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.
Cheapest Car Insurance in Virginia
Updated: August 28, 2025
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Key Takeaways
The cheapest car insurance companies in Virginia for most drivers are Travelers, Farm Bureau and Auto-Owners, offering average savings of up to 41%.
Car insurance costs can be as low as $27 monthly for minimum coverage and $61 for full coverage policies on average in Virginia.
Research average costs to compare top companies, take advantage of discounts and compare multiple provider quotes to get the cheapest car insurance in Virginia.
Who Has the Cheapest Car Insurance in Virginia?
| 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.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN VIRGINIA
We've created additional guides below to help you in your search for the best and cheapest 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 Drivers | Farm Bureau | $67 |
| Adult Drivers | Travelers | $30 |
| Senior Drivers | Travelers | $42 |
| Drivers With An Accident | Farm Bureau | $43 |
| Drivers With A DUI | Farm Bureau | $38 |
| Drivers With A Speeding Ticket | Travelers | $37 |
| Drivers With Bad Credit | Penn National Insurance | $88 |
| Drivers With Low Income | Auto Owners | $56 |
| Drivers With Newer Cars | Travelers | $30 |
| Drivers With Old Cars | Farm 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 Beach | Farm Bureau | $37 | -40% | $-35 |
| Chesapeake | Travelers | $38 | -38% | $-33 |
| Norfolk | Travelers | $38 | -35% | $-31 |
| Richmond | Farm Bureau | $36 | -40% | $-34 |
| Newport News | Farm Bureau | $36 | -38% | $-31 |
| Alexandria | Farm Bureau | $37 | -41% | $-37 |
| Hampton | Farm Bureau | $36 | -41% | $-35 |
| Roanoke | Farm Bureau | $29 | -39% | $-27 |
| Portsmouth | Travelers | $35 | -36% | $-31 |
| Suffolk | Farm Bureau | $31 | -41% | $-31 |
| Lynchburg | Travelers | $27 | -43% | $-31 |
| Centreville | Farm Bureau | $35 | -40% | $-34 |
| Dale City | Farm Bureau | $32 | -46% | $-39 |
| Reston | Farm Bureau | $33 | -40% | $-33 |
| Harrisonburg | Travelers | $25 | -41% | $-27 |
| Leesburg | Travelers | $31 | -38% | $-29 |
| McLean | Farm Bureau | $33 | -43% | $-36 |
| Charlottesville | Travelers | $29 | -40% | $-29 |
| Blacksburg | Travelers | $25 | -43% | $-28 |
| Lake Ridge | Farm Bureau | $33 | -43% | $-38 |
| Annandale | Farm Bureau | $35 | -42% | $-38 |
| Tuckahoe | Farm Bureau | $32 | -41% | $-33 |
| Burke | Farm Bureau | $35 | -42% | $-36 |
| Manassas | Farm Bureau | $31 | -45% | $-36 |
| Linton Hall | Farm Bureau | $30 | -45% | $-35 |
| Mechanicsville | Farm Bureau | $31 | -41% | $-32 |
| Oakton | Farm Bureau | $33 | -41% | $-33 |
| Springfield | Farm Bureau | $35 | -44% | $-39 |
| Ashburn | Farm Bureau | $32 | -39% | $-30 |
| Salem | Travelers | $27 | -40% | $-27 |
| Petersburg | Travelers | $32 | -40% | $-31 |
| Herndon | Farm Bureau | $34 | -39% | $-32 |
| Winchester | Travelers | $26 | -42% | $-29 |
| Fairfax | Farm Bureau | $37 | -40% | $-35 |
| Staunton | Farm Bureau | $25 | -42% | $-28 |
| Christiansburg | Travelers | $24 | -44% | $-29 |
| Chantilly | Farm Bureau | $34 | -40% | $-34 |
| Waynesboro | Travelers | $26 | -39% | $-26 |
| Culpeper | Travelers | $31 | -39% | $-30 |
| Vienna | Farm Bureau | $34 | -40% | $-33 |
| Hopewell | Travelers | $33 | -38% | $-30 |
| Fredericksburg | Farm Bureau | $31 | -40% | $-30 |
| Franklin | Farm Bureau | $31 | -38% | $-28 |
| Franklin | Travelers | $30 | -38% | $-28 |
| Poquoson | Farm Bureau | $31 | -40% | $-30 |
| Radford | Travelers | $25 | -45% | $-31 |
| Martinsville | Farm Bureau | $29 | -39% | $-28 |
| Colonial Heights | Farm Bureau | $32 | -40% | $-32 |
| Arlington | Travelers | $33 | -43% | $-36 |
| Abingdon | Travelers | $27 | -40% | $-27 |
| Accomac | Farm Bureau | $30 | -38% | $-27 |
| Achilles | Farm Bureau | $30 | -39% | $-29 |
| Afton | Travelers | $29 | -39% | $-28 |
| Alberta | Travelers | $27 | -44% | $-32 |
| Altavista | Travelers | $27 | -42% | $-29 |
| Alton | Travelers | $28 | -42% | $-31 |
| Amelia Court House | Farm Bureau | $35 | -36% | $-29 |
| Amherst | Travelers | $27 | -42% | $-30 |
| Amissville | Farm Bureau | $32 | -40% | $-31 |
| Ammon | Travelers | $27 | -47% | $-36 |
| Amonate | Travelers | $27 | -45% | $-33 |
| Andover | Farm Bureau | $28 | -43% | $-32 |
| Appalachia | Travelers | $26 | -45% | $-33 |
| Appomattox | Travelers | $28 | -42% | $-30 |
| Ararat | Farm Bureau | $28 | -43% | $-31 |
| Ark | Farm Bureau | $30 | -40% | $-29 |
| Aroda | Farm Bureau | $31 | -40% | $-31 |
| Arrington | Travelers | $28 | -43% | $-31 |
| Arvonia | Travelers | $29 | -43% | $-33 |
| Ashland | Farm Bureau | $32 | -39% | $-30 |
| Assawoman | Travelers | $28 | -40% | $-29 |
| Atkins | Farm Bureau | $28 | -40% | $-27 |
| Atlantic | Travelers | $29 | -39% | $-28 |
| Austinville | Travelers | $27 | -42% | $-29 |
| Axton | Farm Bureau | $30 | -42% | $-32 |
| Aylett | Farm Bureau | $33 | -35% | $-26 |
| Bacova | Travelers | $27 | -39% | $-26 |
| Bailey's Crossroads | Farm Bureau | $36 | -42% | $-37 |
| Banco | Farm Bureau | $31 | -39% | $-30 |
| Bandy | Travelers | $27 | -44% | $-33 |
| Barboursville | Travelers | $30 | -40% | $-30 |
| Barhamsville | Farm Bureau | $29 | -41% | $-30 |
| Barren Springs | Travelers | $28 | -40% | $-29 |
| Baskerville | Travelers | $28 | -43% | $-31 |
| Bassett | Farm Bureau | $29 | -41% | $-29 |
| Bastian | Travelers | $29 | -41% | $-31 |
| Basye | Travelers | $26 | -38% | $-25 |
| Batesville | Travelers | $29 | -41% | $-30 |
| Battery Park | Farm Bureau | $31 | -40% | $-30 |
| Bealeton | Farm Bureau | $29 | -44% | $-34 |
