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American Family is overall the cheapest car insurance company in Virginia. MoneyGeek's research shows that Auto-Owners, Nationwide and Virginia Farm Bureau also offer the cheapest rates for certain types of drivers.

The best car insurance companies in Virginia provide a balance of quality customer service and affordability.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Virginia (October 2023)

The cheapest car insurance companies for a minimum coverage policy in Virginia are:

  • American Family: $269 per year
  • Virginia Farm Bureau: $337 per year

Kemper offers the most expensive minimum coverage in Virginia, charging an average of $1,184 per year.

In Virginia, a minimum coverage policy only includes coverages like bodily injury liability (BDL), property damage liability (PDL) and uninsured motorist coverage.

Company
Annual Premium
Monthly Premium

Mercury

$267

$22

American Family

$269

$22

American Family

$330

$27

Virginia Farm Bureau

$337

$28

Mercury

$339

$28

Virginia Farm Bureau

$347

$29

Mercury

$368

$31

Erie

$368

$31

Erie

$373

$31

Cincinnati Insurance

$374

$31

American Family

$374

$31

Auto-Owners Insurance Co

$385

$32

Travelers

$392

$33

Cincinnati Insurance

$398

$33

State Farm

$398

$33

Auto-Owners Insurance Co

$402

$34

Virginia Farm Bureau

$422

$35

Travelers

$425

$35

State Farm

$426

$36

Travelers

$450

$37

Auto-Owners Insurance Co

$451

$38

GEICO

$456

$38

Erie

$474

$40

State Farm

$506

$42

GEICO

$516

$43

Nationwide

$524

$44

Nationwide

$541

$45

GEICO

$551

$46

Progressive

$624

$52

Allstate

$634

$53

Progressive

$636

$53

Nationwide

$667

$56

Nationwide

$673

$56

American Family

$674

$56

Allstate

$676

$56

Nationwide

$703

$59

National General

$704

$59

National General

$705

$59

Progressive

$723

$60

Allstate

$731

$61

Virginia Farm Bureau

$740

$62

Cincinnati Insurance

$749

$62

Auto-Owners Insurance Co

$774

$65

American Family

$790

$66

Erie

$793

$66

Auto-Owners Insurance Co

$795

$66

Cincinnati Insurance

$796

$66

Erie

$798

$66

Virginia Farm Bureau

$810

$68

Virginia Farm Bureau

$818

$68

Travelers

$843

$70

Nationwide

$844

$70

Travelers

$845

$70

Cincinnati Insurance

$881

$73

National General

$898

$75

American Family

$916

$76

State Farm

$928

$77

GEICO

$930

$78

Mercury

$948

$79

State Farm

$988

$82

GEICO

$989

$82

Auto-Owners Insurance Co

$1,006

$84

Travelers

$1,006

$84

Mercury

$1,008

$84

Progressive

$1,015

$85

Erie

$1,023

$85

Progressive

$1,036

$86

Allstate

$1,154

$96

GEICO

$1,161

$97

Kemper

$1,184

$99

Kemper

$1,226

$102

Allstate

$1,229

$102

Progressive

$1,240

$103

Allstate

$1,240

$103

State Farm

$1,259

$105

Kemper

$1,336

$111

Mercury

$1,402

$117

National General

$1,606

$134

Cincinnati Insurance

$1,640

$137

National General

$1,702

$142

National General

$2,086

$174

Kemper

$2,184

$182

Kemper

$2,192

$183

Kemper

$2,535

$211

A minimum coverage policy will protect you against the damages you inflict on other drivers or their property; however, it won’t cover damages to your car. You should buy a full coverage policy with comprehensive and collision insurance for full protection.

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Cheapest Full Coverage Car Insurance in Virginia (October 2023)

MoneyGeek found the following companies offer the cheapest full coverage policies in Virginia:

  • American Family: $674 per year
  • Nationwide: $703 per year

Kemper offers the most expensive full coverage car insurance company at $2,184 per year.

Opting for a policy with comprehensive and collision insurance will cause your premiums to increase. For example, American Family’s full coverage policy costs $405 more than its minimum coverage policy.

However, a full coverage policy covers on-road incidents like hitting a tree and off-road incidents like flooding or other weather events.

