Call a licensed agent: 833-964-9663

Cheap car insurance in Virginia

In Virginia, the average cost of car insurance is $1,636 a year and Main Street America, Erie Insurance, and State Farm are among the best and cheapest car insurance companies. You may find that another company is better for you based on your profile, vehicle, and coverage needs.

Written by Alyssa DiCrasto

Reviewed by Rob Deming Shield check

Last updated: September 22nd, 2023 

Fetch the best rates for the right coverage, no sign up required!

How much is car insurance in Virginia?

Car insurance costs $1,636 per year on average in Virginia. This is -20.20% than the national average of $2,049 a year.

However, the cost of Virginia car insurance can vary by a number of factors, such as the level of car insurance you need, the kind of vehicle you drive, and your profile.

These are the average prices a 35-year-old male driving a 2023 RAV4 would pay annually for state minimum coverage, standard coverage, and premium coverage in Virginia. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Car insurance rates across Virginia

The zip code you live in also impacts your car insurance rates. In Virginia, the most expensive zip code to purchase insurance is Norfolk, VA 23503 while the least expensive zip code is Harrisonburg, VA 22801. This map shows the average cost of car insurance across Virginia. 

{featuredImageAltText}

Car insurance in popular cities in Virginia

Click on one of the popular cities in Virginia below to explore the average cost of car insurance, rates by factor, and local agents in your specific city.

Alexandria,Annandale,Arlington,Ashburn,Centreville,Chantilly,Charlottesville,Chesapeake,Chesterfield,Fairfax,Falls Church,Fredericksburg,Glen Allen,Hampton,Harrisonburg,Henrico,Herndon,Leesburg,Lynchburg,Manassas,Mc Lean,Mechanicsville,Midlothian,Newport News,Norfolk,Portsmouth,Reston,Richmond,Roanoke,Springfield,Stafford,Sterling,Suffolk,Vienna,Virginia Beach,Williamsburg,Winchester,Woodbridge
Virginia
VA

Car insurance in Virginia at a glance

These numbers represent average rates across Virginia. Remember that you may find that another company is better for you based on your profile, vehicle, and coverage needs. 

$1,636

average annual premium

-20.20%

than the national average

Save 18%

with excellent credit

Save 27%

when married

Trophy

Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Virginia car insurance requirements

Virginia does not require car insurance coverage. However, drivers without car insurance in Virginia are personally responsible for paying medical bills or property damage expenses due to a car accident. Because of this, many drivers choose to get cheap car insurance in Virginia.

If you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in Virginia.

Minimum car insurance requirements – Virginia

Bodily Injury Liability – $25,000 limit per person/$50,000 limit per accident

Property Damage Liability – $20,000 limit

Uninsured Motorist Coverage – $25,000 limit per person/$50,000 limit per accident

Underinsured Motorist Coverage – Grouped with uninsured motorist coverage

The cheapest car insurance companies in Virginia

Main Street America, Erie Insurance, and State Farm are the leading insurance providers in Virginia that offer the cheapest full coverage car insurance policies on average.

It’s important to note that while we have determined the top three companies based on their average affordability for full coverage policies in Virginia, you may find that other insurance providers will offer you cheaper rates based on your unique driver profile. It’s important to compare personalized rates from multiple insurers to find the best coverage and price combination for your specific needs.

1. Main Street America

{featuredImageAltText}

Main Street America Insurance is a reputable insurance company with an AM Best rating of A . They offer a range of insurance products and discounts, including Good driver and student discounts, as well as Multi-policy discounts. To ensure customers have the right protection, Main Street America Insurance encourages policyholders to talk to an independent insurance agent. By working with an independent agent, customers can receive personalized guidance and feel confident in their insurance coverage. With a commitment to customer satisfaction, Main Street America Insurance strives to provide reliable protection and exceptional service to its policyholders.

2. Erie Insurance

{featuredImageAltText}

Erie Insurance, the 13th largest insurance company in the US based on market share, has consistently provided excellent service since 1925. With an impressive AM Best rating of A , Erie Insurance offers a wide range of coverage options to meet the diverse needs of its customers. They provide various discounts, including Payment in full and Vehicle safety features discounts. With a remarkable customer retention rate, with over 90% of Erie’s customers staying year after year, Erie Insurance takes pride in its dedicated team of over 13,000 knowledgeable agents who are always ready to provide personalized assistance. In recognition of their commitment to excellence, Erie Insurance was named one of the Best Insurance Companies by Forbes in 2022.

