Key Takeaways
- Dairyland, Progressive and Trexis offer some of the cheapest car insurance in Virginia.
- The average cost of car insurance in Virginia is around $200 per month.
- You can get cheap car insurance by comparing quotes from multiple insurers.
Insurance companies like Dairyland, Progressive and Trexis offer some of the cheapest car insurance in Virginia, according to real quotes for Jerry customers. But you’ll find the most affordable policy by shopping around and comparing quotes from insurers.
Here are the cheapest companies in Virginia for full and minimum coverage, plus by age, driving history and credit score.
Cheap liability car insurance in Virginia
Liability-only car insurance, or “minimum coverage” is the absolute cheapest auto insurance you can get, but it covers only others’ injuries and property damage if you cause a wreck.
Here are the five cheapest car insurance companies in Virginia for Jerry customers with liability-only coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $56 | $677 |
| Trexis | $74 | $891 |
| Commonwealth Insurance | $91 | $1,088 |
| Assurance America | $118 | $1,411 |
| Progressive | $139 | $1,664 |
| Dairyland | $140 | $1,680 |
| First Acceptance | $188 | $2,255 |
| Bristol West | $202 | $2,418 |
| The General | $245 | $2,940 |
| National General | $290 | $3,478 |
Virginia car insurance requirements
The state of Virginia increased the required liability limits to legally drive this year. These new requirements, which became effective Jan. 1, are:
- $50,000 for bodily injury or death of one person.
- $100,000 for bodily injury or death of two people.
- $25,000 for damage to other people’s property.
Prior to July 1, 2024, Virginia drivers could legally opt out of having car insurance by paying a $500 annual fee, but this is no longer allowed. All drivers must now have proof of insurance to legally drive. Uninsured drivers could face penalties like lost driving privileges, car registration suspension and fines.
Cheap full coverage car insurance in Virginia
Full coverage pays for damage to your own car, something minimum coverage does not cover, which is why it’s typically more expensive. These are the five cheapest auto insurance companies in Virginia for full coverage, based on real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Grange | $107 | $1,289 |
| Safeco | $213 | $2,551 |
| Progressive | $255 | $3,057 |
| National General | $263 | $3,156 |
| Assurance America | $281 | $3,367 |
| Aspire Advantage | $284 | $3,411 |
| Electric | $326 | $3,906 |
| Clearcover | $327 | $3,923 |
| Embark General | $370 | $4,442 |
| Dairyland | $411 | $4,932 |
Minimum liability vs. full coverage in Virginia
If you choose liability-only coverage, your auto insurance policy will cover only others’ injuries and property damage you cause in an accident, up to your policy limits. Damage to your own car won’t be covered.
Full coverage pays for damage to your own car, regardless of who caused the crash.
If you have a loan or lease on your vehicle, the lender will require
Full coverage in Virginia includes the state’s minimum liability requirements, plus collision and comprehensive coverage.
Here’s a breakdown of what these types of insurance cover:
- Liability insurance: Covers the costs of injuries or property damage you cause in an accident.
- Collision coverage: Pays for repairs to your vehicle from an accident, regardless of who is found responsible. This coverage typically has a deductible.
- Comprehensive coverage: Pays for damage to your car caused by non-collision events like weather-related incidents and theft.
Be sure to research the differences between liability and full coverage before deciding which is best for you.
Average car insurance costs for young drivers in Virginia
Young drivers typically pay more for car insurance than older drivers. That’s because they have less experience on the road and may be more likely to cause a crash.
Here are average car insurance costs in Virginia for young drivers between the ages of 18 to 24, according to real quotes for Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $454 | $5,449 |
| 21-24 | $361 | $4,337 |
Cheap liability car insurance in Virginia for a 20-year-old
Liability-only car insurance will likely be the cheapest option for 20-year-old drivers. Here are the five most affordable car insurance companies in Virginia for 20-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Electric | $264 | $3,169 |
| Dairyland | $265 | $3,180 |
| Trexis | $276 | $3,317 |
| National General | $321 | $3,846 |
| Progressive | $336 | $4,029 |
Cheap full coverage in Virginia for a 20-year-old
These are the five cheapest auto insurance companies in Virginia for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Root | $514 | $6,170 |
| Progressive | $516 | $6,193 |
| Dairyland | $596 | $7,149 |
| Electric | $609 | $7,306 |
| Trexis | $624 | $7,488 |
Average auto insurance costs for mature drivers in Virginia (25-54)
As drivers get older their car insurance costs typically go down. That’s because they have more experience on the road and insurers don’t view them as risky to insure as younger drivers.
