The Best Car Insurance in Virginia for 2022
The best car insurance companies provide a balance between affordability, customer satisfaction and financial stability. According to MoneyGeek’s scoring system, Progressive is Virginia’s best car insurance company. This provider ranked first in affordability, tied in second place for claims and tied third for customer satisfaction.
However, the best auto insurer for you may vary based on your profile. GEICO is our pick for customer service and drivers on a budget, while State Farm has the highest scores for drivers with a bad driving record.
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The Best Car Insurance in Virginia
MoneyGeek also analyzed the cheapest car insurance companies in Virginia for drivers looking for the most affordable option, regardless of the quality of their service.
Why Trust MoneyGeek? Our scoring system for car insurance in Virginia incorporates thousands of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.
Best Full Coverage Car Insurance Companies in Virginia: Overall
The best auto insurance companies in Virginia are Progressive and GEICO.
MoneyGeek scored the best car insurance companies based on average premium rates, claims ratings and user satisfaction. Based on these factors, the top companies in Virginia are:
- Progressive: MoneyGeek score of 84 out of 100 (approximately $504 per year)
- GEICO: MoneyGeek score of 84 out of 100 (approximately $670 per year)
USAA received a MoneyGeek score of 93 out of 100, making it one of the best insurance companies in Virginia. However, we did not include the company in this analysis because only military members and their families qualify for its policies.
We also studied the most affordable full coverage car insurance in Virginia to help you find the lowest rates.
THE TOP CAR INSURANCE COMPANIES IN VIRGINIA
At an average annual cost of $504, Progressive ranked first in affordability, second in claims and tied for third in customer satisfaction. The company offers custom parts coverage to its customers.
Average Annual Cost: $504
Progressive offers custom parts coverage as an add-on, which is rare among auto insurance companies. This pays to replace or repair aftermarket accessories like stereo equipment, navigation systems, custom wheels, paint jobs or any other parts not installed by the original manufacturer. It typically applies a $5,000 limit. Additionally, Progressive allows you to include gap insurance to your car insurance policy. If your car gets totaled or stolen, this coverage pays for the difference between your car’s depreciated value and your auto loan balance. If you’re a rideshare company employee, you can also add rideshare insurance to your Progressive policy. This fills the insurance pause that happens while you’re waiting to match with a rider so that you aren’t left unprotected during your downtime.
A car insurance policy from GEICO costs an average of $670 per year. The company has the second-highest affordability rating, ranked highest for customer satisfaction and tied for second place in claims. GEICO also offers mechanical breakdown insurance (MBI).
Average Annual Cost: $670
You can add mechanical breakdown insurance to your GEICO policy. This is a rare add-on protection that covers all your car’s parts and systems. It extends beyond the specific list of items covered by your dealer's warranty. You can include this coverage to your policy if your car is less than 15 months old and under 15,000 miles. Notably, MBI is typically more affordable compared to a dealer’s extended warranty. GEICO also offers accident forgiveness as an add-on coverage. By getting this optional rider, your insurance premiums won’t increase after your first at-fault accident. You can purchase this protection, but if you’re over 21 years old and have had no accidents on your record for more than five years, you can get accident forgiveness coverage for free.
With an average yearly cost of $744, State Farm ranked fourth in affordability, second for customer satisfaction and tied in second place for claims. The provider also offers rideshare insurance.
State Farm's rideshare insurance covers medical costs, emergency roadside assistance and rental car reimbursement while working for ridesharing companies. Drivers' personal policy deductibles apply for this coverage. While you’re transporting a ride, all coverage except liability insurance remains.
Travelers charges an average price of $849 every year for coverage. The company ranked fifth for affordability, first for claims and tied for third place in customer satisfaction. Travelers also features gap insurance.
Traveler’s gap insurance covers losses on financed or leased vehicles. If your vehicle becomes damaged in an accident, the company pays the difference between the cash value of the vehicle and the auto loan or lease. This add-on coverage costs more to include in your policy.
Nationwide provides insurance at an average annual cost of $714. It has the third-highest affordability score, tied at second place for claims and tied at third for customer satisfaction. Nationwide also features identity theft coverage.
Nationwide’s identity theft coverage reimburses up to $25,000 in expenses if the customer or anyone in their household is a victim of identity theft and fraud. Insurers rarely offer this optional, additional coverage.
To determine the cost of a full coverage policy, MoneyGeek collected full-coverage policy quotes for a sample driver across different locations in Virginia. We also collected claims ratings and user satisfaction data from J.D. Power and the National Association of Insurance Commissioners (NAIC). These averages may differ depending on your profile. Our methodology page offers additional insight into our analysis.
