The Best Car Insurance in Virginia for 2022

The best car insurance companies provide a balance between affordability, customer satisfaction and financial stability. In Virginia, Progressive is the best car insurance company in the state. This provider ranked first in affordability, tied in second place for claims and tied third for customer satisfaction.

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Last Updated: 5/13/2022
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MoneyGeek’s research indicates that Progressive is the best car insurance company in Virginia overall. However, your ideal choice depends on your individual characteristics. We broke down car insurance providers in the state by customer service, cost and other important factors.

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.

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The Best Car Insurance in Virginia

Best Car Insurance Companies in Virginia: Overall

MoneyGeek scored the best car insurance companies in Virginia based on average premium rates, claims ratings and user satisfaction.

Based on these factors, the top car insurance companies in Virginia are:

  • Progressive: 4.2 out of 5
  • GEICO: 4.1 out of 5

USAA received a MoneyGeek score of 4.6 out of 5, making it one of the best insurance companies in the state. However, we did not include the company in this analysis — only military members and their families qualify for its policies.

The Top 5 Car Insurance Companies in Virginia

1
Progressive
Score:4.2

5/5

Affordability

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About Progressive

Progressive's custom parts coverage 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.

Read MoneyGeek's Progressive auto Insurance Review
2
GEICO
Score:4.2

3.8/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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 in second place for claims. GEICO also offers mechanical breakdown insurance (MBI).

More About GEICO

GEICO’s MBI covers more than a dealer’s typical extended warranty. This insurance covers all parts and systems beyond the specific list of items covered by the dealer's warranty. Drivers can add this coverage to their policy for all cars that are less than 15 months old with under 15,000 miles.

Read MoneyGeek's GEICO auto Insurance Review
3
State Farm
Score:3.9

3.2/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About State Farm

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.

Read MoneyGeek's State Farm auto Insurance Review
4
Travelers
Score:3.8

2.5/5

Affordability

3.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About Travelers

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.

Read MoneyGeek's Travelers auto Insurance Review
5
Nationwide
Score:3.7

3.5/5

Affordability

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About Nationwide

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.

Read MoneyGeek's Nationwide auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN VIRGINIA

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:

Compare the Best Insurance Options in Virginia

The best car insurance in Virginia offers a combination of service, low costs and financial stability. However, the best insurer for you depends on your needs and whether the company offers coverage that meets them. Compare the best car insurance companies in Virginia with our in-depth reviews.

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Best Car Insurance in Virginia for Customer Service

MoneyGeek scored the best car insurance companies in Virginia based on claims and customer satisfaction ratings without considering cost.

Based on these factors, the top car insurance companies in Virginia are:

  • GEICO: 4.3 out of 5
  • Travelers: 4.3 out of 5
The Top 2 Car Insurance Companies in Virginia for Service Quality

1
GEICO
Score:4.3

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About GEICO

GEICO offers accident forgiveness coverage, which customers can either purchase or earn if they are over 21 years of age and have been accident-free for five years. With this coverage, your insurance rate won’t increase after your first at-fault accident.

Read MoneyGeek's GEICO auto Insurance Review
2
Travelers
Score:4.3

5/5

Claims

3.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About Travelers

Travelers offers new car replacement coverage, allowing a driver to receive a brand new car of the same make and model if their vehicle becomes totaled in the first five years of ownership. This additional coverage costs more to be added to your policy.

Read MoneyGeek's Travelers auto Insurance Review

Best Car Insurance in Virginia for Drivers on a Budget

MoneyGeek analyzed the best car insurance companies in Virginia for drivers looking to buy policies with the state's minimum required coverage. We scored them based on affordability and customer service.

Based on these scores, the top car insurance companies in Virginia are:

  • GEICO: 4.5 out of 5
  • Progressive: 4.2 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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Affordable car insurance policy at $350 per year

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Offers multiple car and bundling discounts

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Offers discounts on defensive driving

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Claims rating of 4 out of 5

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User satisfaction rating of 4.5 out of 5

cons

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Does not offer a discount on paperless billing or full annual payment

COMPANY HIGHLIGHTS

GEICO offers discounts to customers who have been accident-free for five years, along with drivers who insure more than one car with the company. Individuals who bundle their policies with home, rental, condo or mobile home insurance also receive discounts.

Individuals who take defensive driving courses and always wear their seatbelts while driving can receive discounts.

Best Car Insurance in Virginia for Poor Driving Records

MoneyGeek scored the best car insurance companies in Virginia based on cost and customer service quality for a driver with an at-fault accident on their record.

The top car insurance companies in Virginia for people with bad driving records are:

  • State Farm: 4.4 out of 5
  • GEICO: 4.3 out of 5

These companies balance affordability and customer service after an accident.

