Affordable car insurance in Virginia

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Average rates at the top car insurance companies in Virginia

Based on a premium coverage policy for a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

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.

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Personalized rate estimates calculated using the insurance company’s rating plan (plus any applicable discounts) 

Average annual cost of car insurance in Virginia

How much does car insurance cost in Virginia? These are the average prices a 35-year-old male driving a 2022 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 based on a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

Helping Virginians find affordable insurance

You’re one-of-a-kind. Your insurance should be too. Our quiz is designed to help you find insurance that meets your unique needs at a price you can afford.

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Why you can trust Rate Retriever

Everything we do, we do with your best experience in mind. This means delivering the information you want and need to make confident insurance decisions. While we may partner with some of the carriers you see on our site, we maintain editorial independence and commit to a 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. 

Additionally, 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. 

It’s important for residents to know car insurance requirements in Virginia. The following are the coverage types and limit amounts Virginia requires if you choose to purchase insurance; however, these minimums are just a starting point. You may want to consider increasing your coverage limits or purchasing additional coverage for further protection. 

Richmond, Virginia

Minimum car insurance requirements - Virginia

Bodily Injury Liability

To cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident

Property Damage Liability

To cover property damage expenses in an accident when you’re at fault – $20,000 limit

Uninsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have any car insurance – Bodily Injury: $25,000 limit per person/$50,000 limit per accident; Property Damage: $20,000

Underinsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have enough liability insurance – Grouped with uninsured motorist coverage

The top insurers in Virginia

Geico Auto Insurance
State Farm Auto Insurance
Allstate Auto Insurance
Progressive Auto Insurance
Nationwide Auto Insurance
Erie Auto Insurance
Travelers Auto Insurance
Farm Bureau Virginia Auto Insurance
Farmers Auto Insurance

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.

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.

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.

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What other factors impact your auto insurance rate?

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

The best insurance rates in Virginia

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Sources

Methodology

The rates on this page are estimated based on the rating plans insurance carriers have submitted to each state’s department of insurance. An insurance carrier’s rating plan details how the company uses certain characteristics to assign different rates to different people. We use the same data sources to power our comparison tools.

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 2022 RAV4. 

These rates 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.