Company
Annual Premium
Monthly Premium

Mercury

$267

$22

American Family

$269

$22

American Family

$330

$27

Virginia Farm Bureau

$337

$28

Mercury

$339

$28

Virginia Farm Bureau

$347

$29

Mercury

$368

$31

Erie

$368

$31

Erie

$373

$31

Cincinnati Insurance

$374

$31

American Family

$374

$31

Auto-Owners Insurance Co

$385

$32

Travelers

$392

$33

Cincinnati Insurance

$398

$33

State Farm

$398

$33

Auto-Owners Insurance Co

$402

$34

Virginia Farm Bureau

$422

$35

Travelers

$425

$35

State Farm

$426

$36

Travelers

$450

$37

Auto-Owners Insurance Co

$451

$38

GEICO

$456

$38

Erie

$474

$40

State Farm

$506

$42

GEICO

$516

$43

Nationwide

$524

$44

Nationwide

$541

$45

GEICO

$551

$46

Progressive

$624

$52

Allstate

$634

$53

Progressive

$636

$53

Nationwide

$667

$56

Nationwide

$673

$56

American Family

$674

$56

Allstate

$676

$56

Nationwide

$703

$59

National General

$704

$59

National General

$705

$59

Progressive

$723

$60

Allstate

$731

$61

Virginia Farm Bureau

$740

$62

Cincinnati Insurance

$749

$62

Auto-Owners Insurance Co

$774

$65

American Family

$790

$66

Erie

$793

$66

Auto-Owners Insurance Co

$795

$66

Cincinnati Insurance

$796

$66

Erie

$798

$66

Virginia Farm Bureau

$810

$68

Virginia Farm Bureau

$818

$68

Travelers

$843

$70

Nationwide

$844

$70

Travelers

$845

$70

Cincinnati Insurance

$881

$73

National General

$898

$75

American Family

$916

$76

State Farm

$928

$77

GEICO

$930

$78

Mercury

$948

$79

State Farm

$988

$82

GEICO

$989

$82

Auto-Owners Insurance Co

$1,006

$84

Travelers

$1,006

$84

Mercury

$1,008

$84

Progressive

$1,015

$85

Erie

$1,023

$85

Progressive

$1,036

$86

Allstate

$1,154

$96

GEICO

$1,161

$97

Kemper

$1,184

$99

Kemper

$1,226

$102

Allstate

$1,229

$102

Progressive

$1,240

$103

Allstate

$1,240

$103

State Farm

$1,259

$105

Kemper

$1,336

$111

Mercury

$1,402

$117

National General

$1,606

$134

Cincinnati Insurance

$1,640

$137

National General

$1,702

$142

National General

$2,086

$174

Kemper

$2,184

$182

Kemper

$2,192

$183

Kemper

$2,535

$211

The amount of car insurance you need will greatly influence your rates. Our sample full coverage policy has the following limits:

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

Lowering your liability limits, increasing your deductible and excluding comprehensive and collision insurance from your policy are ways to save on insurance premiums. However, you won’t have complete financial protection from accidents.

How to Compare Cheap Virginia Car Insurance Quotes Online

You can get online quotes from various insurers. However, be prepared to spend up to 15 minutes on the process. You must also enter your information and compare rates from multiple websites.

A convenient and quick alternative is MoneyGeek's car insurance calculator. It doesn't require specific personal information and can help you start to find the cheapest car insurance in Virginia.

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Cheapest Car Insurance in Virginia by Age (October 2023)

Age is one of the biggest factors affecting car insurance rates in Virginia. MoneyGeek found that Nationwide and Virginia Farm Bureau offer the cheapest options on average, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Nationwide
Cheapest for young adults: Virginia Farm Bureau
Cheapest for seniors: Nationwide

Cheapest Car Insurance in Virginia for Teens and Their Families (October 2023)

Based on MoneyGeek's analysis, the cheapest insurance companies for teens in Virginia are:

  • Nationwide: $1,268 per year for male teens and $1,135 per year for female teens
  • State Farm: $2,272 per year for male teens and $1,792 per year for female teens

The most expensive company is Kemper, charging $9,603 per year for male teens and $7,784 per year for female teens.

Teens get lower car insurance rates as they get older. The most affordable insurer for 19-year-old males in Virginia is Nationwide ($1,144).

There's a significant difference in policy cost when teens buy their policy compared to when their parents add them to their policy. A 16-year-old male driver usually pays $5,585 per year for car insurance. However, they will only pay an average of $3,313 annually when added to their parent's policy, a savings of up to $2,272 per year.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Nationwide

