Cheapest Virginia Car Insurance Rates in 2024 (Unlock Big Savings From These 10 Companies!)
The top providers for the cheapest Virginia car insurance rates are USAA, Progressive, and State Farm, offering the lowest rates, starting at $18/month. These companies excel in affordability, customer satisfaction, and financial stability, making them the best choices for Virginia drivers.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Oct 18, 2024
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UPDATED: Oct 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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6,435 reviewsCompany Facts
Min. Coverage for Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
13,128 reviewsCompany Facts
Min. Coverage for Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
17,759 reviewsCompany Facts
Min. Coverage for Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
The top picks for the cheapest Virginia car insurance rates are USAA, Progressive, and State Farm, offering exceptional benefits with a minimum rate of $18/month.
These companies excel in affordability, customer satisfaction, and financial stability, making them the top picks for Virginia drivers. By comparing quotes from these top providers, you can find the most affordable coverage tailored to your needs.
Our Top 10 Company Picks: Cheapest Virginia Car Insurance Rates
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $18 A++ Military Benefits USAA
#2 $26 A+ Flexible Coverage Progressive
#3 $27 B Reliable Coverage State Farm
#4 $29 A++ Competitive Rates Geico
#5 $31 A++ Multi-Policy Savings Travelers
#6 $35 A Customer Service American Family
#7 $36 A+ Accident Forgiveness Nationwide
#8 $42 A Safe Driver Farmers
#9 $43 A+ Bundling Options Allstate
#10 $54 A Customizable Plans Liberty Mutual
Dive into this comprehensive guide to learn how to unlock big savings and make informed decisions about your car insurance.
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Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code above.
- USAA offers the best rates and coverage for Virginia drivers, starts at $18/month
- Compare top companies to find the cheapest Virginia car insurance rates
- Tailor your policy to your needs to ensure you get the best value and savings
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#1 – USAA: Top Overall Pick
Pros
- Affordability: USAA offers some of the lowest rates in Virginia, with minimum coverage starting at $18/month, making it a cost-effective option for many drivers.
- Customer Satisfaction: USAA car insurance review highlights its exceptional customer service and efficient claims handling process, which contribute to its high customer satisfaction.
- Comprehensive Coverage Options: USAA provides a wide range of coverage options, including rental reimbursement, roadside assistance, and mechanical breakdown insurance.
Cons
- Limited Local Offices: USAA primarily operates online and over the phone, which might be inconvenient for those who prefer face-to-face interactions.
- No Usage-Based Insurance: Unlike some competitors, USAA does not offer a usage-based insurance option, which could be a drawback for low-mileage drivers seeking discounts.
#2 – Progressive: Best for Flexible Coverage
Pros
- Flexible Coverage Options: Progressive car insurance review highlights a range of coverage options, such as gap insurance, custom parts and equipment coverage, and pet injury coverage.
- Strong Online Tools: Progressive’s online tools and mobile app are user-friendly, allowing customers to easily manage their policies, file claims, and compare rates.
- Market Leader: As one of the largest insurance providers, Progressive has a strong market presence and extensive resources for customer support and claims processing.
Cons
- Higher Rates for High-Risk Drivers: Progressive may charge higher premiums for drivers with poor driving records or other high-risk factors.
- Mixed Customer Reviews: While many customers are satisfied, Progressive has received mixed reviews regarding their claims process and customer service.
#3 – State Farm: Best for Reliable Coverage
Pros
- Affordable Rates: State Farm car insurance review highlights its competitive rates, positioning it as one of the more affordable choices for many drivers in Virginia.
- Comprehensive Coverage Options: State Farm provides a wide range of coverage options, allowing customers to tailor their policies to fit their specific needs.
- Local Presence: With numerous local agents, State Farm provides personalized service and easy access for policy management and claims assistance.
Cons
- Higher Rates for Some Drivers: While generally affordable, State Farm can be more expensive for certain demographics, particularly young drivers.
- Availability of Discounts: Although offering several discounts, some customers might find that State Farm’s discount offerings are not as extensive as those of other insurers.
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#4 – Geico: Best for Competitive Rates
Pros
- User-Friendly Digital Experience: Geico excels in its digital tools, offering a highly functional website and mobile app for easy policy management and claims filing.
- Wide Range of Discounts: Geico offers numerous discounts, including those for good drivers, multiple policies, and safety features, helping customers save more.
- National Presence: Geico car insurance review highlights Geico’s extensive national presence as one of the largest insurers in the U.S., showcasing its consistency and reliability.
Cons
- Mixed Customer Service Reviews: While Geico has a strong digital presence, its customer service reviews are mixed, with some customers reporting less satisfactory experiences.
- Higher Rates for Full Coverage: While offering low rates for minimum coverage, Geico’s rates for full coverage can be higher compared to other budget insurers.
#5 – Travelers: Best for Multi-Policy Savings
Pros
- Discounts: They offer numerous discounts, such as multi-policy, safe driver, pay-in-full, early quote, and good student discounts. These can significantly lower premiums.
- Strong Financial Stability: Travelers car insurance review highlights the company’s high A.M. Best rating, showcasing its strong financial stability and capability to pay out claims.
- Extensive Customer Support: Travelers provides 24/7 customer support, which is accessible through various channels, including phone, online chat, and their mobile app.
