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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