| Beaumont | Travelers | $32 | -41% | $-33 |
| Beaverdam | Farm Bureau | $31 | -40% | $-30 |
| Bedford | Travelers | $27 | -43% | $-32 |
| Bee | Travelers | $28 | -44% | $-33 |
| Belle Haven | Farm Bureau | $32 | -40% | $-31 |
| Belspring | Travelers | $26 | -44% | $-31 |
| Bena | Farm Bureau | $30 | -39% | $-29 |
| Ben Hur | Farm Bureau | $28 | -44% | $-32 |
| Bent Mountain | Travelers | $28 | -39% | $-28 |
| Bentonville | Travelers | $30 | -37% | $-26 |
| Bergton | Travelers | $25 | -41% | $-26 |
| Berryville | Farm Bureau | $30 | -37% | $-26 |
| Bethel Manor | Farm Bureau | $31 | -41% | $-32 |
| Big Island | Travelers | $29 | -41% | $-30 |
| Big Rock | Travelers | $30 | -42% | $-33 |
| Big Stone Gap | Travelers | $27 | -44% | $-32 |
| Birchleaf | Travelers | $29 | -43% | $-33 |
| Birdsnest | Farm Bureau | $31 | -37% | $-26 |
| Bishop | Travelers | $27 | -44% | $-33 |
| Blackstone | Travelers | $29 | -43% | $-33 |
| Blackwater | Travelers | $30 | -40% | $-30 |
| Blairs | Travelers | $32 | -37% | $-28 |
| Bland | Travelers | $28 | -40% | $-28 |
| Bloxom | Farm Bureau | $29 | -41% | $-29 |
| Bluefield | Farm Bureau | $29 | -43% | $-32 |
| Blue Grass | Farm Bureau | $30 | -36% | $-25 |
| Bluemont | Farm Bureau | $30 | -40% | $-30 |
| Blue Ridge | Travelers | $28 | -41% | $-29 |
| Bohannon | Travelers | $28 | -41% | $-30 |
| Boissevain | Farm Bureau | $30 | -41% | $-31 |
| Bon Air | Farm Bureau | $33 | -41% | $-34 |
| Boones Mill | Travelers | $29 | -40% | $-30 |
| Boonesville | Travelers | $29 | -41% | $-31 |
| Boston | Travelers | $31 | -39% | $-29 |
| Bowling Green | Farm Bureau | $31 | -40% | $-30 |
| Boyce | Travelers | $27 | -41% | $-29 |
| Boydton | Travelers | $28 | -42% | $-31 |
| Boykins | Travelers | $29 | -41% | $-30 |
| Bracey | Travelers | $27 | -43% | $-31 |
| Branchville | Travelers | $30 | -40% | $-29 |
| Brandy Station | Travelers | $31 | -40% | $-31 |
| Breaks | Farm Bureau | $32 | -41% | $-32 |
| Bremo Bluff | Travelers | $30 | -40% | $-30 |
| Bridgewater | Farm Bureau | $24 | -45% | $-29 |
| Brightwood | Farm Bureau | $31 | -40% | $-30 |
| Bristol | Travelers | $26 | -41% | $-28 |
| Broadford | Travelers | $27 | -43% | $-31 |
| Broadlands | Farm Bureau | $34 | -38% | $-30 |
| Broad Run | Farm Bureau | $29 | -45% | $-36 |
| Broadway | Farm Bureau | $24 | -44% | $-28 |
| Brodnax | Travelers | $26 | -44% | $-32 |
| Brooke | Farm Bureau | $32 | -41% | $-32 |
| Brookneal | Travelers | $28 | -42% | $-31 |
| Brownsburg | Travelers | $28 | -37% | $-25 |
| Brucetown | Travelers | $27 | -41% | $-28 |
| Bruington | Travelers | $30 | -37% | $-27 |
| Buchanan | Travelers | $28 | -40% | $-29 |
| Buckingham | Travelers | $29 | -42% | $-32 |
| Buena Vista | Travelers | $27 | -38% | $-25 |
| Buffalo Junction | Travelers | $28 | -42% | $-31 |
| Bumpass | Travelers | $31 | -40% | $-31 |
| Burgess | Farm Bureau | $27 | -45% | $-31 |
| Burkes Garden | Farm Bureau | $31 | -38% | $-28 |
| Burkeville | Travelers | $28 | -44% | $-34 |
| Burnsville | Farm Bureau | $24 | -48% | $-33 |
| Burr Hill | Farm Bureau | $30 | -44% | $-34 |
| Callands | Travelers | $31 | -40% | $-32 |
| Callao | Farm Bureau | $28 | -41% | $-29 |
| Callaway | Travelers | $30 | -39% | $-29 |
| Calverton | Farm Bureau | $29 | -45% | $-35 |
| Cana | Travelers | $27 | -41% | $-29 |
| Cape Charles | Farm Bureau | $31 | -37% | $-27 |
| Capeville | Farm Bureau | $28 | -42% | $-30 |
| Capron | Travelers | $30 | -40% | $-30 |
| Cardinal | Travelers | $28 | -42% | $-31 |
| Caret | Travelers | $29 | -40% | $-29 |
| Carrollton | Farm Bureau | $30 | -43% | $-34 |
| Carrsville | Farm Bureau | $31 | -39% | $-30 |
| Carson | Travelers | $32 | -38% | $-29 |
| Cartersville | Travelers | $29 | -44% | $-35 |
| Casanova | Farm Bureau | $29 | -45% | $-35 |
| Cascade | Travelers | $31 | -36% | $-27 |
| Castleton | Travelers | $32 | -38% | $-30 |
| Castleton | Farm Bureau | $33 | -38% | $-30 |
| Castlewood | Travelers | $28 | -42% | $-31 |
| Catawba | Travelers | $27 | -40% | $-28 |
| Catharpin | Farm Bureau | $30 | -47% | $-39 |
| Catlett | Farm Bureau | $29 | -45% | $-35 |
| Cave Spring | Farm Bureau | $28 | -41% | $-29 |
| Cedar Bluff | Travelers | $27 | -44% | $-32 |
| Center Cross | Travelers | $29 | -38% | $-27 |
| Ceres | Travelers | $28 | -41% | $-30 |
| Champlain | Travelers | $29 | -39% | $-28 |
| Charles City | Farm Bureau | $31 | -40% | $-30 |
| Charlotte Court House | Travelers | $27 | -45% | $-34 |
| Chatham | Farm Bureau | $33 | -42% | $-36 |
| Check | Travelers | $29 | -41% | $-30 |
| Cherry Hill | Farm Bureau | $32 | -46% | $-39 |
| Chester | Farm Bureau | $31 | -44% | $-35 |
| Chesterfield | Farm Bureau | $31 | -44% | $-35 |
| Chester Gap | Travelers | $29 | -42% | $-32 |
| Chilhowie | Farm Bureau | $27 | -42% | $-30 |
| Chincoteague | Travelers | $28 | -41% | $-29 |
| Chincoteague Island | Travelers | $28 | -40% | $-28 |
| Christchurch | Farm Bureau | $31 | -37% | $-27 |
| Church Road | Farm Bureau | $34 | -35% | $-28 |
| Church View | Farm Bureau | $29 | -40% | $-29 |
| Churchville | Travelers | $26 | -41% | $-28 |
| Claremont | Travelers | $29 | -42% | $-32 |
| Clarksville | Travelers | $28 | -42% | $-31 |
| Claudville | Farm Bureau | $28 | -43% | $-30 |
| Clear Brook | Travelers | $28 | -39% | $-27 |
| Cleveland | Travelers | $28 | -43% | $-32 |
| Clifford | Farm Bureau | $28 | -43% | $-31 |
| Clifton Forge | Travelers | $26 | -41% | $-27 |
| Clinchco | Farm Bureau | $29 | -44% | $-33 |
| Clintwood | Farm Bureau | $28 | -46% | $-35 |
| Clover | Travelers | $28 | -43% | $-33 |
| Cloverdale | Travelers | $27 | -39% | $-27 |
| Cobbs Creek | Farm Bureau | $29 | -40% | $-29 |
| Coeburn | Farm Bureau | $29 | -43% | $-32 |
| Coleman Falls | Travelers | $28 | -42% | $-31 |
| Coles Point | Travelers | $29 | -39% | $-29 |
| Collinsville | Farm Bureau | $29 | -39% | $-28 |
| Colonial Beach | Travelers | $32 | -36% | $-27 |
| Columbia | Travelers | $30 | -42% | $-33 |
| Concord | Travelers | $27 | -43% | $-31 |
| Copper Hill | Travelers | $30 | -39% | $-29 |
| Corbin | Farm Bureau | $31 | -39% | $-29 |
| Courtland | Travelers | $29 | -40% | $-29 |
| Covesville | Travelers | $29 | -40% | $-29 |
| Covington | Travelers | $26 | -41% | $-27 |
| Craddockville | Farm Bureau | $29 | -41% | $-29 |
| Craigsville | Travelers | $28 | -39% | $-26 |
| Crewe | Travelers | $29 | -44% | $-34 |
| Criders | Travelers | $25 | -41% | $-27 |
| Cripple Creek | Travelers | $27 | -42% | $-30 |
| Critz | Farm Bureau | $29 | -41% | $-30 |
| Crockett | Travelers | $27 | -39% | $-27 |
| Crozet | Travelers | $28 | -41% | $-30 |
| Crozier | Travelers | $33 | -38% | $-30 |
| Crystal Hill | Travelers | $28 | -44% | $-33 |
| Cullen | Travelers | $27 | -45% | $-34 |
| Cumberland | Travelers | $29 | -46% | $-37 |
| Dahlgren Center | Travelers | $31 | -37% | $-28 |
| Daleville | Travelers | $27 | -40% | $-27 |
| Damascus | Farm Bureau | $28 | -41% | $-29 |
| Dante | Travelers | $29 | -42% | $-32 |
| Danville | Travelers | $30 | -37% | $-27 |
| Davenport | Travelers | $28 | -45% | $-35 |
| Davis Wharf | Farm Bureau | $29 | -42% | $-30 |
| Dayton | Farm Bureau | $24 | -46% | $-29 |
| Deerfield | Travelers | $27 | -39% | $-27 |
| Delaplane | Farm Bureau | $33 | -36% | $-27 |
| Deltaville | Farm Bureau | $29 | -40% | $-29 |
| Dendron | Farm Bureau | $31 | -41% | $-31 |
| Dewitt | Travelers | $31 | -40% | $-31 |
| Diggs | Farm Bureau | $29 | -41% | $-29 |
| Dillwyn | Travelers | $28 | -44% | $-34 |
| Dinwiddie | Travelers | $32 | -38% | $-30 |
| Disputanta | Farm Bureau | $32 | -40% | $-30 |
| Doe Hill | Farm Bureau | $27 | -42% | $-29 |
| Dogue | Travelers | $31 | -37% | $-28 |
| Dolphin | Travelers | $27 | -44% | $-33 |
| Doran | Travelers | $27 | -46% | $-35 |
| Doswell | Farm Bureau | $32 | -38% | $-29 |
| Drakes Branch | Travelers | $27 | -45% | $-34 |
| Draper | Travelers | $28 | -36% | $-24 |
| Drewryville | Travelers | $29 | -41% | $-31 |
| Dryden | Travelers | $28 | -42% | $-31 |
| Dry Fork | Travelers | $32 | -38% | $-29 |
| Dublin | Travelers | $26 | -40% | $-26 |
| Duffield | Farm Bureau | $28 | -43% | $-32 |
| Dugspur | Travelers | $28 | -40% | $-29 |
| Dulles | Farm Bureau | $33 | -39% | $-31 |
| Dulles Town Center | Farm Bureau | $33 | -39% | $-32 |
| Dundas | Travelers | $28 | -44% | $-33 |
| Dungannon | Travelers | $27 | -44% | $-32 |
| Dunn Loring | Farm Bureau | $32 | -43% | $-36 |
| Dunnsville | Farm Bureau | $29 | -41% | $-30 |
| Dutton | Farm Bureau | $29 | -42% | $-31 |
| Eagle Rock | Travelers | $27 | -40% | $-28 |
| Earlysville | Travelers | $30 | -39% | $-29 |
| East Stone Gap | Farm Bureau | $28 | -45% | $-33 |
| Eastville | Farm Bureau | $28 | -43% | $-32 |
| Ebony | Travelers | $27 | -43% | $-31 |
| Edinburg | Travelers | $30 | -39% | $-29 |
| Edwardsville | Farm Bureau | $29 | -40% | $-29 |
| Eggleston | Travelers | $27 | -43% | $-30 |
| Elberon | Farm Bureau | $31 | -40% | $-30 |
| Elk Creek | Travelers | $27 | -41% | $-29 |
| Elkton | Travelers | $27 | -39% | $-26 |
| Elkwood | Farm Bureau | $30 | -44% | $-34 |
| Elliston | Travelers | $26 | -42% | $-28 |
| Emporia | Travelers | $29 | -42% | $-32 |
| Esmont | Travelers | $29 | -40% | $-30 |
| Etlan | Travelers | $30 | -40% | $-30 |
| Ettrick | Travelers | $31 | -43% | $-34 |
| Evergreen | Travelers | $27 | -42% | $-31 |
| Evington | Travelers | $27 | -43% | $-31 |
| Ewing | Travelers | $29 | -42% | $-32 |
| Exmore | Farm Bureau | $30 | -38% | $-28 |
| Faber | Travelers | $29 | -39% | $-28 |
| Fairfax Station | Farm Bureau | $35 | -41% | $-35 |
| Fairfield | Travelers | $28 | -38% | $-25 |
| Fair Oaks | Farm Bureau | $34 | -40% | $-33 |
| Falls Church | Farm Bureau | $33 | -41% | $-34 |
| Falls Mills | Travelers | $29 | -41% | $-31 |
| Fancy Gap | Travelers | $27 | -42% | $-29 |
| Farmville | Travelers | $27 | -44% | $-33 |
| Farnham | Travelers | $28 | -40% | $-28 |
| Ferrum | Travelers | $30 | -38% | $-29 |
| Fieldale | Farm Bureau | $29 | -39% | $-28 |
| Fincastle | Travelers | $28 | -39% | $-27 |
| Fishers Hill | Farm Bureau | $27 | -41% | $-27 |
| Fishersville | Travelers | $26 | -40% | $-26 |
| Fleet | Farm Bureau | $41 | -32% | $-28 |
| Flint Hill | Farm Bureau | $32 | -40% | $-31 |
| Floyd | Farm Bureau | $29 | -41% | $-29 |
| Ford | Travelers | $31 | -40% | $-31 |
| Forest | Travelers | $29 | -39% | $-28 |
| Fork Union | Travelers | $30 | -39% | $-30 |
| Fort Belvoir | Farm Bureau | $35 | -42% | $-37 |
| Fort Blackmore | Farm Bureau | $28 | -44% | $-32 |
| Fort Defiance | Farm Bureau | $25 | -44% | $-29 |
| Fort Hunt | Farm Bureau | $34 | -44% | $-39 |
| Fort Lee | Farm Bureau | $32 | -40% | $-31 |
| Fort Mitchell | Travelers | $27 | -45% | $-33 |
| Fort Valley | Travelers | $27 | -39% | $-26 |
| Foster | Farm Bureau | $29 | -41% | $-30 |
| Franktown | Farm Bureau | $30 | -39% | $-28 |
| Freeman | Travelers | $29 | -41% | $-30 |
| Free Union | Farm Bureau | $29 | -41% | $-30 |
| Fries | Travelers | $26 | -43% | $-30 |
| Front Royal | Farm Bureau | $29 | -38% | $-27 |
| Fulks Run | Travelers | $25 | -42% | $-27 |
| Gainesville | Farm Bureau | $29 | -45% | $-35 |
| Galax | Travelers | $26 | -43% | $-30 |
| Gasburg | Travelers | $27 | -43% | $-30 |
| Gate City | Travelers | $28 | -41% | $-30 |
| Glade Hill | Farm Bureau | $30 | -42% | $-32 |
| Glade Spring | Travelers | $27 | -41% | $-28 |