Cons
- Average Customer Satisfaction: While Travelers provides good coverage, customer satisfaction ratings are average, indicating some clients may experience issues with claims processing or customer service.
- Limited Local Agents: In some areas, Travelers may have fewer local agents, which can be a disadvantage for customers who prefer face-to-face interactions.
#6 – American Family: Best for Customer Service
Pros
- Excellent Customer Service: Known for their attentive customer service, American Family has high customer satisfaction ratings and offers personalized service through a network of local agents.
- Comprehensive Discounts: American Family car insurance review highlights a variety of discounts, including multi-policy, loyalty, young volunteer, and safe driving discounts, which contribute to reducing overall insurance costs.
- Community Involvement: American Family is actively involved in community programs and charitable activities, which enhances their reputation and customer loyalty.
Cons
- Limited Availability: American Family insurance is not available in every state, which restricts access for some potential customers.
- Higher Premiums for New Drivers: Rates can be higher for young or inexperienced drivers, making it less competitive for families with teenage drivers.
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#7 – Nationwide: Best for Accident Forgiveness
Pros
- Wide Range of Coverage Options: Nationwide offers a variety of insurance products, including auto, home, renters, and life insurance, allowing for comprehensive coverage in one place.
- Discounts and Savings: Nationwide car insurance discounts showcases a variety of discounts available such as multi-policy, safe driver, and good student discounts, which can substantially lower premiums.
- Customer Service: Nationwide is known for its responsive customer service and claims handling, offering a hassle-free experience for policyholders.
Cons
- Higher Premiums: Some customers report higher-than-average premiums compared to other insurers, especially for certain types of coverage.
- Mixed Customer Reviews: While many customers praise Nationwide’s service, others report dissatisfaction with claim resolutions and billing practices.
#8 – Farmers: Best for Safe Driver
Pros
- Comprehensive Coverage Options: Farmers offers a wide array of insurance products, including auto, home, life, and business insurance, making it easy to bundle policies.
- Customizable Policies: Farmers car insurance review highlights the ability for policyholders to customize their coverage with a range of add-ons and endorsements to meet their unique needs.
- Discounts and Rewards: Farmers provides several discounts, such as multi-policy, safe driver, and pay-in-full discounts, helping customers save on their premiums.
Cons
- Customer Service Variability: Customer service experiences can vary significantly depending on the local agent, leading to inconsistent service quality.
- Complex Policies: Some customers find Farmers’ policies and billing practices to be more complex and harder to understand compared to simpler alternatives.
#9 – Allstate: Best for Bundling Options
Pros
- Comprehensive Coverage Options: Allstate offers a wide range of insurance products, including auto, home, renters, and life insurance, providing a one-stop-shop for all your insurance needs.
- Discounts: Allstate car insurance review highlights several discounts, including safe driver, multi-policy, and new car discounts, which help customers save on premiums.
- User-Friendly Technology: The Allstate mobile app and website offer easy access to policy information, claim filing, and payment options.
Cons
- Mixed Customer Service Reviews: Customer service experiences with Allstate can be inconsistent, with some customers reporting long wait times and unsatisfactory resolutions.
- Limited Availability of Local Agents: In some regions, finding a local Allstate agent can be challenging, making personalized service less accessible.
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#10 – Liberty Mutual: Best for Customizable Plans
Pros
- Wide Range of Discounts: Liberty Mutual provides a variety of discounts, such as multi-policy, safe driver, and good student discounts, making their policies more affordable.
- Strong Financial Ratings: Liberty Mutual car insurance review showcases the company’s financial strength, ensuring efficient claims handling and reliable service.
- Nationwide Availability: Liberty Mutual operates in all 50 states, making it a widely accessible option for consumers across the country.
Cons
- Mixed Claims Handling Reviews: While many customers are satisfied, some have reported issues with the claims process, including delays and difficulties in communication.
- Aggressive Sales Tactics: Some customers have reported feeling pressured by Liberty Mutual’s sales tactics, which can be off-putting and lead to a negative customer experience.
Compare Virginia Car Insurance Rates and Coverage
The median household income in Virginia was over $71,535, and drivers, on average paid over $843 for car insurance. There’s certainly nothing to love about that. We think consumers in the Old Dominion State are spending way too much money on car insurance. There has to be a better way to find cheap car insurance.
USAA offers the lowest rates and best overall value for Virginia drivers, starting at just $18 per month.
Brad Larson Licensed Insurance Agent
Understanding the minimum coverage requirements in Virginia is essential for all motorists. Below, we have provided detailed information and helpful advice to ensure you get the best coverage options for your needs. By familiarizing yourself with these requirements, you can make informed decisions about your car insurance policy, ensuring that you are adequately protected in case of an accident.
Whether you are a new driver or looking to update your existing policy, this guide will help you navigate the complexities of car insurance in Virginia, helping you find the most affordable and comprehensive coverage available. Below, we have provided information and helpful advice so you can get the best coverage options for your needs.
Virginia Car Insurance Minimum Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person $50,000 per accident |
| Property Damage Liability | $20,000 |
The basic coverage requirements in Virginia for liability insurance are $25,000 to cover the death or injury per person, $50,000 to cover the total death or injury per accident, and $20,000 to cover property damage per accident.