3. State Farm

{featuredImageAltText}

State Farm is the leading insurance company in the United States, holding the number 1 spot based on market share. With an impressive AM Best rating of A , State Farm provides reliable coverage to their policyholders. They offer a wide range of discounts, including Good driver, Good Student, Multi-Policy, and Multi-Vehicle discounts, allowing customers to save on their premiums. State Farm’s bundle policies can save policyholders as much as $1,127, providing significant cost savings. With a vast network of over 19,000 insurance agents, State Farm ensures personalized service and support for their customers. State Farm is committed to offering exceptional coverage options and dedicated customer service.

Compare car insurance in Virginia by coverage amount

Cheapest full coverage car insurance in Virginia

A full coverage car insurance policy offers more complete coverage. It often includes higher liability coverage limits, personal injury protection, comprehensive insurance, and collision insurance. These additional coverages will help cover any damages you or your vehicle sustains in an accident or non-collision incident.

On average, a full coverage policy in Virginia is $1,636 for an annual policy.

These are the average prices a 35-year-old male driving a 2023 RAV4 would pay for a premium full coverage policy ($100k/$300k/$100k with a $500 deductible) at each of the top insurance companies in Virginia. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Cheapest minimum car insurance in Virginia

A minimum car insurance policy in Virginia includes liability insurance. The required limits are: $25,000 per person/$50,000 per accident for bodily injury liability and $20,000 limit for property damage liability. Uninsured/underinsured motorist coverage is required to cover medical expenses in an accident when the other driver is at fault but doesn’t have any car insurance. Virginia minimum coverage only covers damages you cause to others and their property in an accident. It does not include collision or comprehensive, which cover damages to your own property in an accident you cause.

On average, the cost for a minimum car insurance policy in Virginia is $814 a year, which is 50% less than the average cost of car insurance.

These are the average prices a 35-year-old male driving a 2023 RAV4 would pay annually for state minimum coverage at the top insurance companies in Virginia. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

dig-up-best-rates
Find the best rates in Virginia

Don’t waste time barking up the wrong tree. Confidently choose your next insurance company with RateRetriever.

How to get cheap Virginia car insurance

Virginia may not be the most southern state, but its quaint towns, historic cities, and remarkable neighborhoods boast Southern charm. Virginia offers beautiful coastal towns such as Virginia Beach, Cape Charles, and Colonial Williamsburg for residents and tourists to enjoy.Whether you’re thinking about moving to Virginia or have called it home for a long time, you may consider purchasing car insurance. All drivers are required to carry certain types of auto insurance in Virginia. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Virginia. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Virginia. Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Virginia auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the coverage you need at a price you can afford.

Trophy

Quick

See personalized results in 30 seconds

No spam

No sign-up required

We don’t require your phone number or email to see your results 

Shield check

Reliable results

Results based on data, not paid sponsors

Compare Virginia auto insurance by factor

The state you live in is only one of the factors that may impact your car insurance rate.  Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.  

Factors that can impact your quoted rates include: 

  • Your demographics including your age, home ownership, marriage status, and more 
  • Your driving history including how long you’ve been driving, traffic violations, and more 
  • Your car including make, model, and year 
  • Your zip code, or where you live within your state 
  • How much coverage you want

Virginia auto insurance by age

Age is a significant factor that affects car insurance rates. Generally, younger drivers, particularly teenagers and those in their early 20s, tend to face higher premiums due to a lack of driving experience and higher likelihood of being involved in accidents.

Find cheap car insurance for teenagers >

As drivers gain more experience and reach their mid-20s and 30s, insurance rates typically go down. This is because they have had more time to develop their driving skills and establish a track record of safe driving.

However, as drivers enter their senior years, insurance rates may start to increase again. This is primarily due to factors such as decreased vision, slower reaction times, and potential health issues that can impact driving abilities.

Find cheap car insurance for seniors >

Your specific age will impact your car insurance rates, so it’s always a good idea to compare rates from different insurers to find the most cost-effective coverage for you.