MoneyGeek's Virginia Car Insurance Resources:
Best Car Insurance in Virginia for Customer Service
MoneyGeek’s analysis found that the top car insurance companies in Virginia for customer service are GEICO and Travelers. Both companies received the same score.
- GEICO: MoneyGeek score of 87 out of 100
- Travelers: MoneyGeek score of 87 out of 100
MoneyGeek scored car insurance companies for this category in Virginia based on claims and customer satisfaction ratings without considering costs.
THE TOP TWO CAR INSURANCE COMPANIES IN VIRGINIA FOR SERVICE QUALITY
GEICO tied for first place in customer satisfaction, with a rating of 4.5 out of 5, and tied in second for claims, with a rating of 4 out of 5.
Based on our research, GEICO offers excellent customer service, which is valuable if you are looking for an insurance company. This is because most people typically work with insurers during times of crisis. GEICO also offers unique add-on coverages that aren’t typically offered by most auto insurance providers. Notably, you can include mechanical breakdown insurance (MBI) in your insurance policy if your car is less than 15 months old and has fewer than 15,000 miles. MBI covers all parts and systems in your car. Additionally, GEICO allows you to add accident forgiveness coverage to your car insurance policy. This optional add-on protects you from rate increases after your first at-fault accident. If you’re over 21 years old and accident-free for the past five years, you can get this coverage for free.
Travelers has the highest claims rating at 5 out of 5 and tied in third place for customer satisfaction, with a rating of 3.5 out of 5.
Travelers offers add-on coverages that are rarely provided by auto insurance companies. These increase the value of your auto insurance policy and extends the protections you receive. Notably, Travelers features new car replacement coverage as an optional rider. This allows you to receive a brand new car of the same make and model if your vehicle becomes totaled during your first five years of ownership. If your car is financed or leased, you can include gap insurance in your Travelers auto insurance policy. This add-on coverage pays for the difference between your vehicle’s cash value and your car loan’s or lease’s unpaid balance. In addition, you can get accident forgiveness coverage from Travelers. This rider prevents a rate increase after your first accident within a specified period.
Best Car Insurance in Virginia for Minimum Coverage
The top-rated companies in Virginia for drivers on a budget are:
- GEICO: MoneyGeek score of 89 out of 100 (approximately $350 per year)
- Progressive: MoneyGeek score of 84 out of 100 (approximately $333 per year)
MoneyGeek analyzed the best car insurance companies in Virginia for budget-minded drivers using the state minimum required coverage. We scored insurers based on affordability and customer service.
We also evaluated the cheapest minimum coverage car insurance in Virginia to help drivers who are focused on finding the best rates.
MoneyGeek’s Pick: GEICO
Affordable car insurance policy at $350 per year
Offers multiple car and bundling discounts
Offers discounts on defensive driving
Claims rating of 4 out of 5
User satisfaction rating of 4.5 out of 5OLD PAGE
Does not offer a discount on paperless billing or full annual payment
GEICO offers various discounts, which can help drivers lower their rates. If you are looking for ways to save money, GEICO is worth considering.
Notably, this insurer provides discounts to drivers who have been accident-free for five years. You can also get a discount by bundling your auto insurance policy with GEICO’s other insurance products or by insuring more than one car.
In addition, you can get a discount on your premiums if you have certain pieces of equipment installed in your car. You can lower your car insurance premiums by having airbags, anti-lock brakes or an anti-theft system in your vehicle.
You also get a discount if you have a new vehicle. Beyond that, if you are a teacher or are in the military, GEICO offers discounts.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Virginia for Young Drivers and Students
- Progressive: MoneyGeek score of 84 out of 100
- Nationwide: MoneyGeek score of 67 out of 100
These companies were scored based on the cost of their policies and customer service records. Younger drivers lack experience, causing insurers to consider them riskier to insure, which makes finding a low-cost policy difficult.
For this category, MoneyGeek’s evaluation included rates for drivers in their late teens or early 20s, covering both high schoolers and college students.
If you’re looking to increase your savings, MoneyGeek also analyzed the cheapest car insurance in Virginia for young drivers and students.
MoneyGeek’s Pick: Progressive
Affordable company to add a young driver at an average of $1,293 per year
Offers student and distant student discounts
Claims rating of 4 out of 5
Does not offer a driver's education discount
User satisfaction rating of 3.5 out of 5
Adding a young driver to a full coverage policy can be very costly, but Progressive features affordable rates while maintaining strong customer service.