MoneyGeek’s Pick: State Farm

State Farm

pros

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An affordable policy for people with a bad driving record at an average of $884 per year

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Offers roadside assistance coverage and rental car or travel reimbursement

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Claims and user satisfaction ratings of 4 out of 5

cons

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Does not offer accident forgiveness, new car and better car replacement, gap insurance or deductible modification

COMPANY HIGHLIGHTS

MoneyGeek’s research indicates that State Farm has the best car insurance policy in Virginia for drivers with bad driving records. It costs an average of $884 per year and received claims and user satisfaction ratings of 4 out of 5.

The company offers the following coverage:

  • Roadside Assistance: This coverage handles any assistance expenses incurred if your vehicle becomes stranded on the road.
  • 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 4.7 out of 5. The company charges an average of $333 for a minimum coverage policy and $972 per year, on average, for a military driver with an at-fault accident on their record.

MoneyGeek’s Pick: USAA

USAA

pros

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Affordable full coverage policy for individuals with bad driving records, at an average of $972 per year

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Offers rideshare insurance and defensive driving discount

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Claims and user satisfaction rating of 5 out of 5

cons

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Only military families are eligible for a policy

COMPANY HIGHLIGHTS

USAA has one of the best reputations among its Virginia customers. The company also provides affordable car insurance policies and strong customer service.

The provider 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 pay a surcharge after their first at-fault accident.
  • 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 Young Drivers and Students

MoneyGeek researched the best car insurance companies in Virginia for young drivers and students. 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.

Based on these factors, the top car insurance companies in Virginia are:

  • Progressive: 4.2 out of 5
  • Nationwide: 3.4 out of 5

MoneyGeek’s Pick: Progressive

Progressive

pros

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Affordable company to add a young driver at an average of $1,293 per year

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Offers student and distant student discounts

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Claims rating of 4 out of 5

cons

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Does not offer a driver's education discount

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User satisfaction rating of 3.5 out of 5

COMPANY HIGHLIGHTS

Adding a young driver to a full-coverage policy can be very costly, but Progressive features affordable rates and offers strong customer service. Young drivers and their families typically contact customer service more often, making this a crucial element in our rankings.

The company offers discounts to students who have strong academic records and individuals living more than 100 miles away from home for their studies who don’t have vehicles at their school.

Best Car Insurance in Virginia for Those With New Cars

MoneyGeek scored the best car insurance companies in Virginia based on new car and better car replacement coverage. With new car replacement coverage, drivers can receive a new vehicle of the same make and model after becoming totaled in a covered accident in the first few years.

The company will typically compensate you according to the actual value of the car, not the depreciated value. If an insurer offers better car replacement, drivers can receive a car of a newer model. This is additional coverage and can be added to your policy for an additional fee.

In Virginia, Travelers is the best insurance company for this category, with a MoneyGeek score of 3.8 out of 5.

MoneyGeek’s Pick: Travelers

Travelers

pros

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Offers new car replacement coverage

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Claims rating of 5 out of 5

cons

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Expensive policies at $849 per year

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User satisfaction rating of 3.5 out of 5

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Does not offer better car replacement

COMPANY HIGHLIGHTS

Travelers is a good fit for people who have recently started driving. After all, once you drive your vehicle off the lot, it begins to lose value. With this coverage, drivers can receive compensation for the original value of their vehicles in case of an accident within the first few years.

This company offers Premier New Car Replacement. With this coverage, you can receive a brand new car of the same make and model if you total your car within the first five years.

Best Car Insurance in Virginia for Low-Mileage Drivers

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. In Virginia, Metromile is the best pay-per-mile coverage program.

MoneyGeek’s Pick: Metromile Auto

Metromile Auto

pros

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Affordable for low-mileage drivers

cons

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May be more expensive for regular drivers

COMPANY HIGHLIGHTS

Metromile charges you a base rate for the first month after signing up. The company calculates this rate according to factors like age, credit history and type of vehicle. At the end of the month, customers are charged the next month’s base rate plus any miles you drove in the previous month at your per-mile rate.

How to Find the Best Car Insurance in Virginia in 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.

1

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.

2

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.

3

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.

4

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.

Methodology

MoneyGeek collected information on car insurance costs in Virginia in collaboration with Quadrant Information Services. These costs apply to a sample driver and policy as described on our methodology page unless noted otherwise.

We calculated scores for customer satisfaction, claims satisfaction and financial strength from industry-leading evaluations by J.D. Power, AM Best and the NAIC. MoneyGeek gathered information on coverage and discounts from insurance companies from insurer websites and their quote tools.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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