Liability car insurance pays all individuals (drivers, passengers, pedestrians, etc.) who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes. If you cause a wreck, liability insurance pays everyone affected by the accident.
Virginia Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $43 $103
American Family $35 $83
Farmers $42 $100
Geico $29 $69
Liberty Mutual $54 $129
Nationwide $36 $86
Progressive $26 $61
State Farm $27 $63
Travelers $31 $73
USAA $18 $43
In Virginia, USAA offers the cheapest car insurance rates at $18 for minimum coverage and $43 for full coverage. Progressive and State Farm also have low rates, while Liberty Mutual is the most expensive, with $54 for minimum coverage and $129 for full coverage. Geico provides competitive rates, and companies like Allstate, American Family, Farmers, Nationwide, and Travelers fall in the mid-range.
Virginia may be for lovers, but there’s nothing to love about high car insurance rates. Auto insurance isn’t required in Virginia, and insured drivers often suffer the consequences by paying more for coverage. You can buy liability insurance in Virginia for around $70 per month, but comparing Virginia car insurance rates from multiple companies will get you the best price possible.
| Virginia Summary Statistics | Details |
|---|---|
| Road Miles | Total In State: 75,061 Vehicle Miles Driven: 81 billion |
| Vehicles | Registered In State: 6.96 million Total Stolen: 4,486 |
| State Population | 8,517,685 |
| Most Popular Vehicle | Honda CR-V |
| Uninsured Motorists | 9.90% Rank: 34th |
| Total Driving Fatalities | 2008 - 2017 Speeding: 2,031 Drunk Driving: 2,316 |
| Average Annual Premiums | Liability: $425/yr Collision: $280/yr Comprehensive: $136/yr Average Full Coverage Rates: $841/yr |
| Cheapest Providers | Nationwide and USAA |
Where you live is one of the factors that affect car insurance rates, so compare quotes by city or ZIP code to get the most affordable Virginia insurance. Everything you need to know about buying cheap car insurance in Virginia, including how to compare Virginia car insurance rates, is in this comprehensive guide.
Understanding Financial Responsibility and Car Insurance Costs in Virginia
Financial responsibility means proving you have the state’s minimum liability coverage for your vehicle. Drivers must always carry proof of insurance, such as an insurance ID card or electronic proof. Alternatively, paying a $500 Uninsured Motor Vehicle (UMV) fee allows you to drive uninsured, but this expires with your registration and must be renewed.
USAA stands out as the top choice for Virginia drivers with unmatched affordability and exceptional customer satisfaction.
Michelle Robbins Licensed Insurance Agent
Driving without insurance can lead to issues if you’re in an accident. Virginians generally pay less for car insurance than the national average and neighboring states. With a per capita disposable income of $43,904, residents spend a smaller portion of their income on car insurance. Use a calculator for precise monthly cost comparisons.
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Average Monthly Car Insurance Rates in Virginia
The main concern of almost every motorist in Virginia is the rising cost of insurance. The table below shows data provided by the National Association of Insurance Commissioners, which is an agency dedicated to keeping up with the changing costs of car insurance.
Allstate Car Insurance Discounts
| Coverage Type | Cost |
|---|---|
| Liability | $35 |
| Collision | $23 |
| Comprehensive | $11 |
| Combined | $70 |
Up next, we take a look at loss ratios and what they mean to a company’s bottom line.
Additional Liability Coverage in Virginia
To gauge the financial health of insurance companies, you should look at their loss ratios. Loss ratios are explained as: the money insurance companies pay out on claims compared to the money they take in on premiums is the loss ratio. For a comprehensive analysis, refer to our detailed guide titled “What Is a Car Insurance Premium?”
For example, if an auto insurer collects $100,000 of premiums in a given year and pays out $35,000 in claims, the company’s loss ratio is 35 percent ($35,000 incurred losses/$100,000 earned premiums).
Do I need additional car insurance coverage? You may want to consider adding additional car insurance coverage to your plan to avoid paying out of pocket in the event of an accident. Without this additional coverage, medical bills and payments could reach well into the thousands of dollars for those affected by an uninsured driver.
Add-ons, Endorsements, and Riders
Average Monthly Car Insurance Rates by Age & Gender in Virginia
According to an article on Inc.com, women pay $100,000 more for the same products as men do. In fact, gender discrimination in car insurance rates is such a problem that California and other states banned gender discrimination and created gender-neutral insurance plans. Below, we show you rates that various folks in Virginia pay for car insurance.
As you can see, in some cases, teen drivers pay thousands more than older drivers do for car insurance. Compare car insurance rates for teen drivers for more information. Rates are somewhat consistent with male and female teen drivers, as, on average, each company has close to a $3,000 spread from lowest to highest on yearly premiums. Unfortunately, for parents, those rates are thousands higher than what they pay.
Highest and Lowest Rates by ZIP Code
What are the factors that affect car insurance rates? In addition to gender and age, where you live can affect your car insurance rates. We’ve collected data on the least and most expensive ZIP codes, so search to see where your ZIP code lands on the list.
You’ll also see a breakdown of various providers’ costs corresponding to your ZIP code. This will offer you a detailed snapshot of the expected prices in your area, allowing you to make informed decisions about what you should be paying.