| Gladstone | Travelers | $28 | -41% | $-30 |
| Gladys | Travelers | $27 | -43% | $-31 |
| Glasgow | Farm Bureau | $27 | -41% | $-28 |
| Glen Allen | Farm Bureau | $32 | -41% | $-33 |
| Glen Lyn | Travelers | $28 | -40% | $-28 |
| Glen Wilton | Travelers | $26 | -44% | $-30 |
| Gloucester | Farm Bureau | $31 | -38% | $-28 |
| Gloucester Point | Farm Bureau | $30 | -40% | $-29 |
| Goldvein | Farm Bureau | $29 | -45% | $-35 |
| Goochland | Travelers | $31 | -42% | $-34 |
| Goode | Travelers | $28 | -43% | $-31 |
| Goodview | Travelers | $30 | -38% | $-29 |
| Gordonsville | Travelers | $30 | -40% | $-31 |
| Gore | Travelers | $27 | -40% | $-28 |
| Goshen | Travelers | $29 | -36% | $-24 |
| Great Falls | Farm Bureau | $35 | -39% | $-33 |
| Greenbackville | Travelers | $27 | -43% | $-30 |
| Green Bay | Travelers | $28 | -44% | $-33 |
| Greenbush | Farm Bureau | $30 | -39% | $-28 |
| Greenville | Travelers | $27 | -39% | $-27 |
| Greenway | Farm Bureau | $33 | -42% | $-35 |
| Greenwood | Travelers | $27 | -44% | $-32 |
| Gretna | Travelers | $27 | -44% | $-33 |
| Grimstead | Farm Bureau | $28 | -43% | $-30 |
| Grottoes | Farm Bureau | $27 | -41% | $-27 |
| Groveton | Farm Bureau | $36 | -42% | $-37 |
| Grundy | Travelers | $29 | -43% | $-33 |
| Gum Spring | Travelers | $30 | -41% | $-32 |
| Gwynn | Farm Bureau | $28 | -42% | $-30 |
| Hacksneck | Farm Bureau | $31 | -38% | $-27 |
| Hadensville | Travelers | $28 | -45% | $-35 |
| Hague | Travelers | $30 | -37% | $-27 |
| Halifax | Travelers | $28 | -42% | $-31 |
| Hallieford | Farm Bureau | $28 | -43% | $-31 |
| Hamilton | Travelers | $31 | -39% | $-30 |
| Hampden Sydney | Travelers | $27 | -45% | $-34 |
| Hanover | Farm Bureau | $32 | -39% | $-30 |
| Harborton | Farm Bureau | $30 | -38% | $-28 |
| Hardy | Farm Bureau | $31 | -37% | $-27 |
| Hardyville | Farm Bureau | $29 | -40% | $-29 |
| Hartfield | Farm Bureau | $29 | -40% | $-29 |
| Haymarket | Farm Bureau | $29 | -45% | $-36 |
| Haynesville | Travelers | $30 | -37% | $-27 |
| Haysi | Farm Bureau | $29 | -44% | $-34 |
| Haywood | Farm Bureau | $31 | -41% | $-32 |
| Head Waters | Farm Bureau | $27 | -42% | $-28 |
| Heathsville | Farm Bureau | $29 | -40% | $-28 |
| Henrico | Farm Bureau | $32 | -42% | $-34 |
| Henry | Farm Bureau | $31 | -38% | $-28 |
| Highland Springs | Farm Bureau | $31 | -44% | $-36 |
| Hillsville | Travelers | $27 | -42% | $-30 |
| Hiltons | Travelers | $29 | -40% | $-29 |
| Hinton | Farm Bureau | $23 | -47% | $-31 |
| Hiwassee | Travelers | $26 | -41% | $-28 |
| Hollins | Travelers | $27 | -40% | $-27 |
| Honaker | Travelers | $27 | -45% | $-33 |
| Hood | Farm Bureau | $31 | -39% | $-30 |
| Horntown | Travelers | $28 | -40% | $-29 |
| Horsepen | Travelers | $29 | -41% | $-31 |
| Hot Springs | Farm Bureau | $27 | -41% | $-28 |
| Howardsville | Travelers | $30 | -41% | $-31 |
| Huddleston | Farm Bureau | $30 | -40% | $-29 |
| Hudgins | Farm Bureau | $28 | -43% | $-30 |
| Hume | Farm Bureau | $30 | -42% | $-32 |
| Huntington | Farm Bureau | $36 | -41% | $-36 |
| Huntly | Travelers | $29 | -42% | $-32 |
| Hurley | Farm Bureau | $31 | -42% | $-33 |
| Hurt | Travelers | $27 | -44% | $-32 |
| Hustle | Travelers | $30 | -39% | $-28 |
| Idylwood | Farm Bureau | $33 | -43% | $-35 |
| Independence | Travelers | $26 | -44% | $-31 |
| Indian Valley | Travelers | $29 | -39% | $-28 |
| Iron Gate | Travelers | $26 | -42% | $-28 |
| Irvington | Farm Bureau | $27 | -42% | $-29 |
| Isle Of Wight | Farm Bureau | $31 | -40% | $-30 |
| Ivanhoe | Travelers | $26 | -43% | $-30 |
| Ivor | Travelers | $32 | -36% | $-27 |
| Ivy | Travelers | $27 | -44% | $-32 |
| Jamaica | Farm Bureau | $29 | -40% | $-28 |
| James Store | Travelers | $29 | -41% | $-30 |
| Jamesville | Farm Bureau | $27 | -44% | $-32 |
| Jarratt | Travelers | $29 | -42% | $-31 |
| Java | Travelers | $28 | -43% | $-33 |
| Jeffersonton | Farm Bureau | $30 | -44% | $-34 |
| Jenkins Bridge | Travelers | $33 | -32% | $-24 |
| Jersey | Farm Bureau | $27 | -46% | $-34 |
| Jetersville | Travelers | $30 | -43% | $-34 |
| Jewell Ridge | Travelers | $27 | -45% | $-34 |
| Jonesville | Farm Bureau | $29 | -43% | $-32 |
| Keeling | Travelers | $31 | -37% | $-27 |
| Keene | Travelers | $29 | -40% | $-30 |
| Keen Mountain | Travelers | $29 | -43% | $-33 |
| Keezletown | Farm Bureau | $27 | -38% | $-25 |
| Keller | Farm Bureau | $30 | -39% | $-28 |
| Kenbridge | Travelers | $28 | -45% | $-34 |
| Kents Store | Travelers | $30 | -40% | $-30 |
| Keokee | Farm Bureau | $30 | -41% | $-30 |
| Keysville | Travelers | $27 | -45% | $-34 |
| Kilmarnock | Travelers | $27 | -41% | $-28 |
| King And Queen Court House | Farm Bureau | $32 | -36% | $-27 |
| King George | Farm Bureau | $32 | -38% | $-29 |
| Kings Park West | Farm Bureau | $35 | -41% | $-35 |
| Kingstowne | Farm Bureau | $35 | -41% | $-36 |
| King William | Travelers | $32 | -35% | $-26 |
| Kinsale | Travelers | $28 | -40% | $-29 |
| Lacey Spring | Farm Bureau | $27 | -39% | $-26 |
| Lackey | Farm Bureau | $30 | -39% | $-29 |
| La Crosse | Travelers | $26 | -45% | $-32 |
| Ladysmith | Travelers | $28 | -42% | $-32 |
| Lake Holiday | Travelers | $27 | -40% | $-28 |
| Lake Land'Or | Travelers | $31 | -38% | $-28 |
| Lake Monticello | Travelers | $30 | -40% | $-29 |
| Lake of the Woods | Farm Bureau | $30 | -44% | $-34 |
| Lambsburg | Travelers | $27 | -42% | $-30 |
| Lancaster | Farm Bureau | $28 | -41% | $-29 |
| Laneview | Travelers | $28 | -41% | $-29 |
| Lanexa | Farm Bureau | $29 | -42% | $-30 |
| Laurel | Farm Bureau | $32 | -42% | $-34 |
| Laurel Fork | Farm Bureau | $29 | -41% | $-29 |
| Lawrenceville | Travelers | $28 | -42% | $-31 |
| Lebanon | Travelers | $28 | -41% | $-30 |