$611

$1,060

Nationwide

$619

$1,188

Nationwide

$643

$788

Nationwide

$644

$843

Nationwide

$723

$885

Nationwide

$749

$981

Nationwide

$764

$936

Travelers

$773

$983

Nationwide

$794

$1,039

Travelers

$800

$1,029

Nationwide

$810

$992

State Farm

$815

$868

Nationwide

$845

$1,106

Travelers

$879

$1,118

Nationwide

$894

$1,549

State Farm

$907

$966

Travelers

$909

$1,157

State Farm

$914

$974

Travelers

$926

$1,191

Nationwide

$947

$1,817

Travelers

$958

$1,366

Auto-Owners Insurance Co

$976

$905

Travelers

$977

$1,243

State Farm

$992

$1,056

Allstate

$995

$984

Travelers

$1,003

$1,289

Allstate

$1,010

$995

Auto-Owners Insurance Co

$1,016

$957

Nationwide

$1,031

$2,102

Nationwide

$1,033

$1,789

State Farm

$1,035

$1,102

State Farm

$1,046

$1,275

Auto-Owners Insurance Co

$1,064

$987

Auto-Owners Insurance Co

$1,077

$1,015

Allstate

$1,084

$1,220

State Farm

$1,103

$1,175

Nationwide

$1,112

$2,267

Travelers

$1,114

$1,607

Travelers

$1,118

$1,438

Allstate

$1,125

$1,108

Allstate

$1,132

$1,115

Travelers

$1,133

$1,614

Nationwide

$1,135

$2,314

State Farm

$1,143

$1,218

Nationwide

$1,144

$2,196

Nationwide

$1,153

$2,548

Auto-Owners Insurance Co

$1,153

$1,087

Allstate

$1,167

$1,150

Progressive

$1,168

$1,195

Auto-Owners Insurance Co

$1,170

$1,084

Auto-Owners Insurance Co

$1,185

$1,388

Travelers

$1,195

$2,381

Allstate

$1,200

$1,357

State Farm

$1,202

$1,466

Progressive

$1,228

$1,246

Nationwide

$1,243

$2,746

Allstate

$1,244

$1,230

Auto-Owners Insurance Co

$1,247

$1,175

Allstate

$1,251

$1,237

State Farm

$1,263

$1,536

Nationwide

$1,268

$2,801

Allstate

$1,295

$1,280

State Farm

$1,296

$1,381

Auto-Owners Insurance Co

$1,309

$1,260

Auto-Owners Insurance Co

$1,310

$1,215

Travelers

$1,327

$1,892

Travelers

$1,342

$1,935

GEICO

$1,346

$1,729

State Farm

$1,358

$1,656

State Farm

$1,373

$1,898

GEICO

$1,375

$1,655

Auto-Owners Insurance Co

$1,392

$1,631

GEICO

$1,409

$1,250

Allstate

$1,414

$2,046

Progressive

$1,415

$1,435

Progressive

$1,419

$1,451

Auto-Owners Insurance Co

$1,428

$1,375

Allstate

$1,447

$1,628

GEICO

$1,449

$1,207

GEICO

$1,451

$1,288

Travelers

$1,467

$2,963

GEICO

$1,476

$1,229

State Farm

$1,486

$1,807

Travelers

$1,492

$2,974

GEICO

$1,529

$1,357

Progressive

$1,547

$1,570

State Farm

$1,571

$2,171

Allstate

$1,572

$2,294

GEICO

$1,575

$1,311

Progressive

$1,579

$1,615

Auto-Owners Insurance Co

$1,581

$1,522

Travelers

$1,603

$2,311

Allstate

$1,613

$1,815

Allstate

$1,613

$1,824

Progressive

$1,626

$1,650

Auto-Owners Insurance Co

$1,633

$1,912

Progressive

$1,637

$1,794

Progressive

$1,639

$1,676

Allstate

$1,669

$2,415

Auto-Owners Insurance Co

$1,695

$1,692

GEICO

$1,696

$3,290

State Farm

$1,702

$2,070

GEICO

$1,731

$1,536

Progressive

$1,737

$1,912

State Farm

$1,739

$2,373

GEICO

$1,748

$2,245

GEICO

$1,763

$3,186

GEICO

$1,777

$1,480

Allstate

$1,791

$2,025

State Farm

$1,792

$2,477

Progressive

$1,855

$2,033

Auto-Owners Insurance Co

$1,855

$1,851

Allstate

$1,856

$2,708

Auto-Owners Insurance Co

$1,860

$2,237

Travelers

$1,865

$3,768

GEICO

$1,866

$2,246

GEICO

$1,961

$3,803

GEICO

$1,965

$2,523

Auto-Owners Insurance Co

$1,967

$1,963

State Farm

$1,992

$2,718

Travelers

$2,003

$3,992

GEICO

$2,058

$2,477

Auto-Owners Insurance Co

$2,058

$2,475

Progressive

$2,074

$2,272

GEICO

$2,080

$3,759

Progressive

$2,082

$2,292

Progressive

$2,232

$5,294

State Farm

$2,272

$3,100

Auto-Owners Insurance Co

$2,283

$2,745

Progressive

$2,324

$2,559

Kemper

$2,339

$2,333

Allstate

$2,423

$3,505

Progressive

$2,481

$5,910

GEICO

$2,548

$4,943

Travelers

$2,565

$5,180

Kemper

$2,614

$2,609

Progressive

$2,636

$6,253

Allstate

$2,691

$3,926

GEICO

$2,726

$4,926

Kemper

$2,800

$2,793

Progressive

$2,828

$6,709

Progressive

$2,887

$6,879

Kemper

$2,905

$2,898

Kemper

$3,052

$3,044

Progressive

$3,097

$7,377

Kemper

$3,254

$3,248

Kemper

$3,263

$3,383

Kemper

$3,448

$3,442

Kemper

$3,738

$3,731

Kemper

$3,908

$5,980

Kemper

$3,945

$4,090

Kemper

$4,014

$4,148

Kemper

$4,785

$4,961

Kemper

$4,815

$7,334

Kemper

$4,840

$5,003

Kemper

$4,966

$7,598

Kemper

$5,873

$6,070

Kemper

$6,117

$9,316

Kemper

$7,784

$11,908

Kemper

$9,603

$14,625

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Insurers provide discounts to young drivers to help families lower their premiums. For example, State Farm offers discounts for good academic performance and to distant students. Other insurance companies also provide many discounts for teens.

Cheapest Car Insurance in Virginia for Young Adults (October 2023)

The following companies offer the cheapest rates in Virginia for drivers in their 20s:

  • Virginia Farm Bureau: $810 per year
  • Nationwide: $844 per year

Kemper charges the highest rates for young adults, with an average cost of $2,535 per year.

A 25-year-old driver in Virginia generally pays more for a policy than a 40-year-old driver. For instance, Virginia Farm Bureau charges $70 more to insure drivers in their 20s.