Virginia Cheapest and Most Expensive Monthly Auto Insurance Rates by City & Providers
| Cheapest ZIP Codes | City | Rate by ZIP Codes | Most Expensive Company | Most Expensive Rate | Second Most Expensive Company | Second Most Expensive Rate | Cheapest Company | Cheapest Rate | Second Cheapest Company | Second Cheapest Rate |
|---|---|---|---|---|---|---|---|---|---|---|
| 24450 | Lexington | $168 | Allstate | $250 | Progressive | $171 | USAA | $137 | Nationwide | $137 |
| 22802 | Harrisonburg | $169 | Allstate | $251 | Progressive | $161 | USAA | $135 | State Farm | $150 |
| 24401 | Staunton | $169 | Allstate | $254 | Geico | $160 | USAA | $137 | Nationwide | $154 |
| 22815 | Broadway | $170 | Allstate | $251 | Progressive | $171 | USAA | $135 | State Farm | $142 |
| 24060 | Blacksburg | $170 | Allstate | $252 | Progressive | $180 | USAA | $131 | Geico | $139 |
| 22840 | Mc Gaheysville | $170 | Allstate | $250 | Progressive | $164 | USAA | $135 | State Farm | $152 |
| 22834 | Linville | $170 | Allstate | $251 | Progressive | $175 | USAA | $135 | State Farm | $139 |
| 22853 | Timberville | $170 | Allstate | $251 | Progressive | $178 | USAA | $135 | State Farm | $138 |
| 24416 | Buena Vista | $170 | Allstate | $250 | Progressive | $173 | USAA | $137 | Nationwide | $137 |
| 22833 | Lacey Spring | $170 | Allstate | $250 | Progressive | $167 | USAA | $135 | State Farm | $151 |
| 24073 | Christiansburg | $170 | Allstate | $252 | State Farm | $170 | Geico | $139 | USAA | $140 |
| 22812 | Bridgewater | $170 | Allstate | $254 | Progressive | $166 | USAA | $135 | State Farm | $149 |
| 22801 | Harrisonburg | $170 | Allstate | $254 | Progressive | $163 | USAA | $135 | State Farm | $153 |
| 22939 | Fishersville | $170 | Allstate | $254 | Progressive | $169 | USAA | $135 | State Farm | $150 |
| 24471 | Port Republic | $171 | Allstate | $254 | Progressive | $166 | USAA | $135 | State Farm | $151 |
| 22821 | Dayton | $171 | Allstate | $254 | Progressive | $166 | USAA | $135 | State Farm | $151 |
| 22841 | Mount Crawford | $171 | Allstate | $254 | Progressive | $163 | USAA | $135 | State Farm | $154 |
| 22830 | Fulks Run | $171 | Allstate | $251 | Progressive | $173 | USAA | $135 | State Farm | $147 |
| 22848 | Pleasant Valley | $171 | Allstate | $251 | Progressive | $170 | USAA | $135 | State Farm | $151 |
| 22803 | Harrisonburg | $171 | Allstate | $251 | Progressive | $169 | USAA | $137 | State Farm | $151 |
| 24141 | Radford | $171 | Allstate | $256 | Progressive | $176 | Geico | $139 | USAA | $140 |
| 22811 | Bergton | $171 | Allstate | $251 | Progressive | $174 | USAA | $135 | State Farm | $147 |
| 24435 | Fairfield | $171 | Allstate | $250 | Progressive | $188 | USAA | $137 | Nationwide | $137 |
| 24486 | Weyers Cave | $171 | Allstate | $254 | Progressive | $169 | USAA | $137 | Nationwide | $154 |
| 22824 | Edinburg | $171 | Allstate | $251 | Progressive | $165 | USAA | $136 | State Farm | $152 |
In Virginia, the cheapest and most expensive auto insurance rates vary significantly by city and insurance company. Lexington has the lowest rates, starting at $137 with USAA, while the most expensive rates are $256 in Radford with Allstate.
Allstate consistently offers the highest rates across various cities, while USAA and Nationwide frequently provide the lowest rates. For example, in Lexington, the rate difference between the cheapest (USAA) and the most expensive (Allstate) is $113. This trend is observed in other cities, with rates varying depending on the insurer and the location.