| Lebanon Church | Travelers | $26 | -41% | $-28 |
| Leon | Farm Bureau | $31 | -41% | $-31 |
| Lexington | Travelers | $28 | -37% | $-25 |
| Lightfoot | Farm Bureau | $30 | -40% | $-29 |
| Lignum | Farm Bureau | $30 | -44% | $-34 |
| Lincoln | Travelers | $31 | -40% | $-31 |
| Lincolnia | Farm Bureau | $35 | -43% | $-39 |
| Linville | Travelers | $26 | -41% | $-27 |
| Little Plymouth | Travelers | $29 | -41% | $-30 |
| Lively | Farm Bureau | $28 | -42% | $-29 |
| Locust Dale | Farm Bureau | $31 | -40% | $-30 |
| Locust Hill | Travelers | $28 | -41% | $-29 |
| Locustville | Farm Bureau | $30 | -39% | $-28 |
| Long Island | Travelers | $27 | -44% | $-33 |
| Loretto | Travelers | $30 | -39% | $-29 |
| Lorton | Farm Bureau | $34 | -43% | $-38 |
| Lottsburg | Travelers | $28 | -41% | $-29 |
| Louisa | Farm Bureau | $32 | -38% | $-29 |
| Lovettsville | Travelers | $31 | -39% | $-31 |
| Lovingston | Travelers | $28 | -41% | $-30 |
| Lowes Island | Farm Bureau | $34 | -38% | $-30 |
| Low Moor | Travelers | $26 | -41% | $-28 |
| Lowry | Travelers | $28 | -43% | $-32 |
| Lunenburg | Travelers | $27 | -45% | $-34 |
| Luray | Travelers | $26 | -41% | $-27 |
| Lynch Station | Travelers | $28 | -42% | $-30 |
| Lyndhurst | Travelers | $27 | -40% | $-27 |
| Machipongo | Travelers | $29 | -37% | $-27 |
| Madison | Farm Bureau | $31 | -40% | $-30 |
| Madison Heights | Travelers | $27 | -42% | $-30 |
| Maidens | Travelers | $31 | -42% | $-34 |
| Manakin Sabot | Travelers | $34 | -35% | $-28 |
| Manassas Park | Farm Bureau | $32 | -44% | $-36 |
| Mannboro | Farm Bureau | $34 | -38% | $-30 |
| Manquin | Farm Bureau | $35 | -32% | $-24 |
| Marion | Travelers | $27 | -39% | $-26 |
| Marionville | Travelers | $29 | -39% | $-28 |
| Markham | Farm Bureau | $33 | -36% | $-27 |
| Marshall | Farm Bureau | $31 | -40% | $-31 |
| Marumsco | Farm Bureau | $32 | -46% | $-40 |
| Maryus | Farm Bureau | $30 | -41% | $-30 |
| Mascot | Travelers | $29 | -41% | $-30 |
| Massanutten | Travelers | $26 | -39% | $-25 |
| Mathews | Travelers | $28 | -41% | $-30 |
| Mattaponi | Travelers | $29 | -40% | $-29 |
| Maurertown | Farm Bureau | $27 | -41% | $-27 |
| Mavisdale | Travelers | $29 | -42% | $-32 |
| Maxie | Farm Bureau | $30 | -43% | $-34 |
| Max Meadows | Travelers | $28 | -40% | $-28 |
| Mc Clure | Farm Bureau | $28 | -45% | $-34 |
| Mc Coy | Farm Bureau | $31 | -34% | $-23 |
| Mc Dowell | Farm Bureau | $27 | -42% | $-29 |
| Mc Kenney | Travelers | $30 | -42% | $-32 |
| McNair | Farm Bureau | $34 | -40% | $-33 |
| Meadowbrook | Farm Bureau | $31 | -46% | $-39 |
| Meadows Of Dan | Travelers | $28 | -40% | $-29 |
| Meadowview | Travelers | $27 | -41% | $-28 |
| Mears | Farm Bureau | $29 | -41% | $-29 |
| Meherrin | Travelers | $28 | -44% | $-33 |
| Melfa | Farm Bureau | $31 | -38% | $-28 |
| Mendota | Travelers | $26 | -43% | $-29 |
| Meredithville | Travelers | $30 | -38% | $-28 |
| Merrifield | Farm Bureau | $35 | -40% | $-34 |
| Merry Point | Farm Bureau | $28 | -42% | $-30 |
| Middlebrook | Travelers | $28 | -38% | $-26 |
| Middleburg | Farm Bureau | $33 | -39% | $-31 |
| Middletown | Travelers | $27 | -40% | $-28 |
| Midland | Farm Bureau | $29 | -45% | $-35 |
| Midlothian | Farm Bureau | $31 | -43% | $-34 |
| Milford | Farm Bureau | $31 | -40% | $-30 |
| Millboro | Travelers | $28 | -38% | $-26 |
| Millers Tavern | Farm Bureau | $30 | -39% | $-28 |
| Millwood | Travelers | $27 | -42% | $-29 |
| Mineral | Farm Bureau | $32 | -39% | $-30 |
| Mint Spring | Travelers | $26 | -41% | $-27 |
| Mitchells | Travelers | $31 | -40% | $-30 |
| Modest Town | Farm Bureau | $31 | -38% | $-27 |
| Mollusk | Farm Bureau | $28 | -42% | $-30 |
| Moneta | Farm Bureau | $32 | -37% | $-28 |
| Monroe | Farm Bureau | $28 | -43% | $-31 |
| Montclair | Farm Bureau | $31 | -46% | $-39 |
| Montebello | Travelers | $28 | -41% | $-29 |
| Monterey | Farm Bureau | $30 | -36% | $-25 |
| Montpelier | Farm Bureau | $33 | -37% | $-28 |
| Montpelier Station | Travelers | $29 | -42% | $-31 |
| Montross | Farm Bureau | $31 | -38% | $-28 |
| Montvale | Travelers | $28 | -42% | $-31 |
| Moon | Travelers | $28 | -40% | $-29 |
| Morattico | Farm Bureau | $28 | -42% | $-29 |
| Moseley | Farm Bureau | $30 | -46% | $-37 |
| Mount Crawford | Farm Bureau | $25 | -44% | $-29 |
| Mount Holly | Travelers | $28 | -43% | $-31 |
| Mount Jackson | Farm Bureau | $26 | -40% | $-26 |
| Mount Sidney | Farm Bureau | $24 | -46% | $-30 |
| Mount Solon | Farm Bureau | $25 | -44% | $-29 |
| Mouth Of Wilson | Travelers | $28 | -40% | $-29 |
| Mustoe | Farm Bureau | $30 | -35% | $-24 |
| Narrows | Travelers | $27 | -41% | $-29 |
| Naruna | Travelers | $28 | -41% | $-30 |
| Nassawadox | Farm Bureau | $31 | -37% | $-27 |
| Nathalie | Travelers | $28 | -44% | $-33 |
| Natural Bridge | Farm Bureau | $27 | -41% | $-28 |
| Natural Bridge Station | Travelers | $28 | -39% | $-26 |
| Naval Weapons Station | Farm Bureau | $29 | -43% | $-32 |
| Nellysford | Travelers | $29 | -40% | $-29 |
| Nelson | Travelers | $28 | -43% | $-32 |
| Nelsonia | Farm Bureau | $31 | -37% | $-27 |
| Newbern | Travelers | $27 | -41% | $-29 |
| New Canton | Travelers | $29 | -44% | $-35 |
| New Castle | Travelers | $28 | -38% | $-26 |
| New Church | Travelers | $28 | -41% | $-29 |
| New Hope | Farm Bureau | $25 | -44% | $-29 |
| New Kent | Farm Bureau | $29 | -43% | $-33 |
| New Market | Travelers | $26 | -39% | $-25 |
| New Point | Travelers | $29 | -40% | $-29 |
| Newport | Travelers | $25 | -46% | $-33 |
| New River | Travelers | $25 | -45% | $-32 |
| Newsoms | Travelers | $29 | -40% | $-30 |
| Newtown | Farm Bureau | $33 | -35% | $-26 |
| Nickelsville | Farm Bureau | $28 | -44% | $-32 |
| Ninde | Farm Bureau | $28 | -44% | $-32 |
| Nokesville | Farm Bureau | $29 | -46% | $-36 |
| Nora | Farm Bureau | $28 | -45% | $-33 |
| Norge | Farm Bureau | $29 | -41% | $-30 |
| North Garden | Travelers | $28 | -41% | $-30 |
| North Springfield | Farm Bureau | $35 | -43% | $-39 |
| North Tazewell | Travelers | $27 | -44% | $-32 |
| Norton | Travelers | $26 | -46% | $-33 |
| Norwood | Travelers | $29 | -41% | $-31 |
| Nottoway | Travelers | $28 | -46% | $-36 |
| Nuttsville | Farm Bureau | $28 | -42% | $-29 |
| Oak Hall | Travelers | $30 | -36% | $-26 |
| Oakpark | Farm Bureau | $31 | -40% | $-31 |
| Oakwood | Farm Bureau | $30 | -43% | $-33 |
| Oilville | Travelers | $34 | -37% | $-30 |
| Oldhams | Travelers | $28 | -40% | $-28 |
| Onancock | Farm Bureau | $30 | -38% | $-28 |
| Onemo | Travelers | $29 | -40% | $-29 |
| Onley | Farm Bureau | $30 | -38% | $-27 |
| Ophelia | Travelers | $28 | -40% | $-28 |
| Orange | Travelers | $30 | -41% | $-32 |
| Ordinary | Travelers | $29 | -41% | $-30 |
| Oriskany | Travelers | $28 | -39% | $-27 |
| Orkney Springs | Travelers | $26 | -39% | $-25 |
| Orlean | Farm Bureau | $29 | -44% | $-34 |
| Oyster | Farm Bureau | $31 | -37% | $-27 |
| Paeonian Springs | Travelers | $30 | -41% | $-31 |
| Paint Bank | Travelers | $27 | -39% | $-26 |
| Painter | Farm Bureau | $30 | -38% | $-27 |
| Pamplin | Travelers | $27 | -42% | $-31 |
| Paris | Farm Bureau | $30 | -40% | $-29 |
| Parksley | Farm Bureau | $28 | -43% | $-30 |
| Parrott | Travelers | $25 | -45% | $-32 |
| Partlow | Travelers | $31 | -38% | $-28 |
| Patrick Springs | Farm Bureau | $29 | -41% | $-29 |
| Pearisburg | Travelers | $26 | -43% | $-30 |
| Pembroke | Travelers | $25 | -45% | $-32 |
| Penhook | Farm Bureau | $32 | -38% | $-29 |
| Pennington Gap | Farm Bureau | $30 | -41% | $-30 |
| Penn Laird | Farm Bureau | $27 | -39% | $-25 |
| Phenix | Travelers | $28 | -44% | $-33 |
| Philomont | Travelers | $31 | -41% | $-32 |
| Pilgrims Knob | Farm Bureau | $30 | -43% | $-33 |
| Pilot | Travelers | $26 | -40% | $-27 |
| Piney River | Travelers | $28 | -42% | $-31 |
| Pittsville | Travelers | $29 | -40% | $-30 |
| Pleasant Valley | Travelers | $26 | -40% | $-26 |
| Pocahontas | Farm Bureau | $30 | -41% | $-31 |
| Port Haywood | Travelers | $29 | -40% | $-30 |
| Port Republic | Farm Bureau | $27 | -40% | $-26 |
| Port Royal | Farm Bureau | $30 | -40% | $-29 |
| Pound | Travelers | $27 | -45% | $-33 |
| Pounding Mill | Travelers | $27 | -44% | $-32 |
| Powhatan | Travelers | $34 | -38% | $-32 |
| Pratts | Farm Bureau | $31 | -40% | $-30 |
| Prince George | Farm Bureau | $32 | -41% | $-33 |
| Prospect | Travelers | $27 | -44% | $-32 |
| Providence Forge | Farm Bureau | $29 | -44% | $-33 |
| Pulaski | Travelers | $27 | -39% | $-26 |
| Pungoteague | Farm Bureau | $30 | -39% | $-28 |
| Purcellville | Farm Bureau | $31 | -41% | $-32 |
| Quantico Base | Farm Bureau | $31 | -45% | $-37 |
| Quicksburg | Travelers | $26 | -39% | $-25 |
| Quinby | Farm Bureau | $30 | -38% | $-28 |
| Quinque | Travelers | $28 | -43% | $-32 |
| Quinton | Farm Bureau | $29 | -43% | $-33 |
| Radiant | Farm Bureau | $31 | -40% | $-31 |
| Randolph | Travelers | $28 | -43% | $-32 |
| Raphine | Travelers | $26 | -41% | $-27 |
| Rapidan | Travelers | $31 | -40% | $-31 |
| Rappahannock Academy | Farm Bureau | $30 | -40% | $-30 |
| Raven | Travelers | $28 | -43% | $-32 |
| Rawlings | Travelers | $29 | -41% | $-31 |
| Rectortown | Farm Bureau | $29 | -43% | $-33 |
| Red Ash | Travelers | $28 | -43% | $-32 |
| Red House | Travelers | $28 | -44% | $-33 |
| Red Oak | Travelers | $28 | -43% | $-31 |
| Redwood | Travelers | $27 | -44% | $-33 |
| Reedville | Travelers | $28 | -39% | $-27 |
| Remington | Farm Bureau | $30 | -43% | $-33 |
| Rescue | Farm Bureau | $31 | -39% | $-30 |
| Reva | Travelers | $31 | -38% | $-29 |
| Rhoadesville | Farm Bureau | $30 | -43% | $-33 |
| Rice | Travelers | $28 | -45% | $-34 |
| Richardsville | Farm Bureau | $30 | -44% | $-35 |
| Rich Creek | Travelers | $27 | -41% | $-29 |
| Richlands | Travelers | $29 | -41% | $-31 |
| Ridgeway | Farm Bureau | $29 | -40% | $-29 |
| Rileyville | Travelers | $27 | -41% | $-28 |
| Riner | Travelers | $26 | -41% | $-27 |
| Ringgold | Travelers | $31 | -36% | $-27 |
| Ripplemead | Travelers | $27 | -42% | $-29 |
| Rivanna | Travelers | $28 | -41% | $-30 |
| Rixeyville | Travelers | $31 | -39% | $-30 |
| Rochelle | Farm Bureau | $31 | -41% | $-31 |
| Rockbridge Baths | Travelers | $28 | -37% | $-25 |
| Rockville | Farm Bureau | $33 | -37% | $-28 |
| Rocky Gap | Farm Bureau | $31 | -39% | $-29 |
| Rocky Mount | Travelers | $31 | -38% | $-29 |
| Rollins Fork | Farm Bureau | $30 | -42% | $-31 |
| Rosedale | Farm Bureau | $28 | -44% | $-32 |
| Rose Hill | Travelers | $33 | -39% | $-32 |
| Roseland | Travelers | $27 | -43% | $-32 |
| Round Hill | Farm Bureau | $31 | -40% | $-31 |
| Rowe | Travelers | $27 | -46% | $-35 |
| Ruby | Farm Bureau | $32 | -40% | $-31 |
| Ruckersville | Travelers | $30 | -39% | $-29 |
| Rural Retreat | Farm Bureau | $27 | -40% | $-27 |
| Rustburg | Travelers | $27 | -43% | $-31 |
| Ruthville | Farm Bureau | $31 | -40% | $-30 |
| Saltville | Farm Bureau | $28 | -41% | $-28 |
| Saluda | Farm Bureau | $28 | -42% | $-31 |
| Sandston | Farm Bureau | $32 | -40% | $-32 |
| Sandy Hook | Travelers | $30 | -42% | $-33 |
| Sandy Level | Travelers | $30 | -40% | $-30 |
| Sandy Point | Travelers | $28 | -41% | $-29 |
| Sanford | Travelers | $28 | -40% | $-29 |
| Saxe | Travelers | $27 | -44% | $-32 |
| Saxis | Travelers | $27 | -43% | $-31 |
| Schley | Travelers | $30 | -38% | $-28 |
