Cheapest Insurance in Virginia 2021

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  • Find cheapest car insurance Virginia
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
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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Find the cheapest car insurance in Virginia with Jerry

Insurance rates vary depending on everything from your personal profile and driving history to where you live and what you drive. Even the weather in your state can make a difference!
Shopping around and comparing rates from different insurance companies can provide you with peace of mind that you’re getting the coverage you need at the best price.
Here’s how much Jerry customers were paying for car insurance in Virginia before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Virginia with Jerry

Insurance Company
Before Jerry
After Jerry
Nationwide$2,345$1,425
Gainsco
$3,457$1,537
Allstate$2,622$1,596
Dairyland
$3,317$1,622
Clearcover
$2,568$1,623
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
Remember, the minimum insurance coverage is a requirement, not a recommendation. 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
$2,598$1,386
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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$2,430$908
State Auto
$1,200$1,002
Allstate$2,051$1,095
National General
$2,410$1,319
Progressive$2,579$1,413
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
$3,496$2,554
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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
$1,440$1,327
Nationwide$3,139$1,692
Safeco$3,712$1,986
Allstate$3,914$2,247
Progressive$3,187$2,475
National General
$3,833$2,567
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$3,023$2,032
21-24$2,632$1,633
25-34$2,327$1,440
35-44$2,380$1,518
45-54$2,235$1,269
55-64$1,754$1,110
65+$2,275$1,677
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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$2,511$1,622
Open Container$2,563$1,007
Wrong Way/Wrong Lane$1,704$1,252
Leaving scene of an Accident/Hit and Run$1,649$1,329
Vehicle Theft$1,931$1,455
Illegal Turn$2,186$1,604
Eluding Police$2,507$1,649
Speeding over 15$2,772$1,867
Speeding under 15$3,032$1,869
Failure to Obey Traffic Sign$2,831$1,875

Best carriers for drivers with infractions in Virginia

Insurance Company
Before Jerry
After Jerry
Nationwide$2,424$1,497
Allstate$2,820$1,757
Progressive$2,851$1,830
National General
$2,809$1,860
State Auto
$2,731$1,994
Kemper
$3,112$2,187
Travelers$3,101$2,362
Safeco$3,533$2,586
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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$3,192$2,053
Open Container$2,563$1,007
Wrong Way/Wrong Lane$1,680$1,188
Seat Belt$1,968$1,208
Illegal Turn$2,183$1,333
Speeding under 15$3,526$2,135
Failure to Obey Traffic Sign$3,180$2,284
Defective Equipment$3,751$2,308
Driving on Sus. License$4,228$2,368
Speeding over 15$3,322$2,384
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$3,024$1,910
Nationwide$3,268$1,988
Progressive$3,411$2,134
State Auto
$3,228$2,271
National General
$3,724$2,281
Travelers$3,224$2,446
Kemper
$3,950$2,735
Safeco$4,092$3,074
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$2,093$1,260
Ford Focus SE$1,867$1,060
Honda Civic LX$1,707$1,015
Honda Civic EX$1,800$1,066
Kia Sorento LX$3,432$1,726
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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
Blacksburg$1,657$1,151
Ashburn$2,107$1,268
Arlington$2,368$1,387
Fredericksburg$2,546$1,454
Dumfries$2,227$1,504
Lynchburg$2,690$1,665
Richmond$2,562$1,675
North Chesterfield$2,712$1,717
Hampton$2,761$1,757
Newport News$3,286$1,964

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.

Browse questions from our car experts

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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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