Cheapest Car Insurance in Virginia


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Key Takeaways

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The cheapest car insurance companies in Virginia for most drivers are Travelers, Farm Bureau and Auto-Owners, offering average savings of up to 41%.

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Car insurance costs can be as low as $27 monthly for minimum coverage and $61 for full coverage policies on average in Virginia.

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Research average costs to compare top companies, take advantage of discounts and compare multiple provider quotes to get the cheapest car insurance in Virginia.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Who Has the Cheapest Car Insurance in Virginia?

Travelers leads Virginia's auto insurance market with monthly rates of $30 for minimum coverage and $61 for full coverage. Choosing Travelers saves drivers $32 monthly, or 41% compared to state averages. Get quotes from other affordable providers like Farm Bureau, Auto-Owners, GEICO and Mercury too.

Travelers$30$61-41%
Farm Bureau$30$61-41%
Auto Owners$45$76-22%
Geico$42$81-21%
Mercury Insurance$46$82-17%

*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.

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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN VIRGINIA

Best Car Insurance Rates by Category in Virginia

Farm Bureau and Travelers dominate Virginia's car insurance market, with each company offering the cheapest rates in four out of our 10 driver categories. Find your specific rates in the table:

Young DriversFarm Bureau$67
Adult DriversTravelers$30
Senior DriversTravelers$42
Drivers With An AccidentFarm Bureau$43
Drivers With A DUIFarm Bureau$38
Drivers With A Speeding TicketTravelers$37
Drivers With Bad CreditPenn National Insurance$88
Drivers With Low IncomeAuto Owners$56
Drivers With Newer CarsTravelers$30
Drivers With Old CarsFarm Bureau$27

*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 26 to 64-year-olds and seniors 65+ years of age.

Compare the Cheapest Car Insurance in Virginia for You

While the tables above show overall winners, the most affordable car insurance provider in Virginia depends on your specific profile. For example, Penn National offers the lowest rates at $166 monthly for drivers with poor credit and an accident record who want 100/300/100 coverage. Filter the table to match your exact situation:

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Auto Owners$218$2,618-32%
Erie Insurance$253$3,036-22%
Penn National Insurance$190$2,274-41%
Farm Bureau$258$3,100-20%
Geico$256$3,073-21%

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in Virginia by City

Where you live in Virginia affects your car insurance costs based on local crime, accidents and traffic density. Farm Bureau charges as little as $23 in Hinton but $41 in Fleet. Here are the cheapest providers for every Virginia city:

