Best, Cheapest Car Insurance in Virginia (2022)

The cheapest car insurance companies in Virginia: Farm Bureau, $36 a month; USAA, $41; State Farm, $51.

See Your Rates

Farm Bureau and USAA have the cheapest average auto insurance rates for Virginia drivers, according to our research. Farm Bureau has an average rate of $36 a month for minimum-coverage car insurance. USAA has the second-cheapest rate for minimum coverage in Virginia, at $41 a month.

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Who has the cheapest car insurance in Virginia?

Farm Bureau and USAA have the best rates for car insurance in Virginia for minimum- and full-coverage policies. Both providers offer rates below the Virginia state average of $71 a month for minimum coverage and $135 a month for full coverage.

USAA only provides auto insurance for military members and their families. If you're a civilian, the company with the next-cheapest rates after Farm Bureau is State Farm.

Cheapest minimum-coverage car insurance in Virginia

Farm Bureau has the lowest average rate of $36 a month for liability insurance in Virginia. USAA has the second-cheapest average rate of $41 a month.

Company Monthly rate
Farm Bureau $36
USAA $41
State Farm $51
GEICO $59
Erie $68
Allstate $68
Nationwide $86
Progressive $104
Travelers $129
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance in Virginia

The most affordable rate for full-coverage car insurance in Virginia comes from Farm Bureau, at $75 a month. USAA has the second-lowest rate, with an average $84 a month.

Company Monthly rate
Farm Bureau $75
USAA $84
State Farm $88
GEICO $123
Erie $126
Progressive $147
Allstate $161
Nationwide $167
Travelers $244
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage auto insurance combines liability coverage with collision and comprehensive coverages. If you're in an accident, liability coverage only takes care of the damages and injuries of others involved. You need full-coverage car insurance to recoup your own costs due to an accident. If you financed your car, your lender will likely require you to carry full-coverage insurance for the duration of the loan.

Cheapest car insurance for drivers with an accident history

If you're a Virginia driver looking for minimum-coverage auto insurance after an accident, Farm Bureau has the cheapest average rate of $75 a month. State Farm has the next-lowest rate, at $105 a month.

Company Monthly rate
Farm Bureau $75
State Farm $105
USAA $125
Nationwide $167
GEICO $179
Erie $181
Progressive $225
Allstate $283
Travelers $297
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with a DUI

Virginia drivers with a DUI on their record can find the cheapest average rate for auto insurance from Farm Bureau, at $93 a month. State Farm has the next-lowest average rate of $96.

Company Monthly rate
Farm Bureau $93
State Farm $96
USAA $157
Progressive $189
Erie $218
Allstate $233
GEICO $297
Nationwide $325
Travelers $326
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A first-offense DUI with a 0.08% blood alcohol content carries the following penalties in Virginia:

  • Minimum $250 fine
  • One year driver's license suspension

If you have a suspended license due to a DUI or other serious infraction, you will need to file an SR-22 to get your license reinstated. An SR-22 acts as proof that you carry Virginia's minimum-coverage car insurance. Virginia law requires an SR-22 for three consecutive years. This term could be longer if you have other infractions during that time.

Cheapest car insurance for drivers with a speeding ticket

If you have a speeding ticket in Virginia, your cheapest rate for minimum car insurance comes from Farm Bureau, at $81 a month. The second-lowest average rate is from State Farm, at $96 a month.

Company Monthly rate
Farm Bureau $81
State Farm $96
USAA $103
GEICO $123
Erie $144
Progressive $187
Allstate $207
Nationwide $210
Travelers $244
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Get cheap car insurance in Virginia

Cheapest car insurance companies for teen drivers

Teen drivers in Virginia get the most affordable rates for minimum- and full-coverage auto insurance with Travelers. An 18-year old in Virginia pays an average $223 a month for liability insurance and $436 a month for full coverage.

Teens pay the most for car insurance of any other age group. Car insurance companies consider teens to be high-risk due to their relative inexperience driving. Teens see higher car insurance rates because of this.

Cheapest minimum-coverage car insurance for teens

An 18-year-old in Virginia can get the lowest rates for car insurance from Travelers, which has an average monthly rate of $109. Allstate is second-cheapest, at $141 a month.

Company Monthly rate
Travelers $109
Allstate $141
Progressive $153
Amica $154
GEICO $186
MetLife $308
State Farm $357
Nationwide $376
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage auto insurance for teens

Teen drivers in Virginia can find the cheapest rates for full-coverage car insurance from Travelers, which charges $219 per month. Progressive offers the next-cheapest rate, $271 a month.

Company Monthly rate
Travelers $219
Progressive $271
Amica $289
Allstate $376
GEICO $412
MetLife $601
Nationwide $616
State Farm $702
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens after an accident

If you're a Virginia teen with an accident on your record, we recommend Travelers, which has the lowest average rate for minimum-coverage insurance after an accident, $259 a month. The next-cheapest option is Progressive, at $329 a month.

