Cheap Car Insurance in Virginia 2019

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Finding cheap Virginia car insurance

Not happy with your car insurance bill? Here are good ways to find cheap Virginia auto insurance:

  • Keep a clean driving record. Accidents and tickets for moving violations can lead to a rate increase at renewal time.
  • Adding a young driver to your insurance policy? We have tips for getting cheap car insurance for teen drivers.
  • If you have a college student, find out if you're eligible for common auto insurance discounts for college students.
  • Buy homeowners insurance from your car insurance company so you can snag a "bundling" discount.
  • Ask your insurance agent to review the possible discounts so you can get all possible savings.
  • Raise the deductible amount on collision and comprehensive insurance, if you buy them.
  • Shop around and compare several auto insurance quotes. Rates can vary by hundreds of dollars among auto insurers for the coverage, so shopping around can really pay off.

We analyzed average insurance premiums reported by EverQuote users in Virginia so you can see how prices compare.

Sections:

  Virginia insurance vs. the U.S. average
  
Average Virginia insurance premiums by company
  
Insurance increases after a speeding ticket
  
Insurance increases after an accident
  
Average premiums for Virginia cities

Virginia insurance vs. the U.S. average

Virginia car owners with good driving records pay less than the national average.

  • $1,596/year Virginia average.
  • $1,684/year national average.

Average Virginia insurance premiums by company

Company
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Average annual premium in Virginia

The Hartford

$1,351

Erie Insurance

$1,397

Travelers Insurance

$1,424

Nationwide Insurance

$1,516

State Farm

$1,531

Geico

$1,562

USAA (must have a military affiliation to apply)

$1,569

Allstate Insurance

$1,608

Progressive Insurance

$1,627

AAA Insurance/Auto Club

$1,670

National General

$1,684

Elephant Insurance

$1,701

Liberty Mutual

$1,707

Esurance

$1,766

The General

$1,950

Insurance increases in Virginia after a speeding ticket

Virginia drivers who get a speeding ticket pay an average insurance increase of 30%, higher than the average increase nationwide.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Virginia $1,596 $2,071 30%
Nationwide average 26%

Insurance increases in Virginia after an accident

Virginia drivers who cause an accident get an average insurance increase of 43%, higher than the national average increase. This makes Virginia the 4th highest states for increases after an accident.

State Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
Virginia $1,596 $2,277 43%
Nationwide average 36%

Average premiums in Virginia cities

Drivers in Woodbridge and Norfolk pay the most for auto insurance among the Virginia cities we examined.

City

Average annual premium

Alexandria

$1,578

Arlington

$1,555

Charlottesville

$1,387

Chesapeake

$1,573

Fairfax

$1,516

Falls Church

$1,578

Fredericksburg

$1,548

Hampton

$1,666

Lynchburg

$1,593

Manassas

$1,679

Newport News

$1,667

Norfolk

$1,749

Portsmouth

$1,694

Richmond

$1,613

Roanoke

$1,467

Suffolk

$1,531

Virginia Beach

$1,596

Woodbridge

$1,781

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated March 7, 2019

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