Virginia Cheapest and Most Expensive Monthly Auto Insurance Rates by City & Providers
| Most Expensive ZIP Codes | City | Rate by ZIP Code | Most Expensive Company | Most Expensive Rate | Second Most Expensive Company | Second Most Expensive Rate | Cheapest Company | Cheapest Rate | Second Cheapest Company | Second Cheapest Rate |
|---|---|---|---|---|---|---|---|---|---|---|
| 22312 | Alexandria | $20 | Allstate | $359 | Progressive | $249 | USAA | $184 | Geico | $196 |
| 22041 | Falls Church | $20 | Allstate | $359 | State Farm | $263 | Geico | $178 | USAA | $184 |
| 22151 | Springfield | $20 | Allstate | $366 | Progressive | $246 | USAA | $181 | Geico | $196 |
| 22311 | Alexandria | $20 | Allstate | $349 | State Farm | $262 | Geico | $178 | USAA | $184 |
| 22003 | Annandale | $20 | Allstate | $366 | Progressive | $245 | Geico | $178 | USAA | $182 |
| 22150 | Springfield | $20 | Allstate | $359 | Progressive | $243 | USAA | $171 | Geico | $196 |
| 22309 | Alexandria | $19 | Allstate | $349 | State Farm | $245 | USAA | $188 | Geico | $196 |
| 23222 | Richmond | $19 | Allstate | $295 | State Farm | $263 | USAA | $178 | Nationwide | $219 |
| 22153 | Springfield | $19 | Allstate | $353 | State Farm | $240 | USAA | $172 | Geico | $196 |
| 22060 | Fort Belvoir | $19 | Allstate | $349 | State Farm | $243 | USAA | $171 | Geico | $196 |
| 22306 | Alexandria | $19 | Allstate | $349 | Progressive | $237 | USAA | $178 | Geico | $196 |
| 22079 | Lorton | $19 | Allstate | $362 | State Farm | $238 | USAA | $177 | Geico | $196 |
| 22044 | Falls Church | $19 | Allstate | $340 | State Farm | $247 | Geico | $178 | USAA | $184 |
| 22081 | Merrifield | $19 | Allstate | $362 | Progressive | $248 | Geico | $168 | USAA | $177 |
| 22015 | Burke | $19 | Allstate | $352 | Progressive | $241 | Geico | $178 | USAA | $180 |
| 22103 | West Mclean | $19 | Allstate | $343 | Progressive | $237 | USAA | $181 | Geico | $200 |
| 22304 | Alexandria | $19 | Allstate | $349 | State Farm | $236 | USAA | $180 | Geico | $196 |
| 22152 | Springfield | $19 | Allstate | $352 | Progressive | $239 | Geico | $178 | USAA | $179 |
| 22310 | Alexandria | $19 | Allstate | $349 | Progressive | $238 | USAA | $174 | Geico | $181 |
| 23223 | Richmond | $19 | Allstate | $299 | State Farm | $252 | USAA | $179 | Geico | $204 |
| 23224 | Richmond | $19 | Allstate | $284 | State Farm | $240 | USAA | $175 | Nationwide | $219 |
| 22039 | Fairfax Station | $19 | Allstate | $335 | State Farm | $244 | Geico | $175 | USAA | $176 |
| 22191 | Woodbridge | $19 | Allstate | $337 | State Farm | $232 | USAA | $178 | Nationwide | $186 |
| 22204 | Arlington | $19 | Allstate | $349 | State Farm | $227 | USAA | $178 | Geico | $196 |
| 22026 | Dumfries | $19 | Allstate | $333 | Progressive | $243 | USAA | $175 | Nationwide | $186 |
In Virginia, auto insurance rates vary widely by city and provider. For example, in Alexandria (22312), Allstate’s rate is $359, while USAA offers $184. Falls Church (22041) sees Allstate at $359 and Geico at $178.
Generally, Allstate has the highest rates, whereas Geico and USAA often provide the lowest. In Richmond (23222), Allstate’s rate is $295, with USAA at $178. This variation shows the influence of location and provider on insurance costs.
Highest and Lowest Rates by City
When it comes to car insurance rates, where you live can make a significant difference. We’ve gathered data on car insurance rates across various cities in Virginia, highlighting both the least expensive and most expensive locations. For detailed information, refer to our comprehensive report titled “What makes car insurance more expensive?”
Virginia Cheapest and Most Expensive Monthly Auto Insurance Rates by City & Providers
| Cheapest City | Rate by City | Most Expensive Company | Most Expensive Rate | Second Most Expensive Company | Second Most Expensive Rate | Cheapest Company | Cheapest Rate | Second Cheapest Company | Second Cheapest Rate |
|---|---|---|---|---|---|---|---|---|---|
| East Lexington | $168 | Allstate | $250 | Progressive | $171 | USAA | $137 | Nationwide | $137 |
| Broadway | $170 | Allstate | $251 | Progressive | $171 | USAA | $135 | State Farm | $142 |
| Blacksburg | $170 | Allstate | $252 | Progressive | $180 | USAA | $131 | Geico | $139 |
| Massanutten | $170 | Allstate | $250 | Progressive | $164 | USAA | $135 | State Farm | $152 |
| Linville | $170 | Allstate | $251 | Progressive | $175 | USAA | $135 | State Farm | $139 |
| Timberville | $170 | Allstate | $251 | Progressive | $178 | USAA | $135 | State Farm | $138 |
| Fishersville | $170 | Allstate | $254 | Progressive | $162 | USAA | $136 | State Farm | $153 |
| Buena Vista | $170 | Allstate | $250 | Progressive | $173 | USAA | $137 | Nationwide | $137 |
| Lacey Spring | $170 | Allstate | $250 | Progressive | $167 | USAA | $135 | State Farm | $151 |
| Christiansburg | $170 | Allstate | $252 | State Farm | $170 | Geico | $139 | USAA | $140 |
| Bridgewater | $170 | Allstate | $254 | Progressive | $166 | USAA | $135 | State Farm | $149 |
| Port Republic | $171 | Allstate | $254 | Progressive | $166 | USAA | $135 | State Farm | $151 |
| Dayton | $171 | Allstate | $254 | Progressive | $166 | USAA | $135 | State Farm | $151 |
| Mount Crawford | $171 | Allstate | $254 | Progressive | $163 | USAA | $135 | State Farm | $154 |
| Fulks Run | $171 | Allstate | $251 | Progressive | $173 | USAA | $135 | State Farm | $147 |
| Pleasant Valley | $171 | Allstate | $251 | Progressive | $170 | USAA | $135 | State Farm | $151 |
| Belview | $171 | Allstate | $256 | Progressive | $176 | Geico | $139 | USAA | $140 |
| Bergton | $171 | Allstate | $251 | Progressive | $174 | USAA | $135 | State Farm | $147 |
| Harrisonburg | $171 | Allstate | $257 | Progressive | $166 | USAA | $136 | State Farm | $151 |
| Fairfield | $171 | Allstate | $250 | Progressive | $188 | USAA | $137 | Nationwide | $137 |
| Weyers Cave | $171 | Allstate | $254 | Progressive | $169 | USAA | $137 | Nationwide | $154 |
| Edinburg | $171 | Allstate | $251 | Progressive | $165 | USAA | $136 | State Farm | $152 |
| Mount Sidney | $171 | Allstate | $254 | Progressive | $170 | USAA | $137 | Nationwide | $154 |
| Woodstock | $171 | Allstate | $251 | Progressive | $167 | USAA | $136 | State Farm | $151 |
| Stuarts Draft | $172 | Allstate | $250 | Progressive | $178 | USAA | $135 | State Farm | $153 |
Overall, East Lexington, Broadway, and Blacksburg are among the cities with the lowest average monthly rates, while Harrisonburg and Fairfield have some of the highest rates.
