How to find the cheapest car insurance quotes in Virginia
On average, most Virginia drivers pay approximately $61 per month, or $733 annually for a liability-only policy. For full coverage, these prices can rise to $130 per month, or $1,564 per year.
However, it’s important to remember that these numbers are just averages—every Virginia driver is unique, and so are their premiums.
To find the best rates, you need to compare quotes from many auto insurance companies. Your personal driver profile and your coverage needs will determine which company is best for you.
Many Virginia drivers have found affordable coverage with help from the Jerry Insurance Agency, which aggregates quotes to help drivers pick the best policy.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Progressive | $207 | Nicholas, 24, Henrico, VA | Toyota Camry Hybrid | 100/300 | No |
| Trexis | $155 | Tyler, 32, Glen Allen, VA | Chevrolet Cruze Lt | 50/100 | No |
| Electric | $113 | Estelle, 25, Richmond, VA | Ford Fusion S | 30/60 | No |
| Electric | $473 | Polly, 30, Richmond, VA | Kia Optima Lx | 50/100 | Yes |
| Electric | $509 | Chris, 25, Hopewell, VA | Hyundai Sonata Se | 50/100 | Yes |
Cheapest car insurance companies in Virginia
There’s no one insurance company that guarantees the best car insurance (and lowest rate) for every single driver—but there are insurers out there who may have the cheapest rate for you.
Jerry experts performed an extensive survey on insurance shopping, covering everything from rates to providers and the key factors that can impact your premium. Here’s the data.
State Farm and USAA tend to offer the lowest premiums in Virginia, but you may not be eligible for the best of these rates. The most common insurance companies in Virginia are State Farm, USAA, Progressive, Allstate, and Nationwide, but only State Farm’s rates are lower than the state average.
Here’s a look at some real reviews from Virginia drivers about their insurance companies.
| Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Travelers | November 1, 2024 | 5 | “I love being able to click on an app and ask a question and get answers quickly! “ -Alfred |
| Assurance America | October 26, 2024 | 4 | “Kia soul is not a good car to own when switching Insurance providers. Not now.” -Jim |
| AAA | October 21, 2024 | 5 | “So far great, was my first time insuring my car, great service. Above and beyond. “ -Myra |
| Dairyland | October 20, 2024 | 5 | “dairy land is cheep and easy to use and there so nice and helpful. they helped me so much when i got my car a week ago.” -Martha |
| Bristol West | October 18, 2024 | 5 | “Bristol West offers me everything I could want and need when it comes to my car insurance and at very low cost.” -Sara |
There’s a simple technology for finding cheap car insurance: a comparison app like Jerry.
Jerry’s user-friendly app is designed with the specific goal of helping drivers easily compare car insurance quotes and navigate policy sign-ups. Virginia drivers get dedicated support from Jerry’s licensed insurance agents from start to finish.
Minimum liability and full coverage insurance requirements in Virginia
Virginia laws require all drivers to carry minimum liability insurance of 30/60/20, including property damage liability and bodily injury liability coverage.
Drivers must also carry uninsured motorist coverage to at least the same limits.
Cheapest minimum liability coverage car insurance quotes in Virginia
Let’s break down the minimum required liability coverage in Virginia:
- $30,000 per person of bodily injury liability coverage
- $60,000 per accident of bodily injury liability coverage
- $20,000 per accident of property damage liability
But that’s not all—just over 10% of Virginia drivers are uninsured. That’s why Virginia also requires uninsured motorist (UM) coverage with the same levels of protection as liability coverage. Underinsured coverage is similar, but it kicks in when the person doesn’t have enough coverage.
Virginia is an at-fault state. If you get into an accident with a driver who does not have insurance, you’ll have no recourse for coverage with liability-only coverage. But with UM coverage, you’re safe.
Here are the required coverage levels for UM in Virginia:
- $30,000 in uninsured motorist bodily injury per person
- $60,000 in uninsured motorist bodily injury per accident
- $20,000 in uninsured motorist property damage per accident
Under the Virginia state code, no driver is exempt from these requirements. When combined together, a minimum liability policy in Virginia costs around $733 per month—which is 92% cheaper than the national average.
But despite this lower than average cost, drivers can still find affordable minimum liability and uninsured motorist coverage in Virginia with help from Jerry—like the drivers below.
Do you need more than minimum coverage in Virginia?
You won’t be breaking any laws if you stick with the minimums, but higher limits offer more protection in the event of a serious car accident.