| Schuyler | Travelers | $29 | -40% | $-30 |
| Scottsburg | Travelers | $28 | -42% | $-32 |
| Scottsville | Travelers | $30 | -41% | $-31 |
| Seaford | Farm Bureau | $30 | -40% | $-30 |
| Sealston | Travelers | $31 | -38% | $-29 |
| Seaview | Travelers | $27 | -42% | $-30 |
| Sedley | Travelers | $30 | -39% | $-29 |
| Selma | Travelers | $26 | -42% | $-28 |
| Seven Corners | Farm Bureau | $36 | -40% | $-34 |
| Severn | Travelers | $30 | -38% | $-28 |
| Shacklefords | Travelers | $29 | -40% | $-29 |
| Sharps | Travelers | $28 | -40% | $-29 |
| Shawsville | Travelers | $25 | -43% | $-29 |
| Shenandoah | Travelers | $26 | -39% | $-26 |
| Shipman | Travelers | $29 | -41% | $-30 |
| Short Pump | Farm Bureau | $33 | -40% | $-31 |
| Shortt Gap | Travelers | $27 | -45% | $-34 |
| Singers Glen | Travelers | $26 | -41% | $-27 |
| Skippers | Travelers | $29 | -40% | $-30 |
| Skipwith | Travelers | $28 | -42% | $-31 |
| Skyland Estates | Travelers | $31 | -35% | $-25 |
| Smithfield | Farm Bureau | $31 | -40% | $-30 |
| Somerset | Travelers | $29 | -42% | $-32 |
| Somerville | Farm Bureau | $30 | -44% | $-34 |
| South Boston | Travelers | $28 | -42% | $-30 |
| South Hill | Travelers | $27 | -42% | $-29 |
| South Riding | Farm Bureau | $31 | -44% | $-36 |
| Sparta | Farm Bureau | $32 | -38% | $-29 |
| Speedwell | Travelers | $27 | -41% | $-28 |
| Spencer | Farm Bureau | $29 | -40% | $-28 |
| Sperryville | Travelers | $28 | -44% | $-34 |
| Spotsylvania | Farm Bureau | $29 | -44% | $-33 |
| Spottswood | Travelers | $28 | -37% | $-25 |
| Spout Spring | Farm Bureau | $28 | -43% | $-31 |
| Spring Grove | Farm Bureau | $33 | -37% | $-28 |
| Stafford | Farm Bureau | $31 | -42% | $-33 |
| Staffordsville | Travelers | $28 | -39% | $-27 |
| Stanardsville | Travelers | $30 | -39% | $-29 |
| Stanley | Travelers | $27 | -40% | $-27 |
| Stanleytown | Farm Bureau | $29 | -41% | $-29 |
| Star Tannery | Travelers | $26 | -42% | $-28 |
| State Farm | Travelers | $32 | -40% | $-32 |
| St. Charles | Farm Bureau | $30 | -40% | $-29 |
| Stephens City | Travelers | $26 | -41% | $-28 |
| Stephenson | Farm Bureau | $29 | -39% | $-27 |
| Sterling | Farm Bureau | $34 | -40% | $-32 |
| Stevensburg | Farm Bureau | $30 | -43% | $-33 |
| Stevensville | Travelers | $31 | -37% | $-27 |
| Stone Ridge | Farm Bureau | $32 | -43% | $-36 |
| Stony Creek | Farm Bureau | $31 | -40% | $-30 |
| St. Paul | Farm Bureau | $28 | -44% | $-32 |
| Strasburg | Farm Bureau | $26 | -42% | $-28 |
| Stratford | Farm Bureau | $31 | -40% | $-30 |
| St. Stephens Church | Travelers | $30 | -39% | $-29 |
| Stuart | Travelers | $27 | -43% | $-30 |
| Stuarts Draft | Travelers | $26 | -40% | $-27 |
| Studley | Travelers | $31 | -40% | $-31 |
| Sudley | Farm Bureau | $31 | -44% | $-35 |
| Sugar Grove | Farm Bureau | $29 | -39% | $-27 |
| Sumerduck | Farm Bureau | $32 | -39% | $-30 |
| Surry | Farm Bureau | $30 | -41% | $-31 |
| Susan | Travelers | $29 | -41% | $-30 |
| Sussex | Travelers | $30 | -41% | $-31 |
| Sutherland | Farm Bureau | $31 | -41% | $-32 |
| Sutherlin | Travelers | $32 | -36% | $-26 |
| Sweet Briar | Travelers | $28 | -42% | $-31 |
| Swoope | Travelers | $26 | -41% | $-28 |
| Swords Creek | Travelers | $26 | -46% | $-34 |
| Syria | Travelers | $29 | -39% | $-29 |
| Tangier | Farm Bureau | $30 | -39% | $-28 |
| Tannersville | Travelers | $28 | -43% | $-32 |
| Tappahannock | Farm Bureau | $27 | -45% | $-33 |
| Tasley | Farm Bureau | $30 | -39% | $-28 |
| Tazewell | Travelers | $27 | -43% | $-31 |
| Temperanceville | Farm Bureau | $29 | -40% | $-29 |
| Thaxton | Travelers | $28 | -41% | $-30 |
| The Plains | Farm Bureau | $31 | -43% | $-33 |
| Thornburg | Farm Bureau | $29 | -44% | $-33 |
| Thynedale | Travelers | $27 | -44% | $-33 |
| Timberville | Travelers | $25 | -40% | $-26 |
| Toano | Travelers | $29 | -40% | $-29 |
| Toms Brook | Farm Bureau | $24 | -47% | $-31 |
| Topping | Travelers | $28 | -41% | $-29 |
| Townsend | Travelers | $28 | -41% | $-30 |
| Trevilians | Travelers | $28 | -45% | $-34 |
| Triangle | Farm Bureau | $31 | -45% | $-37 |
| Troutdale | Travelers | $28 | -40% | $-28 |
| Troutville | Travelers | $27 | -40% | $-28 |
| Troy | Travelers | $30 | -40% | $-30 |
| Tyro | Travelers | $27 | -44% | $-32 |
| Tysons Corner | Farm Bureau | $34 | -40% | $-34 |
| Union Hall | Farm Bureau | $32 | -38% | $-29 |
| Unionville | Farm Bureau | $30 | -44% | $-34 |
| University of Virginia | Travelers | $29 | -39% | $-28 |
| Upperville | Farm Bureau | $33 | -37% | $-28 |
| Urbanna | Farm Bureau | $29 | -40% | $-29 |
| Valentines | Travelers | $27 | -44% | $-32 |
| Vansant | Travelers | $29 | -44% | $-34 |
| Vernon Hill | Travelers | $28 | -43% | $-33 |
| Verona | Farm Bureau | $24 | -46% | $-30 |
| Vesta | Farm Bureau | $32 | -35% | $-26 |
| Vesuvius | Travelers | $28 | -39% | $-27 |
| Victoria | Travelers | $28 | -43% | $-33 |
| Viewtown | Farm Bureau | $30 | -42% | $-32 |
| Village | Farm Bureau | $30 | -39% | $-28 |
| Villamont | Travelers | $27 | -42% | $-30 |
| Vinton | Farm Bureau | $28 | -40% | $-27 |
| Virgilina | Travelers | $28 | -42% | $-31 |
| Wachapreague | Farm Bureau | $29 | -40% | $-29 |
| Wake | Farm Bureau | $29 | -40% | $-29 |
| Wakefield | Travelers | $30 | -38% | $-29 |
| Walkerton | Farm Bureau | $32 | -37% | $-28 |
| Wardtown | Farm Bureau | $31 | -38% | $-27 |
| Ware Neck | Travelers | $32 | -35% | $-26 |
| Warfield | Travelers | $29 | -41% | $-31 |
| Warm Springs | Travelers | $30 | -34% | $-24 |
| Warrenton | Farm Bureau | $29 | -45% | $-35 |
| Warsaw | Travelers | $29 | -38% | $-27 |
| Washington | Farm Bureau | $31 | -40% | $-31 |
| Waterford | Farm Bureau | $32 | -40% | $-31 |
