Fast, Free Auto Insurance Quotes

We reviewed car insurance quotes for a benchmark driver profile across the state of Virginia, and compared rates to find the cheapest auto insurance carriers. We found that prices vary widely from city to city and company by company. To ensure you receive the best rate in The Old Dominion State, compare quotes and shop around. Whether you live in one of the state’s cities or along the Chesapeake Bay, you can find cheap auto insurance rates. Enter your ZIP code above to begin your search, or read the rest of our report below.


Cheapest Auto Insurance in Virginia

We compared the average monthly car insurance payments reported by EverQuote users. To ensure a logical comparison, we used the driver profile of a VA male with a clean driving record insuring a single full-size or mid-size car as a benchmark. This table shows the monthly payments for the thirteen cheapest car insurance providers in Virginia, ranked from lowest to highest cost.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 Erie $1,086 $91
2 National General Insurance $1,152 $96
3 State Farm $1,260 $105
4 Allstate $1,320 $110
5 Nationwide $1,356 $113
6 GEICO $1,356 $113
State Average $1,356 $113

Fast, Free Auto Insurance Quotes

Across the entire Mother of Presidents State, we found that Erie has the cheapest average costs for car insurance. The median yearly cost came out $1,086, with an average monthly payment of only $91. Other low-cost auto insurance carriers include National General Insurance, State Farm and Allstate.

Cheapest Car Insurance in Virginia by City}

Virginia is a beautiful state with unique terrain, from the Great Appalachian Valley and Blue Ridge Mountains to plateaus and coastal cities. We looked at reported rates from users to see how much car insurance rates varied throughout the state. Using the same driver profile of a VA male looking to insure one full-size or mid-size car, we determined the following results. The capital city of Richmond ranks above the large city of Virginia Beach, though the average yearly cost difference between the two is only $66. The cities of Arlington, Herndon and Roanoke have the overall cheapest average car insurance rates.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Arlington $1,188 $99
2 Herndon $1,200 $100
3 Roanoke $1,224 $102
4 Falls Church $1,248 $104
5 Fairfax $1,284 $107
6 Alexandria $1,320 $110
7 Virginia Beach $1,320 $110
8 Newport News $1,350 $113
9 Chesapeake $1,350 $113
10 Hampton $1,356 $113
State Average $1,356 $113
11 Fredericksburg $1,362 $114
12 Portsmouth $1,380 $115
13 Richmond $1,386 $116
14 Norfolk $1,422 $119
15 North Chesterfield $1,518 $127
16 Manassas $1,572 $131
17 Woodbridge $1,596 $133

Methodology For This Study

EverQuote collected self-reported monthly premiums from over two million users looking to save money on car insurance. This data, along with those users' current auto insurance company and ZIP code at the time of the survey allowed us to produce the analysis you see here. EverQuote users differ from one another in many ways that can affect the price of car insurance. The age and gender of a driver as well as the number of drivers and vehicles in a household are just a few of factors that can affect the cost of car insurance. To ensure a fair comparison of our numbers, we compared the premiums reported by a subset of users who are alike.