Company
Annual Premium
Monthly Premium

Mercury

$267

$22

American Family

$269

$22

American Family

$330

$27

Virginia Farm Bureau

$337

$28

Mercury

$339

$28

Virginia Farm Bureau

$347

$29

Mercury

$368

$31

Erie

$368

$31

Erie

$373

$31

Cincinnati Insurance

$374

$31

American Family

$374

$31

Auto-Owners Insurance Co

$385

$32

Travelers

$392

$33

Cincinnati Insurance

$398

$33

State Farm

$398

$33

Auto-Owners Insurance Co

$402

$34

Virginia Farm Bureau

$422

$35

Travelers

$425

$35

State Farm

$426

$36

Travelers

$450

$37

Auto-Owners Insurance Co

$451

$38

GEICO

$456

$38

Erie

$474

$40

State Farm

$506

$42

GEICO

$516

$43

Nationwide

$524

$44

Nationwide

$541

$45

GEICO

$551

$46

Progressive

$624

$52

Allstate

$634

$53

Progressive

$636

$53

Nationwide

$667

$56

Nationwide

$673

$56

American Family

$674

$56

Allstate

$676

$56

Nationwide

$703

$59

National General

$704

$59

National General

$705

$59

Progressive

$723

$60

Allstate

$731

$61

Virginia Farm Bureau

$740

$62

Cincinnati Insurance

$749

$62

Auto-Owners Insurance Co

$774

$65

American Family

$790

$66

Erie

$793

$66

Auto-Owners Insurance Co

$795

$66

Cincinnati Insurance

$796

$66

Erie

$798

$66

Virginia Farm Bureau

$810

$68

Virginia Farm Bureau

$818

$68

Travelers

$843

$70

Nationwide

$844

$70

Travelers

$845

$70

Cincinnati Insurance

$881

$73

National General

$898

$75

American Family

$916

$76

State Farm

$928

$77

GEICO

$930

$78

Mercury

$948

$79

State Farm

$988

$82

GEICO

$989

$82

Auto-Owners Insurance Co

$1,006

$84

Travelers

$1,006

$84

Mercury

$1,008

$84

Progressive

$1,015

$85

Erie

$1,023

$85

Progressive

$1,036

$86

Allstate

$1,154

$96

GEICO

$1,161

$97

Kemper

$1,184

$99

Kemper

$1,226

$102

Allstate

$1,229

$102

Progressive

$1,240

$103

Allstate

$1,240

$103

State Farm

$1,259

$105

Kemper

$1,336

$111

Mercury

$1,402

$117

National General

$1,606

$134

Cincinnati Insurance

$1,640

$137

National General

$1,702

$142

National General

$2,086

$174

Kemper

$2,184

$182

Kemper

$2,192

$183

Kemper

$2,535

$211

Cheapest Car Insurance in Virginia for Seniors (October 2023)

MoneyGeek analyzed that the following companies are the cheapest options for seniors in Virginia:

  • Nationwide: $673 per year
  • Auto-Owners: $774 per year

Kemper provides senior drivers with the most expensive insurance policies, charging $2,192 yearly.

Senior drivers pay $30 less for a Nationwide car insurance in Virginia compared with middle-aged drivers. Insurance rates significantly increase when drivers are in their 70s and 80s.

Company
Annual Premium
Monthly Premium

Mercury

$267

$22

American Family

$269

$22

American Family

$330

$27

Virginia Farm Bureau

$337

$28

Mercury

$339

$28

Virginia Farm Bureau

$347

$29

Mercury

$368

$31

Erie

$368

$31

Erie

$373

$31

Cincinnati Insurance

$374

$31

American Family

$374

$31

Auto-Owners Insurance Co

$385

$32

Travelers

$392

$33

Cincinnati Insurance

$398

$33

State Farm

$398

$33

Auto-Owners Insurance Co

$402

$34

Virginia Farm Bureau

$422

$35

Travelers

$425

$35

State Farm

$426

$36

Travelers

$450

$37

Auto-Owners Insurance Co

$451

$38

GEICO

$456

$38

Erie

$474

$40

State Farm

$506

$42

GEICO

$516

$43

Nationwide

$524

$44

Nationwide

$541

$45

GEICO

$551

$46

Progressive

$624

$52

Allstate

$634

$53

Progressive

$636

$53

Nationwide

$667

$56

Nationwide

$673

$56

American Family

$674

$56

Allstate

$676

$56

Nationwide

$703

$59

National General

$704

$59

National General

$705

$59

Progressive

$723

$60

Allstate

$731

$61

Virginia Farm Bureau

$740

$62

Cincinnati Insurance

$749

$62

Auto-Owners Insurance Co

$774

$65

American Family

$790

$66

Erie

$793

$66

Auto-Owners Insurance Co

$795

$66

Cincinnati Insurance

$796

$66

Erie

$798

$66

Virginia Farm Bureau

$810

$68

Virginia Farm Bureau

$818

$68

Travelers

$843

$70

Nationwide

$844

$70

Travelers

$845

$70

Cincinnati Insurance

$881

$73

National General

$898

$75

American Family

$916

$76

State Farm

$928

$77

GEICO

$930

$78

Mercury

$948

$79

State Farm

$988

$82

GEICO

$989

$82

Auto-Owners Insurance Co

$1,006

$84

Travelers

$1,006

$84

Mercury

$1,008

$84

Progressive

$1,015

$85

Erie

$1,023

$85

Progressive

$1,036

$86

Allstate

$1,154

$96

GEICO

$1,161

$97

Kemper

$1,184

$99

Kemper

$1,226

$102

Allstate

$1,229

$102

Progressive

$1,240

$103

Allstate

$1,240

$103

State Farm

$1,259

$105

Kemper

$1,336

$111

Mercury

$1,402

$117

National General

$1,606

$134

Cincinnati Insurance

$1,640

$137

National General

$1,702

$142

National General

$2,086

$174

Kemper

$2,184

$182

Kemper

$2,192

$183

Kemper

$2,535

$211

Many insurance companies like Allstate, GEICO and American Family help senior drivers save on their premiums through discounts. Since insurers analyze various factors besides age to determine rates, you should compare quotes to find the cheapest option.

