Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

The Best Cheap Virginia Car Insurance for 2022

Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

All drivers in Virginia should have car insurance, but it doesn't come cheap. Typical drivers pay thousands of dollars per year, though it's possible to get that cost down by going with the best Virginia auto insurance providers. Here's a look at which companies offer the cheapest car insurance in Virginia for a variety of driver profiles.

  • Cheapest for typical drivers: Geico
  • Cheapest for drivers with prior accidents: Auto-Owners Insurance
  • Cheapest for drivers with prior speeding tickets: Geico
  • Cheapest for young drivers: Virginia Farm Bureau Insurance
  • Cheapest for senior drivers: Geico
  • Cheapest for drivers looking for minimum coverage: Geico
  • Cheapest for drivers with poor credit: Geico

Cheapest for typical drivers

Geico offers the best car insurance in Virginia for typical drivers. Its average male driver pays about $999 annually, which is well under the $1,819 state average. Female drivers who choose Geico can expect to pay a little more -- about $1,114 per year on average -- but it's still below the state average of $1,788. This is based on the profile of a 35-year-old driver with a clean driving record.

Geico

Logo for Geico
Best for Virginia drivers with a clean driving recordGeico
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Other companies that offer some of the cheapest car insurance in Virginia for typical drivers are:

  • Nationwide, which charged female drivers about $1,147 per year and males about $1,166 per year
  • Progressive, where the typical female driver can expect to pay about $1,207 annually and the typical male can expect to pay around $1,161 per year

Cheapest for drivers with prior accidents

Drivers with prior accidents pay about $2,493 annually for Virginia auto insurance, but drivers who go with Auto-Owners Insurance can knock over $1,000 off that bill. The average Auto-Owners driver with a single accident on their record pays only $1,428 annually.

Auto-Owners

Logo for Auto-Owners
Best for Virginia drivers with prior accidentsAuto-Owners
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Drivers with imperfect records can also score affordable car insurance in Virginia with one of these companies:

  • State Farm, which came in just behind Auto-Owners at $1,446 per year for drivers with a single accident on their records
  • Erie Insurance, where a driver with a single accident on their record pays about $1,955 annually on average

Cheapest for drivers with prior speeding tickets

Drivers with a single speeding ticket on their records will see their Virginia auto insurance rates climb to about $2,357 on average. But Geico's rates come in well below that, at about $1,275 per year on average.

The following companies also have some of the cheapest car insurance quotes in Virginia for drivers with a single speeding ticket:

  • State Farm, which charges drivers with a single speeding ticket $1,336 annually on average
  • Auto-Owners Insurance, where drivers with one speeding ticket pay about $1,428 per year on average

Cheapest for young drivers

Teens and young drivers pay some of the most expensive Virginia auto insurance premiums, averaging about $5,249 per year. This is based on the profile of an 18-year-old male driver with a clean driving record. But Virginia Farm Bureau Insurance offered these drivers a much more affordable $2,251 average annual premium.

Farm Bureau

Logo for Farm Bureau
Best for cheap auto insurance in VirginiaFarm Bureau
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

The following companies also offer some of the cheapest car insurance in Virginia to young drivers:

  • Geico, which came in just behind Virginia Farm Bureau at $2,527 per year
  • State Farm, which offers 18-year-old drivers an average annual premium of $3,148

Cheapest for senior drivers

Senior drivers typically have cheap auto insurance for Virginia, paying only $1,604 per year on average. But drivers who go with Geico could get insurance coverage for around $886 annually.

The following insurers are also among the best car insurance companies in Virginia for drivers 65 and up:

  • Nationwide, which has an average annual premium of $1,017 for senior drivers
  • Progressive, where senior drivers pay about $1,049 per year on average

Cheapest for drivers looking for minimum coverage

Cheap liability car insurance in Virginia costs drivers about $641 on average, though Geico drivers only pay about half that. Geico's average annual premium for minimum coverage was just $324.

The following Virginia auto insurance providers also offer low-cost car insurance to those seeking minimum coverage:

  • Auto-Owners Insurance, which has an average annual premium of $412 per year for minimum coverage
  • State Farm, where minimum coverage costs Virginia drivers about $421 annually

Cheapest for drivers with poor credit

Though it may seem unrelated to driving, poor credit can raise car insurance rates. The average driver with poor credit can expect to pay about $3,028 per year for their Virginia auto insurance. But once again, Geico provides these drivers with coverage at a much more affordable price -- about $1,626 per year on average.

Drivers with poor credit should also check out the following Virginia auto insurance companies:

  • Nationwide, which charges drivers with poor credit about $1,836 per year on average
  • Progressive, which has an average annual premium of $1,877 for drivers with poor credit

Average car insurance cost in Virginia compared to the national average

How much is car insurance in Virginia? That varies, depending on several factors, but the average driver can expect to pay about $2,220 per year for Virginia auto insurance. This is a little under the national average of $2,646 per year.