Virginia Cheapest and Most Expensive Monthly Auto Insurance Rates by City & Providers
| Most Expensive Cities in Virginia | Rate by City | Most Expensive Company | Most Expensive Rate | Second Most Expensive Company | Second Most Expensive Rate | Cheapest Company | Cheapest Rate | Second Cheapest Company | Second Cheapest Rate |
|---|---|---|---|---|---|---|---|---|---|
| Bailey's Crossroads | $238 | Allstate | $359 | State Farm | $263 | Geico | $178 | USAA | $184 |
| Kings Park | $238 | Allstate | $366 | Progressive | $246 | USAA | $181 | Geico | $196 |
| Springfield | $235 | Allstate | $359 | Progressive | $243 | USAA | $171 | Geico | $196 |
| Mount Vernon | $234 | Allstate | $349 | State Farm | $245 | USAA | $188 | Geico | $196 |
| Fort Belvoir | $233 | Allstate | $349 | State Farm | $243 | USAA | $171 | Geico | $196 |
| Annandale | $232 | Allstate | $356 | Progressive | $237 | Geico | $178 | USAA | $182 |
| Merrifield | $231 | Allstate | $362 | Progressive | $248 | Geico | $168 | USAA | $177 |
| East Highland Park | $231 | Allstate | $297 | State Farm | $257 | USAA | $179 | Geico | $213 |
| Burke | $231 | Allstate | $352 | Progressive | $239 | USAA | $177 | Geico | $184 |
| West Mclean | $231 | Allstate | $343 | Progressive | $237 | USAA | $181 | Geico | $200 |
| Crosspointe | $230 | Allstate | $349 | State Farm | $241 | USAA | $176 | Geico | $185 |
| Cherry Hill | $228 | Allstate | $335 | Progressive | $237 | USAA | $176 | Nationwide | $186 |
| Franconia | $228 | Allstate | $349 | Progressive | $235 | USAA | $173 | Geico | $181 |
| Fleet | $228 | Allstate | $301 | Progressive | $259 | Nationwide | $184 | USAA | $196 |
| Dumfries | $228 | Allstate | $333 | Progressive | $236 | USAA | $180 | Nationwide | $186 |
| Dale City | $228 | Allstate | $340 | State Farm | $239 | USAA | $177 | Nationwide | $186 |
| Huntington | $228 | Allstate | $349 | State Farm | $232 | USAA | $176 | Geico | $181 |
| Triangle | $225 | Allstate | $341 | State Farm | $225 | USAA | $178 | Nationwide | $186 |
| Alexandria | $225 | Allstate | $352 | State Farm | $224 | Geico | $175 | USAA | $178 |
| Fort Hunt | $225 | Allstate | $349 | State Farm | $228 | Geico | $167 | USAA | $187 |
| County Center | $224 | Allstate | $337 | State Farm | $220 | USAA | $180 | Nationwide | $186 |
| Fairfax | $224 | Allstate | $341 | Progressive | $240 | USAA | $172 | Geico | $178 |
| Great Falls | $224 | Allstate | $338 | Progressive | $214 | USAA | $182 | Nationwide | $194 |
| Fair Lakes | $223 | Allstate | $340 | Progressive | $226 | Geico | $175 | USAA | $176 |
| Greenway | $223 | Allstate | $338 | State Farm | $214 | Geico | $181 | USAA | $181 |
As you can see from the tables, where you live can impact your wallet when purchasing auto insurance. Folks in rural areas pay hundreds less than those in a major city like Mount Vernon.
Compare Virginia Car Insurance Companies
Can you really save money with a 15-minute phone call? We’ve heard this and other funny commercials from insurance companies so often we can sing their jingles by heart. What states do not require car insurance?