Data filtered by:Results filtered by:
Select
City:
Virginia BeachFarm Bureau$37-40%$-35
ChesapeakeTravelers$38-38%$-33
NorfolkTravelers$38-35%$-31
RichmondFarm Bureau$36-40%$-34
Newport NewsFarm Bureau$36-38%$-31
AlexandriaFarm Bureau$37-41%$-37
HamptonFarm Bureau$36-41%$-35
RoanokeFarm Bureau$29-39%$-27
PortsmouthTravelers$35-36%$-31
SuffolkFarm Bureau$31-41%$-31
LynchburgTravelers$27-43%$-31
CentrevilleFarm Bureau$35-40%$-34
Dale CityFarm Bureau$32-46%$-39
RestonFarm Bureau$33-40%$-33
HarrisonburgTravelers$25-41%$-27
LeesburgTravelers$31-38%$-29
McLeanFarm Bureau$33-43%$-36
CharlottesvilleTravelers$29-40%$-29
BlacksburgTravelers$25-43%$-28
Lake RidgeFarm Bureau$33-43%$-38
AnnandaleFarm Bureau$35-42%$-38
TuckahoeFarm Bureau$32-41%$-33
BurkeFarm Bureau$35-42%$-36
ManassasFarm Bureau$31-45%$-36
Linton HallFarm Bureau$30-45%$-35
MechanicsvilleFarm Bureau$31-41%$-32
OaktonFarm Bureau$33-41%$-33
SpringfieldFarm Bureau$35-44%$-39
AshburnFarm Bureau$32-39%$-30
SalemTravelers$27-40%$-27
PetersburgTravelers$32-40%$-31
HerndonFarm Bureau$34-39%$-32
WinchesterTravelers$26-42%$-29
FairfaxFarm Bureau$37-40%$-35
StauntonFarm Bureau$25-42%$-28
ChristiansburgTravelers$24-44%$-29
ChantillyFarm Bureau$34-40%$-34
WaynesboroTravelers$26-39%$-26
CulpeperTravelers$31-39%$-30
ViennaFarm Bureau$34-40%$-33
HopewellTravelers$33-38%$-30
FredericksburgFarm Bureau$31-40%$-30
FranklinFarm Bureau$31-38%$-28
FranklinTravelers$30-38%$-28
PoquosonFarm Bureau$31-40%$-30
RadfordTravelers$25-45%$-31
MartinsvilleFarm Bureau$29-39%$-28
Colonial HeightsFarm Bureau$32-40%$-32
ArlingtonTravelers$33-43%$-36
AbingdonTravelers$27-40%$-27
AccomacFarm Bureau$30-38%$-27
AchillesFarm Bureau$30-39%$-29
AftonTravelers$29-39%$-28
AlbertaTravelers$27-44%$-32
AltavistaTravelers$27-42%$-29
AltonTravelers$28-42%$-31
Amelia Court HouseFarm Bureau$35-36%$-29
AmherstTravelers$27-42%$-30
AmissvilleFarm Bureau$32-40%$-31
AmmonTravelers$27-47%$-36
AmonateTravelers$27-45%$-33
AndoverFarm Bureau$28-43%$-32
AppalachiaTravelers$26-45%$-33
AppomattoxTravelers$28-42%$-30
AraratFarm Bureau$28-43%$-31
ArkFarm Bureau$30-40%$-29
ArodaFarm Bureau$31-40%$-31
ArringtonTravelers$28-43%$-31
ArvoniaTravelers$29-43%$-33
AshlandFarm Bureau$32-39%$-30
AssawomanTravelers$28-40%$-29
AtkinsFarm Bureau$28-40%$-27
AtlanticTravelers$29-39%$-28
AustinvilleTravelers$27-42%$-29
AxtonFarm Bureau$30-42%$-32
AylettFarm Bureau$33-35%$-26
BacovaTravelers$27-39%$-26
Bailey's CrossroadsFarm Bureau$36-42%$-37
BancoFarm Bureau$31-39%$-30
BandyTravelers$27-44%$-33
BarboursvilleTravelers$30-40%$-30
BarhamsvilleFarm Bureau$29-41%$-30
Barren SpringsTravelers$28-40%$-29
BaskervilleTravelers$28-43%$-31
BassettFarm Bureau$29-41%$-29
BastianTravelers$29-41%$-31
BasyeTravelers$26-38%$-25
BatesvilleTravelers$29-41%$-30
Battery ParkFarm Bureau$31-40%$-30
BealetonFarm Bureau$29-44%$-34
BeaumontTravelers$32-41%$-33
BeaverdamFarm Bureau$31-40%$-30
BedfordTravelers$27-43%$-32
BeeTravelers$28-44%$-33
Belle HavenFarm Bureau$32-40%$-31
BelspringTravelers$26-44%$-31
BenaFarm Bureau$30-39%$-29
Ben HurFarm Bureau$28-44%$-32
Bent MountainTravelers$28-39%$-28
BentonvilleTravelers$30-37%$-26
BergtonTravelers$25-41%$-26
BerryvilleFarm Bureau$30-37%$-26
Bethel ManorFarm Bureau$31-41%$-32
Big IslandTravelers$29-41%$-30
Big RockTravelers$30-42%$-33
Big Stone GapTravelers$27-44%$-32
BirchleafTravelers$29-43%$-33
BirdsnestFarm Bureau$31-37%$-26
BishopTravelers$27-44%$-33
BlackstoneTravelers$29-43%$-33
BlackwaterTravelers$30-40%$-30
BlairsTravelers$32-37%$-28
BlandTravelers$28-40%$-28
BloxomFarm Bureau$29-41%$-29
BluefieldFarm Bureau$29-43%$-32
Blue GrassFarm Bureau$30-36%$-25
BluemontFarm Bureau$30-40%$-30
Blue RidgeTravelers$28-41%$-29
BohannonTravelers$28-41%$-30
BoissevainFarm Bureau$30-41%$-31
Bon AirFarm Bureau$33-41%$-34
Boones MillTravelers$29-40%$-30
BoonesvilleTravelers$29-41%$-31
BostonTravelers$31-39%$-29
Bowling GreenFarm Bureau$31-40%$-30
BoyceTravelers$27-41%$-29
BoydtonTravelers$28-42%$-31
BoykinsTravelers$29-41%$-30
BraceyTravelers$27-43%$-31
BranchvilleTravelers$30-40%$-29
Brandy StationTravelers$31-40%$-31
BreaksFarm Bureau$32-41%$-32
Bremo BluffTravelers$30-40%$-30
BridgewaterFarm Bureau$24-45%$-29
BrightwoodFarm Bureau$31-40%$-30
BristolTravelers$26-41%$-28
BroadfordTravelers$27-43%$-31
BroadlandsFarm Bureau$34-38%$-30
Broad RunFarm Bureau$29-45%$-36
BroadwayFarm Bureau$24-44%$-28
BrodnaxTravelers$26-44%$-32
BrookeFarm Bureau$32-41%$-32
BrooknealTravelers$28-42%$-31
BrownsburgTravelers$28-37%$-25
BrucetownTravelers$27-41%$-28
BruingtonTravelers$30-37%$-27
BuchananTravelers$28-40%$-29
BuckinghamTravelers$29-42%$-32
Buena VistaTravelers$27-38%$-25
Buffalo JunctionTravelers$28-42%$-31
BumpassTravelers$31-40%$-31
BurgessFarm Bureau$27-45%$-31
Burkes GardenFarm Bureau$31-38%$-28
BurkevilleTravelers$28-44%$-34
BurnsvilleFarm Bureau$24-48%$-33
Burr HillFarm Bureau$30-44%$-34
CallandsTravelers$31-40%$-32
CallaoFarm Bureau$28-41%$-29
CallawayTravelers$30-39%$-29
CalvertonFarm Bureau$29-45%$-35
CanaTravelers$27-41%$-29
Cape CharlesFarm Bureau$31-37%$-27
CapevilleFarm Bureau$28-42%$-30
CapronTravelers$30-40%$-30
CardinalTravelers$28-42%$-31
CaretTravelers$29-40%$-29
CarrolltonFarm Bureau$30-43%$-34
CarrsvilleFarm Bureau$31-39%$-30
CarsonTravelers$32-38%$-29
CartersvilleTravelers$29-44%$-35
CasanovaFarm Bureau$29-45%$-35
CascadeTravelers$31-36%$-27
