rates with Erie Insurance. Their rates range from 13% to 21% lower than the state average. In our survey, Progressive had the highest rates for both males and females in this group.

CAR INSURANCE COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $4,416 $5,073
Erie Insurance $1,953 $2,749
The General $2,640 $2,818
Nationwide $3,570 $4,415
Progressive $5,827 $6,573
State Farm $2,271 $2,858
Travelers $2,844 $3,495
USAA $2,359 $2,619
Statewide Average $3,235 $3,825

Cheap car insurance for Virginia drivers with a speeding ticket

State Farm is likely to have the best prices for drivers who aren't eligible for USAA membership. Their rates are 25% lower than the state average, and Allstate has significantly higher rates than the other insurers in our survey.

CAR INSURANCE COMPANY AVERAGE ANNUAL RATE
USAA $853
State Farm $919
Erie Insurance $947
Progressive $1,215
The General $1,223
Statewide Average $1,226
Mercury $1,260
Travelers $1,334
Nationwide $1,375
MetLife $1,453
Allstate $1,942

Cheap auto insurance for Virginia drivers after a car accident

For Virginia drivers with an accident on their record, State Farm is the only insurer in our survey with an average rate under $1,000. Allstate has the highest average rates in our survey, at 65% higher than the state average.

CAR INSURANCE COMPANY AVERAGE ANNUAL RATE
State Farm $993
USAA $1,035
Erie Insurance $1,162
Travelers $1,394
Statewide Average $1,456
Mercury $1,493
The General $1,496
Progressive $1,536
Nationwide $1,631
MetLife $1,797
Allstate $2,398

Cheap car insurance quotes for Virginia drivers with a DUI

Looking for car insurance after a DUI? Drivers in Virginia with a DUI are likely to find the best average car insurance rates with State Farm, 42% lower than the state average. Our survey's average prices for Allstate and MetLife are the highest, ranging from 35% to 39% higher than the state average.

CAR INSURANCE COMPANY AVERAGE ANNUAL RATE
State Farm $919
Progressive $1,234
Mercury $1,259
USAA $1,299
Erie Insurance $1,378
Travelers $1,531
Statewide Average $1,582
Nationwide $1,961
The General $2,138
Allstate $2,195
MetLife $3,369

Cheap car insurance for married Virginia drivers

Farm Bureau and USAA has the best rate for full coverage insurance for married drivers, at $833 per year, 5% less than the premium for unmarried drivers.

In Virginia, average annual full coverage rates for married drivers are 9% lower than for unmarried drivers. This is because married drivers, on average, cause fewer accidents than single drivers.

Company Monthly rate
USAA $833
Farm Bureau $869
State Farm $917
Erie $965
The General $989
Progressive $1,205
Nationwide $1,421
Travelers $1,769
Allstate $2,081

Cheap full coverage car insurance quotes for young drivers with an accident history

If you're a young Virginia driver who has had an accident, The General can help you locate the most reasonable rates. Minimum coverage costs $1193 per year for 18-year-old drivers who have been in an at-fault accident, 45% percent less than the state average.

Car Insurance Company Annual Rate
The General $1,193
Farm Bureau $1,529
Erie $1,709
State Farm $1,769
Nationwide $2,489
Travelers $2,513
Allstate $3,089
Progressive $4,001
USAA* $1,193

Compare car insurance rates in top Cities

Auto insurance costs vary widely, even within a state. The table below shows the ten most populated cities in Virginia. Every ZIP code has its own set of rating variables that influence premiums, like the frequency of accidents.