Car insurance is mandatory in all states except one, New Hampshire, so why do insurance providers spend so much on advertising and trying to be funny? Are they hiding something? What’s really behind the catchy jingles of most insurance companies? But who wants to spend time doing all of that searching?
USAA is the premier choice for Virginia car insurance, combining affordability with top-notch service.
Kristen Gryglik Licensed Insurance Agent
That’s why we’ve done all of the work for you and researched the best insurance carriers in Virginia so that you can make the best choice for your situation. We can even show you which companies dominate the market. Keep reading to learn about Virginia’s auto insurance providers.
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Companies With the Most Complaints in Virginia
Keep in mind that a high complaint index doesn’t necessarily mean you should avoid a company. Make sure to also look at a company’s customer satisfaction ratings because how a company deals with complaints is also important.
| Insurance Company | Total Complaints | Complaint Ratio |
|---|---|---|
| Allstate | 163 | 0.50 |
| Erie | 22 | 0.70 |
| Geico | 2 | 0.00 |
| Liberty Mutual | 222 | 5.95 |
| Nationwidw | 25 | 0.28 |
| Progressive | 120 | 0.75 |
| State Farm | 1,482 | 0.44 |
| Travelers | 2 | 0.09 |
| USAA | 2 | 0.00 |
| Virginia Farm Bureau | 1 | 0.69 |
If a car insurance company’s complaint index is lower than one, they are better than the average. If the index is higher than one, they are worse than the average. Progressive and Liberty Mutual have the highest complaint ratios out of the top ten largest companies. To enhance your understanding, explore our comprehensive resource on insurance titled “Factors That Affect Car Insurance Rates.”
Cheapest Companies in Virginia
Nobody wants to be considered cheap, but when it comes to car insurance, finding cheaper rates is something everyone wants. In order to save you money, make sure you are shopping around for rates. For a comprehensive overview, explore our detailed resource titled “Compare the Cheapest Car Insurance Companies.”
Virginia Auto Insurance Average Monthly Rates Comparison
| Company | Rate | Compared to Virginia (+/-) | Compared to Virginia (%) |
|---|---|---|---|
| Allstate | $282 | $86 | 3% |
| Geico | $172 | -$25 | -1% |
| Nationwide | $173 | -$24 | -1% |
| Progressive | $208 | $12 | 0% |
| State Farm | $189 | -$7 | 0% |
| USAA | $155 | -$42 | -2% |
Looking at different companies can save a lot of money. For example, Geico is $285 below the state average, which, over time, could add up to thousands of dollars saved.
Understanding Auto Insurance Costs in Virginia
By understanding these dynamics, you’ll be better equipped to make informed decisions about your coverage, ensuring it meets your unique needs and circumstances in the Commonwealth of Virginia.
Virginia Car Insurance Laws
Insurance companies are subject to specific rules and regulations. Let’s look at some of the specific laws for consumers regarding car insurance.
- Windshield Coverage: Scratches or cracks larger than specified measurements in the windshield wiper-cleared area or above the bottom three inches require repair.
- High-Risk Insurance: According to Virginia’s DMV, reasons for needing an SR-22 Form include various offenses such as unsatisfied judgments, uninsured vehicle suspension, and serious traffic violations, while DUI or driving with a suspended license require an FR-44 form and higher insurance coverage.
- Low-Cost Insurance: Some states have programs set up for those who receive benefits from government assistance programs, or those who have a combined family income that is below the poverty level. Car insurance for welfare recipients can be hard to find sometimes.
- Automobile Insurance Fraud in Virginia: This includes creating claims for non-existent damages or injuries and inflating legitimate claims, can result in fines or jail time, and in 2018, the Virginia State Police Insurance Fraud Program reported 931 property fraud notifications and 188 injury/casualty fraud notifications, leading to 82 arrests.
Whether dealing with windshield repairs, high-risk insurance needs, or avoiding the pitfalls of insurance fraud, staying informed can save drivers from significant legal and financial troubles.
USAA stands out as the top choice for car insurance in Virginia, offering an unparalleled combination of affordability, exceptional customer satisfaction, and reliable coverage tailored to meet the diverse needs of Virginia drivers.
Jeffrey Manola Licensed Insurance Agent
By adhering to these regulations, Virginia drivers can ensure they are adequately protected and compliant with state laws, contributing to safer and more secure roads for everyone.
Virginia Vehicle Licensing and Safety Laws
Virginia mandates real id compliance for federal access and commercial flights. Uninsured drivers must pay a UMV fee or face penalties, and proof of financial responsibility is required during traffic stops and accidents. Teens can get a learner’s permit at 15 and a half, while drivers 75+ must renew licenses every five years with vision proof.
New residents must update insurance to meet state minimums or pay a $500 UMV fee. General license renewals occur every eight years, with proof of vision needed in person. Virginia’s contributory negligence laws affect accident compensation, and seat belt laws require all front-seat passengers and children under 18 to be restrained.
Traffic laws mandate keeping right and adhering to speed limits. Rideshare drivers need appropriate insurance, and DUI laws impose increasing penalties for repeat offenses. Texting and emailing while driving are banned, and Virginia follows a fault-based system for accidents. Check out our ranking of the top providers: Cheap Car Insurance After an At-Fault Accident
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Case Studies: Affordable Car Insurance in Virginia
In today’s fast-paced world, finding affordable and reliable car insurance can be a daunting task, especially with the myriad of options available. For residents of Virginia, the challenge is no different. However, with the right approach and tools, securing the best car insurance rates tailored to individual needs is achievable.