Average Rate Category Virginia National Average
Overall $2,220 $2,646
Young drivers $5,249 $5,988
1 accident on driving record $2,493 $3,092
1 speeding ticket on driving record $2,357 $2,766
What drivers in Virginia can expect to pay for car insurance compared to the national average

Virginia auto insurance laws

Here are some basic Virginia car insurance laws all drivers should be aware of:

Virginia is an at-fault state

In at-fault states like Virginia, the driver who is found to be at fault in an accident is responsible for paying the medical expenses for themselves and the other driver. This can be costly, which is why it's usually a good idea to purchase more than the minimum liability coverage required by state law.

Consequences of driving without insurance in Virginia

It is possible to legally drive a car in Virginia without insurance, but drivers who plan to do this must pay a $500 annual Uninsured Motor Vehicle fee that expires with their vehicle registration. Those who do not do this and drive without insurance will have their driving privileges and vehicle registration suspended.

In order to reinstate these things, drivers must pay a $600 noncompliance fee, file an SR-22 certificate with the DMV for three years, and pay a reinstatement fee.

Virginia minimum coverage requirements

All drivers who choose not to pay the $500 Uninsured Motor Vehicle fee must carry at least the following car insurance coverage:

Bodily injury liability coverage

Drivers need the following bodily injury liability coverage:

  • $25,000 per person
  • $50,000 per accident

Property damage liability coverage

Virginia drivers must also have at least $20,000 in property damage liability coverage to pay for damages to other vehicles or property if they're found at fault in an accident.

How to get cheap auto insurance in Virginia

If you're looking for the cheapest car insurance in Virginia, try the following tips:

  • Shop around. Each car insurer weighs a driver's application a little differently. Comparing rates from multiple providers is the only way to know which offers you the best rate.
  • Grab all the discounts you can. Every car insurance company has its own slate of discounts to help qualifying drivers save. It might be possible to score a lower rate by opting into certain discount programs, like those that monitor your driving by installing a small device in your vehicle.
  • Raise your deductible: A higher car insurance deductible usually brings a lower monthly premium. If you're concerned about high out-of-pocket costs in the event of an accident, you can always save for your deductible in an emergency fund.

Other things to consider when looking for car insurance in Virginia

Here are some other things to bear in mind when shopping for Virginia auto insurance:

You could get hit by an uninsured driver

Virginia law allows residents to drive without insurance as long as they pay a fee. This could be problematic for you if you are hit by one of these drivers. Even if you're hit by a driver that only has Virginia minimum car coverage, their policy may not be enough to cover all the damages. That's why it's usually a good investment to purchase uninsured and underinsured motorist coverage as well. This pays for a driver's medical bills and vehicle repairs if they're hit by a driver that doesn't have sufficient insurance coverage.

Basic insurance coverage doesn't protect your vehicle

State minimum coverage only protects other drivers and their vehicles if they're injured in an accident. If you want your vehicle to be protected, you must also add collision and comprehensive coverage to your policy. Collision coverage protects the policyholder's car in the event of an accident while comprehensive coverage protects them against weather damage, theft, animal-vehicle collisions, vandalism, and a variety of other problems.

Ask the experts

Dr. Laurie Meamber

Dr. Laurie Meamber

Associate Professor of Marketing at the School of Business at George Mason University

What additional coverage do you recommend specifically for Virginia drivers?

For Virginia drivers, collision and comprehensive are both recommended additional coverage -- if the value of the car and replacement parts exceed the cost of premiums and deductibles. In combination, collision coverage and comprehensive coverage work together in most cases to repair damage or replace your vehicle. Plus, a driver can start repairs soon after an accident, rather than waiting for a determination of fault.

Other recommended coverage to consider is medical payment coverage (also called medical expense benefits). This covers a driver's medical-related costs resulting from an accident, regardless of fault. Also, suppose there is a death of a person covered by the policy in the accident. In that case, the coverage may pay for funeral expenses. In evaluating this type of coverage, reflect on the cost of short-term emergency expenses after a car accident related to health insurance coverage and its deductible. This coverage may be able to help pay for the health insurance deductible.

Another optional addition to a policy to consider is lost income benefits coverage, which will provide a small supplement to income to help cover monthly expenses if there is an accident.

For Virginia drivers that don’t have a clean driving record, what can they do to improve their insurance rate?

There are several actions that Virginia drivers can take to improve their insurance rate:

  1. Avoid receiving more tickets on their driving record. Virginia drivers can request a copy of their driving record through the Virginia Department of Motor Vehicles (DMV) to check when violations occurred and dates. Insurers typically check three to five years of driving history.
  2. Comparison-shop with insurers. Consider bundling insurance types to try to get a better rate.
  3. Consider taking driver improvement classes or defensive driving classes.
  4. Drivers can also work to improve their credit scores.

Why do you think drivers in Virginia pay about 16% less than the national average?

Drivers in Virginia pay less than the national average for car insurance due to a couple of factors. First, the insurance market in Virginia is competitive, allowing drivers to comparison shop. Second, Virginia has had lower prices on average for auto repairs. But this trend may not continue long term. As more people drive, there are inevitably more accidents, leading to more claims and payments by insurers. Repair costs are also increasing as car technology advances and more sophisticated features are added. Other trends that may increase long-term insurance prices include severe weather predictions, the number of uninsured drivers, and healthcare costs.

About the Author