CityAverage Annual Rate
Abingdon$1,217
Accomac$1,337
Achilles$1,289
Adwolf$1,253
Afton$1,349
Alberta$1,385
Aldie$1,421
Alexandria$1,541
Altavista$1,301
Alton$1,349
Amelia Court House$1,457
Amherst$1,277
Amissville$1,433
Ammon$1,397
Amonate$1,349
Andover$1,277
Annandale$1,577
Appalachia$1,265
Appomattox$1,313
Aquia Harbour$1,409
Ararat$1,289
Ark$1,313
Arlington$1,457
Aroda$1,373
Arrington$1,325
Arvonia$1,397
Ashburn$1,361
Ashland$1,337
Assawoman$1,349
Atkins$1,253
Atlantic$1,349
Augusta Springs$1,229
Austinville$1,241
Axton$1,349
Aylett$1,361
Bacova$1,229
Bailey's Crossroads$1,577
Banco$1,361
Bandy$1,361
Barboursville$1,385
Barhamsville$1,277
Barren Springs$1,277
Baskerville$1,325
Bassett$1,325
Bastian$1,373
Basye$1,193
Batesville$1,325
Battery Park$1,361
Bealeton$1,445
Beaumont$1,409
Beaverdam$1,373
Bedford$1,301
Bee$1,433
Belle Haven$1,481
Bellwood$1,421
Belmont$1,361
Belspring$1,241
Belview$1,169
Ben Hur$1,325
Bena$1,301
Benns Church$1,373
Bensley$1,445
Bent Mountain$1,241
Bentonville$1,301
Bergton$1,181
Berryville$1,265
Bethel Manor$1,313
Big Island$1,301
Big Rock$1,457
Big Stone Gap$1,289
Birchleaf$1,457
Birdsnest$1,325
Bishop$1,337
Blacksburg$1,145
Blackstone$1,397
Blackwater$1,349
Blairs$1,349
Bland$1,313
Bloxom$1,325
Blue Grass$1,241
Blue Ridge$1,229
Bluefield$1,361
Bluemont$1,349
Bohannon$1,313
Boissevain$1,349
Bon Air$1,409
Boones Mill$1,265
Boonesville$1,337
Boston$1,385
Bowling Green$1,385
Boyce$1,265
Boydton$1,337
Boykins$1,349
Bracey$1,313
Brambleton$1,361
Branchville$1,361
Brandermill$1,397
Brandy Station$1,409
Breaks$1,433
Bremo Bluff$1,397
Bridgewater$1,169
Brightwood$1,361
Bristol$1,241
Bristow$1,433
Broad Run$1,457
Broadford$1,325
Broadlands$1,361
Broadway$1,169
Brodnax$1,349
Brooke$1,397
Brookneal$1,349
Brownsburg$1,193
Brucetown$1,241
Bruington$1,349
Buchanan$1,265
Buckhall$1,457
Buckingham$1,385
Buena Vista$1,157
Buffalo Junction$1,349
Bull Run$1,445
Bumpass$1,385
Burgess$1,289
Burke$1,553
Burke Centre$1,553
Burkes Garden$1,361
Burkeville$1,385
Burnsville$1,241
Burr Hill$1,409
Callands$1,373
Callao$1,289
Callaway$1,337
Calverton$1,445
Camptown$1,361
Cana$1,241
Cape Charles$1,337
Capeville$1,325
Capron$1,361
Cardinal$1,301
Caret$1,349
Carrollton$1,373
Carrsville$1,361
Carson$1,361
Cartersville$1,433
Casanova$1,457
Cascade$1,337
Cascades$1,433
Castleton$1,421
Castlewood$1,337
Catawba$1,193
Catharpin$1,457
Catlett$1,445
Cave Spring$1,229
Cedar Bluff$1,349
Center Cross$1,337
Centreville$1,505
Ceres$1,325
Chamberlayne$1,409
Champlain$1,337
Chantilly$1,481
Charles City$1,349
Charlotte Court House$1,385
Charlottesville$1,349
Chase City$1,349
Chatham$1,349
Chatmoss$1,337
Check$1,325
Cheriton$1,325
Cherry Hill$1,505
Chesapeake$1,373
Chester$1,385
Chester Gap$1,385
Chesterfield$1,409
Chilhowie$1,253
Chincoteague$1,337
Chincoteague Island$1,337
Christchurch$1,313
Christiansburg$1,157
Church Road$1,385
Church View$1,301
Churchville$1,205
Claremont$1,349
Clarksville$1,349
Claudville$1,301
Claypool Hill$1,361
Clear Brook$1,253
Cleveland$1,361
Clifford$1,277
Clifton$1,529
Clifton Forge$1,193
Clinchco$1,433
Clintwood$1,457
Clover$1,361
Cloverdale$1,217
Cluster Springs$1,325
Cobbs Creek$1,301
Coeburn$1,337
Coleman Falls$1,277