- Case Study #1 – Young Driver Saves Big With USAA’s Low Rates: Sarah, a 22-year-old recent graduate in Richmond, VA, used a free comparison tool and secured a $18/month minimum coverage plan from USAA. This allowed her to save on insurance and allocate more towards student loans and living expenses.
- Case Study #2 – Family Man Reduces Insurance Costs With Progressive’s Multi-Policy Discount: John bundled his auto and home insurance with Progressive, saving over $300 on his premiums. He still enjoys comprehensive coverage for both.
- Case Study #3 – City Dweller Finds Affordable Coverage With State Farm: Maria secured full vehicle coverage for $43/month from State Farm, the lowest rate for her urban area. This gave her peace of mind driving in Alexandria, Virginia.
- Case Study #4 – Senior Citizen Benefits From Geico’s Competitive Rates: Robert, a 70-year-old retiree in Fairfax, Virginia, used a comparison tool to find that Geico offered him the most competitive rates, securing full coverage for $50/month. This allowed him to stay within his budget while ensuring adequate coverage.
- Case Study #5 – New Driver in Virginia Navigates Insurance Options With Nationwide: Emily, a 16-year-old new driver in Virginia Beach, secured a minimum coverage policy from Nationwide for $60/month, which included accident forgiveness. This provided necessary coverage and peace of mind for her parents.
These case studies underscore the importance of utilizing comparison tools and shopping around to find the best car insurance rates tailored to individual needs.
USAA is the premier choice for Virginia drivers, offering an exceptional combination of affordability, reliability, and superior customer satisfaction, making it the best option for comprehensive and budget-friendly car insurance coverage.
Brandon Frady Licensed Insurance Agent
Whether you’re a young driver, a family man, a city dweller, a senior citizen, or a new driver, there are options available that can significantly lower your car insurance costs. Take a look at our list of the top providers: Best Senior Citizen Car Insurance Discounts
Summary: Cheapest Car Insurance Companies in Virginia
For Virginia drivers seeking affordable car insurance, USAA, Progressive, and State Farm lead the list, offering rates starting at $18/month. These companies provide a balance of affordability, customer satisfaction, and financial stability. Virginia’s minimum coverage requirements are $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage.
Comparing quotes from multiple providers is essential to find the best rates, considering factors like location, age, and driving record. Enhance your coverage with options like gap insurance, personal umbrella policies, and rental reimbursement for added protection. To expand your knowledge, refer to our comprehensive handbook titled “Average Car Insurance Rates by Age and Gender.”
Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.
Frequently Asked Questions
Who has the cheapest car insurance rates in Virginia?
USAA offers the cheapest car insurance rates in Virginia, starting at $18 per month for minimum coverage. However, this is available only to military members and their families. For others, Progressive and State Farm are also among the most affordable providers.
Who typically has the cheapest car insurance?
Generally, USAA and Geico are known for offering the most affordable car insurance rates nationwide. However, rates can vary significantly based on individual circumstances, such as driving history and location.
Ready to find cheaper car insurance coverage? Enter your ZIP code below to begin.
What is the lowest form of car insurance?
The lowest form of car insurance is liability insurance, which covers damages and injuries you cause to others in an accident. In Virginia, the minimum requirements are $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage.
For a thorough understanding, refer to our detailed analysis titled “Compare Liability Car Insurance: Rates, Discounts, & Requirements.”
What is the state minimum for car insurance in Virginia?
Virginia’s minimum car insurance requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.
What is the cheapest category for car insurance?
Minimum liability coverage is typically the cheapest category for car insurance. It meets the state’s legal requirements and is less expensive than comprehensive or collision coverage.
At what age is car insurance cheapest?
Car insurance rates generally become cheaper for drivers in their mid-30s to early 50s. Rates typically start to decline after the age of 25, assuming a good driving record, and continue to decrease until drivers reach around 55.
To delve deeper, refer to our in-depth report titled “Compare Car Insurance Rates by Vehicle Make and Model.”
What car insurance is the cheapest for full coverage?
USAA often provides the cheapest rates for full coverage, but for those who are not eligible, Geico and State Farm offer competitive rates for full coverage, which includes liability, collision, and comprehensive insurance.
What insurance is mandatory in Virginia?
In Virginia, the mandatory insurance includes liability insurance with the state minimum limits or payment of a $500 Uninsured Motor Vehicle (UMV) fee. However, the UMV fee does not provide insurance coverage.
What is the new law in Virginia about car insurance?
As of recent updates, Virginia now requires higher minimum liability coverage limits: $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage per accident. This change aims to provide better protection for drivers involved in accidents.
To learn more, explore our comprehensive resource on insurance titled “Minimum Car Insurance Requirements by State.”
Did car insurance go up in Virginia?
Yes, car insurance rates in Virginia have increased recently due to various factors, including higher repair costs, increased claims, and changes in state minimum coverage requirements. Comparing quotes from multiple providers can help find the best rates.
See if you’re getting the best deal on car insurance by entering your ZIP code below.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