Company Monthly rate
Travelers $259
Progressive $329
Amica $387
GEICO $459
MetLife $601
Allstate $675
Nationwide $705
State Farm $824
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a DUI

Virginia teens with a DUI can find the lowest rate for liability insurance with Progressive, at $300 a month. Travelers is the next-cheapest provider, at $333 a month, on average.

Company Monthly rate
Progressive $300
Travelers $333
Amica $428
Allstate $557
GEICO $588
Nationwide $663
MetLife $721
State Farm $918
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a speeding ticket

If you have a speeding ticket, Travelers has the cheapest average premium, $247 a month. Progressive has the next-lowest rate, at $300 a month.

Company Monthly rate
Travelers $247
Progressive $300
Amica $345
GEICO $412
Allstate $490
MetLife $640
Nationwide $668
State Farm $702
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors in Virginia

Travelers and Progressive offer the cheapest rates across the board for senior drivers in Virginia. If you're looking for minimum or full-coverage car insurance, or you have accidents, DUIs or speeding tickets on your record, Travelers and Progressive have the best average rates for you.

Seniors pay higher rates than younger drivers, except for teens, due to the risk that comes with decreased reaction time that can occur with age. Seniors in Virginia looking for minimum-coverage car insurance pay an average of $70 a month, or $126 a month for full-coverage car insurance.

Cheapest minimum-coverage auto insurance for seniors

If you're a senior in Virginia looking for a minimum-coverage car insurance policy, Travelers is your cheapest choice, with an average $39 a month. Progressive is the next most affordable provider, at $49 a month.

Company Monthly rate
Travelers $39
Progressive $49
GEICO $62
Amica $63
Allstate $65
MetLife $73
Nationwide $99
State Farm $112
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for seniors

Virginia seniors looking for full-coverage car insurance can find the cheapest rate with Travelers, at $75 a month. Progressive has the next-lowest rate, $82 a month.

Company Monthly rate
Travelers $75
Progressive $82
Amica $116
GEICO $123
Nationwide $134
MetLife $139
Allstate $143
State Farm $199
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with an accident record

Virginia seniors with an accident on their driving record can find the cheapest minimum-coverage car insurance from Progressive, at $98 a month. Travelers has the next-lowest rate of $123 a month.

Company Monthly rate
Progressive $98
Travelers $123
MetLife $139
Amica $166
GEICO $186
Nationwide $215
Allstate $252
State Farm $275
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors after a DUI

Senior drivers in Virginia with a DUI pay the most affordable minimum-coverage rates with Progressive, which has an average rate of $90 a month. Travelers is the second-cheapest, at $141 a month.

Company Monthly rate
Progressive $90
Travelers $141
Nationwide $179
Amica $201
Allstate $207
MetLife $293
State Farm $302
GEICO $317
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with a speeding ticket

Seniors in Virginia with a speeding ticket can find the lowest auto insurance premium with Progressive, at $90 a month. Travelers is the next-cheapest choice, at $92, on average.

Company Monthly rate
Progressive $90
Travelers $92
GEICO $123
Amica $132
Nationwide $174
MetLife $183
Allstate $184
State Farm $199
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare rates from Virginia's cheapest auto insurers

Cheapest car insurance rates in Virginia by city

Roanoke has the lowest average minimum-coverage car insurance rate in Virginia, at $58 a month. Newport News, Chesapeake and Arlington share second place for lowest rates, with an average premium of $71 a month.

Company Monthly rate
Roanoke $58
Newport News $71
Chesapeake $71
Arlington $71
Hampton $73
Richmond $74
Portsmouth $74
Norfolk $74
Alexandria $76
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What are Virginia's car insurance requirements?

Virginia state law requires drivers to have the following minimum auto insurance coverage:

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $50,000
  • Property damage: $20,000

Note that these are the legal car insurance requirements if you do purchase auto insurance in Virginia. They are unlikely to be adequate in the event of an accident that results in a large medical bill or a long court case. To make sure you have proper coverage that's still affordable, we recommend the following car insurance limits:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage: $100,000

If you do not want to purchase auto insurance, the state of Virginia allows you to pay a $500 uninsured motor vehicle (UMV) fee. This only allows you to drive without insurance at your own risk. It does not act as insurance of any sort, and it expires when your registration expires and must be renewed.

Given the low average price of auto insurance in Virginia, it may actually cost you more to pay UMV fees over time than to buy a car insurance policy. And that's before considering the thousands of dollars it could cost you out of pocket if you're involved in an accident without insurance coverage.

Compare quotes from multiple auto insurance companies to find the best premium you can. If you can't find something affordable, contact the Virginia Bureau of Insurance.

Methodology

QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in Virginia:

  • Allstate
  • Amica
  • GEICO
  • Nationwide
  • MetLife
  • Progressive
  • State Farm
  • Travelers

Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.

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