Drivers in Virginia pay an average of $1,349 per year for a full coverage policy, making it one of the cheaper states for car insurance. But that doesn’t mean that Virginia drivers can’t still save even more — the best way to find affordable rates is to compare quotes before you buy.
Policygenius makes it easy to see quotes from top companies and compare rates, so you can choose a policy that offers you the coverage you need at a price you feel good about.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Virginia
Car insurance costs vary based on details like your age, address and driving history, but rates can also vary widely from company to company.
Company | Average cost | JD Power Rating |
|---|---|---|
State Farm | $838 | 882 |
USAA | $881 | 890 |
Main Street America | $965 | -- |
Travelers | $1,036 | 854 |
Auto-Owners Insurance | $1,052 | 865 |
Cheapest car insurance companies by age in Virginia
Teenage drivers are inexperienced behind the wheel and more likely to get in an accident, which is why they pay more for car insurance coverage than any other age group. But rates for young drivers typically fall as they age, until they level out at age 25.
Age | Cheapest company | Average cost |
|---|---|---|
16 | Farm Bureau | $2,470 |
18 | Farm Bureau | $2,291 |
21 | USAA | $1,397 |
25 | State Farm | $998 |
30 | State Farm | $852 |
35 | State Farm | $834 |
45 | USAA | $827 |
55 | USAA | $776 |
60 | State Farm | $765 |
65 | State Farm | $758 |
70 | State Farm | $799 |
Choosing the right car insurance company in Virginia
Since rates in Virginia are already lower than in surrounding states, drivers are in a good position to find affordable coverage. Even if you have a speeding ticket on your record or a less-than-stellar credit score, chances are you can still find a reasonable rate.
The best way to ensure you’re getting the best deal on a car insurance policy is to shop around and compare rates before buying. Policygenius can help you see options from top companies, so you can feel confident in your choice.
Car insurance rates for drivers with driving violations in Virginia
Accidents and violations on your record will mean higher car insurance rates, and the more serious the violation, the more you’ll pay for coverage.
Violation | State Farm | USAA | Main Street America | Travelers | Auto-Owners Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,002 | $1,322 | $1,556 | $1,550 | $1,442 |
DUI | $927 | $1,730 | $2,450 | $1,708 | $1,751 |
Suspended license | $927 | $1,690 | $2,450 | $1,708 | $1,751 |
Open container | $927 | $1,567 | $2,450 | $1,120 | $1,079 |
Expired registration | $927 | $1,124 | $1,533 | $1,120 | $1,079 |
Driving without lights | $927 | $926 | $1,533 | $1,470 | $1,079 |
Running a red light | $927 | $1,124 | $1,676 | $1,485 | $1,079 |
Following too closely | $927 | $1,124 | $1,676 | $1,120 | $1,079 |
Hit and run | $927 | $1,766 | $2,450 | $1,708 | $1,751 |
Not-at-fault accident | $852 | $926 | $1,240 | $1,397 | $1,079 |
Passing a school bus | $927 | $1,349 | $2,450 | $1,708 | $1,180 |
Reckless driving | $927 | $1,228 | $2,450 | $1,708 | $1,751 |
Speeding | $927 | $1,124 | $2,450 | $1,708 | $1,751 |
Cheapest car insurance for drivers with a DUI in Virginia
Drivers in Virginia can see a significant increase in their rates if they get a DUI or DWI. The average annual cost for car insurance in Virginia is $1,349, but drivers can expect to pay an average of $2,810 per year if they have a DUI.
But rates vary significantly from one company to the next. For example, State Farm has the lowest average rates for drivers with a DUI at $967 per year, while Main Street America's average rate for the same coverage is $2,450 per year.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $927 |
Travelers | $1,708 |
USAA | $1,730 |
Auto-Owners Insurance | $1,751 |
Main Street America | $2,450 |
Cheapest car insurance for drivers with a speeding ticket in Virginia
A speeding ticket can also cause your rates to go up in Virginia, where the average cost of insurance for a driver with a speeding ticket is $2,031 per year.
Our research shows the companies offering the lowest rates for drivers with a speeding ticket are State Farm, USAA, Farm Bureau, GEICO, and Main Street America.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $927 |
USAA | $1,124 |
Travelers | $1,708 |
Auto-Owners Insurance | $1,751 |
Main Street America | $2,450 |
→ Read more about SR-22 and FR-44 insurance in Virginia
Cheapest car insurance for drivers with bad credit in Virginia
A bad credit score can mean you’ll pay more for car insurance coverage. If you have a poor credit score but maintain a clean driving record, you should still be able to find affordable coverage by shopping around and comparing quotes before you buy.
Company | Rates for drivers with bad credit |
|---|---|
Nationwide | $1,517 |
GEICO | $1,628 |
USAA | $1,630 |
State Farm | $1,723 |
Auto-Owners Insurance | $1,786 |
Car insurance costs in Virginia cities
Where you live also has an effect on what you’ll pay for car insurance coverage. Drivers in cities with crowded streets or higher rates of car theft and vandalism will pay more for a policy than drivers in smaller cities with lower crime rates. Here’s what drivers pay, on average, in the 10 biggest cities in Virginia.
Virginia Beach: $1,468
Chesapeake: $1,464
Norfolk: $1,558
Richmond: $1,467
Newport News: $1,422
Alexandria: $1,494
Hampton: $1,445
Roanoke: $1,229
Portsmouth: $1,519
Suffolk: $1,347
Buying car insurance in Virginia
Virginia, like most states, requires drivers to have a certain amount of car insurance coverage. However, unlike most other states, Virginia gives drivers the option to pay a $500 fee to the DMV in order to drive uninsured.
Making this payment doesn’t count as financial protection though — if you cause an accident, you’re still liable for the related damage and injuries. And the best way to cover your financial obligations after a car accident is to have car insurance. For Virginia drivers who carry car insurance, the minimum required amounts are:
Bodily injury liability coverage per person: $30,000
Bodily injury liability coverage per accident: $60,000
Property damage liability coverage: $20,000
Personal injury protection: Optional
Uninsured/underinsured motorist coverage: Coverage must match your liability limits, so $30,000 per person and $60,000 per incident
How to get cheap car insurance in Virginia
Finding cheap insurance doesn’t have to be complicated. Here are some easy tips for finding affordable rates:
Ask about discounts. Most companies offer discounted rates for safe drivers, good students, military families, seniors, and more.
Bundle policies. Get your auto insurance from the same company that insures your home, boat or motorcycle and you’ll save on all your coverage.
Shop around. Just because one company charges more to drivers with poor credit doesn’t mean they all will. Find the company that offers you the most affordable coverage.
Find car insurance in your city:
Frequently asked questions
How much is car insurance per month in Virginia?
Car insurance costs an average of $112 per month in Virginia. Getting a minimum-coverage policy will be cheaper, but you could leave yourself unprotected after an accident.
Could I save money by paying to drive uninsured?
Virginia allows drivers to drive uninsured after a $500 payment to the DMV. However choosing to drive uninsured is a major risk — if you’re at fault in an accident, you could be on the hook for tens of thousands of dollars in repair costs and medical bills.
If insurance in Virginia is inexpensive, why am I paying so much for my teen driver?
Teens across the country pay more for insurance and Virginians are no exception. New drivers are more likely to cause an accident than any other group and because of that, they pay more for coverage until they age out of the highest-risk age group.
Why does insurance cost more in Norfolk than Virginia Beach if Virginia Beach is more populated?
Insurance companies factor in both the size of a city and other details, like crime rate, accidents, claims and car repair costs. That’s why rates can vary from city to city, and even from neighborhood to neighborhood.
