Cheapest Car Insurance in Virginia for 2026

The cheapest car insurance in Virginia for most drivers is from Farm Bureau at $30 a month for minimum coverage and $61 for full. Farm Bureau is also cheapest for teens ($157-$175) and for drivers with the most common moving violations on their record. Farm Bureau rates aren't as low as they seem, however: they require a membership fee of $40 per year.

Travelers is the second-cheapest car insurance in Virginia and costs just $1 to $2 more on average per month than Farm Bureau.  When you add in the $40 annual fee from Farm Bureau, Travelers has a lower yearly average cost than Farm Bureau. Travelers also ranks higher than Farm Bureau for customer experience, making it an overall better value that Farm Bureau, even if Farm Bureau has a lower average monthly cost for most drivers in Virginia.

Cheapest Full Coverage in Virginia

Farm Bureau has the cheapest full coverage rate in Virginia at $61 a month, but requires a $40 annual membership to buy a policy, so Travelers ends up cheapest overall. Travelers is also the stronger policy, with the state's highest overall score at 4.77 out of 5, better customer experience, and more coverage options than Farm Bureau has. For full coverage, Travelers gives you the lower true cost and the better policy.

Cheapest Minimum Coverage in Virginia

The cheapest minimum coverage in Virginia is Farm Bureau at $30 a month ($360 a year), just $1 lower than Travelers' rate of $31 ($372 a year). With Farm Bureau's $40 annual membership, the initial annual total becomes $400, so Travelers actually costs about $28 less overall for the whole year. Travelers also scores higher for customer experience, so if you cause a crash, your insurer settles the other driver's claim faster.

How to Choose Between Minimum and Full Coverage in Virginia

Full coverage costs $31 more a month than minimum with Farm Bureau. Buying full coverage buys you collision and comprehensive coverage to help you pay for your own car repairs. Minimum coverage covers only the other driver after a crash you cause. If you'd rather replace your car than repair it after an accident, minimum may be enough, but a lender or leasing company will require full coverage.

The minimum liability required in Virginia is $50,000 for one person's injuries, $100,000 per accident and $25,000 for property damage. Virginia also requires uninsured and underinsured motorist coverage matching those limits, which covers you if the other driver has no insurance or too little coverage. Because Virginia is an at-fault state, with a minimum policy you pay for your own car's damage after a crash you cause. Calculate the numbers with the Virginia car insurance calculator and the guide to how much car insurance you need.

For teens, Farm Bureau is cheapest in Virginia at $175 a month for a 16-year-old male and $157 for a female. But as teen drivers age, the cheapest company changes between Farm Bureau and Travelers, so get fresh quotes every year instead of sticking with the one you picked at 16. By 25, a driver on their own policy can pay as little as $58 a month.

Teen drivers also file more claims, so how quickly an insurer settles those claims matters, and Travelers scores better in service than Farm Bureau. For families, Farm Bureau's $40 membership covers the whole household, so adding a teen to a parent's policy costs no extra fee.

Several insurers, including State Farm, offer discounts for teen drivers who maintain a certain GPA or complete an advanced driver's education course. Make sure you ask about discounts when adding a teen to your policy in Virginia.

Travelers is the cheapest for seniors in Virginia at $64 a month, costing just $3 per month on average above the lowest adult rate. Auto-Owners costs an average of $12 more per month at $76 but has the best customer experience score at 4.58 out of 5 in Virginia, helping most when a claim is slow or disputed. The extra $12 with Auto-Owners is worth it for anyone who expects to file, and seniors make more claims than younger drivers. Though Auto-Owners costs more up front, it's a better value for senior drivers in Virginia than Travelers.

Which insurer is cheapest in Virginia depends on your city. Travelers has the lowest rate in 10 of Virginia's 20 largest cities, and Farm Bureau is cheapest in the other 10.  Farm Bureau is cheapest in Virginia Beach, and Travelers is cheapest in Chesapeake and Arlington, so quote both wherever you live. Several of those cities are on the coast in Hampton Roads, where flooding make comprehensive coverage worth keeping, even on an older car.

After a DUI, Farm Bureau is cheapest in Virginia at $77 a month on average, and it's also cheapest for an at-fault accident at $81 and a texting ticket at $77. However, Travelers is the cheapest for drivers with speeding violation with an average monthly cost of $86. GEICO is the cheapest for drivers with bad credit; the average monthly cost is $189.  While Farm Bureau is still the cheapest choice for most violations (even when you count the $40 annual membership fee), Travelers scores higher on service. Paying more with Travelers is worth it for high-risk drivers. Virginia also requires an FR-44 filing after a DUI (not SR-22), which doubles your minimum liability limits for three years from reinstatement. Since your insurer decides how long the increase lasts, re-quote each renewal.