Here are average car insurance costs in Virginia for drivers between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $263 | $3,156 |
| 35-44 | $230 | $2,755 |
| 45-54 | $208 | $2,498 |
Cheapest liability car insurance in Virginia for a 35-year-old
Here are the five cheapest companies in Virginia for a 35-year-old with minimum coverage, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $94 | $1,130 |
| National General | $123 | $1,475 |
| Electric | $138 | $1,658 |
| Assurance America | $139 | $1,663 |
| Gainsco | $140 | $1,683 |
Cheapest full coverage in Virginia for a 35-year-old
Below are the five cheapest auto insurance companies in Virginia for 35-year-old drivers with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $234 | $2,812 |
| Assurance America | $262 | $3,139 |
| National General | $266 | $3,195 |
| Safeco | $269 | $3,231 |
| Electric | $289 | $3,466 |
Average car insurance costs for older drivers in Virginia (55+)
The cost of car insurance typically reaches its lowest for drivers around the age of 55, but tends to creep back up for drivers over 65.
Here are average car insurance rates for Virginia drivers over the age of 55.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $180 | $2,164 |
| 65+ | $203 | $2,436 |
Cheapest liability car insurance in Virginia for a 65-year-old
These are the five cheapest auto insurance companies in Virginia for a 65-year-old driver with minimum coverage, according to Jerry data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $102 | $1,221 |
| Progressive | $128 | $1,535 |
| Assurance America | $129 | $1,554 |
| Gainsco | $137 | $1,644 |
| National General | $158 | $1,894 |
Cheapest full coverage in Virginia for a 65-year-old
Below are the five cheapest car insurance companies in Virginia for 65-year-old drivers with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $142 | $1,709 |
| Progressive | $164 | $1,966 |
| Assurance America | $167 | $2,006 |
| Safeco | $197 | $2,359 |
| Bristol West | $242 | $2,905 |
Cheapest car insurance in Virginia by driving history
Your driving record is an important factor in determining how much you’ll pay for an auto policy. Drivers with clean records typically pay less than those with violations like a speeding ticket or an at-fault accident.
Cheap car insurance for drivers with clean records in Virginia
These are the five cheapest insurers in Virginia for drivers with clean records, according to quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $91 | $1,088 |
| Grange | $107 | $1,289 |
| Anchor General | $142 | $1,700 |
| Safeco | $166 | $1,991 |
| National General | $168 | $2,010 |
Cheapest car insurance with a speeding ticket in Virginia
Below are the five cheapest auto insurance companies in Virginia for drivers with a speeding ticket..
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $187 | $2,246 |
| Bluefire | $198 | $2,377 |
| National General | $221 | $2,656 |
| Progressive | $241 | $2,892 |
| Electric | $258 | $3,095 |
Cheapest car insurance after an at-fault accident with no injury in Virginia
These are the five cheapest car insurance companies in Virginia for drivers with an at-fault accident with no injury on their record, according to Jerry data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $101 | $1,214 |
| Anchor General | $157 | $1,883 |
| Bluefire | $198 | $2,377 |
| Safeco | $225 | $2,698 |
| National General | $237 | $2,839 |
Cheapest auto insurance after an at-fault accident with injury in Virginia
Below are the five cheapest car insurance companies in Virginia for drivers with an at-fault accident with injury on their record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $83 | $1,000 |
| Progressive | $177 | $2,124 |
| National General | $200 | $2,405 |
| Electric | $268 | $3,216 |
| Gainsco | $369 | $4,424 |
Cheapest car insurance with a DUI in Virginia
These are the five cheapest companies after a DUI in Virginia, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $136 | $1,629 |
| National General | $160 | $1,918 |
| Gainsco | $170 | $2,034 |
| Dairyland | $187 | $2,245 |
| Assurance America | $243 | $2,921 |
Average auto insurance costs for Virginia drivers with other violations
Here are the average car insurance costs for other violations in Virginia.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $362 | $4,338 |
| Cell Phone | $288 | $3,459 |
| Defective Equipment | $215 | $2,578 |
| Driving on Sus. License | $235 | $2,822 |
| Failure to Obey Traffic Sign | $276 | $3,310 |
Cheapest auto insurance for low credit scores in Virginia
Your credit score can have a big impact on how much you pay for auto coverage. Drivers with low scores tend to pay more than those with higher scores.
These are the five cheapest car insurance companies for Virginia drivers with a credit score of below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $179 | $2,147 |
| National General | $213 | $2,555 |
| Assurance America | $224 | $2,692 |
| Embark General | $225 | $2,704 |
| Progressive | $246 | $2,957 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Virginia
Don’t assume that your current insurer is offering you the cheapest possible rate when your policy renews. The best way to find cheap car insurance in Virginia is to compare quotes from multiple insurers at least once per year. And be sure to ask about discounts.
Factors that determine your car insurance premium
Rates vary widely between drivers, so what you pay for car insurance may not be what your friend or neighbor pays.
Insurers in Virginia use multiple variables to determine a driver’s risk profile, including:
- ZIP code.
- Age.
- Driving record.
- Claims history.
- Marital status.
- Vehicle type.
- Deductible.
- Credit score.
FAQs
-
Do you have to have car insurance in Virginia?
-
Do you need insurance to register a car in Virginia?
-
What’s the average car insurance cost in Virginia?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
