Cheapest Car Insurance in Virginia (November 2025)

Car insurance in Virginia runs $97 monthly for full coverage and $53 for minimum protection, coming in 20% and 8% below national averages, respectively. Virginia ranks 11th nationwide for full coverage affordability and 27th for minimum coverage costs.

Travelers delivers the cheapest rates for both full and minimum coverage across the state. Skipping full coverage puts you at risk for costly out-of-pocket repairs if you cause an accident, so compare rates to secure affordable protection that fits your budget. MoneyGeek ranked Virginia's top insurers by evaluating pricing, customer satisfaction and coverage features.

Virginia drivers looking for comprehensive protection will find Travelers offers the most affordable full coverage at $61 monthly or $733 annually. It's an option for Virginians seeking the cheapest full coverage protection.

Farm Bureau closely follows at $737 per year, while Auto-Owners ($916 annually), GEICO ($972 yearly), and Mercury ($987 annually) complete the top five options.

*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults to 26 to 64-year-olds and seniors to 65 and older.

Travelers offers the most affordable minimum coverage car insurance in Virginia at $30 monthly, giving drivers an excellent way to meet state requirements without breaking the budget. 

Virginia's competitive insurance market ensures residents have multiple cheapest liability-only car insurance options from trusted carriers. Farm Bureau matches Travelers at $30 monthly, while GEICO follows at $42, Auto-Owners at $45, and Mercury at $46 to complete the top five budget-friendly choices. Virginia drivers can easily find quality coverage that fits their financial needs while staying legally compliant.

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

Virginia mandates minimum liability coverage of $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage (50/100/25). 

These limits exceed typical state requirements but could still expose drivers to financial risk during severe accidents, given the Northern Virginia area's notorious traffic congestion and frequent multi-vehicle collisions on Interstate 95 and the Capital Beltway.

Farm Bureau offers the most affordable minimum coverage rates in 13 of Virginia's 20 largest cities analyzed, while Travelers secures the remaining seven markets as of November 2025.

The cost of the cheapest minimum coverage option across Virginia's major cities ranges from $25 to $38 monthly. Harrisonburg residents have the state's lowest monthly rates at $25 through Travelers, while Norfolk drivers pay the highest premiums at $38 with Travelers. Most mid-sized cities maintain rates between $31 and $36.

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Virginia drivers ages 16 to 25 have high insurance costs, but choosing Farm Bureau can deliver savings. This insurer offers full coverage at $123 monthly, which beats the state average by 50%. Travelers comes in second at $143 per month, while Auto-Owners rounds out the top three at $160 monthly.

Middle-aged drivers between 26 and 64 will find that Farm Bureau provides exceptional value at just $61 per month for comprehensive coverage. Travelers follows closely behind at $61 monthly, and Auto-Owners delivers competitive rates at $68 per month for the same protection.

Senior drivers ages 65 and older get their best deal through Travelers at $82 monthly for full coverage. Farm Bureau takes second place at $92 per month, with GEICO offering coverage at $100 monthly for older drivers throughout the Commonwealth.

Driving violations and credit issues can increase insurance premiums in Virginia. A clean record keeps costs low, but infractions like speeding, at-fault accidents, texting behind the wheel or DUIs push rates higher. 

Your credit score matters too. Farm Bureau provides the most affordable rates for high-risk categories, though Auto-Owners beats them for speeding tickets and texting violations while Penn National Insurance offers the lowest rates for drivers with poor credit.

• Cheapest With a Speeding Ticket: Auto-Owners ($76 per month)
• Cheapest With a DUI: Farm Bureau ($77 per month)
• Cheapest With an At-Fault Accident: Farm Bureau ($81 per month)
• Cheapest With a Texting While Driving Violation: Auto-Owners ($68 per month)
• Cheapest for Bad Credit: Penn National Insurance ($183 per month)

Request quotes from major carriers and local insurers in Virginia to find your best rate. Regional providers frequently undercut national companies, especially outside the Washington, D.C. metro area. Lower your premiums by bundling coverage, maintaining good credit and qualifying for safe-driver discounts.

Sticking with minimum liability coverage remains an option for budget-focused drivers. Virginia's 50/100/25 limits satisfy state law but create risky coverage gaps. You'll cover your own vehicle repairs after at-fault crashes without collision protection. Comprehensive insurance handles theft, weather damage and vandalism; important protection when the Washington-Arlington-Alexandria metro area experienced a 52% vehicle theft surge from 2022 to 2023.

Travelers provides Virginia's most affordable car insurance rates for the majority of drivers. However, don't let price be your only deciding factor - purchase as much coverage as your budget allows to shield your finances from costly accidents.

Our insurance experts address frequently asked questions about securing budget-friendly car insurance in Virginia.

Virginia drivers juggle high traffic volume in Norfolk, weather risks and rates that run 20% below the national average for full coverage. We compared rates across Virginia's metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We pulled quotes from 12 insurers across every Virginia ZIP code using data from the state's Bureau of Insurance and Quadrant Information Services. The numbers tell the story: rural Shenandoah Valley drivers pay far less than Richmond commuters stuck on I-95, and our statewide sweep catches all those pricing differences. Our analysis included more than 200 million rate comparisons to identify consistent patterns in pricing and coverage availability.

We started with a baseline driver profile that represents Virginia's median demographic:  

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

This profile serves as our control group. We then adjusted specific variables (age, driving violations, credit score) to analyze how Virginia insurers price risk for different driver types. This approach reveals which companies specialize in certain demographics and which maintain competitive rates across all profiles.   

Coverage Levels We Compared

Virginia requires minimum liability coverage of $50,000 per person for bodily injury, $100,000 per accident for bodily injury and $25,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since that's what most budget-conscious Commonwealth drivers carry.

For full coverage analysis, we used higher liability limits that better protect Virginia drivers in serious accidents:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Most insurance agents in Virginia push these higher limits once you mention Virginia Beach traffic. Three-car pileups on I-64 eat through that $25,000 state minimum fast. Go with the $1,000 deductible to cut your monthly bill, just make sure you've got a grand stashed away.