Cheapest Car Insurance for Higher Risk Drivers (October 2023)

The cheapest car insurance company for drivers with a speeding ticket or an at-fault accident is Auto-Owners. Drivers with a DUI on their record may find the cheapest rates from Virginia Farm Bureau.

Nationwide offers the most affordable policies for drivers with poor credit, while American Family has the cheapest rates for those with sports cars.

The likelihood of filing a claim increases after a traffic violation, so insurers charge higher rates. You should work to improve your driving record and compare quotes from different insurers to get the cheapest rates.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Auto-Owners ($820 per year)
Cheapest after an accident: Auto-Owners ($742 per year)
Cheapest after a DUI: Virginia Farm Bureau ($945 per year)
Cheapest for poor credit: Nationwide ($944 per year)
Cheapest for sports cars: American Family ($730 per year)

Cheapest Car Insurance in Virginia After a Ticket

MoneyGeek found the cheapest car insurance companies for drivers with speeding tickets are:

  • Auto-Owners: $820 per year
  • Nationwide: $866 per year

National General provides the most expensive policies to drivers with speeding tickets, costing an average of $3,192 annually.

A speeding ticket on your record generally causes your premiums to increase. Drivers with a speeding ticket in Virginia pay an average of $377 more for a policy than drivers with a clean record.

Company
Annual Premium
Monthly Premium

American Family

$374

$31

Mercury

$394

$33

Auto-Owners Insurance Co

$397

$33

Mercury

$413

$34

Erie

$431

$36

Cincinnati Insurance

$432

$36

Erie

$436

$36

State Farm

$445

$37

Auto-Owners Insurance Co

$446

$37

Cincinnati Insurance

$456

$38

American Family

$466

$39

State Farm

$472

$39

Auto-Owners Insurance Co

$504

$42

Virginia Farm Bureau

$510

$42

Travelers

$520

$43

Virginia Farm Bureau

$525

$44

American Family

$538

$45

Travelers

$545

$45

Erie

$550

$46

GEICO

$565

$47

State Farm

$568

$47

Mercury

$569

$47

Travelers

$583

$49

GEICO

$599

$50

GEICO

$622

$52

Virginia Farm Bureau

$643

$54

Nationwide

$660

$55

Nationwide

$679

$57

Progressive

$807

$67

Nationwide

$818

$68

Auto-Owners Insurance Co

$820

$68

Nationwide

$831

$69

Allstate

$850

$71

Auto-Owners Insurance Co

$858

$72

Nationwide

$866

$72

Cincinnati Insurance

$872

$73

Progressive

$876

$73

Allstate

$886

$74

Erie

$909

$76

Erie

$918

$77

Progressive

$924

$77

Cincinnati Insurance

$927

$77

Allstate

$962

$80

American Family

$975

$81

State Farm

$1,020

$85

Nationwide

$1,021

$85

Cincinnati Insurance

$1,028

$86

State Farm

$1,108

$92

Auto-Owners Insurance Co

$1,120

$93

Virginia Farm Bureau

$1,145

$95

American Family

$1,158

$97

Erie

$1,168

$97

Travelers

$1,197

$100

GEICO

$1,201

$100

GEICO

$1,202

$100

Travelers

$1,245

$104

Virginia Farm Bureau

$1,247

$104

Virginia Farm Bureau

$1,287

$107

Travelers

$1,309

$109

GEICO

$1,343

$112

American Family

$1,359

$113

Progressive

$1,376

$115

State Farm

$1,386

$116

Mercury

$1,419

$118

Progressive

$1,440

$120

National General

$1,463

$122

Mercury

$1,512

$126

Allstate

$1,517

$126

Kemper

$1,519

$127

Allstate

$1,595

$133

Progressive

$1,610

$134

Allstate

$1,617

$135

Kemper

$1,629

$136

Kemper

$1,716

$143

National General

$1,749

$146

National General

$1,783

$149

Cincinnati Insurance

$1,919

$160

Mercury

$2,093

$174

Kemper

$2,764

$230

Kemper

$2,848

$237

National General

$3,192

$266

Kemper

$3,217

$268

National General

$3,890

$324

National General

$3,891

$324

Cheapest Car Insurance in Virginia After an Accident

The following insurance companies have the cheapest rates for drivers with an accident on their record:

  • Auto-Owners: $742 per year
  • American Family: $929 per year

Kemper offers the priciest policy for drivers with accidents on their records, with an average cost of $3,265 per year.

On average, drivers with an accident pay $561 more than someone with a clean driving record.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$358