Consider the costs after a major crash. From medical expenses to car replacement fees, you could be sued for hundreds of thousands of dollars if you cause a crash. Virginia’s minimum coverage may not cover all these fees—which means you’d be on the hook.
It’s smart to get as much liability coverage as you can afford, and the extra protection may not cost you as much as you think. Check out some sample rates below.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase full coverage.
Cheapest full coverage car insurance quotes in Virginia
Did you know that liability coverage only protects other people? Full coverage is the only way to protect yourself and your car, whether from storm damage or traffic accidents.
A full coverage policy includes comprehensive and collision coverage.
Collision coverage: If your car is damaged in a collision, this coverage will pay for repairs.
Comprehensive coverage: If you suffer non-collision damage—like theft, storm damage, or vandalism—this coverage will kick in.
A lender can require you to carry full coverage on a financed vehicle. That’s because they want to protect their investment while it’s being paid off. Make sure you consult with your lender before selecting an insurance policy in Virginia.
The average cost of a full coverage policy in Virginia is approximately $1,564 per year—but drivers can save even more by comparing prices. Here’s some of the average rates real Virginia drivers found using Jerry:
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| 100/300 | No | Progressive | $207 | Nicholas, 24, Henrico, VA | Toyota Camry Hybrid |
| 50/100 | No | Trexis | $155 | Tyler, 32, Glen Allen, VA | Chevrolet Cruze Lt |
| 30/60 | No | Electric | $113 | Estelle, 25, Richmond, VA | Ford Fusion S |
| 50/100 | Yes | Electric | $473 | Polly, 30, Richmond, VA | Kia Optima Lx |
| 50/100 | Yes | Electric | $509 | Chris, 25, Hopewell, VA | Hyundai Sonata Se |
Virginia car insurance: Additional coverages
There are a lot of dangers on the road—and there is a policy to protect you against almost every one. Here are some additional coverages available to Virginia drivers:
- Towing and labor coverage
- Rental reimbursement coverage
- New car replacement insurance
- Personal injury protection
- Medical payments (MedPay)
Gap insurance: Financed vehicles are at high risk in total loss accidents. If you still owe money on your loan, and the payout is not enough to cover the amount, gap insurance will cover the gap.
Non-owner car insurance: If you borrow or rent instead of owning your own car, you should consider non-owner car insurance in Virginia. This policy follows the driver, not the car, so you have liability protection wherever you go. It does not protect you or the car, however.
Learn more: Types of insurance
Car insurance premium by rating factors
Insurers are allowed to use your credit score to determine your premium in Virginia. But that’s not the most important factor. While every company has its own method for calculating rates, you should know that every element listed below could impact your bill:
- Your driving record and claims history: A pattern of traffic violations and accidents signals that you’re likely to get into more trouble—and you’ll pay more for coverage.
- Your credit score: If you have good credit (over 750), you’ll get the cheapest rates. Drivers with bad credit pay a lot more for coverage.
- Zip code: If you live in a neighborhood with a ton of commuters and lots of crime, expect to pay more for car insurance.
- Your make and model: Luxury and sports cars come with higher insurance price tags.
- Usage: More frequent usage means higher insurance rates, due to the increase in risk.
Cheapest Virginia car Insurance after a driving violation
Driving violations not only carry fines and legal penalties, but they can drive up the cost of insurance, too. If you have a long list of violations on your record, you’ll be tagged a high-risk driver. You can still find coverage, but your policy will cost more than the average driver’s.
Cheapest car insurance for Virginia drivers with a speeding ticket
Break the speed limits in Virginia and you’ll be penalized according to how high over the speed limit you were traveling. The speeding fines increase by mile increments, not to mention the extremely high fines for reckless driving.
But speeding tickets also matter a lot when it comes to insurance rates for Virginia drivers. On average, Virginia drivers pay 43% more for car insurance after a speeding ticket, with costs rising from $130 per month for full coverage, to $202 per month.
To find affordable coverage with a speeding ticket on your record, turn to Jerry—here’s how we helped other Virginia drivers in your position.
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding 16-20 | Electric | $296 | Willie, 24, Chesapeake, VA | 30/60 | Yes |
| Speeding 1-5 | Electric | $296 | Francis, 27, Richmond, VA | 50/100 | Yes |
| Speeding 16-20 | Trexis | $653 | Bernice, 31, Pamplin, VA | 50/100 | Yes |
| Speeding 1-5 | Assurance America | $180 | Joe, 26, Richlands, VA | 30/60 | No |
| Speeding 6-10 | Gainsco | $124 | Donald, 31, Virginia Beach, VA | 30/60 | Yes |
Cheapest auto insurance in Virginia after a DUI
Virginia considers all intoxicated violations to be DWIs—and the state has strict laws with serious penalties. Any DUI conviction will cause your insurance rates to skyrocket, and some companies might refuse to cover you.
DON’T DRINK AND DRIVE:Your rates in Virginia could increase by 77% after a DUI, raising your insurance premiums to an upwards of $293 per month.
Finding insurance after a DUI can be complicated, but Jerry has helped tons of Virginia drivers.
Virginia SR-22 insurance
After extremely risky driving behavior, the state of Virginia might require you to prove that you can be allowed back on the road. You do this by finding a car insurance company to file an SR-22 or FR-44 form on your behalf.
The SR-22 in Virginia is a form that proves your financial responsibility. The insurance company must file it and there is a small fee, alongside the inflated insurance costs. The FR-44 is required for drivers with a DWI conviction, and insurance costs are much higher.
Keep in mind that an SR-22 filing can raise your premium costs—most drivers with an SR-22 pay an average of $243 per month for full coverage car insurance, increasing costs by 60%.
Here are a few violations that could require you to file an SR-22:
- Reckless driving
- Participating in a hit-and-run
- Driving a car without a driver’s license
- Using fake proof of insurance
- Lying to the DMV
- Driving without insurance
- Committing a felony
Cheapest Virginia auto Insurance after an at-fault accident
The truth is that causing an accident is a clear sign to insurance providers that you’re a risky driver. After an at-fault accident, your rates could climb as high as 65%. But it’s also true that you can still shop around to find a good rate—and Jerry can help. Here are some sample insurance rates for Virginia drivers who have at-fault accidents on record.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | National General | $134 | Jerry, 57, Clintwood, VA | 50/100 | Yes |
| At Fault With No Injury | Electric | $301 | Jeremy, 29, Alexandria, VA | 50/100 | Yes |
| At Fault With Injury | Gainsco | $181 | Randall, 37, Manassas, VA | 30/60 | No |
| At Fault With No Injury | National General | $61 | Birdie, 31, Leesburg, VA | 30/60 | No |
| Not At Fault | Electric | $132 | Beatrice, 54, Newport News, VA | 30/60 | Yes |
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Is Virginia an at-fault state?
Cheapest auto insurance after other violations in Virginia
Breaking even one of Virginia’s traffic laws could have a negative impact on your rates. Yes, even following too closely behind another vehicle could go on your record.
Check out this list of common traffic violations in Virginia, and see how they affect car insurance rates.
| Violation | Annual Premium for State Minimum Coverage |
|---|---|
| Failure to Obey Signal, Stop, or Yield | $165 |
| Wrong Way / Wrong Lane | $171 |
| Improper Passing | $176 |
| Driving on a Suspended License | $188 |
| Careless/Reckless Driving | $232 |
How to find cheap Virginia car insurance after a car insurance lapse
If you don’t maintain car insurance coverage consistently, the companies will see a lapse in coverage on your record. That’s a big red flag, and gaps in coverage usually trigger an increase in your premium.
Once drivers have a coverage lapse on their insurance history, their car insurance rates generally increase by an average of 64% at renewal or reinstatement.
Jerry customers benefit from regular reminders to avoid lapses in coverage. We also help people with lapses find coverage again, like the Virginia drivers below.
Cheapest Virginia car insurance for drivers with poor credit
While credit has nothing to do with your driving habits, data shows that people with poor credit tend to file more insurance claims. So if your credit score is under 600, you can expect to be charged a higher rate for coverage in Virginia.
Here’s some of the average rates for drivers with poor credit in Virginia:
| Credit Score | Average monthly insurance premium |
|---|---|
| <600 | $132 |
| 601-699 | $121 |
How to find cheap auto insurance in Virginia for your age
Very old and very young drivers face higher than average rates in Virginia. Older drivers face more risks in an accident, and younger drivers have less experience behind the wheel. If you’re younger than 25 or older than 75, you’ll pay more for coverage in Virginia.
Cheapest Virginia car insurance for young drivers
More specifically, teen drivers in Virginia under the age of 19 or with a provisional license will pay the absolute highest rates for coverage. This is one reason why we recommend full coverage for any young driver, especially if they’re driving a newer vehicle.
Teen drivers in Virginia pay an average of $305 per month for full coverage car insurance, and $227 per month for the state minimum. On the other hand, drivers between the ages of 18 and 21 pay a little less, shelling out approximately $278 per month for full coverage, and $179 per month for liability-only policies.
