Cheap car insurance in Virginia

How to get the best car insurance in Virginia

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Virginia

Car insurance quick facts

25/50/20

Minimum liability requirements

$1,250

Average annual car insurance cost

60

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support

Compare Virginia car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

Most popular Virginia auto insurance companies list

CompanyDirect premiums written (billions)Market share
Geico$1,089,74118.9%
State Farm$918,30316%
USAA$763,96513.30%
Progressive$583,33610.10%
Allstate$541,4779.40%
Nationwide$411,0377.10%
Erie$226,0533.90%
Liberty Mutual$150,2962.60%
Travelers$130,8202.30%
VA Farm Bureau$124,2592.20%

Average car insurance costs in Virginia

Virginia is one of the cheapest states in the country to get car insurance, at least for most drivers. The state’s drivers pay an average of $1,050 annually; for reference, the national average is between $1,200 and $1,250.

However, because individual car insurance plans are affected by so many different factors, you could still end up paying significantly more or less than your state’s average. And it will also depend on which Virginia city you live in.

Cheapest car insurance in Virginia

Company Average annual rate Learn more
$1,066
$1,413
$1,606
$1,614
$1,994
$2,208
$2,340
$2,456
$3,576
$3,695
$4,326
$5,719

Which city has the cheapest car insurance in Virginia?

Of Virginia’s 6 largest cities, Roanoke had the cheapest rates and Richmond had the most expensive car insurance rates. Richmond drivers could face rates almost twice as high as Roanoke drivers.

Why are these rates so different? Larger cities have more traffic and higher risk of collisions, so typically car insurance rates rise the closer you get to a big city. Your rates will also change depending on your ZIP code and neighborhood.

Car insurance quotes in Richmond

CompanyAnnual car insurance rate
Allstate$2,749
Esurance$6,227
Kemper$3,179
State Farm$3,797
Chubb$4,138
Geico$2,302
Travelers$3,215
Progressive$3,119

Car insurance quotes in Roanoke

CompanyAnnual car insurance rate
Allstate$2,248
Metromile$1,037
Progressive$1,584
State Farm$1,257
USAA$2,017
Erie$809
Donegal$3,878

Car insurance quotes in Virginia Beach

CompanyAnnual car insurance rate
Allstate$2,280
Progressive$1,384
Erie$809
State Farm$1,341
USAA$1,962
Donegal$3,878
Metromile$999

Car insurance quotes in Arlington

CompanyAnnual car insurance rate
State Farm$1,000
USAA$1,406
Preferred Mutual$1,182
Plymouth Rock$2,454
Pure$2,704

Car insurance quotes in Alexandria

CompanyAnnual car insurance rate
Erie$821
Metromile$1,089
State Farm$1,308
Progressive$1,486
USAA$1,981

Car insurance quotes in Norfolk

CompanyAnnual car insurance rate
Erie$809
Metromile$1,037
State Farm$1,257
Progressive$1,584
USAA$2,017

Virginia’s car insurance minimum requirements

Your car insurance policy must include this coverage. When shopping for car insurance, you’ll sometimes see this written as 25/50/20.

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $20,000 in property damage liability per accident.

You’re also required to purchase uninsured/underinsured motorists coverage, which must include at least:

  • $25,000 in uninsured/underinsured motorist bodily injury per person.
  • $50,000 in uninsured/underinsured motorist bodily injury per accident.
  • $20,000 in uninsured/underinsured motorist property damage per accident.

Do I need SR-22 insurance in Virginia?

After a DUI or getting caught driving uninsured, you might be required to get SR-22 insurance. To get your driving credentials back, you’ll need to pay a $500 fine, a $145 to $220 reinstatement fee and maintain proof of SR-22 insurance in Virginia for three years. SR-22 holders are legally required to purchase car insurance.

Case study: Adrienne’s experience

profile pic

Adrienne Fuller

Head of Publishing

On updating my address from Colorado to Virginia, my car insurance rates dropped about $20 a month — even though I lived in a rural area and put more miles on my car than I did when I lived in Colorado.

Virginia may have cheaper car insurance than other states, but I’m glad I didn’t have to use it while I lived there. The DMV experience was easy: I didn’t have to retake the driver test, and scheduling my appointment meant I didn’t have to wait long. In Virginia, passenger cars require smog tests in only a handful of counties and cities, so I didn’t have to do that either.

Overall, the process of registering and insuring a car in Virginia was cheap and easy compared to other states I’ve lived in (ahem, California)

Bottom line

Regardless of whether you choose to buy car insurance or pay the uninsured driver’s fee, make sure that you research your options. Weigh your lifestyle with your safety concerns and personal finances.

Get the cheapest quotes

Compare car insurance companies near you.

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Frequently asked questions about Virginia car insurance

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

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Compare more car insurance companies

Company Annual car insurance rate
Allstate $3,422
Progressive $2,650
Liberty Mutual $3,529
State Farm $1,000
USAA $1,406
Norfolk & Dedham $2,881
Company Annual car insurance rate
Allstate $2,730
Progressive $1,486
State Farm $1,308
USAA $1,981
Donegal $2,776
Metromile $1,089
Erie $821
Company Annual car insurance rate
Allstate $2,248
Progressive $1,584
State Farm $1,257
USAA $2,017
Donegal $3,878
Metromile $1,037
1st Offense 2nd Offense 3rd Offense
Jail 5 days minimum 20 days up to 1 year 6 months minimum
Fines and Penalties $250 minimum $500 minimum $1,000 minimum
License Suspension 1 year 3 years Indefinitely
IID Required Yes, if BAC exceeds 0.15% Yes Yes
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