$30

American Family

$364

$30

Auto-Owners Insurance Co

$402

$34

Auto-Owners Insurance Co

$451

$38

American Family

$473

$39

Virginia Farm Bureau

$481

$40

State Farm

$487

$41

Virginia Farm Bureau

$494

$41

American Family

$507

$42

Cincinnati Insurance

$509

$42

State Farm

$515

$43

Cincinnati Insurance

$532

$44

Travelers

$549

$46

Erie

$552

$46

Erie

$555

$46

Mercury

$568

$47

Travelers

$576

$48

Mercury

$595

$50

Virginia Farm Bureau

$606

$50

Travelers

$619

$52

State Farm

$621

$52

Erie

$706

$59

GEICO

$713

$59

Auto-Owners Insurance Co

$742

$62

GEICO

$762

$63

GEICO

$774

$65

Auto-Owners Insurance Co

$774

$65

Nationwide

$781

$65

Nationwide

$803

$67

Mercury

$824

$69

American Family

$929

$77

Progressive

$947

$79

Nationwide

$971

$81

Nationwide

$971

$81

Virginia Farm Bureau

$1,001

$83

Auto-Owners Insurance Co

$1,006

$84

Nationwide

$1,010

$84

Cincinnati Insurance

$1,030

$86

Progressive

$1,045

$87

Virginia Farm Bureau

$1,066

$89

Progressive

$1,067

$89

Cincinnati Insurance

$1,093

$91

State Farm

$1,099

$92

Erie

$1,143

$95

Allstate

$1,144

$95

American Family

$1,146

$96

Erie

$1,151

$96

Virginia Farm Bureau

$1,162

$97

State Farm

$1,193

$99

Allstate

$1,194

$99

Nationwide

$1,197

$100

Cincinnati Insurance

$1,208

$101

Travelers

$1,249

$104

American Family

$1,252

$104

Allstate

$1,302

$109

Travelers

$1,304

$109

Travelers

$1,367

$114

National General

$1,463

$122

Erie

$1,473

$123

State Farm

$1,497

$125

GEICO

$1,518

$126

GEICO

$1,534

$128

GEICO

$1,620

$135

Progressive

$1,620

$135

Progressive

$1,721

$143

Kemper

$1,742

$145

National General

$1,749

$146

National General

$1,783

$149

Progressive

$1,866

$155

Kemper

$1,869

$156

Kemper

$1,971

$164

Mercury

$1,980

$165

Allstate

$2,015

$168

Mercury

$2,092

$174

Allstate

$2,119

$177

Allstate

$2,167

$181

Cincinnati Insurance

$2,276

$190

Mercury

$2,915

$243

National General

$3,192

$266

Kemper

$3,265

$272

Kemper

$3,356

$280

Kemper

$3,811

$318

National General

$3,890

$324

National General

$3,891

$324

Cheapest Car Insurance in Virginia After a DUI

MoneyGeek’s analysis shows that the cheapest insurance companies for drivers with a DUI in Virginia are:

  • Virginia Farm Bureau: $945 per year
  • State Farm: $1,108 per year

Cincinnati Insurance charges the most to insure drivers with a DUI in Virginia. A policy with this company costs an average of $2,726 per year.

Drivers with a DUI pay as much as $604 more for car insurance than drivers with no violations on their records.

Company
Annual Premium
Monthly Premium

Mercury

$381

$32

Mercury

$399

$33

Virginia Farm Bureau

$424

$35

Virginia Farm Bureau

$436

$36

State Farm

$445

$37

State Farm

$472

$39

Virginia Farm Bureau

$528

$44

American Family

$536

$45

Mercury

$551

$46

State Farm

$568

$47

Auto-Owners Insurance Co

$620

$52

Travelers

$624

$52

Travelers

$654

$55

Erie

$672

$56

American Family

$676

$56

Erie

$676

$56

Auto-Owners Insurance Co

$694

$58

Travelers

$704

$59

American Family

$778

$65

Auto-Owners Insurance Co

$810

$67

Progressive

$830

$69

Erie

$863

$72

Progressive

$908

$76

Nationwide

$933

$78

Progressive

$936

$78

Virginia Farm Bureau

$945

$79

National General

$946

$79

Nationwide

$954

$79

Allstate

$966

$80

Allstate

$1,009

$84

State Farm

$1,020

$85

Virginia Farm Bureau

$1,039

$87

Virginia Farm Bureau

$1,044

$87

National General

$1,071

$89

GEICO

$1,083

$90

Allstate

$1,094

$91

Cincinnati Insurance

$1,106

$92

State Farm

$1,108

$92

Nationwide

$1,123

$94

GEICO

$1,144

$95

Nationwide

$1,149

$96

National General

$1,176

$98

Cincinnati Insurance

$1,176

$98

Nationwide

$1,188

$99

Kemper

$1,240

$103

Auto-Owners Insurance Co

$1,259

$105

GEICO

$1,263

$105

Kemper

$1,284

$107

Auto-Owners Insurance Co

$1,330

$111

Mercury

$1,340

$112

Progressive

$1,372

$114

Travelers

$1,375

$115

Nationwide

$1,376

$115

Erie

$1,377

$115

Erie

$1,386

$115

State Farm

$1,386

$116

Kemper

$1,400

$117

American Family

$1,402

$117

Mercury

$1,422

$118

Travelers

$1,432

$119

Progressive

$1,446

$121

Travelers

$1,502

$125

Progressive

$1,595

$133

American Family

$1,674

$139

Allstate

$1,706

$142

Auto-Owners Insurance Co

$1,767

$147

Erie

$1,776

$148

Allstate

$1,797

$150

Allstate

$1,823

$152

American Family

$1,964

$164

Mercury

$1,974

$164

National General

$2,290

$191

Kemper

$2,291

$191

GEICO

$2,296

$191

Kemper

$2,299

$192

Cincinnati Insurance

$2,312

$193

GEICO

$2,319

$193

GEICO

$2,425

$202

Cincinnati Insurance

$2,443

$204

Kemper

$2,659

$222

Cincinnati Insurance

$2,726

$227

National General

$2,727

$227

National General

$2,881

$240

Cincinnati Insurance

$5,173

$431

Cheapest Car Insurance in Virginia for Drivers With Poor Credit (October 2023)

MoneyGeek found the following companies offer affordable rates for drivers with a bad credit score (below 580):

  • Nationwide: $944 per year
  • Virginia Farm Bureau: $1,164 per year

The most expensive insurer for drivers with bad credit is Auto-Owners, charging an average of $2,674 per year.

