Cheapest Insurance in Virginia 2021

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Virginia is one of only two states that does not require drivers to carry auto insurance.
With a saturated and highly competitive insurance market and low costs for car repairs, Virginia has fairly reasonable car insurance premiums that fall below the national average. Even still, it definitely pays to get quotes from a few different insurance providers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Virginia. And if you want to learn more about car insurance rates in Virginia keep reading.
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Here’s how much real Jerry customers saved in Virginia when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
April 4, 2021Chevrolet Malibu LTWoodbridge28Bristol WestBasic$211/mo.$84/mo.
August 11, 2021Hyundai Elantra GLSNorfolk28State AutoCustom$200/mo.$127/mo.
August 24, 2021Chevrolet Cruze LTNorth Chesterfield27AllstateStandard$260/mo.$188/mo.
February 13, 2021Nissan Versa SNorfolk40KemperCurrent$228/mo.$193/mo.
August 3, 2021Dodge Durango SLTNorfolk24ElectricCustom$245/mo.$203/mo.
If you’re looking for the most affordable car insurance in Virginia, using an insurance comparison app to view quotes from multiple providers is the way to go.

Cheapest minimum coverage car insurance in Virginia

The minimum required insurance coverage varies depending on your state laws. Virginia requires that all drivers have at least the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident
  • $20,000 uninsured motorist property damage per accident with $200 deductible for hit-and-run accidents
Car insurance in Virginia is not mandatory, however, uninsured drivers can be expected to pay a $500 yearly fee called an Uninsured Motor Vehicle Fee (UMF). This doesn’t provide any insurance and drivers who opt to pay the UMF can be on the hook for damages if an accident should occur.
In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Virginia:
Before Jerry
After Jerry
$2,583$1,406
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Additional coverages you might want to consider when shopping for car insurance in Virginia

Risk factorCoverage to consider
High percentage of uninsured driversWith 10% of Virginia drivers uninsured or underinsured, bumping up your uninsured motorist coverage from the required minimums can offer peace of mind in the event of an accident.
Severe weatherSevere weather like storms and flooding can affect Virginia, and protecting your car from physical damage with comprehensive insurance can be a smart move.
Minimum liability and uninsured motorist insurance is a must have in Virginia—but if you can afford it, securing more comprehensive coverage for your vehicle is a good idea

Best carriers for minimum coverage car insurance in Virginia

Virginia has some pretty thorough requirements for mandatory insurance, and failing to purchase the appropriate coverage has significant repercussions. Potential penalties include a $500 fine, suspension of your driver’s license and plate, and a class 3 misdemeanor conviction.
When rates are as affordable as they are in Virginia, the risk just isn’t worth it.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Virginia:
Insurance Company
Before Jerry
After Jerry
Nationwide$1,260$936
Allstate$2,051$1,095
National General$2,501$1,344
Progressive$2,571$1,420
Kemper$3,260$1,671

Cheapest full coverage car insurance in Virginia

Even though the minimum insurance required in Virginia seems fairly thorough, it’s a good idea to secure more complete coverage if you can afford it.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$3,610$2,777
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Best carriers for full coverage car insurance in Virginia

No matter what coverage you’re looking for, you’ll find it with most insurance providers. Comparing rates can help you find the more affordable premium.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Virginia:
Insurance Company
Before Jerry
After Jerry
State Auto$2,420$1,670
Nationwide$2,594$1,780
Safeco$4,209$2,118
Allstate$4,044$2,493
National General$3,833$2,567
Progressive$3,766$3,010
Travelers$5,666$5,156
While the minimum coverage is sufficient to drive legally in Virginia, securing additional protection will provide peace of mind and protect you financially in the event of an incident.

