Best Cheap Car Insurance Companies for High-Risk Drivers in Virginia

Research and compare your options if you want to save money on your car insurance. The severity and quantity of violations will influence how auto insurance providers see your level of risk. Keep in mind that premiums vary from driver to driver.

In Virginia, you are likely to find top-quality high-risk car insurance at competitive rates with Progressive at around $741 per year.

A high-risk driver may have a history of at-fault accidents, speeding tickets, violations or a DUI. Being a teen driver and not having insurance puts you in the same high-risk category.

In Virginia, high-risk drivers can receive car insurance for as much as $1,068 on average. On the other hand, drivers with clean records can get coverage for about $743. Your level of risk increases the cost of insurance, so it’s important to shop around and find a company that fits your policy needs and budget.

High-risk drivers in Virginia can rely on Progressive for affordable car insurance. An average annual premium from this company starts at $741. Even though it is the more affordable provider, it still offers unique features such as custom parts and equipment coverage.

Progressive offers discounts and has above-average scores for complaints, financial stability and customer satisfaction. MoneyGeek’s Progressive auto insurance review provides an in-depth look at its service, pros, cons and pricing.

With a MoneyGeek rating of 91 out of 100, Progressive is the best car insurance provider for high-risk drivers. Discounts are available to its members, especially those who have maintained a clean driving record and paid their premiums on time. The second-best car insurance in Virginia is State Farm, scoring 86 out of 100.

Serious driving offenses like driving under the influence come with severe markups on your record and inflated premiums. Progressive offers affordable policies averaging $699 per year for those with a DUI.

If you or a family member is in the military, check out USAA, as it offers affordable car insurance for insurance buyers who qualify. Learn more about the provider in MoneyGeek’s USAA review.

Teen drivers are costly to insure. Nationwide is the cheapest high-risk auto insurance company for young drivers in Utah, offering policies at around $2,975 per year on average.

There are different ways to cut costs with Nationwide as your insurer. Some of the more common discounts include those for bundling, insuring multiple cars, being a good student or safe driver, having an anti-theft system, agreeing to autopayments and having defensive driving education.

Nationwide also encourages better driving habits among young drivers. Find out more in MoneyGeek’s Nationwide review.

GEICO is well known for having cheap insurance for drivers of all types. For drivers with bad credit in Virginia, the annual premium averages $769.

MoneyGeek’s GEICO review offers more insights. While your credit score might be low today, remember that you can increase your rating by paying off loans and keeping balances low. Having a safety net to plan for unexpected costs can help you improve your credit score and remain financially healthy.

Virginia insurance companies that consider driver profiles and histories charge about 30% more to insure a high-risk driver than a low-risk driver. High-risk drivers pay an average of $1,068, while the latter only pays about $743.

By entering a few key details into MoneyGeek's Virginia car insurance calculator, you can get an idea of how much you'll pay for a policy. Our tool can also help you identify ways to save money based on your individual needs.

Since auto insurance is a voluntary market, some car insurance companies might refuse high-risk drivers coverage. However, the Automobile Insurance Plan Service Office (AIPSO) is a not-for-profit corporation that has provided residual market coverage to high-risk drivers for nearly 50 years. It’s a good alternative.

In Virginia, the residual plan is called the Virginia Automobile Insurance Plan (VAIP). It was created in 1972 to ensure that applicants struggling to obtain insurance through the voluntary market have access to coverage.

Virginia consumers who possess a valid driver's license and a vehicle registered in Virginia may be eligible to apply through the VAIP. For more information, consult an insurance agent or broker.

In Virginia, obtaining affordable and comprehensive auto insurance as a high-risk driver can be challenging. MoneyGeek has compiled a list of frequently asked questions to help you find the right fit.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.