Cheap Car Insurance in Virginia

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Finding cheap car insurance in Virginia

Because car insurance rates can vary considerably by company, it's important to compare prices if you're looking for cheap car insurance in Virginia. You can potentially save hundreds of dollars a year just by comparison shopping.

To find out how much, we looked at premiums reported by EverQuote users in Virginia for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one vehicle.

Company
(Click to see reviews)
Average monthly premium
Erie $96
Nationwide $113
State Farm $115
Allstate $116
Geico $117.50
USAA $121
Progressive $126
Esurance $129
Elephant $133.50
Liberty Mutual $135
Source: EverQuote. See full methodology below.


Also keep in mind that the cheapest car insurance company in Virginia for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims.

Recent auto insurance rate changes approved by Virginia

Car insurance companies must file their planned rate changes with the state. Here are rate changes recently approved by the Virginia department of insurance. These changes may not affect all customers in the state. If you are affected, you'll receive a notice from your insurer at renewal time. The effective dates indicate when the change will start rolling out.

Company Effective date Rate change %

(   ) = decrease

Pennsylvania National Mutual Casualty Insurance Co. 8/15/18 3.300
Allmerica Financial Alliance Insurance Co. 8/1/18 5.000
Citizens Insurance Co. of America,

Massachusetts Bay Insurance Co.,

The Hanover Insurance Co.

8/1/18 5.000
Allmerica Financial Benefit Insurance Co. 7/28/18 2.000
Utica Mutual Insurance Co. 7/22/18 (0.500)
Main Street America Assurance Co.,

NGM Insurance Co.

7/11/18 8.000
Auto-Owners Insurance Co.,

Owners Insurance Co.

6/16/18 2.500
Elephant Insurance Co. 5/30/18 4.400
Allstate Property and Casualty Insurance Co. 5/14/18 (0.100)
Virginia Farm Bureau Fire & Casualty Insurance Co. 5/1/18 2.200
MIC General Insurance Corporation 4/19/18 2.900
Old Dominion Insurance Co. 4/18/18 9.000
Direct General Insurance Co. 4/17/18 7.800
Trustgard Insurance Co. 4/15/18 3.400

Virginia car insurance rates after accidents & speeding tickets

Tickets and accidents can also mean a rate increase. We looked at premiums reported by EverQuote users in Virginia who had an accident or speeding ticket on their records compared to those who didn't. 

On driving record Average monthly premium difference vs. clean record in Virginia
Speeding ticket 34%
Accident 30%
Source: EverQuote. See full methodology below.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Virginia drivers are speeding and using their phones while driving.


Virginia car insurance rates by city

We also compiled Virginia car insurance rates reported by EverQuote users in various cities. Drivers in Roanoke reported paying the least among the cities we looked at.

City Average monthly premium
Roanoke $104.50
Arlington $109
Fairfax $110
Chesapeake $115
Alexandria $116
Virginia Beach $118
Fredericksburg $119
Portsmouth $120.50
Richmond $123
Newport News $129
Hampton $131
Norfolk $134
Woodbridge $137
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Virginia

Comparing quptes among multiple insurance companies and keeping a clean driving record are always key ways to save money.

In addition:

  • Ask your insurance agent if you're getting all possible auto insurance discounts.
  • Find out how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit. Poor credit can lead to higher rates than causing an accident. Insurers often use a credit-based insurance score as part of setting rates.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 31, 2018

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