Coles Point$1,337
Collinsville$1,337
Colonial Beach$1,385
Colonial Heights$1,361
Columbia$1,433
Concord$1,313
Copper Hill$1,325
Corbin$1,397
Countryside$1,421
County Center$1,505
Courtland$1,349
Covesville$1,349
Covington$1,193
Craddockville$1,361
Craigsville$1,229
Crewe$1,397
Criders$1,193
Crimora$1,217
Cripple Creek$1,229
Critz$1,313
Crockett$1,241
Cross Junction$1,265
Crosspointe$1,553
Crozet$1,337
Crozier$1,421
Crystal Hill$1,349
Cullen$1,361
Culpeper$1,397
Cumberland$1,433
Dahlgren$1,361
Dahlgren Center$1,361
Dale City$1,493
Daleville$1,229
Damascus$1,229
Dante$1,397
Danville$1,337
Davenport$1,409
Davis Wharf$1,349
Dayton$1,169
Deerfield$1,217
Delaplane$1,409
Deltaville$1,301
Dendron$1,397
Dewitt$1,385
Diggs$1,301
Dillwyn$1,397
Dinwiddie$1,361
Disputanta$1,349
Doe Hill$1,229
Dogue$1,361
Dolphin$1,373
Dooms$1,193
Doran$1,349
Doswell$1,349
Drakes Branch$1,349
Dranesville$1,433
Draper$1,277
Drewryville$1,349
Dry Fork$1,337
Dryden$1,313
Dublin$1,241
Duffield$1,325
Dugspur$1,277
Dulles$1,397
Dulles Town Center$1,421
Dumbarton$1,397
Dumfries$1,505
Dundas$1,385
Dungannon$1,349
Dunn Loring$1,505
Dunnsville$1,337
Dutton$1,313
Dyke$1,337
Eagle Rock$1,241
Earlysville$1,337
East Highland Park$1,505
East Lexington$1,157
East Stone Gap$1,277
Eastville$1,337
Ebony$1,349
Edinburg$1,181
Edwardsville$1,301
Eggleston$1,277
Elberon$1,385
Elk Creek$1,265
Elkton$1,205
Elkwood$1,421
Elliston$1,181
Emory$1,241
Emporia$1,361
Enon$1,373
Esmont$1,373
Etlan$1,361
Ettrick$1,385
Evergreen$1,301
Evington$1,301
Ewing$1,349
Exmore$1,337
Faber$1,349
Fair Lakes$1,493
Fair Oaks$1,493
Fairfax$1,517
Fairfax Station$1,529
Fairfield$1,181
Fairlawn$1,205
Falls Church$1,529
Falls Mills$1,349
Falmouth$1,361
Fancy Gap$1,229
Farmville$1,361
Farnham$1,289
Ferrum$1,325
Fieldale$1,325
Fincastle$1,265
Fishers Hill$1,217
Fishersville$1,181
Fleet$1,529
Flint Hill$1,433
Floris$1,469
Floyd$1,325
Ford$1,409
Forest$1,253
Fork Union$1,409
Fort Belvoir$1,565
Fort Blackmore$1,325
Fort Defiance$1,193
Fort Eustis$1,361
Fort Hunt$1,541
Fort Lee$1,337
Fort Mitchell$1,373
Fort Monroe$1,409
Fort Myer$1,481
Fort Valley$1,217
Foster$1,313
Franconia$1,541
Franklin$1,349
Franklin Farm$1,469
Franktown$1,349
Fredericksburg$1,385
Free Union$1,337
Freeman$1,349
Fries$1,241
Front Royal$1,277
Fulks Run$1,157
Gainesville$1,433
Galax$1,217
Gargatha$1,337
Gasburg$1,361
Gate City$1,337
George Mason$1,517
Glade Hill$1,337
Glade Spring$1,241
Gladstone$1,337
Gladys$1,301
Glasgow$1,193
Glen Allen$1,349
Glen Lyn$1,313
Glen Wilton$1,217
Gloucester$1,301
Gloucester Courthouse$1,313
Gloucester Point$1,301
Goldvein$1,445
Goochland$1,433
Goode$1,289
Goodview$1,337
Gordonsville$1,385
Gore$1,265
Goshen$1,193
Great Falls$1,517
Green Bay$1,361
Greenbackville$1,337
Greenbriar$1,481
Greenbush$1,361
Greenville$1,193
Greenway$1,529
Greenwood$1,337
Gretna$1,337
Grimstead$1,289
Grottoes$1,193
Groveton$1,553
Grundy$1,445
Gum Spring$1,409
Gwynn$1,301
Hacksneck$1,349
Hadensville$1,385
Hague$1,337
Halifax$1,337
Hallieford$1,289
Hallwood$1,349
Hamilton$1,373
Hampden Sydney$1,349
Hampton$1,409
Hanover$1,337
Harborton$1,349
Hardy$1,289
Hardyville$1,301
Harrisonburg$1,157
Harriston$1,193
Hartfield$1,301
Hayes$1,301