CastletonTravelers$32-38%$-30
CastletonFarm Bureau$33-38%$-30
CastlewoodTravelers$28-42%$-31
CatawbaTravelers$27-40%$-28
CatharpinFarm Bureau$30-47%$-39
CatlettFarm Bureau$29-45%$-35
Cave SpringFarm Bureau$28-41%$-29
Cedar BluffTravelers$27-44%$-32
Center CrossTravelers$29-38%$-27
CeresTravelers$28-41%$-30
ChamplainTravelers$29-39%$-28
Charles CityFarm Bureau$31-40%$-30
Charlotte Court HouseTravelers$27-45%$-34
ChathamFarm Bureau$33-42%$-36
CheckTravelers$29-41%$-30
Cherry HillFarm Bureau$32-46%$-39
ChesterFarm Bureau$31-44%$-35
ChesterfieldFarm Bureau$31-44%$-35
Chester GapTravelers$29-42%$-32
ChilhowieFarm Bureau$27-42%$-30
ChincoteagueTravelers$28-41%$-29
Chincoteague IslandTravelers$28-40%$-28
ChristchurchFarm Bureau$31-37%$-27
Church RoadFarm Bureau$34-35%$-28
Church ViewFarm Bureau$29-40%$-29
ChurchvilleTravelers$26-41%$-28
ClaremontTravelers$29-42%$-32
ClarksvilleTravelers$28-42%$-31
ClaudvilleFarm Bureau$28-43%$-30
Clear BrookTravelers$28-39%$-27
ClevelandTravelers$28-43%$-32
CliffordFarm Bureau$28-43%$-31
Clifton ForgeTravelers$26-41%$-27
ClinchcoFarm Bureau$29-44%$-33
ClintwoodFarm Bureau$28-46%$-35
CloverTravelers$28-43%$-33
CloverdaleTravelers$27-39%$-27
Cobbs CreekFarm Bureau$29-40%$-29
CoeburnFarm Bureau$29-43%$-32
Coleman FallsTravelers$28-42%$-31
Coles PointTravelers$29-39%$-29
CollinsvilleFarm Bureau$29-39%$-28
Colonial BeachTravelers$32-36%$-27
ColumbiaTravelers$30-42%$-33
ConcordTravelers$27-43%$-31
Copper HillTravelers$30-39%$-29
CorbinFarm Bureau$31-39%$-29
CourtlandTravelers$29-40%$-29
CovesvilleTravelers$29-40%$-29
CovingtonTravelers$26-41%$-27
CraddockvilleFarm Bureau$29-41%$-29
CraigsvilleTravelers$28-39%$-26
CreweTravelers$29-44%$-34
CridersTravelers$25-41%$-27
Cripple CreekTravelers$27-42%$-30
CritzFarm Bureau$29-41%$-30
CrockettTravelers$27-39%$-27
CrozetTravelers$28-41%$-30
CrozierTravelers$33-38%$-30
Crystal HillTravelers$28-44%$-33
CullenTravelers$27-45%$-34
CumberlandTravelers$29-46%$-37
Dahlgren CenterTravelers$31-37%$-28
DalevilleTravelers$27-40%$-27
DamascusFarm Bureau$28-41%$-29
DanteTravelers$29-42%$-32
DanvilleTravelers$30-37%$-27
DavenportTravelers$28-45%$-35
Davis WharfFarm Bureau$29-42%$-30
DaytonFarm Bureau$24-46%$-29
DeerfieldTravelers$27-39%$-27
DelaplaneFarm Bureau$33-36%$-27
DeltavilleFarm Bureau$29-40%$-29
DendronFarm Bureau$31-41%$-31
DewittTravelers$31-40%$-31
DiggsFarm Bureau$29-41%$-29
DillwynTravelers$28-44%$-34
DinwiddieTravelers$32-38%$-30
DisputantaFarm Bureau$32-40%$-30
Doe HillFarm Bureau$27-42%$-29
DogueTravelers$31-37%$-28
DolphinTravelers$27-44%$-33
DoranTravelers$27-46%$-35
DoswellFarm Bureau$32-38%$-29
Drakes BranchTravelers$27-45%$-34
DraperTravelers$28-36%$-24
DrewryvilleTravelers$29-41%$-31
DrydenTravelers$28-42%$-31
Dry ForkTravelers$32-38%$-29
DublinTravelers$26-40%$-26
DuffieldFarm Bureau$28-43%$-32
DugspurTravelers$28-40%$-29
DullesFarm Bureau$33-39%$-31
Dulles Town CenterFarm Bureau$33-39%$-32
DundasTravelers$28-44%$-33
DungannonTravelers$27-44%$-32
Dunn LoringFarm Bureau$32-43%$-36
DunnsvilleFarm Bureau$29-41%$-30
DuttonFarm Bureau$29-42%$-31
Eagle RockTravelers$27-40%$-28
EarlysvilleTravelers$30-39%$-29
East Stone GapFarm Bureau$28-45%$-33
EastvilleFarm Bureau$28-43%$-32
EbonyTravelers$27-43%$-31
EdinburgTravelers$30-39%$-29
EdwardsvilleFarm Bureau$29-40%$-29
EgglestonTravelers$27-43%$-30
ElberonFarm Bureau$31-40%$-30
Elk CreekTravelers$27-41%$-29
ElktonTravelers$27-39%$-26
ElkwoodFarm Bureau$30-44%$-34
EllistonTravelers$26-42%$-28
EmporiaTravelers$29-42%$-32
EsmontTravelers$29-40%$-30
EtlanTravelers$30-40%$-30
EttrickTravelers$31-43%$-34
EvergreenTravelers$27-42%$-31
EvingtonTravelers$27-43%$-31
EwingTravelers$29-42%$-32
ExmoreFarm Bureau$30-38%$-28
FaberTravelers$29-39%$-28
Fairfax StationFarm Bureau$35-41%$-35
FairfieldTravelers$28-38%$-25
Fair OaksFarm Bureau$34-40%$-33
Falls ChurchFarm Bureau$33-41%$-34
Falls MillsTravelers$29-41%$-31
Fancy GapTravelers$27-42%$-29
FarmvilleTravelers$27-44%$-33
FarnhamTravelers$28-40%$-28
FerrumTravelers$30-38%$-29
FieldaleFarm Bureau$29-39%$-28
FincastleTravelers$28-39%$-27
Fishers HillFarm Bureau$27-41%$-27
FishersvilleTravelers$26-40%$-26
FleetFarm Bureau$41-32%$-28
Flint HillFarm Bureau$32-40%$-31
FloydFarm Bureau$29-41%$-29
FordTravelers$31-40%$-31
ForestTravelers$29-39%$-28
Fork UnionTravelers$30-39%$-30
Fort BelvoirFarm Bureau$35-42%$-37
Fort BlackmoreFarm Bureau$28-44%$-32
Fort DefianceFarm Bureau$25-44%$-29
Fort HuntFarm Bureau$34-44%$-39
Fort LeeFarm Bureau$32-40%$-31
Fort MitchellTravelers$27-45%$-33
Fort ValleyTravelers$27-39%$-26
FosterFarm Bureau$29-41%$-30
FranktownFarm Bureau$30-39%$-28
FreemanTravelers$29-41%$-30
Free UnionFarm Bureau$29-41%$-30
FriesTravelers$26-43%$-30
Front RoyalFarm Bureau$29-38%$-27
Fulks RunTravelers$25-42%$-27
GainesvilleFarm Bureau$29-45%$-35
GalaxTravelers$26-43%$-30
GasburgTravelers$27-43%$-30
Gate CityTravelers$28-41%$-30
Glade HillFarm Bureau$30-42%$-32
Glade SpringTravelers$27-41%$-28
GladstoneTravelers$28-41%$-30
GladysTravelers$27-43%$-31
GlasgowFarm Bureau$27-41%$-28
Glen AllenFarm Bureau$32-41%$-33
Glen LynTravelers$28-40%$-28
Glen WiltonTravelers$26-44%$-30
GloucesterFarm Bureau$31-38%$-28
Gloucester PointFarm Bureau$30-40%$-29
GoldveinFarm Bureau$29-45%$-35
GoochlandTravelers$31-42%$-34
GoodeTravelers$28-43%$-31
GoodviewTravelers$30-38%$-29