Adding a teenager to your policy in Virginia

The national average cost of car insurance for a teen driver on their own policy is $7,401 a year. Generally, it makes sense for a parent to add their teen driver to their existing policy instead of the teenager buying their own policy.

In Virginia, a teenager on their own insurance policy will pay an average of $8,420 a year. When the parent adds their teen to their policy, they’ll pay 53% less than the two separate policies on average.

Learn more about insuring a teen driver >

Virginia auto insurance by vehicle

The vehicle you drive will also impact your insurance rate. Car insurance providers consider your vehicle’s year, make, model, and trim level to determine your rates. Generally, the higher the value of your car, the more expensive it will be to insure. This means that new cars, electric or hybrid vehicles, and sports cars usually have more expensive insurance than older cars or cars that are less expensive to repair or replace.

The cheapest car to insure among popular 2023 models is the Subaru Outback, while the most expensive is the Tesla Model S.

Find cheap car insurance by vehicle >

Virginia auto insurance by credit score

Insurance companies can use credit score as a rating factor in Virginia. Generally, the better your credit score, the cheaper your rates. In fact, raising your credit score is one way to get cheaper insurance. The national average for a 35-year-old male driver with excellent credit is around $1,510 per year for car insurance, while the average rate for the same driver with good credit is $2,049. Drivers with poor credit pay the highest rate, with a national average premium of around $3,360 per year for the same driver.

In Virginia, drivers with excellent credit can expect to save 18% on car insurance compared to drivers with good credit while those with poor credit pay 125% more on average.

However, if you have bad credit, you may still be able to find affordable insurance.

Learn more about cheap car insurance with bad credit >

Virginia auto insurance by driving record

Since insurance companies assess your driving history to gauge the level of risk you pose as a driver, your driving record will also factor into your car insurance rates. Various factors within your driving record can impact your rates:

  1. Traffic Violations: Insurance providers consider traffic violations such as speeding tickets, reckless driving, running red lights, and DUI/DWI offenses as indicators of risky driving behavior. The more violations you have on your record, generally the higher your insurance rates will be.

  2. Accidents: Being involved in accidents and filing claims can significantly impact your insurance rates. At-fault accidents tend to have a greater impact compared to accidents where you were not responsible. Multiple accidents or a history of frequent claims can lead to higher premiums.

  3. Claims History: Insurance companies review your claims history to evaluate the likelihood of future claims. If you have a record of filing numerous claims, regardless of fault, insurers may consider you a higher risk and increase your rates accordingly.

  4. License Suspensions or Revocations: If your driver’s license has been suspended or revoked due to violations or other reasons, insurance companies may view you as a high-risk driver, resulting in higher premiums.

  5. Time Since Last Incident: Insurance providers often consider the time since your last traffic violation or accident. Generally, the longer you go without any incidents, the more favorable it is for your insurance rates.

Find cheap car insurance for high-risk drivers in Virginia >

Marriage and car insurance rates in Virginia

In general, married drivers who combine their car insurance policies save money. Of course the amount you will save varies based on the number of vehicles you have, your location, and other factors. In Virginia, married couples with two vehicles who combine their policies will save 27% on their car insurance.

Gender and car insurance rates in Virginia

Some insurance providers use your sex as a factor to determine your rates, but factors such as your zip code and driving record generally impact your rate more. In Virginia, males pay an average of $1,636 a year and females pay $1,619

Why is Virginia auto insurance important?

Although car insurance in Virginia is not mandatory, it is essential to assess the financial responsibility of driving without it. If you don’t have auto insurance in Virginia, you must pay a $500 uninsured motorist vehicle fee each year you renew your registration with the state. Additionally, if you get into an accident, you must pay for all damages out of pocket. If you are unable to do so, you could risk losing your driver’s license.

One vital reason to have car insurance in Virginia is that, depending on your policy and coverage limits, your insurance helps cover certain costs should you get into a car accident. This can reduce the burden of paying for accident-related costs out of pocket, and it can help you have peace of mind while on the road.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in Virginia.

Start saving in 3 simple steps

Chat

Quick start

Only tell us about factors that have the biggest impact on your rates. No phone number or email required

List

Retrieve your rates

We match you with top insurance companies and estimate how much you’ll pay at each

Currency

Compare and save

Compare rates side-by-side to find the best rate for the right coverage

Sources

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2023 RAV4.  

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.