| Water View | Farm Bureau | $29 | -40% | $-28 |
| Wattsville | Farm Bureau | $29 | -40% | $-29 |
| Waverly | Farm Bureau | $32 | -39% | $-30 |
| Weber City | Travelers | $28 | -41% | $-30 |
| Weems | Farm Bureau | $28 | -41% | $-29 |
| West Augusta | Travelers | $28 | -38% | $-26 |
| West Falls Church | Farm Bureau | $35 | -41% | $-36 |
| West Mclean | Farm Bureau | $34 | -41% | $-35 |
| West Point | Travelers | $29 | -40% | $-29 |
| West Springfield | Farm Bureau | $35 | -41% | $-36 |
| Weyers Cave | Farm Bureau | $24 | -46% | $-30 |
| White Marsh | Travelers | $29 | -41% | $-30 |
| White Plains | Travelers | $27 | -44% | $-32 |
| White Post | Travelers | $27 | -40% | $-28 |
| White Stone | Travelers | $27 | -41% | $-29 |
| Whitetop | Travelers | $27 | -42% | $-31 |
| Whitewood | Farm Bureau | $30 | -42% | $-33 |
| Wicomico | Travelers | $31 | -37% | $-27 |
| Wicomico Church | Travelers | $28 | -41% | $-29 |
| Williamsburg | Travelers | $28 | -41% | $-30 |
| Willis | Farm Bureau | $30 | -39% | $-28 |
| Willis Wharf | Farm Bureau | $30 | -38% | $-27 |
| Wilsons | Farm Bureau | $31 | -40% | $-31 |
| Windsor | Farm Bureau | $32 | -39% | $-30 |
| Wingina | Travelers | $29 | -43% | $-33 |
| Wirtz | Farm Bureau | $29 | -44% | $-33 |
| Wise | Travelers | $27 | -44% | $-32 |
| Withams | Travelers | $28 | -41% | $-29 |
| Wolford | Farm Bureau | $30 | -44% | $-35 |
| Wolftown | Farm Bureau | $31 | -40% | $-30 |
| Wolf Trap | Farm Bureau | $33 | -42% | $-35 |
| Woodberry Forest | Travelers | $29 | -42% | $-32 |
| Woodford | Travelers | $31 | -38% | $-28 |
| Woodlawn | Farm Bureau | $31 | -42% | $-34 |
| Woods Cross Roads | Travelers | $28 | -41% | $-30 |
| Woodstock | Farm Bureau | $24 | -44% | $-28 |
| Woodville | Farm Bureau | $33 | -37% | $-29 |
| Woolwine | Farm Bureau | $29 | -41% | $-29 |
| Woolwine | Travelers | $28 | -41% | $-29 |
| Wylliesburg | Travelers | $28 | -43% | $-32 |
| Wyndham | Farm Bureau | $32 | -41% | $-32 |
| Wytheville | Travelers | $28 | -38% | $-25 |
| Yale | Travelers | $29 | -42% | $-32 |
| Yorktown | Farm Bureau | $30 | -42% | $-32 |
| Zacata | Farm Bureau | $31 | -39% | $-29 |
| Zuni | Travelers | $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:
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 | $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:
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% | $-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:
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 | $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:
Select
Age Group:Adult Drivers
Select
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:
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
| 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:
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
| 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:
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
| 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
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
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
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
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
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
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
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:
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.
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.
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.
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.
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?
Travelers provides the most affordable car insurance in Virginia, with average annual rates of $360 for minimum coverage and $733 for full coverage. Farm Bureau, Auto Owners, GEICO and Mercury Insurance also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Virginia?
Farm Bureau provides the most budget-friendly rates for young drivers in Virginia, with monthly premiums starting at $67.
Who offers the cheapest car insurance rates for seniors in Virginia?
Senior drivers in Virginia can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $42 per month.
Who has the cheapest car insurance in Virginia for bad credit?
Penn National provides the lowest rates for bad-credit drivers in Virginia, with monthly premiums averaging $80 for minimum coverage and $183 for full coverage.
Who has the cheapest car insurance in Virginia with an accident?
Farm Bureau offers the most affordable car insurance rates for Virginia drivers with an accident, starting at $43 per month for minimum coverage.
Who has the cheapest car insurance in Virginia with a DUI?
Farm Bureau provides the cheapest car insurance after a DUI in Virginia, with rates at $38 monthly ($452 annually) for minimum coverage and $77 monthly ($922 annually) for full coverage.
Who has the cheapest car insurance in Virginia for those with a speeding ticket?
If you've gotten a speeding ticket in Virginia, Travelers offers the lowest rates at $38 monthly for minimum coverage and $84 for full coverage.
Should you buy the cheapest car insurance in Virginia?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Travelers balances low prices with solid coverage options 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, 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.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed September 18, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed September 18, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed September 18, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed September 18, 2025.