Rates generally drop once drivers turn 25, but until then, young drivers can find cheap car insurance by comparing rates. Here are some real-life examples of young drivers in Virginia who got insurance through Jerry.
Cheapest Virginia car insurance for senior drivers
Golden years come with golden price tags, unfortunately. Senior drivers are more vulnerable to serious injuries in a car accident, which is why car insurance companies charge them more for coverage.
As a result, senior drivers tend to pay an average of $58 per month for the state minimum coverage, and $88 per month for full coverage. However, once drivers turn 65, their rates shift again. Although the average rate for minimum protection lowers to $54 per month, full coverage costs increase to $94 per month.
Take a look at some of the rates real senior policyholders found using Jerry.
Cheapest car insurance for popular cars
The car you drive has a big influence on how much you pay for coverage. A souped up Range Rover should cost more to insure than a practical Camry, right?
Here are some of the average rates for some of the most popular vehicles in Virginia:
| Vehicle | Average monthly cost |
|---|---|
| Honda CR-V | $98 |
| Toyota RAV4 | $116 |
| Honda Civic | %112 |
| Honda Accord | $106 |
Check out the table below to see real quotes Jerry customers have gotten for their popular car models.
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Honda Accord Sport | National General | $115 | Della, 28, King George, VA | 50/100 | Yes |
| Toyota Rav4 Limited | National General | $116 | Bill, 25, Norfolk, VA | 30/60 | No |
| Honda Accord Ex-L | Gainsco | $237 | Belle, 31, Alexandria, VA | 30/60 | No |
| Honda Civic Lx | Progressive | $170 | Edward, 22, Virginia Beach, VA | 50/100 | No |
| Honda Accord Sport | Progressive | $210 | Tommy, 47, North Chesterfield, VA | 50/100 | Yes |
Learn more: How to get car insurance before buying a car
Car insurance cost for new vs. old car
Newer cars cost more to insure, in general. If you drive a car older than 10 years old, you can save a ton of money on insurance. But if you’re determined to drive a brand new car, expect top-notch premiums.
Virginia cheapest car insurance by location
Someone in Richmond shouldn’t pay the same as someone in Virginia Beach, right? Zip codes are a key determinant in car insurance premiums. Your neighborhood has a unique risk profile, from traffic accident rates to crime statistics.
Below are the average costs of car insurance for the least expensive ZIP codes in Virginia:
| Least Expensive Zip Codes | Average monthly insurance premium |
|---|---|
| 22802 | $21 |
| 23102 | $25 |
| 23040 | $29 |
| 24579 | $32 |
| 22952 | $33 |
Below are the average costs of car insurance for the most expensive ZIP codes in Virginia:
| Most Expensive Zip Codes | Average monthly insurance premium |
|---|---|
| 24347 | $233 |
| 23342 | $247 |
| 24369 | $330 |
| 22308 | $340 |
| 24112 | $395 |
If you’re looking for even lower rates, check out these examples of how Jerry Insurance Agency has helped drivers across Virginia.
How to lower the cost of car insurance in Virginia
Virginia drivers can unlock savings by following these helpful tips, from getting discounts to adjusting your coverage.
Tips to cut costs and find cheap auto insurance:
- Get quotes from insurance providers every six months before you sign up for a policy.
- Ask about car insurance discounts, like a good drivers discount.
- Raise your deductible, if your budget allows it.
- Bundle your car insurance with home or renters coverage to save.
- If you drive an older car, consider removing collision and comprehensive coverage.
- If you have any duplicate coverages, remove them (like towing and labor if you have AAA).
Why does car insurance cost this much in Virginia
Virginia car insurance is pretty affordable, compared to the national rate. However, premiums could be on the rise due to these factors:
- Cost of car parts
- Traffic accident rates
- Rising medical costs
Remember that your coverage limits and coverage types impact your cost, too. You can go beyond the car insurance requirements of the state, if you like, but you’ll pay more for the extra protection.
FAQ
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Do you need car insurance in Virginia?
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How much is car insurance in Virginia?
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What are the minimum requirements for car insurance in Virginia?
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What happens if you don’t have car insurance in Virginia?
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What is the cheapest car insurance in Virginia?
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Why is car insurance going up in Virginia?
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Is it illegal to not have car insurance in Virginia?
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Do you need insurance to register a car in Virginia?
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Does insurance follow the car or the driver in Virginia?
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Can you have out of state car insurance in Virginia?
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Is PIP required in Virginia?
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Can you have both PIP and MedPay in Virginia?
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