The average annual premium for drivers with a credit score below 580 is $824 more than for drivers with a strong credit history (above 750).

Company
Annual Premium
Monthly Premium

Mercury

$373

$31

Mercury

$389

$32

Virginia Farm Bureau

$513

$43

Virginia Farm Bureau

$526

$44

Mercury

$536

$45

Virginia Farm Bureau

$646

$54

Nationwide

$695

$58

Cincinnati Insurance

$696

$58

GEICO

$708

$59

Travelers

$715

$60

Nationwide

$717

$60

Cincinnati Insurance

$737

$61

Travelers

$741

$62

GEICO

$752

$63

Travelers

$783

$65

State Farm

$787

$66

GEICO

$808

$67

State Farm

$834

$69

Erie

$839

$70

Erie

$847

$71

Progressive

$869

$72

Nationwide

$892

$74

Progressive

$893

$74

Nationwide

$902

$75

American Family

$933

$78

Nationwide

$944

$79

Allstate

$994

$83

State Farm

$1,009

$84

National General

$1,011

$84

Progressive

$1,013

$84

Allstate

$1,036

$86

Erie

$1,050

$87

National General

$1,065

$89

Allstate

$1,129

$94

Nationwide

$1,140

$95

Virginia Farm Bureau

$1,164

$97

Auto-Owners Insurance Co

$1,182

$99

American Family

$1,187

$99

Virginia Farm Bureau

$1,278

$106

Virginia Farm Bureau

$1,286

$107

Auto-Owners Insurance Co

$1,328

$111

National General

$1,374

$115

American Family

$1,378

$115

Kemper

$1,404

$117

Cincinnati Insurance

$1,422

$119

Mercury

$1,441

$120

Cincinnati Insurance

$1,443

$120

Travelers

$1,486

$124

Auto-Owners Insurance Co

$1,488

$124

Travelers

$1,494

$124

GEICO

$1,499

$125

Kemper

$1,527

$127

GEICO

$1,528

$127

Progressive

$1,541

$128

Mercury

$1,555

$130

Progressive

$1,574

$131

Kemper

$1,586

$132

Cincinnati Insurance

$1,602

$134

Travelers

$1,719

$143

GEICO

$1,772

$148

State Farm

$1,801

$150

Allstate

$1,845

$154

Erie

$1,848

$154

Erie

$1,865

$155

Progressive

$1,892

$158

Allstate

$1,942

$162

Allstate

$1,963

$164

State Farm

$1,972

$164

Mercury

$2,137

$178

Erie

$2,348

$196

State Farm

$2,483

$207

American Family

$2,510

$209

National General

$2,518

$210

National General

$2,542

$212

Kemper

$2,609

$217

Auto-Owners Insurance Co

$2,674

$223

Auto-Owners Insurance Co

$2,768

$231

Kemper

$2,772

$231

Kemper

$3,027

$252

American Family

$3,028

$252

Cincinnati Insurance

$3,039

$253

National General

$3,321

$277

American Family

$3,567

$297

Auto-Owners Insurance Co

$3,654

$304

Auto insurance companies charge higher rates to insure drivers with bad credit scores because such drivers are more likely to file a claim. Virginia’s laws permit insurers to consider credit scores when determining rates.

Comparing rates from different insurers can help you find the cheapest policy. You can also take advantage of various discounts to save on car insurance.

Cheapest Car Insurance in Virginia for Sports Cars (October 2023)

MoneyGeek found that the cheapest car insurance companies for sports car drivers are:

  • American Family: $730 per year
  • Auto-Owners : $762 per year

Kemper offers the most expensive policy for a sports car owner, charging an average of $2,639 per year.

Insurance costs are generally higher for drivers with a sports or luxury car than drivers with a Toyota Camry with a difference of $166.