GordonsvilleTravelers$30-40%$-31
GoreTravelers$27-40%$-28
GoshenTravelers$29-36%$-24
Great FallsFarm Bureau$35-39%$-33
GreenbackvilleTravelers$27-43%$-30
Green BayTravelers$28-44%$-33
GreenbushFarm Bureau$30-39%$-28
GreenvilleTravelers$27-39%$-27
GreenwayFarm Bureau$33-42%$-35
GreenwoodTravelers$27-44%$-32
GretnaTravelers$27-44%$-33
GrimsteadFarm Bureau$28-43%$-30
GrottoesFarm Bureau$27-41%$-27
GrovetonFarm Bureau$36-42%$-37
GrundyTravelers$29-43%$-33
Gum SpringTravelers$30-41%$-32
GwynnFarm Bureau$28-42%$-30
HacksneckFarm Bureau$31-38%$-27
HadensvilleTravelers$28-45%$-35
HagueTravelers$30-37%$-27
HalifaxTravelers$28-42%$-31
HalliefordFarm Bureau$28-43%$-31
HamiltonTravelers$31-39%$-30
Hampden SydneyTravelers$27-45%$-34
HanoverFarm Bureau$32-39%$-30
HarbortonFarm Bureau$30-38%$-28
HardyFarm Bureau$31-37%$-27
HardyvilleFarm Bureau$29-40%$-29
HartfieldFarm Bureau$29-40%$-29
HaymarketFarm Bureau$29-45%$-36
HaynesvilleTravelers$30-37%$-27
HaysiFarm Bureau$29-44%$-34
HaywoodFarm Bureau$31-41%$-32
Head WatersFarm Bureau$27-42%$-28
HeathsvilleFarm Bureau$29-40%$-28
HenricoFarm Bureau$32-42%$-34
HenryFarm Bureau$31-38%$-28
Highland SpringsFarm Bureau$31-44%$-36
HillsvilleTravelers$27-42%$-30
HiltonsTravelers$29-40%$-29
HintonFarm Bureau$23-47%$-31
HiwasseeTravelers$26-41%$-28
HollinsTravelers$27-40%$-27
HonakerTravelers$27-45%$-33
HoodFarm Bureau$31-39%$-30
HorntownTravelers$28-40%$-29
HorsepenTravelers$29-41%$-31
Hot SpringsFarm Bureau$27-41%$-28
HowardsvilleTravelers$30-41%$-31
HuddlestonFarm Bureau$30-40%$-29
HudginsFarm Bureau$28-43%$-30
HumeFarm Bureau$30-42%$-32
HuntingtonFarm Bureau$36-41%$-36
HuntlyTravelers$29-42%$-32
HurleyFarm Bureau$31-42%$-33
HurtTravelers$27-44%$-32
HustleTravelers$30-39%$-28
IdylwoodFarm Bureau$33-43%$-35
IndependenceTravelers$26-44%$-31
Indian ValleyTravelers$29-39%$-28
Iron GateTravelers$26-42%$-28
IrvingtonFarm Bureau$27-42%$-29
Isle Of WightFarm Bureau$31-40%$-30
IvanhoeTravelers$26-43%$-30
IvorTravelers$32-36%$-27
IvyTravelers$27-44%$-32
JamaicaFarm Bureau$29-40%$-28
James StoreTravelers$29-41%$-30
JamesvilleFarm Bureau$27-44%$-32
JarrattTravelers$29-42%$-31
JavaTravelers$28-43%$-33
JeffersontonFarm Bureau$30-44%$-34
Jenkins BridgeTravelers$33-32%$-24
JerseyFarm Bureau$27-46%$-34
JetersvilleTravelers$30-43%$-34
Jewell RidgeTravelers$27-45%$-34
JonesvilleFarm Bureau$29-43%$-32
KeelingTravelers$31-37%$-27
KeeneTravelers$29-40%$-30
Keen MountainTravelers$29-43%$-33
KeezletownFarm Bureau$27-38%$-25
KellerFarm Bureau$30-39%$-28
KenbridgeTravelers$28-45%$-34
Kents StoreTravelers$30-40%$-30
KeokeeFarm Bureau$30-41%$-30
KeysvilleTravelers$27-45%$-34
KilmarnockTravelers$27-41%$-28
King And Queen Court HouseFarm Bureau$32-36%$-27
King GeorgeFarm Bureau$32-38%$-29
Kings Park WestFarm Bureau$35-41%$-35
KingstowneFarm Bureau$35-41%$-36
King WilliamTravelers$32-35%$-26
KinsaleTravelers$28-40%$-29
Lacey SpringFarm Bureau$27-39%$-26
LackeyFarm Bureau$30-39%$-29
La CrosseTravelers$26-45%$-32
LadysmithTravelers$28-42%$-32
Lake HolidayTravelers$27-40%$-28
Lake Land'OrTravelers$31-38%$-28
Lake MonticelloTravelers$30-40%$-29
Lake of the WoodsFarm Bureau$30-44%$-34
LambsburgTravelers$27-42%$-30
LancasterFarm Bureau$28-41%$-29
LaneviewTravelers$28-41%$-29
LanexaFarm Bureau$29-42%$-30
LaurelFarm Bureau$32-42%$-34
Laurel ForkFarm Bureau$29-41%$-29
LawrencevilleTravelers$28-42%$-31
LebanonTravelers$28-41%$-30
Lebanon ChurchTravelers$26-41%$-28
LeonFarm Bureau$31-41%$-31
LexingtonTravelers$28-37%$-25
LightfootFarm Bureau$30-40%$-29
LignumFarm Bureau$30-44%$-34
LincolnTravelers$31-40%$-31
LincolniaFarm Bureau$35-43%$-39
LinvilleTravelers$26-41%$-27
Little PlymouthTravelers$29-41%$-30
LivelyFarm Bureau$28-42%$-29
Locust DaleFarm Bureau$31-40%$-30
Locust HillTravelers$28-41%$-29
LocustvilleFarm Bureau$30-39%$-28
Long IslandTravelers$27-44%$-33
LorettoTravelers$30-39%$-29
LortonFarm Bureau$34-43%$-38
LottsburgTravelers$28-41%$-29
LouisaFarm Bureau$32-38%$-29
LovettsvilleTravelers$31-39%$-31
LovingstonTravelers$28-41%$-30
Lowes IslandFarm Bureau$34-38%$-30
Low MoorTravelers$26-41%$-28
LowryTravelers$28-43%$-32
LunenburgTravelers$27-45%$-34
LurayTravelers$26-41%$-27
Lynch StationTravelers$28-42%$-30
LyndhurstTravelers$27-40%$-27
MachipongoTravelers$29-37%$-27
MadisonFarm Bureau$31-40%$-30
Madison HeightsTravelers$27-42%$-30
MaidensTravelers$31-42%$-34
Manakin SabotTravelers$34-35%$-28
Manassas ParkFarm Bureau$32-44%$-36
MannboroFarm Bureau$34-38%$-30
ManquinFarm Bureau$35-32%$-24
MarionTravelers$27-39%$-26
MarionvilleTravelers$29-39%$-28
MarkhamFarm Bureau$33-36%$-27
MarshallFarm Bureau$31-40%$-31
MarumscoFarm Bureau$32-46%$-40
MaryusFarm Bureau$30-41%$-30
MascotTravelers$29-41%$-30
MassanuttenTravelers$26-39%$-25
MathewsTravelers$28-41%$-30
MattaponiTravelers$29-40%$-29
MaurertownFarm Bureau$27-41%$-27
MavisdaleTravelers$29-42%$-32
MaxieFarm Bureau$30-43%$-34
Max MeadowsTravelers$28-40%$-28
Mc ClureFarm Bureau$28-45%$-34
Mc CoyFarm Bureau$31-34%$-23
Mc DowellFarm Bureau$27-42%$-29
Mc KenneyTravelers$30-42%$-32
McNairFarm Bureau$34-40%$-33
MeadowbrookFarm Bureau$31-46%$-39
Meadows Of DanTravelers$28-40%$-29
MeadowviewTravelers$27-41%$-28
MearsFarm Bureau$29-41%$-29
MeherrinTravelers$28-44%$-33
MelfaFarm Bureau$31-38%$-28
MendotaTravelers$26-43%$-29
MeredithvilleTravelers$30-38%$-28
MerrifieldFarm Bureau$35-40%$-34
Merry PointFarm Bureau$28-42%$-30