Hayfield$1,529
Haymarket$1,457
Haynesville$1,301
Haysi$1,445
Haywood$1,373
Head Waters$1,241
Heathsville$1,289
Henrico$1,397
Henry$1,325
Herndon$1,445
Highland Springs$1,457
Hillsville$1,241
Hiltons$1,313
Hinton$1,169
Hiwassee$1,277
Hollins$1,217
Hollymead$1,349
Honaker$1,361
Hood$1,349
Hopewell$1,349
Horntown$1,349
Horse Pasture$1,337
Horsepen$1,361
Hot Springs$1,205
Howardsville$1,397
Huddleston$1,337
Hudgins$1,289
Hume$1,433
Huntington$1,541
Huntly$1,397
Hurley$1,457
Hurt$1,313
Hustle$1,337
Hybla Valley$1,577
Idylwood$1,481
Independence$1,241
Independent Hill$1,469
Indian Valley$1,313
Innsbrook$1,361
Iron Gate$1,193
Irvington$1,289
Isle of Wight$1,421
Ivanhoe$1,241
Ivor$1,361
Ivy$1,325
Jamaica$1,301
James Store$1,313
Jamesville$1,409
Jarratt$1,349
Java$1,361
Jeffersonton$1,433
Jenkins Bridge$1,421
Jersey$1,349
Jetersville$1,421
Jewell Ridge$1,361
Jolivue$1,181
Jonesville$1,337
Keeling$1,337
Keen Mountain$1,421
Keene$1,361
Keezletown$1,181
Keller$1,361
Kenbridge$1,397
Kents Store$1,373
Keokee$1,337
Keswick$1,349
Keysville$1,385
Kilmarnock$1,289
King and Queen Court House$1,337
King George$1,373
King William$1,337
Kings Park$1,577
Kings Park West$1,529
Kingstowne$1,529
Kinsale$1,325
La Crosse$1,325
Lacey Spring$1,169
Lackey$1,277
Ladysmith$1,373
Lake Barcroft$1,565
Lake Caroline$1,373
Lake Holiday$1,253
Lake Land'Or$1,373
Lake Monticello$1,361
Lake of the Woods$1,397
Lake Ridge$1,505
Lake Wilderness$1,385
Lakeside$1,385
Lambsburg$1,241
Lancaster$1,301
Laneview$1,313
Lanexa$1,289
Lansdowne$1,361
Laurel$1,373
Laurel Fork$1,277
Laurel Hill$1,553
Lawrenceville$1,373
Lebanon$1,325
Lebanon Church$1,193
Leesburg$1,349
Leon$1,373
Lexington$1,157
Lightfoot$1,265
Lignum$1,433
Lincoln$1,385
Lincolnia$1,589
Linden$1,325
Linton Hall$1,445
Linville$1,169
Little Plymouth$1,313
Lively$1,301
Loch Lomond$1,469
Locust Dale$1,373
Locust Grove$1,409
Locust Hill$1,301
Locustville$1,349
Long Branch$1,517
Long Island$1,325
Loretto$1,349
Lorton$1,553
Lottsburg$1,289
Loudoun Valley Estates$1,361
Louisa$1,397
Lovettsville$1,385
Lovingston$1,349
Low Moor$1,181
Lowes Island$1,457
Lowry$1,277
Lunenburg$1,373
Luray$1,217
Lynch Station$1,301
Lynchburg$1,241
Lyndhurst$1,205
Machipongo$1,337
Madison$1,361
Madison Heights$1,241
Maidens$1,445
Manakin Sabot$1,409
Manassas$1,469
Manassas Park$1,481
Manchester$1,421
Mannboro$1,433
Manquin$1,361
Mantua$1,553
Mappsville$1,325
Marion$1,253
Marionville$1,325
Markham$1,409
Marshall$1,445
Martinsville$1,325
Marumsco$1,517
Maryus$1,325
Mascot$1,313
Mason Neck$1,565
Massanetta Springs$1,145
Massanutten$1,181
Mathews$1,301
Matoaca$1,385
Mattaponi$1,301
Maurertown$1,169
Mavisdale$1,433
Max Meadows$1,241
Maxie$1,433
McClure$1,445
McCoy$1,193
McDowell$1,253
McGaheysville$1,181
McKenney$1,373
McLean$1,505
McNair$1,469
Meadow View$1,241
Meadowbrook$1,433
Meadows of Dan$1,313
Meadowview$1,241
Mears$1,325
Mechanicsville$1,337
Meherrin$1,361
Melfa$1,349
Mendota$1,265
Meredithville$1,361
Merrifield$1,541
Merrimac$1,145
Merry Point$1,301
Middlebrook$1,217
Middleburg$1,409
Middletown$1,229
Midland$1,445
Midlothian$1,385
Milford$1,385
Millboro$1,229
Millers Tavern$1,337
Millwood$1,253
Mineral$1,421
Mint Spring$1,181
Mitchells$1,397