Company
Annual Premium
Monthly Premium

Mercury

$267

$22

American Family

$269

$22

American Family

$330

$27

Virginia Farm Bureau

$337

$28

Mercury

$339

$28

Virginia Farm Bureau

$347

$29

Mercury

$368

$31

Erie

$368

$31

Erie

$373

$31

Cincinnati Insurance

$374

$31

American Family

$374

$31

Auto-Owners Insurance Co

$385

$32

Travelers

$392

$33

Cincinnati Insurance

$398

$33

State Farm

$398

$33

Auto-Owners Insurance Co

$402

$34

Virginia Farm Bureau

$422

$35

Travelers

$425

$35

State Farm

$426

$36

Travelers

$450

$37

Auto-Owners Insurance Co

$451

$38

GEICO

$456

$38

Erie

$474

$40

State Farm

$506

$42

GEICO

$516

$43

Nationwide

$524

$44

Nationwide

$541

$45

GEICO

$551

$46

Progressive

$624

$52

Allstate

$634

$53

Progressive

$636

$53

Nationwide

$667

$56

Allstate

$676

$56

National General

$704

$59

National General

$705

$59

Progressive

$723

$60

American Family

$730

$61

Allstate

$731

$61

Cincinnati Insurance

$749

$62

Auto-Owners Insurance Co

$762

$64

Nationwide

$766

$64

Travelers

$787

$66

Auto-Owners Insurance Co

$797

$66

Nationwide

$810

$67

Travelers

$813

$68

American Family

$860

$72

National General

$898

$75

Travelers

$955

$80

Nationwide

$982

$82

American Family

$1,001

$83

Auto-Owners Insurance Co

$1,044

$87

Progressive

$1,064

$89

State Farm

$1,093

$91

GEICO

$1,104

$92

Kemper

$1,184

$99

GEICO

$1,188

$99

Progressive

$1,191

$99

State Farm

$1,194

$99

Kemper

$1,226

$102

Kemper

$1,336

$111

GEICO

$1,379

$115

Allstate

$1,387

$116

Allstate

$1,446

$120

Allstate

$1,462

$122

Progressive

$1,462

$122

State Farm

$1,520

$127

Kemper

$2,614

$218

Kemper

$2,639

$220

Kemper

$3,083

$257

MoneyGeek used a Ford Mustang as the sample sports car for this analysis. Your insurance cost may vary based on your car model. Insurers generally charge significantly high rates to insure electric, luxury or sports cars.

Cheapest Car Insurance in Virginia for Military Drivers (October 2023)

MoneyGeek found that the cheapest car insurance company for veterans and active-duty military members is American Family, charging an average of $674 per year.

The second-best option is USAA, which tailors its policies to military members and veterans. Its policies are available in all U.S. states and cost an average of $731 per year.

mglogo
MoneyGeek Top Pick
American Family Insurance
  • $674 per year
  • Ranks first out of 15 insurance providers for affordability

American Family offers a discount to active-duty military members and veterans, helping them save about 15% on their car insurance premiums. Besides the military discount, the company provides a discount for bundling, defensive driving, paperless billing, safe driving and automatic payments.

Cheapest Car Insurance in Virginia by City

The cost of car insurance can greatly vary based on where you live in the state. Insurance companies will consider you risky to insure and charge higher rates if you live in an area with high theft, vandalism or accidents.

Newport News is the cheapest city for car insurance in Virginia — American Family charges $643 per year for a policy in this city. The company is also the most affordable insurer in Hampton at an average of $670 per year.

The most expensive city for car insurance in Virginia is Alexandria. American Family charges an average of $734 per year for a policy in this city.

Our list of Virginia cities below can help you compare average car insurance rates based on your location.

City
Cheapest Company
Annual Premium

Alexandria

American Family

$734

Arlington

American Family

$690

Chesapeake

American Family

$678

Hampton

American Family

$670

Newport News

American Family

$643

Norfolk

American Family

$678

Richmond

American Family

$707

Virginia Beach

American Family

$678

Car Insurance in Virginia: What You Need to Know

Auto insurance laws in Virginia require drivers to carry a policy with at least bodily injury liability (BDL) and property damage liability (PDL) coverages. It also makes it mandatory to purchase uninsured/underinsured motorist coverage, which most states do not require.

Virginia Car Insurance Requirements

Virginia drivers must have an auto policy that meets the state’s minimum requirements. Based on the state’s law, drivers should purchase bodily injury liability (BDL), property damage liability (PDL) and uninsured/underinsured motorist coverages.

You will pay less for a minimum coverage policy; however, it might not offer sufficient protection. Even though it’s your personal decision, you should buy as much liability coverage as possible based on MoneyGeek’s recommendations.

Drivers with serious violations must file an SR-22 in Virginia, and those with a DUI must file an FR-44. You’ll likely need more coverage with such violations on your record.

  • male icon

    Bodily Injury Liability

    Virginia’s auto insurance laws require that drivers have bodily injury liability coverage of at least $25,000 per person and $50,000 per accident. This coverage will help you pay for medical and other expenses if you harm someone in an accident.

  • accident2 icon

    Property Damage Liability

    You must have at least $20,000 in property damage liability coverage in Virginia. This coverage will protect you against the cost of damages to another person’s property or vehicle in case of an accident.

  • carInsurance icon

    Uninsured/Underinsured Motorist Coverage

    The required uninsured/underinsured motorist coverage limits for drivers in Virginia are $25,000 for bodily injuries per person, $50,000 for bodily injuries per accident and $20,000 for property damage. This coverage will provide financial protection in case of an accident with a driver who has insufficient or no coverage.

Based on MoneyGeek’s recommendations, you should get a policy with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage insurance per accident.

Drivers who have financed their vehicles will need to buy comprehensive and collision insurance. Collision insurance protects against damages if your vehicle hits an object or another car on the road. Comprehensive insurance covers the repair or replacement cost of your vehicle if it’s stolen or damaged due to vandalism or natural events.

You should always consider buying comprehensive and collision insurance if you own a luxury or sports car.

Car Insurance Alternatives in Virginia

An alternative to a car insurance policy in Virginia for business vehicle owners is a certificate of self-insurance from the Virginia Department of Motor Vehicles. With self-insurance, drivers pay the cost of damages caused in an accident.

You must submit the following documents to get a certificate of self-insurance in Virginia:

  • List of vehicles registered in Virginia
  • FR 302, Application for Self-Insurance
  • Latest consolidated financial report certified by a reputable firm of CPAs

Although this certificate is continuous, you must file a financial statement at the end of each fiscal year.

FAQs About Car Insurance in Virginia

MoneyGeek answers the following commonly asked questions to address concerns regarding the cost and quality of car insurance in Virginia.

Expert Advice on Finding Cheap Car Insurance in Virginia

To help you find credible and accurate insight on car insurance in Virginia, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Virginia should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Virginia take to find affordable car insurance?
Irene Leech
Irene Leech

Associate Professor of Consumer Studies at Virginia Tech

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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