MiddlebrookTravelers$28-38%$-26
MiddleburgFarm Bureau$33-39%$-31
MiddletownTravelers$27-40%$-28
MidlandFarm Bureau$29-45%$-35
MidlothianFarm Bureau$31-43%$-34
MilfordFarm Bureau$31-40%$-30
MillboroTravelers$28-38%$-26
Millers TavernFarm Bureau$30-39%$-28
MillwoodTravelers$27-42%$-29
MineralFarm Bureau$32-39%$-30
Mint SpringTravelers$26-41%$-27
MitchellsTravelers$31-40%$-30
Modest TownFarm Bureau$31-38%$-27
MolluskFarm Bureau$28-42%$-30
MonetaFarm Bureau$32-37%$-28
MonroeFarm Bureau$28-43%$-31
MontclairFarm Bureau$31-46%$-39
MontebelloTravelers$28-41%$-29
MontereyFarm Bureau$30-36%$-25
MontpelierFarm Bureau$33-37%$-28
Montpelier StationTravelers$29-42%$-31
MontrossFarm Bureau$31-38%$-28
MontvaleTravelers$28-42%$-31
MoonTravelers$28-40%$-29
MoratticoFarm Bureau$28-42%$-29
MoseleyFarm Bureau$30-46%$-37
Mount CrawfordFarm Bureau$25-44%$-29
Mount HollyTravelers$28-43%$-31
Mount JacksonFarm Bureau$26-40%$-26
Mount SidneyFarm Bureau$24-46%$-30
Mount SolonFarm Bureau$25-44%$-29
Mouth Of WilsonTravelers$28-40%$-29
MustoeFarm Bureau$30-35%$-24
NarrowsTravelers$27-41%$-29
NarunaTravelers$28-41%$-30
NassawadoxFarm Bureau$31-37%$-27
NathalieTravelers$28-44%$-33
Natural BridgeFarm Bureau$27-41%$-28
Natural Bridge StationTravelers$28-39%$-26
Naval Weapons StationFarm Bureau$29-43%$-32
NellysfordTravelers$29-40%$-29
NelsonTravelers$28-43%$-32
NelsoniaFarm Bureau$31-37%$-27
NewbernTravelers$27-41%$-29
New CantonTravelers$29-44%$-35
New CastleTravelers$28-38%$-26
New ChurchTravelers$28-41%$-29
New HopeFarm Bureau$25-44%$-29
New KentFarm Bureau$29-43%$-33
New MarketTravelers$26-39%$-25
New PointTravelers$29-40%$-29
NewportTravelers$25-46%$-33
New RiverTravelers$25-45%$-32
NewsomsTravelers$29-40%$-30
NewtownFarm Bureau$33-35%$-26
NickelsvilleFarm Bureau$28-44%$-32
NindeFarm Bureau$28-44%$-32
NokesvilleFarm Bureau$29-46%$-36
NoraFarm Bureau$28-45%$-33
NorgeFarm Bureau$29-41%$-30
North GardenTravelers$28-41%$-30
North SpringfieldFarm Bureau$35-43%$-39
North TazewellTravelers$27-44%$-32
NortonTravelers$26-46%$-33
NorwoodTravelers$29-41%$-31
NottowayTravelers$28-46%$-36
NuttsvilleFarm Bureau$28-42%$-29
Oak HallTravelers$30-36%$-26
OakparkFarm Bureau$31-40%$-31
OakwoodFarm Bureau$30-43%$-33
OilvilleTravelers$34-37%$-30
OldhamsTravelers$28-40%$-28
OnancockFarm Bureau$30-38%$-28
OnemoTravelers$29-40%$-29
OnleyFarm Bureau$30-38%$-27
OpheliaTravelers$28-40%$-28
OrangeTravelers$30-41%$-32
OrdinaryTravelers$29-41%$-30
OriskanyTravelers$28-39%$-27
Orkney SpringsTravelers$26-39%$-25
OrleanFarm Bureau$29-44%$-34
OysterFarm Bureau$31-37%$-27
Paeonian SpringsTravelers$30-41%$-31
Paint BankTravelers$27-39%$-26
PainterFarm Bureau$30-38%$-27
PamplinTravelers$27-42%$-31
ParisFarm Bureau$30-40%$-29
ParksleyFarm Bureau$28-43%$-30
ParrottTravelers$25-45%$-32
PartlowTravelers$31-38%$-28
Patrick SpringsFarm Bureau$29-41%$-29
PearisburgTravelers$26-43%$-30
PembrokeTravelers$25-45%$-32
PenhookFarm Bureau$32-38%$-29
Pennington GapFarm Bureau$30-41%$-30
Penn LairdFarm Bureau$27-39%$-25
PhenixTravelers$28-44%$-33
PhilomontTravelers$31-41%$-32
Pilgrims KnobFarm Bureau$30-43%$-33
PilotTravelers$26-40%$-27
Piney RiverTravelers$28-42%$-31
PittsvilleTravelers$29-40%$-30
Pleasant ValleyTravelers$26-40%$-26
PocahontasFarm Bureau$30-41%$-31
Port HaywoodTravelers$29-40%$-30
Port RepublicFarm Bureau$27-40%$-26
Port RoyalFarm Bureau$30-40%$-29
PoundTravelers$27-45%$-33
Pounding MillTravelers$27-44%$-32
PowhatanTravelers$34-38%$-32
PrattsFarm Bureau$31-40%$-30
Prince GeorgeFarm Bureau$32-41%$-33
ProspectTravelers$27-44%$-32
Providence ForgeFarm Bureau$29-44%$-33
PulaskiTravelers$27-39%$-26
PungoteagueFarm Bureau$30-39%$-28
PurcellvilleFarm Bureau$31-41%$-32
Quantico BaseFarm Bureau$31-45%$-37
QuicksburgTravelers$26-39%$-25
QuinbyFarm Bureau$30-38%$-28
QuinqueTravelers$28-43%$-32
QuintonFarm Bureau$29-43%$-33
RadiantFarm Bureau$31-40%$-31
RandolphTravelers$28-43%$-32
RaphineTravelers$26-41%$-27
RapidanTravelers$31-40%$-31
Rappahannock AcademyFarm Bureau$30-40%$-30
RavenTravelers$28-43%$-32
RawlingsTravelers$29-41%$-31
RectortownFarm Bureau$29-43%$-33
Red AshTravelers$28-43%$-32
Red HouseTravelers$28-44%$-33
Red OakTravelers$28-43%$-31
RedwoodTravelers$27-44%$-33
ReedvilleTravelers$28-39%$-27
RemingtonFarm Bureau$30-43%$-33
RescueFarm Bureau$31-39%$-30
RevaTravelers$31-38%$-29
RhoadesvilleFarm Bureau$30-43%$-33
RiceTravelers$28-45%$-34
RichardsvilleFarm Bureau$30-44%$-35
Rich CreekTravelers$27-41%$-29
RichlandsTravelers$29-41%$-31
RidgewayFarm Bureau$29-40%$-29
RileyvilleTravelers$27-41%$-28
RinerTravelers$26-41%$-27
RinggoldTravelers$31-36%$-27
RipplemeadTravelers$27-42%$-29
RivannaTravelers$28-41%$-30
RixeyvilleTravelers$31-39%$-30
RochelleFarm Bureau$31-41%$-31
Rockbridge BathsTravelers$28-37%$-25
RockvilleFarm Bureau$33-37%$-28
Rocky GapFarm Bureau$31-39%$-29
Rocky MountTravelers$31-38%$-29
Rollins ForkFarm Bureau$30-42%$-31
RosedaleFarm Bureau$28-44%$-32
Rose HillTravelers$33-39%$-32
RoselandTravelers$27-43%$-32
Round HillFarm Bureau$31-40%$-31
RoweTravelers$27-46%$-35
RubyFarm Bureau$32-40%$-31
RuckersvilleTravelers$30-39%$-29
Rural RetreatFarm Bureau$27-40%$-27
RustburgTravelers$27-43%$-31
RuthvilleFarm Bureau$31-40%$-30
SaltvilleFarm Bureau$28-41%$-28
SaludaFarm Bureau$28-42%$-31
SandstonFarm Bureau$32-40%$-32
Sandy HookTravelers$30-42%$-33
Sandy LevelTravelers$30-40%$-30