Modest Town$1,337
Mollusk$1,313
Moneta$1,325
Monroe$1,289
Montclair$1,493
Montebello$1,325
Monterey$1,253
Montpelier$1,349
Montpelier Station$1,361
Montrose$1,445
Montross$1,349
Montvale$1,325
Moon$1,301
Morattico$1,301
Moseley$1,421
Motley$1,313
Mount Crawford$1,169
Mount Holly$1,325
Mount Jackson$1,193
Mount Sidney$1,193
Mount Solon$1,205
Mount Vernon$1,565
Mouth of Wilson$1,265
Mustoe$1,241
Narrows$1,301
Naruna$1,301
Nassawadox$1,325
Nathalie$1,361
Natural Bridge$1,193
Natural Bridge Station$1,217
Naval Weapons Station$1,277
Neabsco$1,505
Nellysford$1,349
Nelson$1,349
Nelsonia$1,349
New Baltimore$1,433
New Canton$1,421
New Castle$1,241
New Church$1,337
New Hope$1,205
New Kent$1,325
New Market$1,181
New Point$1,301
New River$1,277
Newbern$1,253
Newington$1,565
Newington Forest$1,565
Newport$1,253
Newport News$1,361
Newsoms$1,349
Newtown$1,373
Nickelsville$1,337
Ninde$1,325
Nokesville$1,433
Nora$1,433
Norfolk$1,481
Norge$1,301
North$1,313
North Garden$1,361
North Shore$1,313
North Springfield$1,589
North Tazewell$1,349
Norton$1,277
Norwood$1,337
Nottoway$1,385
Nuttsville$1,289
Oak Grove$1,409
Oak Hall$1,373
Oakpark$1,373
Oakton$1,493
Oakwood$1,445
Oilville$1,445
Oldhams$1,325
Onancock$1,349
Onemo$1,301
Onley$1,349
Ophelia$1,289
Orange$1,385
Ordinary$1,289
Oriskany$1,241
Orkney Springs$1,205
Orlean$1,457
Oyster$1,325
Paeonian Springs$1,373
Paint Bank$1,229
Painter$1,337
Palmyra$1,361
Pamplin$1,313
Pantops$1,349
Paris$1,325
Parksley$1,337
Parrott$1,277
Partlow$1,385
Patrick Springs$1,301
Pearisburg$1,265
Pembroke$1,265
Penhook$1,361
Penn Laird$1,169
Pennington Gap$1,325
Petersburg$1,361
Phenix$1,397
Philomont$1,397
Pilgrims Knob$1,445
Pilot$1,205
Pimmit Hills$1,481
Piney River$1,337
Pittsville$1,373
Pleasant Valley$1,181
Plum Creek$1,157
Pocahontas$1,349
Poquoson$1,313
Port Haywood$1,301
Port Republic$1,181
Port Royal$1,385
Portsmouth$1,445
Potomac Mills$1,505
Pound$1,301
Pounding Mill$1,361
Powhatan$1,433
Pratts$1,373
Prince George$1,349
Prospect$1,349
Providence Forge$1,337
Pulaski$1,253
Pungoteague$1,349
Purcellville$1,385
Quantico$1,433
Quantico Base$1,445
Quicksburg$1,181
Quinby$1,349
Quinque$1,349
Quinton$1,325
Radford$1,205
Radiant$1,373
Randolph$1,373
Raphine$1,181
Rapidan$1,385
Rappahannock Academy$1,373
Raven$1,373
Ravensworth$1,577
Rawlings$1,397
Rectortown$1,409
Red Ash$1,349
Red House$1,385
Red Oak$1,361
Redwood$1,301
Reedville$1,289
Remington$1,433
Rescue$1,361
Reston$1,457
Reva$1,373
Rhoadesville$1,409
Rice$1,373
Rich Creek$1,289
Richardsville$1,433
Richlands$1,349
Richmond$1,457
Ridgeway$1,337
Rileyville$1,241
Riner$1,217
Ringgold$1,325
Ripplemead$1,289
Rivanna$1,349
Riverview$1,301
Rixeyville$1,421
Roanoke$1,229
Rochelle$1,385
Rockbridge Baths$1,193
Rockville$1,361
Rockwood$1,409
Rocky Gap$1,397
Rocky Mount$1,337
Rollins Fork$1,397
Rose Hill$1,469
Rosedale$1,349
Roseland$1,337
Round Hill$1,385
Rowe$1,409
Ruby$1,421
Ruckersville$1,361
Rural Retreat$1,241
Rushmere$1,373
Rustburg$1,289
Ruther Glen$1,373
Ruthville$1,373
Salem$1,193
Saltville$1,253
Saluda$1,313
Sandston$1,397
Sandy Hook$1,409
Sandy Level$1,361
Sandy Point$1,325
Sanford$1,337
Saxe$1,361
Saxis$1,337
Schley$1,325
Schuyler$1,361
Scottsburg$1,337
