Travelers is Virginia's best car insurance company, earning a MoneyGeek score of 4.77 out of 5 for its strong mix of affordable rates, quality service and solid coverage options. Since insurance needs vary by driver, we also recommend exploring Auto-Owners, Erie, Farm Bureau and Mercury.
Best Car Insurance in Virginia
Updated: August 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Virginia is Travelers, ranking first in affordability.
Erie offers the best coverage for drivers with bad credit in Virginia, while Travelers is the top choice for those with new cars.
To find the best car insurance in Virginia, decide on coverage needs first, research provider costs and compare plenty of quotes from multiple companies.
Best Car Insurance Companies in Virginia
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Virginia by Driver Profile
Travelers leads in five out of ten driver categories in Virginia, including adult drivers, seniors and high-risk drivers. Auto-Owners follows with four category wins, while Erie offers the best rates for drivers with bad credit.
| Young Drivers | Auto-Owners | 3 | 1 | 7 |
| Adult Drivers | Travelers | 1 | 3 | 5 |
| Senior Drivers | Travelers | 1 | 3 | 5 |
| Drivers With an Accident | Travelers | 2 | 3 | 5 |
| Drivers With a DUI | Travelers | 2 | 3 | 5 |
| Drivers With a Speeding Ticket | Auto-Owners | 2 | 1 | 7 |
| Drivers With Bad Credit | Erie | 2 | 2 | 3 |
| Drivers With Low Income | Auto-Owners | 1 | 1 | 7 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 4 |
| Drivers With Old Cars | Auto-Owners | 2 | 1 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Virginia Car Insurance Recommendations
Our general recommendations provide a starting point, but your specific profile might need different coverage options. Compare these five top-rated providers to find coverage that matches your unique needs.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto-Owners | 4.74 | $194 | 1 | 7 |
| Erie | 4.51 | $263 | 2 | 3 |
| Travelers | 4.46 | $255 | 3 | 5 |
| Penn National Insurance | 4.39 | $166 | 11 | 5 |
| Farm Bureau | 4.23 | $233 | 5 | 9 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Virginia Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance providers below.
Travelers
Best Cheap Overall in Virginia
MoneyGeek Rating
4.8/ of 5
5/5Affordability
4.6/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$61For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$30For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Auto-Owners
Best Customer Experience in Virginia
MoneyGeek Rating
4.7/ of 5
4.7/5Affordability
5/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$76For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$45For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
How to Find the Best Car Insurance in Virginia
Finding affordable car insurance in Virginia takes time, but our guide simplifies your search for the right coverage.
- 1
Decide on Coverage Needs Before You Buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Consider your driving habits, location and finances when deciding on auto insurance while meeting Virginia required minimums.
- 2
Research Average Costs and Discounts
Start by researching average car insurance costs in Virginia to understand typical rates for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can provide additional savings on your premium.
- 3
Review Provider Experiences and Coverage Options
Search for customer feedback and review company coverage options.
- 4
Explore Alternative Coverage Options
Consider specialized options like non-owner car insurance or pay-per-mile policies if they better suit your needs. If you require an SR-22 in Virginia, factor this into your provider selection.
- 5
Compare Multiple Quotes
You can find the cheapest option possible by looking at quotes from insurers and online.
- 6
Review Coverage Annually
Review coverage options each year and see if you can find a better deal.
Best Virginia Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while Auto-Owners and Erie are also good options for drivers in Virginia.
Best Auto Insurance in Virginia: FAQ
Your ideal car insurance depends on your specific needs, so we'll answer common questions to help you select coverage that fits your situation.
What is the best car insurance company in Virginia?
Travelers stands as Virginia's leading car insurance company, earning a MoneyGeek score of 4.77 out of 5 and offering full coverage at an average monthly rate of $61.
What is the best car insurance company for minimum coverage in Virginia?
Travelers provides the lowest-cost minimum coverage in Virginia with an average rate of $360 per year.
What is the best car insurance in Virginia for young drivers?
Auto-Owners provides the best insurance for young adults in Virginia, combining competitive rates at $975 per year with excellent customer service ratings.
What is the best car insurance for Virginia drivers who value customer service?
Auto-Owners ranks highest for customer experience in Virginia with a score of 5 out of 5. The company stands out for its efficient buying process, responsive agent service, user-friendly policy tools and reliable claims handling.
What is the best car insurance in Virginia if you have driving offenses?
Auto-Owners is the leading choice for Virginia drivers with a speeding ticket, offering monthly rates of $50 for minimum coverage and $85 for full coverage policies.
How We Rated the Best Car Insurance in Virginia
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Virginia. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Virginia. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Virginia-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.