Sandy PointTravelers$28-41%$-29
SanfordTravelers$28-40%$-29
SaxeTravelers$27-44%$-32
SaxisTravelers$27-43%$-31
SchleyTravelers$30-38%$-28
SchuylerTravelers$29-40%$-30
ScottsburgTravelers$28-42%$-32
ScottsvilleTravelers$30-41%$-31
SeafordFarm Bureau$30-40%$-30
SealstonTravelers$31-38%$-29
SeaviewTravelers$27-42%$-30
SedleyTravelers$30-39%$-29
SelmaTravelers$26-42%$-28
Seven CornersFarm Bureau$36-40%$-34
SevernTravelers$30-38%$-28
ShacklefordsTravelers$29-40%$-29
SharpsTravelers$28-40%$-29
ShawsvilleTravelers$25-43%$-29
ShenandoahTravelers$26-39%$-26
ShipmanTravelers$29-41%$-30
Short PumpFarm Bureau$33-40%$-31
Shortt GapTravelers$27-45%$-34
Singers GlenTravelers$26-41%$-27
SkippersTravelers$29-40%$-30
SkipwithTravelers$28-42%$-31
Skyland EstatesTravelers$31-35%$-25
SmithfieldFarm Bureau$31-40%$-30
SomersetTravelers$29-42%$-32
SomervilleFarm Bureau$30-44%$-34
South BostonTravelers$28-42%$-30
South HillTravelers$27-42%$-29
South RidingFarm Bureau$31-44%$-36
SpartaFarm Bureau$32-38%$-29
SpeedwellTravelers$27-41%$-28
SpencerFarm Bureau$29-40%$-28
SperryvilleTravelers$28-44%$-34
SpotsylvaniaFarm Bureau$29-44%$-33
SpottswoodTravelers$28-37%$-25
Spout SpringFarm Bureau$28-43%$-31
Spring GroveFarm Bureau$33-37%$-28
StaffordFarm Bureau$31-42%$-33
StaffordsvilleTravelers$28-39%$-27
StanardsvilleTravelers$30-39%$-29
StanleyTravelers$27-40%$-27
StanleytownFarm Bureau$29-41%$-29
Star TanneryTravelers$26-42%$-28
State FarmTravelers$32-40%$-32
St. CharlesFarm Bureau$30-40%$-29
Stephens CityTravelers$26-41%$-28
StephensonFarm Bureau$29-39%$-27
SterlingFarm Bureau$34-40%$-32
StevensburgFarm Bureau$30-43%$-33
StevensvilleTravelers$31-37%$-27
Stone RidgeFarm Bureau$32-43%$-36
Stony CreekFarm Bureau$31-40%$-30
St. PaulFarm Bureau$28-44%$-32
StrasburgFarm Bureau$26-42%$-28
StratfordFarm Bureau$31-40%$-30
St. Stephens ChurchTravelers$30-39%$-29
StuartTravelers$27-43%$-30
Stuarts DraftTravelers$26-40%$-27
StudleyTravelers$31-40%$-31
SudleyFarm Bureau$31-44%$-35
Sugar GroveFarm Bureau$29-39%$-27
SumerduckFarm Bureau$32-39%$-30
SurryFarm Bureau$30-41%$-31
SusanTravelers$29-41%$-30
SussexTravelers$30-41%$-31
SutherlandFarm Bureau$31-41%$-32
SutherlinTravelers$32-36%$-26
Sweet BriarTravelers$28-42%$-31
SwoopeTravelers$26-41%$-28
Swords CreekTravelers$26-46%$-34
SyriaTravelers$29-39%$-29
TangierFarm Bureau$30-39%$-28
TannersvilleTravelers$28-43%$-32
TappahannockFarm Bureau$27-45%$-33
TasleyFarm Bureau$30-39%$-28
TazewellTravelers$27-43%$-31
TemperancevilleFarm Bureau$29-40%$-29
ThaxtonTravelers$28-41%$-30
The PlainsFarm Bureau$31-43%$-33
ThornburgFarm Bureau$29-44%$-33
ThynedaleTravelers$27-44%$-33
TimbervilleTravelers$25-40%$-26
ToanoTravelers$29-40%$-29
Toms BrookFarm Bureau$24-47%$-31
ToppingTravelers$28-41%$-29
TownsendTravelers$28-41%$-30
TreviliansTravelers$28-45%$-34
TriangleFarm Bureau$31-45%$-37
TroutdaleTravelers$28-40%$-28
TroutvilleTravelers$27-40%$-28
TroyTravelers$30-40%$-30
TyroTravelers$27-44%$-32
Tysons CornerFarm Bureau$34-40%$-34
Union HallFarm Bureau$32-38%$-29
UnionvilleFarm Bureau$30-44%$-34
University of VirginiaTravelers$29-39%$-28
UppervilleFarm Bureau$33-37%$-28
UrbannaFarm Bureau$29-40%$-29
ValentinesTravelers$27-44%$-32
VansantTravelers$29-44%$-34
Vernon HillTravelers$28-43%$-33
VeronaFarm Bureau$24-46%$-30
VestaFarm Bureau$32-35%$-26
VesuviusTravelers$28-39%$-27
VictoriaTravelers$28-43%$-33
ViewtownFarm Bureau$30-42%$-32
VillageFarm Bureau$30-39%$-28
VillamontTravelers$27-42%$-30
VintonFarm Bureau$28-40%$-27
VirgilinaTravelers$28-42%$-31
WachapreagueFarm Bureau$29-40%$-29
WakeFarm Bureau$29-40%$-29
WakefieldTravelers$30-38%$-29
WalkertonFarm Bureau$32-37%$-28
WardtownFarm Bureau$31-38%$-27
Ware NeckTravelers$32-35%$-26
WarfieldTravelers$29-41%$-31
Warm SpringsTravelers$30-34%$-24
WarrentonFarm Bureau$29-45%$-35
WarsawTravelers$29-38%$-27
WashingtonFarm Bureau$31-40%$-31
WaterfordFarm Bureau$32-40%$-31
Water ViewFarm Bureau$29-40%$-28
WattsvilleFarm Bureau$29-40%$-29
WaverlyFarm Bureau$32-39%$-30
Weber CityTravelers$28-41%$-30
WeemsFarm Bureau$28-41%$-29
West AugustaTravelers$28-38%$-26
West Falls ChurchFarm Bureau$35-41%$-36
West McleanFarm Bureau$34-41%$-35
West PointTravelers$29-40%$-29
West SpringfieldFarm Bureau$35-41%$-36
Weyers CaveFarm Bureau$24-46%$-30
White MarshTravelers$29-41%$-30
White PlainsTravelers$27-44%$-32
White PostTravelers$27-40%$-28
White StoneTravelers$27-41%$-29
WhitetopTravelers$27-42%$-31
WhitewoodFarm Bureau$30-42%$-33
WicomicoTravelers$31-37%$-27
Wicomico ChurchTravelers$28-41%$-29
WilliamsburgTravelers$28-41%$-30
WillisFarm Bureau$30-39%$-28
Willis WharfFarm Bureau$30-38%$-27
WilsonsFarm Bureau$31-40%$-31
WindsorFarm Bureau$32-39%$-30
WinginaTravelers$29-43%$-33
WirtzFarm Bureau$29-44%$-33
WiseTravelers$27-44%$-32
WithamsTravelers$28-41%$-29
WolfordFarm Bureau$30-44%$-35
WolftownFarm Bureau$31-40%$-30
Wolf TrapFarm Bureau$33-42%$-35
Woodberry ForestTravelers$29-42%$-32
WoodfordTravelers$31-38%$-28
WoodlawnFarm Bureau$31-42%$-34
Woods Cross RoadsTravelers$28-41%$-30
WoodstockFarm Bureau$24-44%$-28
WoodvilleFarm Bureau$33-37%$-29
WoolwineFarm Bureau$29-41%$-29
WoolwineTravelers$28-41%$-29
WylliesburgTravelers$28-43%$-32
WyndhamFarm Bureau$32-41%$-32
WythevilleTravelers$28-38%$-25
YaleTravelers$29-42%$-32
YorktownFarm Bureau$30-42%$-32
ZacataFarm Bureau$31-39%$-29
ZuniTravelers$30-39%$-30