Due to their driving inexperience, young drivers are more likely to get involved in accidents, increasing the probability that they will have to contact an insurer’s customer service. Thus, the quality of the company’s customer service is a crucial element in our rankings for young drivers.
Beyond their stellar customer service, Progressive offers discounts to students who have strong academic records. You get a discount if you have an average of B or higher.
Young drivers living more than 100 miles away from home for their studies and who don’t have vehicles at their school also get a discount on their auto insurance policies.Read MoneyGeek's Progressive Auto Insurance Review
Best Car Insurance in Virginia for Seniors
MoneyGeek analyzed the best car insurance providers for Virginia seniors based on premiums and quality of customer service. The highest performing companies are:
- Erie: MoneyGeek score of 89 out of 100 (approximately $699 per year)
- Progressive: MoneyGeek score of 84 out of 100 (approximately $567 per year)
The scores we provided in this category reflected the provider’s affordability and customer service reputation.
If you’re focused on price, we also listed the cheapest car insurance providers for seniors in Virginia.
MoneyGeek’s Pick: Erie
One of the most affordable companies for seniors at $699 per year
Offers new car replacement, accident forgiveness and rental car coverages as add-ons
MoneyGeek claims and user satisfaction ratings of 5 out of 5
Doesn’t offer senior or defensive driving discounts
Doesn’t offer roadside assistance coverage, gap insurance and deductible modification coverage
Generally, seniors have higher car insurance rates compared to average drivers. Fortunately, Erie provides a combination of affordable rates and great customer service. The company stands out for achieving perfect marks for MoneyGeek’s claims and user satisfaction ratings.
In addition, Erie offers add-on coverages that are useful for senior drivers. You can include rental car coverage in your car insurance policy. This pays for the travel expenses you’ll incur if an accident makes your car unusable.
Erie also allows you to get auto security coverage. It’s an optional coverage that replaces your vehicle with the newest model if your car gets totaled and you’ve had it for less than two years. Additionally, if you’ve had your car for over two years, this coverage pays for a model that’s two years newer.Read MoneyGeek's Erie Auto Insurance Review
Best Car Insurance in Virginia for Bad Driving Records
The top car insurance companies in Virginia for people with poor driving records are:
- State Farm: MoneyGeek score of 87 out of 100 (approximately $884 per year)
- GEICO: MoneyGeek score of 87 out of 100 (approximately $995 per year)
MoneyGeek scored these car insurance companies for drivers with an at-fault accident on their record in Virginia based on cost and customer service quality. These companies balance affordability and customer service after an accident.
If you’re looking for the lowest premiums, we also analyzed Virginia’s cheapest auto insurance for drivers with a DUI or a bad record.
MoneyGeek’s Pick: State Farm
An affordable policy for people with a bad driving record at an average of $884 per year
Offers roadside assistance coverage and rental car or travel reimbursement
Claims and user satisfaction ratings of 4 out of 5
Does not offer accident forgiveness, new car and better car replacement, gap insurance or deductible modification
MoneyGeek’s research indicates that State Farm has the best car insurance policy in Virginia for drivers with bad driving records. On average, it costs $884 per year and received a MoneyGeek score of 4 out of 5 for both claims and user satisfaction.
In addition, the company offers the following optional coverages, which may be useful for drivers with bad driving records:
- Roadside Assistance: This coverage pays for expenses incurred if your vehicle becomes stranded on the road. This extends to mechanical labor, towing charges, delivery fees and locksmith payments.
- Rental Car or Travel Expenses Reimbursement: This feature pays for a rental car or any transportation expenses while your car is being repaired after damages caused by a covered loss.
Best Car Insurance in Virginia for a Military Background
MoneyGeek’s research shows that USAA is the best car insurance company in Virginia for veterans and military families, with a score of 93 out of 100. The company charges an average of $333 for a minimum coverage policy and $664 per year, on average, for a military driver with a full coverage policy.
MoneyGeek’s Pick: USAA
Affordable full coverage policy for individuals with bad driving records, at an average of $972 per year
Offers rideshare insurance and defensive driving discount
Claims and user satisfaction rating of 5 out of 5
Only military families are eligible for a policy
USAA has one of the best reputations in Virginia and across the United States. The company is known to provide affordable car insurance policies and strong customer service.
USAA also features the following discounts and coverage:
- Rideshare Insurance: This coverage pays for any losses or damages incurred in case of an accident while you’re waiting for a rideshare request.
- Accident Forgiveness: Drivers who remain accident-free for five years do not suffer from rate increases after their first at-fault accident. Note that this coverage may be free for some drivers but may require payment for others.
- Multiple Car Discount: Customers can save money on car insurance premiums by insuring more than one car with the company.
- New Vehicle Discount: If your car is three years old or newer, USAA may offer lower insurance premiums.
Best Car Insurance in Virginia for Those With New Cars
In Virginia, Travelers is the best insurance company for drivers with new cars. It received a MoneyGeek score of 76 out of 100 (approximately $849 annually).
MoneyGeek chose Travelers as the best option in Virginia with a new car in part because of its premier new car replacement add-on coverage. With premier new car replacement coverage, drivers receive a new vehicle of the same make and model after a total covered loss within the first few years.
The company typically compensates you according to the actual value of the new car, not the depreciated value of the totaled car.
MoneyGeek’s Pick: Travelers
Offers new car replacement coverage
Claims rating of 5 out of 5
Expensive policies at $849 per year
User satisfaction rating of 3.5 out of 5
Does not offer better car replacement
Travelers is a good fit for people who have new cars. Once you drive your vehicle off the lot, it begins to lose value. With Travelers, drivers can receive compensation for the original value of their vehicles in case of an accident within the first few years.
Drivers can include Premier New Car Replacement coverage on their Travelers car insurance. This optional coverage pays the cost of replacing your vehicle with a brand new unit of the same make and model if it gets totaled in its first five years.
Additionally, Travelers offers gap insurance as a rider. If you include this in your auto insurance policy, you’re protected from costs resulting from the difference between your car’s cash value and unpaid auto loan balance in case your vehicle becomes totaled.Read MoneyGeek's Travelers Auto Insurance Review
Best Car Insurance in Virginia for Low-Mileage Drivers
In Virginia, Metromile is the best auto insurance choice for low-mileage drivers. Its pay-per-mile coverage program can provide substantial savings on car insurance rates.
Insurance companies continue to increase their use of pay-per-mile programs across the country, which charge you according to the number of miles you drive.
MoneyGeek’s Pick: Metromile
Affordable for low-mileage drivers
May be more expensive for regular drivers
Metromile is one of the few insurance companies that focuses on pay-per-mile insurance as its main product, and Virginia drivers can get car insurance from this provider.
Metromile charges you a base rate for your first month after signing up. The company calculates this rate according to factors like your age, credit history, type of vehicle, driving records and others.
At the end of the month, you’ll be charged the next month’s base rate on top of any miles you drove in the previous month at your per-mile rate. Note that your pay-per-mile rate is unique and based on the same factors as your base rate.
If you don’t drive often, pay-per-mile insurance is a great alternative to traditional car insurance and can result in significant savings.Read MoneyGeek's Metromile Auto Auto Insurance Review
How to Find the Best Car Insurance in Virginia For You
While looking for the best car insurance company in Virginia, research providers that balance cost, customer service and financial stability. While MoneyGeek has conducted research on the matter, each driver should contact multiple companies to compare quotes for their specific needs.
Research customer service reputations in Virginia
MoneyGeek has collected information about customer service records of different companies in Virginia. However, you can also look up J.D. Power satisfaction scores and the NAIC complaint ratios in the state for insurers you want to research. The Virginia Insurance Department website also offers resources for more information.
Compare quotes for yourself
MoneyGeek has collected average insurance quotes for a sample driver across many locations in the state but not every location. You should get at least three quotes by yourself and then compare them to get an idea of how much insurance costs in your state.
Make sure the company has the coverage you want in Virginia
Sometimes insurance companies advertise certain offers and discounts which may not be available in every state. Always confirm with insurance companies if they offer what you’re looking for.
Double-check financial stability ratings
Check insurers' financial stability ratings before buying a policy. This rating can affect the speed and accuracy of claims processing. Large insurance companies tend to be financially stronger, leading to more prompt processing of claims. Regional insurance companies in Virginia may have lower ratings.
FAQs About the Best Car Insurance in Virginia
The best car insurance for you depends on your specific needs. Fortunately, MoneyGeek answered a few frequently asked questions about the best car insurance companies in Virginia.
Expert Advice: Finding the Best Auto Insurance in Virginia
- What is the best way to figure out which insurer is best for me in Virginia?
- What are the best coverages to add to your car insurance policy in Virginia?
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About the Author
- Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed September 29, 2021.