Cost to insure your car in Virginia by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Accidents are the leading cause of death for Virginia teens ages 16 through 19. In 2019 alone, the Virginia DMV reported 17,600 accidents involving teenage drivers, resulting in 9,200 injuries and 65 deaths.
This added risk is a major part of what makes rates for young drivers so expensive.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,998$2,012
21-24$2,641$1,660
25-34$2,346$1,446
35-44$2,423$1,526
45-54$2,273$1,296
55-64$1,743$1,099
65+$2,231$1,519
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Cost of insurance for drivers in Virginia with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Less severe offenses may stay on your driving record for 3–5 years, while serious violations can stick with you for more than a decade—all the while affecting your rates, since you’re considered a high-risk driver.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,567$1,642
Open Container$3,108$1,009
Vehicle Theft$1,642$1,161
Wrong Way/Wrong Lane$1,704$1,252
Eluding Police$2,382$1,272
Leaving scene of an Accident/Hit and Run$1,651$1,342
Illegal Turn$2,286$1,700
Speeding over 15$2,917$1,888
Speeding under 15$3,113$1,907
DUI$2,782$1,954

Best carriers for drivers with infractions in Virginia

Insurance Company
Before Jerry
After Jerry
Nationwide$2,444$1,538
Allstate$2,839$1,763
National General$2,821$1,796
Progressive$2,880$1,854
State Auto$2,673$1,938
Kemper$2,948$1,989
Travelers$3,270$2,494
Safeco$3,599$2,572
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Cost of insurance for young drivers in Virginia with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Insurance companies must cover themselves for the increased risk, and they do so through high premiums.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,213$2,061
Open Container$3,108$1,009
Wrong Way/Wrong Lane$1,680$1,188
Seat Belt$1,968$1,208
Illegal Turn$2,511$1,739
Driving on Sus. License$4,044$2,029
Speeding under 15$3,483$2,171
Speeding over 15$3,289$2,371
Defective Equipment$3,903$2,389
Improper Passing$4,286$2,438
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Virginia, check out these top carriers.

Best carriers for young drivers with infractions in Virginia

Insurance Company
Before Jerry
After Jerry
Allstate$3,099$1,952
Nationwide$3,084$2,030
Progressive$3,452$2,145
Kemper$3,477$2,149
National General$3,761$2,302
Travelers$3,238$2,448
State Auto$3,021$2,483
Safeco$4,121$3,033
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Virginia

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Virginia.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
It’s fairly easy to qualify for insurance discounts in Virginia, though you may need to ask your insurance company about which ones you qualify for.
Discount typeWho is eligible?
Accident-free discountMaintaining an accident-free record for three years may qualify you for a discount. The discount may increase over time if the record remains free of chargeable accidents.
Driver education discountUnder Virginia state law, all drivers who complete an approved driver’s education course are eligible for a discount.
Multiple vehicle discountIf you insure more than one vehicle from the same household under the same policy with the same insurer, you could be eligible for a fairly significant discount.
Good student discountDiscounts of up to 20% may be available to full-time students who maintain an average of at least a B.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Virginia?

Believe it or not, the type of car you drive can be an important factor in your insurance rate. Vehicles like the Honda Accord, which is the most popular car in Virginia, are far more affordable to insure than sports cars or luxury vehicles.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Chevrolet Equinox LT$2,061$1,287
Ford Focus SE$1,867$1,060
Honda Civic EX$1,724$1,030
Nissan Altima 2.5$2,887$1,735
Nissan Versa S$1,929$1,090
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Cheapest car insurance in Virginia by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
There are a couple of key reasons why insurance premiums remain fairly low in Virginia. The state has a healthy amount of competition among insurance providers. A more saturated market helps keep rates affordable for everyone.
The cost for auto repair in Virginia is also quite low, which means insurance payouts are reasonably low and premiums don’t have to rise to compensate.
City
Before Jerry
After Jerry
Richmond
$2,671$1,746
Norfolk$3,280$2,221
Virginia Beach
$2,879$1,809
Newport News
$3,361$2,041
Woodbridge$3,250$1,974
Fairfax
$2,414$1,484
Alexandria
$2,436$1,720
Hampton$2,982$1,866
Fredericksburg$2,527$1,484
Arlington$2,353$1,402

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

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