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

Cheapest Car Insurance in Virginia By Driver Age Group

We analyzed car insurance rates across Virginia for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:

  • Farm Bureau offers the lowest rates for young drivers starting at $67 per month
  • Travelers provides affordable coverage for adult drivers from $30 per month
  • Travelers leads with competitive rates for seniors beginning at $42 per month

Cheapest Car Insurance For Young Drivers in Virginia

Farm Bureau stands out as the most affordable option for young drivers in Virginia, offering both minimum and full coverage at rates well below the state average. Their minimum coverage starts at $67 monthly, saving drivers 51% compared to typical state rates. For full coverage, Farm Bureau maintains its cost advantage with monthly premiums of $123, representing a 50% savings against the state average.

Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Auto Owners$512$6,142-38%$-3,694
Erie Insurance$524$6,292-36%$-3,544
Farm Bureau$519$6,227-37%$-3,608
Penn National Insurance$508$6,093-38%$-3,742
Geico$532$6,388-35%$-3,447

Cheapest Car Insurance For Adult Drivers in Virginia

Virginia drivers who want affordable coverage can find the state's lowest rates with Farm Bureau. It offers minimum liability insurance at $32 monthly and full coverage at $61 per month.

Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Auto Owners$218$2,618-32%$-1,253
Erie Insurance$253$3,036-22%$-834
Penn National Insurance$190$2,274-41%$-1,596
Farm Bureau$258$3,100-20%$-770
Geico$256$3,073-21%$-798

Cheapest Car Insurance For Senior Drivers in Virginia

Travelers offers Virginia seniors the lowest auto insurance rates, with annual premiums of $987 for full coverage and $505 for minimum coverage.

Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Auto Owners$322$3,866-26%$-1,330
Erie Insurance$385$4,616-11%$-580
Travelers$355$4,260-18%$-935
Penn National Insurance$221$2,653-49%$-2,542
Geico$319$3,830-26%$-1,365

Cheapest Car Insurance For High-Risk Drivers in Virginia

We studied four core areas for profiles insurers consider particularly high-risk in Virginia including those with bad credit, DUIs, accidents, speeding tickets and driving while texting violation. Here are the providers that offer the best rates for each group:

  • Cheapest for Bad Credit: Penn National Insurance (From $204/mo)
  • Cheapest With a DUI: Farm Bureau (From $77/mo)
  • Cheapest With an Accident: Farm Bureau (From $81/mo)
  • Cheapest With a Speeding Ticket: Travelers (From $84/mo)
  • Cheapest With a Texting While Driving Violation: Auto Owners (From $37/mo)

Cheapest Car Insurance For Bad Credit in Virginia

Penn National Insurance offers Virginia's lowest rates for drivers with poor credit. Annual premiums start at $963 for minimum liability coverage and $2,191 for full coverage policies.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Auto Owners$292$3,506-28%$-1,388
Travelers$312$3,746-23%$-1,148
Penn National Insurance$243$2,919-40%$-1,975
Farm Bureau$308$3,699-24%$-1,195
Geico$316$3,794-22%$-1,100

Cheapest Car Insurance With a DUI in Virginia

Farm Bureau ranks as the most affordable option for Virginia drivers with DUIs, with Travelers providing the next best rates. These insurers offer annual premiums starting at $477 and $528 respectively, helping drivers find coverage despite their violation.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Auto Owners$270$3,237-30%$-1,362
Travelers$288$3,460-25%$-1,139
Progressive$318$3,822-17%$-777
Farm Bureau$244$2,926-36%$-1,673
Allstate$306$3,670-20%$-929

