Compare Cheap Auto Insurance in Virginia

At $1,209 per year ($101 per month), Travelers offers the cheapest full coverage auto insurance rates in Virginia. This is around 40 percent less than the statewide full coverage average of $2,003 annually. USAA ($1,226 annually) and Virginia Farm Bureau ($1,286) are the next cheapest providers, although USAA is available only to military members and their families.

Travelers ($478 annually) and USAA ($482 annually) offer the cheapest minimum coverage policies for Virginia drivers. A minimum coverage policy from Travelers is approximately 37 percent less than the statewide average of $758 annually. A minimum coverage policy from USAA costs $482 per year, which is 36 percent less than the state average.

A speeding ticket in Virginia increases your rates by 11 percent on average. Travelers ($1,498 annually) offers the cheapest full-coverage auto insurance with a speeding ticket, 34 percent less than the Virginia average. For those in the military, USAA ($1,506 annually) also offers affordable rates for drivers with a speeding ticket.

Virginia Farm Bureau’s annual full coverage rate with a teen is $2,747 or 56 percent less than the statewide average. Travelers and GEICO also offer competitive rates for households with teens, with average annual policies at $3,324 and $3,733, respectively.

In Virginia, an at-fault accident will raise your auto insurance rates by about $1,000 each year. Virginia Farm Bureau offers the cheapest full coverage rates in Virginia for those with an accident on their record. Its average policy cost is 50 percent less than the statewide average at $1,519 annually. Travelers also offers low rates, with an average annual cost of $1,635.

With an average annual policy cost of $1,569 for full coverage, Virginia Farm Bureau offers the cheapest rates in Virginia for drivers with a DUI. This is 59 percent less than the statewide average policy cost of $3,854. Travelers ($1,774 annually) and USAA ($2,315) also offer lower-than-average rates for drivers with a DUI.

In Virginia, a low credit score will increase auto insurance rates by an average of 48 percent. Travelers offers the cheapest full coverage rates for drivers with poor credit — its rate of $2,061 is lower than the Virginia average for drivers with good credit. USAA ($2,095 annually) and GEICO ($2,183 annually) also offer cheaper average rates for drivers with less-than-stellar credit histories.

USAA’s J.D. Power Claims and Customer Satisfaction scores are the highest of our cheapest providers in Virginia. On the less positive end of the scale, its score from the CRASH Network Insurer Report Card is one of the lowest. Erie’s scores are consistently high across all third-party providers.

1. Bundle your policies: Most auto insurance providers offer bundling discounts when you purchase multiple policies with them. These discounts typically apply when you combine auto insurance with homeowners, renters, motorcycle or life insurance.
2. Increase your deductible: Increasing your comprehensive and collision deductibles will lower your premium. However, it means higher out-of-pocket costs before your coverage kicks in if you file a claim. If you choose to go this route, make sure you can afford to pay a higher deductible.
3. Apply discounts: Most auto insurance providers offer plenty of discounts, but the types of discounts offered can vary significantly from company to company. For example, some providers offer higher discounts for federal workers, while others may offer car insurance discounts for teens with good grades. Work with a local agent to determine if all available discounts are applied to your policy.
4. Practice safe driving habits: Maintaining a clean driving record, with no recent at-fault accidents or violations, is one of the best ways to keep insurance rates low. If you do have a mark on your record, but generally drive safely, you can save by enrolling in a telematics program that tracks your driving habits with an app or device.
5. Get multiple quotes: Each insurance company calculates rates slightly differently, so one company may quote you much lower than another. We recommend comparing quotes from at least three providers to get cheaper rates.

On average, Arlington offers some of the lowest auto insurance rates among cities in Virginia, with an annual rate of $2,111. Norfolk’s rates are some of the highest, with an annual policy cost of $2,373. Prices in Richmond ($2,213 annually) and Falls Church ($2,204 annually) are also higher than the statewide average.

As of July 1, 2024, minimum coverage auto insurance is legally required in Virginia (before that, Virginians could pay a $500 uninsured motorist fee instead of carrying auto insurance).

The state requires liability coverage with the following minimum limits:

• Bodily injury liability: $50,000 per person/$100,000 per accident
• Property damage liability: $25,000

We analyze average auto insurance premiums in Virginia for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible