Cheap Car Insurance in Virginia
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Finding cheap car insurance in Virginia may reduce your monthly expenses, potentially leaving you with more money to spend on the things that matter the most. This guide explores the top insurers that serve the "Old Dominion," factors that affect auto insurance rates, discount options, and how you can save money on car insurance.
Average car insurance rates in Virginia
According to MoneyGeek, the average cost for full coverage car insurance in Virginia is $1,134 per year — 12% less than the national average of $1,296. Drivers pay an average of $566 per year for minimum auto insurance coverage (state minimum liability-only coverage), which is 7% less than the national average of $595.
The exact amount you'll pay for car insurance in Virginia depends on various factors, such as your age, driving history, and credit score. For example, younger drivers may pay more for coverage because they have a shorter driving history.
Cheapest car insurance providers in Virginia
These companies consistently offer the most affordable car insurance coverage based on 2019 data from EverQuote.
| Company | Average rates for annual insurance premium |
|---|---|
| Erie Insurance | $1,351 |
| Travelers Insurance | $1,424 |
| Nationwide Insurance | $1,516 |
| The Hartford | $1,549 |
| USAA (must have a military affiliation to apply) | $1,569 |
| Allstate Insurance | $1,608 |
| Progressive Insurance | $1,627 |
| AAA Insurance/Auto Club | $1,670 |
| Elephant Insurance | $1,701 |
| Liberty Mutual | $1,707 |
| Esurance | $1,766 |
Note: These premiums are based on policies with liability of 100/300/50 and uninsured motorist coverage of 100/300.
The state minimum coverage in Virginia is 30/60/20. This means the maximum an insurance company will pay for the following is:
- Bodily injury liability — $30,000 per person
- Bodily injury liability — $60,000 per accident
- Property damage liability — $20,000 per accident
If you are more likely to get into a car accident and file a claim, you may need high-risk car insurance.
Top budget-friendly insurers for 2025
On a tight budget? Various companies offer affordable car insurance in VA. For example, Progressive's average annual costs in 2019 were $1,627, while Liberty Mutual's were $1,707.
Regional and local insurers worth considering
Elephant Insurance, based in Richmond, is an insurance company you might want to check out. Also, consider Erie Insurance, which has its headquarters in Erie, Pennsylvania — one state away.
Key factors that influence insurance costs
Several things may determine how much you pay for car insurance in Virginia, including the amount of coverage you choose, your credit score, and your driving history.
One of the most important factors insurance companies consider is the type of vehicle you drive. Some makes and models are statistically more likely to be involved in accidents, cost more to repair, and are at a higher risk of being stolen. How often you drive your car can also influence insurance costs. Typically, the more you drive, the more likely you are to be in an accident. This may increase the amount you pay.
The zip code you live in may also impact premiums. Insurers typically consider your location and its traffic density, as areas with more cars on the road may have higher accident rates. This can increase risk and raise your costs.
Discount programs that lower premiums
Getting insurance discounts could save you money on your premiums over time. Some of the most popular discount programs offered by insurers include:
- Good driver discount: Drivers with a clean driving record and no reckless driving may save money on their premiums.
- Safe car discount: You may qualify for this discount if your car has anti-theft and other security devices installed.
- Multi-car discount: Some insurers will reduce your premiums if you have more than one vehicle on your policy.
Tips for finding and keeping cheap coverage
There are various ways you can find cheap auto insurance in VA, including shopping around for different insurance companies. Car insurance rates can fluctuate, so compare lenders regularly to keep cheap coverage.
Bundling your car insurance with other insurance policies from a provider may also be a good idea. For example, you could pay less money for car insurance if you also take out home insurance from the same company.
Also, you may want to check your credit report when finding and keeping cheap coverage. That's because drivers with a good credit score often qualify for the cheapest rates. You can improve your credit by paying bills on time, not getting too close to your credit limit, and removing any inaccurate information from your report.
Websites like EverQuote let you compare cheap car insurance quotes in Virginia, helping you find and keep the best deals. Compare car insurance options now.
How to choose the right policy without overpaying
Insurance companies might try to sell you additional coverage that you don't need. You can avoid overpaying for insurance by removing any unnecessary extras from your policy, such as collision coverage or comprehensive coverage if you have an older car.
To save money, some drivers in Virginia may solely choose the state minimum coverage when looking for the cheapest companies. If you do this, be sure to understand the risks. You may be underinsured in the event of a serious accident, leaving you to pay higher out-of-pocket costs.
There are some types of car insurance that you must have in Virginia, such as uninsured motorist coverage, which protects you against fault accidents when another driver can't cover your damages.
Compare cheap car insurance in Virginia now
Insurance options in Virginia vary by driver profile, zip code, and other factors, so you'll want to compare options from different providers. Here at EverQuote, you can get a free custom insurance quote in just a few minutes, potentially saving you money on your next policy. Get cheap Virginia auto insurance quotes right now.
FAQs
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.