Cheapest Car Insurance in Virginia

Virginia Farm Bureau is the go-to for affordable car insurance in Virginia, with an average monthly rate of $26 and an annual cost of $310 for minimum coverage. These rates are $241 lower than the state's average. Data from Quadrant Information Services shows these are the cheapest rates for Virginians as of December 2024. Read our research methodology to learn about how we found the cheapest Virginia car insurance.

Virginia Farm Bureau is the cheapest car insurance company for many drivers, with an average monthly cost of $44 for both minimum and full coverage. This is $26 cheaper than the state average. Other affordable options include Travelers, American Family, Cincinnati Insurance and Auto-Owners.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Virginia Farm Bureau offers the most affordable car insurance for both minimum and full coverage for many drivers in Virginia. However, your cheapest rate depends on your personal background. Below, we highlight affordable car insurance rates for various driver profiles.

Read More: Cheapest Car Insurance

Virginia Farm Bureau, American Family, Mercury and Travelers, offers cheap minimum liability coverage for drivers in Virginia. Use the table below to explore rates for similar companies with the best minimum coverage rates and see how they compare to the monthly state average.

Virginia Farm Bureau is the cheapest provider for full coverage auto insurance in Virginia, with rates averaging $62 per month or $743 per year. This cost is $32 less than the state average. Check the table below for more provider options.

In Virginia, young adult drivers find the best rates with Virginia Farm Bureau. A 25-year-old can get a state minimum policy for just $26 per month on average.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

Virginia Farm Bureau stands out as the go-to for affordable auto insurance for young drivers in Virginia. Rates vary, but its minimum coverage starts at just $26 per month on average. While your premium depends on factors like your driving record, these rates are a helpful starting point for finding the cheapest insurance options as a young driver.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Virginia can find affordable rates with Mercury. Its average policy is $26 per month for minimum coverage.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

Mercury offers the cheapest rates for minimum coverage and drivers with bad credit or a DUI. Virginia Farm Bureau is affordable for full coverage. Auto-Owners and Cincinnati Insurance are best for accidents and speeding tickets, respectively. Rates may vary, but the table below can guide your insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Virginia drivers with a DUI, at-fault accident or speeding ticket are seen as high-risk by insurers and pay more for car insurance compared to those with clean records. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with these infractions.

Virginia Farm Bureau offers the best rates for Virginia drivers with DUIs, averaging $32 per month ($384 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs.

*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

Auto-Owners offers the cheapest rates for drivers with an accident on their record, averaging $36 per month ($430 per year). the table below shows other insurers with affordable coverage options for accident-prone drivers. Rates are based on minimum coverage policies.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Mercury offers the cheapest car insurance for drivers with a speeding ticket, averaging $37 per month. Check the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Mercury has the cheapest car insurance for drivers with poor credit, offering an average monthly rate of $37 and an annual rate of $445 for minimum coverage. Review the table below for more options from other providers.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Your car insurance rates can change based on where you live. Even in the same state, rates may vary from city to city due to factors like how many people live there, flood risks and crime.

For example, Virginia Farm Bureau offers the same minimum coverage in Alexandria and Arlington for $31 a month. Meanwhile, American Family charges $26 a month in Chesapeake. Check the table below to find the most affordable insurance in your city and their best rates.

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

In Virginia, Nationwide is a great option for bundling home and auto insurance at just $1,371 per year. Check the table below for more affordable options.

*Rates are for a 40 year old driver with good credit and no driving violations

In Virginia, the monthly average cost for full coverage car insurance is $94, while minimum coverage is $46. By understanding the average cost of car insurance in Virginia, you can better assess if you're getting a fair deal on your auto insurance.

In Virginia, your auto insurance rates can change depending on where you live. See this table for average minimum and full coverage rates across Virginia cities.

Virginia ranks 30th for car insurance costs, making it more affordable than many states. The rates reflect the state's moderate population density, infrequent natural disasters, and average vehicle theft rates. Learn why car insurance is expensive in Virginia.

Virginia law requires all drivers to carry car insurance policies that meet state minimum coverage limits. These limits are $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. Additionally, the same amounts apply for uninsured/underinsured motorist coverage.

If you finance or lease your car, you'll likely need to add comprehensive and collision insurance to the minimum liability coverages. While a state minimum liability auto insurance policy is more affordable, it also provides the least financial protection. For peace of mind on the roads, experts suggest opting for full coverage insurance with the highest deductible and liability limits you can comfortably afford.

Drivers with serious traffic violations, like speeding or drunk driving, might need SR-22 insurance, which can increase your premium. In Virginia, either you or your insurance company can file the SR-22 form. It remains valid for three years from your most recent offense. Make sure to maintain your state minimum coverage during this period.

Virginia offers drivers the option to pay a $500 uninsured motorist fee instead of purchasing traditional car insurance. This fee allows you to legally drive without insurance, but it doesn't provide any coverage for damages or injuries.

For business owners, fleet insurance is an alternative. This option covers multiple vehicles under a single policy, simplifying management and potentially reducing costs. Fleet insurance ensures that your business vehicles meet state requirements while providing necessary coverage.

MoneyGeek recommends that drivers opt for full coverage car insurance for well-rounded protection. This includes liability, collision, and comprehensive coverage. Here are the recommended liability limits:

• $100,000 in bodily injury liability per person
• $100,000 in property damage per accident
• $300,000 in bodily injury liability per accident

Comprehensive coverage pays for non-collision incidents that damage your car, like theft, vandalism, or natural disasters. Collision coverage, on the other hand, takes care of damages from on-road accidents.

If your car holds significant value, MoneyGeek suggests getting both comprehensive and collision insurance, even though it's not legally required. Choose a deductible for these coverages that you're comfortable paying out-of-pocket before insurance covers the remaining costs.

Virginia Farm Bureau has the cheapest car insurance, with full coverage at $62 and minimum coverage at $26. Cheap rates are great, but remember, the cheapest isn't always the best choice for car insurance. Experts say buy as much coverage as you can afford for the safest driving in the Old Dominion.

MoneyGeek helps you find affordable car insurance in Virginia. We answer common questions about the cheapest options, ensuring you get the right coverage for your needs. Our guidance is clear and easy to understand, helping you make informed decisions.

MoneyGeek obtained auto insurance rates from the Virginia Department of Insurance and Quadrant Information Services. We examined 68,805 auto insurance quotes from 15 providers across 87 ZIP codes to determine the most affordable car insurance companies in Virginia.

Virginia Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Virginia:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Virginia

We compared car insurance companies in Virginia that offer both minimum and full coverage policies. The minimum coverage liability limits in Virginia are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $20,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $20,000 uninsured/Underinsured property damage coverage

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

Home and Auto Coverage Levels in Virginia

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

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

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible