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Last updated: July 20, 2023

Cheapest Car Insurance in Virginia

Virginia is for car lovers, and has many options for insuring your vehicles.

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The first thing you need to know about driving in Virginia is that the state doesn’t require car insurance. You can instead pay a $500 uninsured motorist fee to drive at your own risk with the understanding that you will pay out of pocket for any damages, injuries, or deaths you cause.

If this is your dream scenario, by all means, pay the fee. However, it’s worth acknowledging that over 5 million drivers in Virginia — almost 90 percent of drivers in the state — choose to carry car insurance. The good news is that auto insurance in Virginia is cheap relative to the national average, and there are plenty of deals to be had.

The Cheapest Car Insurance in Virginia

Car insurance in Virginia isn’t required unless you need an SR-22 or FR-44. If you choose to carry insurance anyway, the cheapest car insurance is the minimum state-required liability coverage. However, that coverage simply isn’t enough for many people. The amount of coverage you want, along with other demographic details like your ZIP code, influence which auto insurance company will be the cheapest for you.


According to the 2020 National Association of Insurance Commissioners data, the average annual cost of car insurance for Virginia drivers is 19 percent lower than the national average.1

Teen Drivers

  • Male teens: Nationwide, $1,079 per year
  • Female teens: Nationwide, $966 per year

Marital Status

  • Married: Erie, $840 per year

Active Military

  • Military: USAA, $601 per year
  • Veterans: USAA, $601 per year


  • Full coverage: American Family, $601 per year
  • Minimum requirements only: American Family, $243 per year

Credit Score

  • Excellent credit: USAA, $505 per year
  • Good credit: USAA, $667 per year
  • Bad credit: Nationwide, $926 per year


  • 18: Erie, $2,232 per year
  • 20s: Virginia Farm Bureau, $1,777 per year
  • 30s: Erie, $953 per year
  • 40s: Erie, $859 per year
  • 50s: Erie, $791 per year
  • 60s: Erie, $761 per year
  • 70s: Erie, $870 per year


In Virginia, it is legal for auto insurance providers to determine prices on the basis of credit scores and gender. People with good credit and women tend to pay less. Additionally, you’ll see higher auto insurance rates if you have a speeding ticket or any traffic violation on your record.

Whether you want minimum coverage or full coverage, keep your coverage the same when requesting quotes to make sure you can find the cheapest car insurance company for you.

The Best Car Insurance in Virginia

The following are some of the best car insurance companies in Virginia:

  • Allstate
  • Liberty Mutual
  • State Farm
  • USAA

Finding Cheap Car Insurance in Virginia: Tips and Tricks

Here are some tips on how to lower the average cost of car insurance in Virginia.

  1. Use discounts: Most auto insurance providers offer a slate of discounts. One of the most popular is a bundling discount, which applies if you pay for another type of insurance — home, pet, motorcycle, and others — with the same provider you use for auto insurance.
  2. Lower limits: Reducing your coverage will lower your monthly payment (but could raise your out-of-pocket costs in the event of an accident).
  3. Get rid of optional coverages: As we mentioned previously, the cheapest car insurance rates apply to minimum liability coverage.
  4. Raise deductible: A typical deductible will be around $500, at which point your auto insurance provider will begin to pay for damages. If you raise your deductible to, say, $2,000, you will pay less per month, but will need to pay $2,000 out of pocket before your insurance begins to cover claims.

How Much Coverage Do You Need?

Virginia is one of two states that doesn’t require car insurance. You can instead pay a $500 uninsured motor vehicle fee to the Virginia Department of Motor Vehicles. The fee does not provide any insurance; rather, it allows you to drive an uninsured vehicle at your own risk. That means you will pay out of pocket for any property damages or bodily injuries you cause in an accident.

Virginia doesn’t require insurance if you pay a $500 uninsured motor vehicle fee; however, if you do obtain coverage, you need the minimum coverage the state requires.

Policy effective dates Bodily injury liability per person Bodily injury liability per accident Property damage liability per accident
Jan. 1, 2022 through December 31, 2024 $30,000 $60,000 $20,000
On or after Jan. 1, 2025 $50,000 $100,000 $25,0002

In our experience, $90,000 for bodily injury liability and $20,000 for property damage liability does not extend far enough for most drivers. We recommend buying as much liability coverage as you can afford, but $500,000 is a good benchmark number to consider.

We also recommend the following supplemental coverages to protect yourself from financial woes following an accident:

  • Uninsured motorist coverage: If someone without insurance hits you, they may not have enough funds to cover your property damages and bodily injuries. This is especially true in Virginia, which doesn’t require auto insurance. Thus, it’s vital to purchase uninsured motorist coverage equal to your liability limits in case of an accident.
  • Medical payments coverage: Liability coverage only applies to the other party’s losses in accidents you cause. Medical payments coverage pays for your injuries in accidents you cause or in accidents where the other party does not have enough coverage for your losses.
  • Collision coverage: Collision coverage pays for damages to your property regardless of fault.
  • Comprehensive coverage: Comprehensive coverage pays for property damage from events other than collisions, such as vandalism, car theft, and natural disasters. The limits for collision and comprehensive coverage equal your car’s actual market value (AMV).
  • Rental reimbursement: Insurance companies are required by law to notify you that rental reimbursement coverage is available for cars.3 You can buy coverage to reimburse yourself for the expense of renting a vehicle if you can’t drive your car for longer than 24 hours and the loss is due to a collision or other event defined in your policy. For stolen vehicles, transportation expense coverage begins 48 hours after the theft.


In Virginia, an estimated 11 percent of drivers, or 618,261 people, drove without insurance in 2019.4



You can self-insure in Virginia if you own 21 or more vehicles registered in the state and have $95,000 worth of collateral. In order to apply, you must meet the following criteria:

  • File a three-year loss history and a current list of vehicles.
  • Submit your latest consolidated financial report.
  • File a financial statement at the end of each fiscal year.
  • Have a net working capital equal to the minimum limits of a motor vehicle liability policy.

Here is how to self-insure if you meet the above requirements:

  1. Fill out this form:
  2. Gather the necessary documents:
    • Current list of cars you own
    • Latest consolidated financial report, including profit and loss statement, certified by a reputable accounting firm
    • Financial statement from the end of the fiscal year
    • Crash involvement report (FR-521):
  3. Send the form and documents to this address:
    • Virginia Department of Motor Vehicles
    • P.O. Box 27412
    • Richmond, Virginia 23269

Virginia Auto Insurance Plan

The Virginia Automobile Insurance Plan (VAIP) provides insurance coverage for those who cannot obtain insurance through the voluntary market. You are eligible if you possess a valid Virginia driver’s license and a vehicle registered in the state. Consult your agent or broker for additional information on getting insured through VAIP.4

  • Mailing address:
    • Mid-Atlantic Region
    • P.O. Box 6530
    • Providence, Rhode Island 02940
  • Phone: 888-820-0170
  • Email:

Virginia Department of Motor Vehicles Information

  • Mail:
    • Virginia Department of Motor Vehicles
    • P.O. Box 27412
    • Richmond, Virginia 23269
  • Phone: 804-497-7100
  • URL:


While Virginia does not require car insurance, we recommend purchasing the highest coverage you can afford to avoid headaches in the event of an unforeseen accident. There are plenty of options for affordable coverage in the voluntary market; however, commercial and high-risk drivers can also opt for alternative auto insurance options.

Frequently Asked Questions

What is the average cost of car insurance in Virginia?

The average annual cost of car insurance in Virginia is $846, which is 19 percent lower than the national average, according to the 2020 National Association of Insurance Commissioners data.

Do you need proof of insurance to register a car in Virginia?

Yes, you need proof of insurance to register a car in Virginia. If you choose not to insure your vehicle, you must pay the DMV a $500 fee in addition to normal registration fees.

How much does it cost to register a car in Virginia?

It costs $18.25 to $109 to register a car or other vehicle in Virginia, depending on the weight of the vehicle.

Vehicle type Minimum weight Maximum weight Fee for registering
Antique vehicle None None $50
Autocycle None None $21.75
Electric vehicle None None $109
Low-speed vehicle None None $30.75
Moped None None $18.25
Motorcycle None None $24.75
Passenger None 4,000 $30.75
Passenger 4,001 6,500 $35.75
Pickup truck 4,001 6,500 $35.75
Pickup truck 6,501 10,000 $44.75

Your vehicle title costs $15. In addition, you will need to show proof of insurance or pay a $500 uninsured motorist fee.


  1. 2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).

  2. Insurance Requirements. Virginia Department of Motor Vehicles. (2023).

  3. Code of Virginia. Virginia Law. (2023).

  4. One in Eight Drivers Uninsured. Insurance Research Council. (2021, Mar 22).

  5. Virginia Automobile Insurance Plan. AiPSA. (2023).