Scottsville$1,385
Seaford$1,301
Sealston$1,349
Seaview$1,313
Sedley$1,361
Selma$1,181
Seven Corners$1,541
Severn$1,325
Shacklefords$1,313
Sharps$1,301
Shawneeland$1,217
Shawsville$1,193
Shenandoah$1,217
Shenandoah Farms$1,289
Shipman$1,361
Short Pump$1,361
Shortt Gap$1,397
Singers Glen$1,181
Skippers$1,337
Skipwith$1,349
Skyland Estates$1,325
Smithfield$1,373
Somerset$1,385
Somerville$1,421
South Boston$1,325
South Hill$1,325
South Riding$1,457
South Run$1,553
Southern Gateway$1,385
Sparta$1,361
Speedwell$1,253
Spencer$1,325
Sperryville$1,385
Spotsylvania$1,385
Spotsylvania Courthouse$1,397
Spottswood$1,205
Spout Spring$1,301
Spring Grove$1,349
Springfield$1,565
St. Charles$1,337
St. Paul$1,325
St. Stephens Church$1,349
Stafford$1,421
Stafford Courthouse$1,409
Staffordsville$1,265
Stanardsville$1,361
Stanley$1,241
Stanleytown$1,337
Star Tannery$1,253
State Farm$1,457
Staunton$1,181
Steeles Tavern$1,205
Stephens City$1,217
Stephenson$1,229
Sterling$1,409
Stevensburg$1,397
Stevensville$1,337
Stone Ridge$1,421
Stony Creek$1,373
Strasburg$1,193
Stratford$1,385
Stuart$1,301
Stuarts Draft$1,193
Studley$1,337
Sudley$1,457
Suffolk$1,373
Sugar Grove$1,253
Sugarland Run$1,421
Sumerduck$1,445
Surry$1,349
Susan$1,301
Sussex$1,337
Sutherland$1,373
Sutherlin$1,337
Sweet Briar$1,289
Swoope$1,205
Swords Creek$1,349
Syria$1,349
Tangier$1,349
Tannersville$1,337
Tappahannock$1,337
Tasley$1,361
Tazewell$1,349
Temperanceville$1,325
Thaxton$1,301
The Plains$1,433
Thornburg$1,373
Thynedale$1,349
Timberlake$1,265
Timberville$1,181
Toano$1,217
Toms Brook$1,205
Topping$1,301
Townsend$1,325
Trevilians$1,373
Triangle$1,493
Troutdale$1,265
Troutville$1,241
Troy$1,397
Tuckahoe$1,385
Tyro$1,337
Tysons Corner$1,517
Union Hall$1,361
Unionville$1,409
University Center$1,361
University of Virginia$1,349
Upperville$1,421
Urbanna$1,289
Valentines$1,361
Vansant$1,433
Vernon Hill$1,349
Verona$1,193
Vesta$1,301
Vesuvius$1,205
Victoria$1,385
Vienna$1,493
Viewtown$1,397
Villa Heights$1,337
Village$1,337
Villamont$1,253
Vinton$1,229
Virgilina$1,337
Virginia Beach$1,409
Virginia State University$1,385
Wachapreague$1,361
Wake$1,301
Wakefield$1,481
Walkerton$1,361
Wallops Island$1,337
Wardtown$1,337
Ware Neck$1,301
Warfield$1,361
Warm Springs$1,229
Warrenton$1,433
Warsaw$1,277
Washington$1,409
Water View$1,289
Waterford$1,409
Wattsville$1,349
Waverly$1,373
Waynesboro$1,193
Weber City$1,337
Weems$1,289
West Augusta$1,229
West Falls Church$1,529
West Mclean$1,553
West Point$1,325
West Springfield$1,541
Weyers Cave$1,181
White Marsh$1,289
White Plains$1,373
White Post$1,253
White Stone$1,289
Whitetop$1,265
Whitewood$1,445
Wicomico$1,289
Wicomico Church$1,301
Williamsburg$1,253
Williamsville$1,241
Willis$1,337
Willis Wharf$1,337
Wilsons$1,397
Winchester$1,217
Windsor$1,361
Wingina$1,397
Wintergreen$1,349
Wirtz$1,361
Wise$1,289
Withams$1,349
Wolf Trap$1,505
Wolford$1,445
Wolftown$1,385
Woodberry Forest$1,373
Woodbridge$1,505
Woodburn$1,565
Woodford$1,373
Woodlake$1,397
Woodlawn$1,337
Woods Cross Roads$1,289
Woodstock$1,169
Woodville$1,409
Woolwine$1,325
Wylliesburg$1,361
Wyndham$1,361
Wytheville$1,241
Yale$1,373
Yorkshire$1,481
Yorktown$1,301
Zacata$1,361
Zuni$1,373