Cheapest Car Insurance With an Accident in Virginia

Travelers provides the most affordable car insurance for Virginia drivers with an accident on their record. The company's rates start at $41 per month or $489 per year for minimum liability coverage.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Auto Owners$218$2,618-32%$-1,253
Erie Insurance$253$3,036-22%$-834
Penn National Insurance$190$2,274-41%$-1,596
Farm Bureau$258$3,100-20%$-770
Geico$256$3,073-21%$-798

Cheapest Car Insurance With an Speeding Ticket

Virginia drivers with speeding tickets can find the lowest rates through Travelers. The provider offers minimum coverage at $450 per year, while full coverage costs $1,011 annually, making it the most budget-friendly option in Virginia.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Auto Owners$174$2,093-36%$-1,201
Erie Insurance$187$2,245-32%$-1,049
Penn National Insurance$166$1,996-39%$-1,298
Travelers$251$3,010-9%$-284
Geico$220$2,640-20%$-654

Cheapest Car Insurance With a Texting While Driving Violation

Auto-Owners offers the cheapest car insurance rates for Virginia drivers with a texting-while-driving violation. Minimum coverage averages about $447 per year, while full coverage costs around $820 annually. That makes full coverage roughly 44% less expensive than the state average.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Below Fair
Auto Owners$140$1,679-49%$-1,587
Penn National Insurance$152$1,820-44%$-1,446
Erie Insurance$194$2,331-29%$-935
Farm Bureau$220$2,639-19%$-628
Geico$250$2,998-8%$-269

How to Get the Cheapest Car Insurance in Virginia

Finding the most affordable insurance companies is just the first step to getting the best rates in Virginia. Here are proven ways to save the most on auto insurance.

  1. 1

    Compare multiple insurers

    Rates in Virginia vary widely between metro areas like Northern Virginia, Richmond, and Hampton Roads and the state’s rural regions. To secure the best price, get quotes from both large national carriers and regional insurers that are familiar with local driving patterns.

  2. 2

    Understand the state minimums

    Virginia requires drivers to carry 30/60/20 liability coverage ($30,000 per person, $60,000 per accident, and $20,000 for property damage). Uninsured/underinsured motorist coverage is also mandatory in equal amounts. While these limits satisfy legal requirements, many drivers choose higher coverage for added protection.

  3. 3

    Adjust deductibles wisely

    If you carry collision or comprehensive coverage, choosing a higher deductible can reduce your premium. This strategy works best for drivers with savings available to cover out-of-pocket repair costs.

  4. 4

    Maximize available discounts

    Virginia insurers commonly offer savings for safe driving, telematics programs, bundling auto with home or renters insurance, good student performance, and paying your policy in full. Completing a defensive driving course may also qualify you for a premium reduction.

  5. 5

    Match coverage to regional risks

    Coastal areas face hurricane and flood threats, while western parts of Virginia see snow and ice during winter. In these areas, adding comprehensive and collision coverage helps protect your vehicle against weather and accident-related losses.

  6. 6

    Maintain a strong driver profile

    Keeping a clean record and building good credit are two of the most effective ways to secure lower premiums. Insurers in Virginia weigh both heavily when setting rates.

  7. 7

    Last-resort coverage through VAIP

    If you cannot find coverage in the voluntary market, the Virginia Automobile Insurance Plan (VAIP) provides access to the required liability coverage, though at higher rates.

Risks of Getting the Cheapest Car Insurance in Virginia

Virginia requires drivers to carry liability insurance with minimum coverage of 50/100/25. This means you need $50,000 for injuries to one person, $100,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:

    accident2 icon

    Vehicle damage if you're at fault won't be covered

    Without collision coverage, you'll pay all repair costs if you cause an accident. In Virginia, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.

    hurricane icon

    Weather risks make damage to your car more likely and aren't covered

    Virginia gets hit with severe weather that damages cars regularly. Weather-related incidents cause significant property damage annually, according to the National Centers for Environmental Information. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, flooding and falling trees, especially in coastal regions.

    injury icon

    Bodily injury damage is more likely to be higher than the minimum limits

    While Virginia's minimum bodily injury coverage of $50,000 per person covers most typical claims, severe accidents can exceed these limits. Average bodily injury claims reached $20,235 nationwide in 2023, according to the Insurance Information Institute, but serious accidents involving multiple injuries or long-term care can cost hundreds of thousands. Rising medical costs increase your risk of out-of-pocket expenses for major accidents. Consider higher coverage limits for better protection against catastrophic claims.

    uninsured icon

    Not having uninsured motorist coverage opens you up to unexpected costs

    Virginia has an uninsured driver problem, with 10.5% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.

    handcuffs2 icon

    Vehicle theft damage is more likely and uncovered

    Car theft is a problem in Virginia. Vehicle thefts increased nationwide in 2023, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $8,000, so comprehensive coverage is worth it in high-risk areas.

Minimum Coverage Requirements in Virginia

Virginia requires drivers to carry auto insurance or pay an Uninsured Motor Vehicle (UMV) fee to the DMV. Choosing the fee allows you to drive legally without insurance, but you remain fully responsible for any damages if you cause an accident. For those who purchase insurance, the state mandates minimum liability coverage to pay for injuries and property damage to others. While these limits meet legal standards, many Virginians opt for higher coverage to safeguard against major financial losses.

Coverage Type
Minimum Required Limit

Bodily Injury Liability (Per Person)

$30,000 per person

Bodily Injury Liability (Per Accident)

$60,000 per accident

Property Damage Liability

$20,000 per accident

Uninsured/Underinsured Motorist Coverage

Same as liability minimums (30/60/20)

Cheap Car Insurance in Virginia: Bottom Line

Travelers offers the lowest car insurance rates in Virginia for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.

Cheap Car Insurance in Virginia: FAQ

Below, we answer common questions about finding affordable car insurance in Virginia based on our latest research.

What are the cheapest car insurance companies in Virginia?

Who has the cheapest car insurance rates for young drivers in Virginia?

Who offers the cheapest car insurance rates for seniors in Virginia?

Who has the cheapest car insurance in Virginia for bad credit?

Who has the cheapest car insurance in Virginia with an accident?

Who has the cheapest car insurance in Virginia with a DUI?

Who has the cheapest car insurance in Virginia for those with a speeding ticket?

Should you buy the cheapest car insurance in Virginia?

How We Found the Most Affordable Car Insurance in Virginia

MoneyGeek collected auto insurance data from the Virginia Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Virginia.

Virginia Driver Profile

Our analysis started with a standard driver profile to find the cheapest rates:

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

We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.

Standard Coverage Levels in Virginia

We compared car insurance companies in Virginia that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Virginia.

The minimum coverage liability limits in Virginia are:

$30,000 per person for bodily injury $60,000 per accident for bodily injury $20,000 per accident for property damage

For full coverage policy rates, we used the following liability limits:

$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

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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