Cheap auto insurance in Virginia with bad credit

Company Avg. Annual Premium
Nationwide $1,417
The General $1,631
USAA $1,908
State Farm $2,378
Erie $2,527
Progressive $2,773
Allstate $2,942

Virginia auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,525 1% $10
One Med/PIP claim $1,528 1% $13
Not-at-fault accident $1,576 4% $61
Two Med/PIP claims $1,635 8% $121
One comp claim $1,638 8% $123
Two comp claims $1,715 14% $201
Failure to show documents $1,746 16% $231
Driving without lights $1,780 18% $265
Child safety restraint $1,782 18% $277
Driving with expired registration $1,804 19% $289
Failure to wear a seat belt $1,820 20% $305
Failure to yield $1,844 22% $330
Driving too slowly $1,845 22% $331
Cell phone violation $1,849 22% $334
Texting while driving $1,849 22% $334
Failure to stop at a red light $1,849 22% $334
Wrong way/wrong lane $1,851 23% $336
Speeding in school zone $1,852 23% $337
Following too closely $1,852 23% $337
Illegal turn $1,852 23% $338
Improper passing $1,858 23% $343
Speeding 6 - 10 MPH over limit $1,865 23% $340
Speeding 16 - 20 MPH over limit $1,891 25% $376
Speeding 11 - 15 MPH over limit $1,891 25% $376
Passing school bus $1,941 28% $426
Speeding 21 - 25 MPH over limit $2,005 33% $490
Open container $2,065 37% $550
In 65 MPH zone $2,072 37% $557
At-fault accident - less than $1000 $2,094 39% $579
Operating a vehicle without permission $2,249 49% $734
At-fault accident - $1000-$2000 $2,268 50% $753
At-fault accident - greater than $2000 $2,279 51% $764
Reckless driving $2,701 79% $1,186
Racing $2,830 87% $1,315
DUI $3,018 100% $1,503
Refusal to submit to a chemical test $3,018 100% $1,503
Driving with a suspended license $3,145 108% $1,630
Leaving scene of an accident/hit and run $3,189 111% $1,674

Car insurance price trends in Virginia

Year Avg. Annual Premium — Virginia Yearly Change — Virginia Avg. Annual Premium — US Yearly Change — US
2021 $1,077 $51 $1,539 $56
2020 $1,036 $33 $1,493 -$51
2019 $1,013 $50 $1,554 $33
2018 $973 $60 $1,531 $94
2017 $923 $94 $1,447 $79
2016 $839 -$117 $1,378 $98
2015 $966 $37 $1,290 $61
2014 $939 $62 $1,239 $44
2013 $887 $5 $1,205 -$70
2012 $892 -$8 $1,286 $892

How to find the best car insurance in Virginia

Where you work, your age, and your driving record all affect your car insurance premiums. So it's best that you compare prices to get the best cheap car insurance in Virginia. Make sure you take into account:

  • Minimum criteria for Virginia auto insurance – will they satisfy the requirements, or do you need more coverage?
  • Your way of life, your age, your driving and making, and your car model
  • The insurer's reliability

You will find the right provider for your needs if you consider these points. There are some tips to help you find the most affordable insurance in Virginia:

  • Look around: Comparison shopping is appropriate because each provider weighs premium variables and rate factors differently.
  • Compare discounts: Once you've decided who the cheapest providers are, you can look at deals. Consider the ones that matter to you and for which you might be qualified. You will need to meet with a company representative to determine what you are eligible for and how much money you will save.
  • Increase your deductible: If you increase your deductible, make sure you have enough money in your savings account to cover it if you file a lawsuit.
  • Enhance your credit score: It takes time to improve your credit score. When your policy is up for renewal, always clean up your credit score.

See what you could save on auto insurance

Reasons Why Auto Insurance Costs More in Virginia

Full coverage car insurance costs $1311 per year in Virginia, while minimal coverage costs $450 per year. Although Virginia's car insurance prices are already lower than those in other adjacent states, you may be able to get a better deal from one of the state's cheapest car insurance companies.

Knowing what factors influence your premium may give you a better sense of control over your insurance costs. Car insurance costs in Virginia are influenced by your area, age, driving history, and car insurance company you choose.

Things to Know About Car Insurance When Moving to Virginia

These steps will provide you with the necessary information to drive on Virginia's roads:

  • Apply for a driver's license in Virginia.
  • Obtain a safety inspection sticker for your car.
  • Meet Virginia's emissions inspection standards (it must meet Virginia's emissions regulations).
  • Virginia's car insurance requirements must be met (your car must be insured when you register it).
  • You must register your car (do this within 30 days of moving to Virginia).
  • Get your car registered and license plates (do this within 30 days of moving to Virginia).
  • Obtain a sticker or decal from your neighborhood (do this within 30 days of moving to Virginia).

How to Get Discounts on Car Insurance in Virginia

Almost anybody in Virginia may save money on car insurance since most insurance companies make it simple to qualify for a range of auto insurance discounts. Car insurance companies in Virginia often offer three types of discounts: policy, driver, and vehicle.

Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest car insurance in Virginia?

The Virginia Farm's best prices are $359 a year or $30 per month for limited coverage.

How much is car insurance in Virginia?

Virginia's average prices for six-month plans are $453. You will find much cheaper rates for liability alone. The 6-month policy average premiums are $192.

How much is car insurance a month in Virginia?

You can vary in your prices. As a good driver in Virginia, your insurance rates could be as low as $50 per month if you get coverage from the Virginia Farm Bureau. However, the prices may be higher. Our data show that Virginia's average successful driver pays about $82 a month for car insurance.

Do you need car insurance in Virginia?

Under Virginia regulation, drivers must receive or pay an uninsured car insurance premium for the minimum auto insurance requirement. You need at least: if you plan to get the minimum insurance coverage required, then:

  • $20000 property loss coverage.
  • $25000 body injury compensation (per person)
  • $50000 body injury compensation (per accident)

What is the minimum insurance required in Virginia?

In Virginia, it is illegal to drive a vehicle without at least the minimum level of civil liability coverage:

  • Body injury: $25000 per capita and $50000 per accident.
  • Damage to the property: $20000.
  • Body injury: $25000 per person and $50000 per accident.

Can you drive a car without insurance in Virginia?

Although driving without Virginia's car insurance is legal, this can lead to drawbacks. Before registering or using a motor vehicle, any driver must buy insurance or pay a separate driving fee with no insurance.

How long can you go without car insurance in VA?

The premium does not, as does insurance, offer financial support but allows you to drive at a time for up to 12 months without insurance. You can get a notice of these fines if you are caught driving without a form of financial responsibility.

What happens if you don't have car insurance in Virginia?

Virginia allows all car owners to have minimum insurance amounts or pay a tax of $500 for uninsured cars. The State of Virginia will convict you on a misdemeanor of class 3, charge you a fine of $500 and take your license, registration for the car, and license plates.

Does insurance follow the car or driver in Virginia?

In Virginia, auto insurance generally follows the car. In Virginia, auto insurance forms include body injury liability, personal injury liability, uninsured motorist safety, accident, and a comprehensive insurance policy.

Is Virginia a no-fault state?

No, Virginia is not a no-fault state. Virginia is an at-fault (or tort) state. This implies that the driver who causes an accident uses his insurance to cover the other driver's crash bills. Police and insurance firms use the facts to determine who is responsible for the accident.

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