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Compare car insurance in Virginia

Get the cheapest car insurance in Virginia for 2021

Virginians pay an average of $956.98 annually or about $80 per month for car insurance, according to the National Association of Insurance Commissioners (NAIC). The state is one of the cheapest states in the country to get car insurance — 20% less than the national average. For reference, the countrywide average is around $1,190 per year.

However, this state average uses policies that have state minimum coverage alongside those with higher coverage like comprehensive and collision. Because your individual policy is affected by different factors like your driving record, age or mileage, you could see a higher or lower rate than Virginia’s average.

Virginia car insurance quick facts

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Minimum liability requirements

25/50/20

Average annual car insurance cost according to the NAIC

$956.98

At-fault state

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

Virginia’s state minimum car insurance requirements

To legally drive in Virginia, your car insurance policy must include liability and uninsured or underinsured motorist coverage. You may see the amount of coverage required written as 25/50/20. These amounts are called your coverage limits, and they tell you the maximum amount that your insurance will pay after an accident.

Let’s look at what’s covered by Virginia’s minimum coverage in detail.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries to one person
  • $50,000 for injuries to two or more people per accident

As a Virginia driver, you’ll need to carry at least 25/50 in bodily injury liability, which pays up to $25,000 for medical bills for one person and $50,000 total if you injure multiple people in the same accident. You’ll see these coverage limits in many other states as well.

However, think about adding higher limits to boost your protection. Keep in mind that bodily injury coverage kicks in for injuries to the other driver, passengers or pedestrians. It also helps with legal expenses if someone takes you to court.

Property damage liability

Property damage liability

  • $20,000 for property damage liability

You also need $20,000 to pay for property damage that you cause. This coverage helps with repairing or replacing the other driver’s car or personal property like a smartphone or a property owner’s fencing. This coverage limit is also a standard amount required by other states.

Uninsured or underinsured motorist

Uninsured or underinsured motorist

  • $25,000 for uninsured motorist injuries per person.
  • $50,000 for uninsured motorist injuries to more than one person.
  • $20,000 for uninsured motorist property damage with $200 deductible for hit-and-runs

Virginia is an opt-out state for uninsured or underinsured motorist coverage, but consider keeping this coverage to protect you from accidents caused by drivers with little to no insurance. It also applies in hit-and-run accidents.

In these scenarios, your coverage pays for your car’s damage up to $20,000 or for medical bills for you and your passengers, up to $25,000 for one person and $50,000 for multiple people injured. After a hit-and-run, you’ll pay a $200 deductible for car or personal property damage before your insurance kicks in.

Finder tip: Virginia’s state minimum isn’t enough coverage

These state minimum requirements are standard across states, but they may not pay for all expenses after an accident. For example, if you total another driver’s car that’s worth $40,000, your insurance would pay only $20,000 to replace their car. Try raising your liability limits and adding optional coverage, depending on your budget and driving needs.

In Virginia, the driver at fault pays for damage

Virginia is an at-fault state, which means that the driver responsible for the accident pays for the damage. The insurance companies and legal authorities determine who’s at fault.

However, Virginia law won’t let you receive any payment from the other driver if you’re found partially at fault, according to the legal website Nolo.

For instance, if the other driver is 95% at fault and you’re 5% at fault, you won’t get reimbursed for your damages by the other driver. Instead, you’d file under your own collision or personal injury protection if you bought these optional types of coverage.

7 factors that affect your car insurance premium in Virginia

Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is, the less you pay. And the riskier you are, the more you’ll pay. We’ll break down Virginia’s rating factors to keep in mind.

FactorHow it affects your rates
Age

Age

How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20s with drivers over 50 paying the least.
Gender

Gender

On average, men and women in Virginia pay approximately the same amount for car insurance. The average annual premium across all age categories for both men and women is $894.
Location

Location

Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

When it comes to vehicle theft, Virginia comes in well below the national average. For every 100,000 inhabitants, approximately 126.3 vehicles were stolen, according to Statista. The national average across the US is 246 cars for every 100,000 inhabitants.

As for uninsured drivers, 10.5% of Virginians on the road are uninsured. That ranks the state 31st out of 50 states for uninsured drivers, according to Insurance Information Institute.

Driving Record

Driving Record

The better your record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. A DUI in Virginia can increase your rate by an average of 52%. These types of violations typically stay on your record for about five years.

Virginia drivers with a clean driving record pay approximately $900 annually while Virignia drivers with an at-fault collision pay approximately $1,338.

Vehicle and mileage

Vehicle and mileage

Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. According to the Bureau of Transportation, Virginians drive around 40.9 miles per day, over the national average of 36.1 miles per day.

Credit score

Credit score

Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

Virginia insurers charge the highest coverage rates for drivers with poor credit histories. Drivers with good credit scores could see an annual insurance rate of about $937. These rates rise to about $1,324 with a fair credit score and approximately $1,609 for those with poor credit.

Coverage

Coverage

The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. If you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too. Higher deductibles mean lower monthly premiums.

Low coverage costs in Virginia average to about $384 yearly, whereas high coverage can be anywhere around $906 on average.

Coverage that we recommend in Virginia

The purpose of your car insurance is to help you recover financially after a car accident. While Virginia requires liability coverage, you need extra protection to cover other kinds of damage. Coverage to look into:

Higher liability limits

Because Virginia requires low limits of 25/50/20 for liability coverage, you should raise those limits for your policy in most cases. Higher limits make sure that all damage you cause is covered by insurance, including legal costs if someone takes you to court.

Talk about how much liability coverage you need with your insurance agent or financial adviser.

Collision

If you’re at fault for an accident, liability coverage doesn’t pay for your car damage — it pays for damage to someone else’s property. You’d have to add collision coverage to your policy if you want insurance to cover your car’s damage.

Consider collision coverage if . . .

  • Your car loan requires it.
  • It costs less than your car’s value.
  • You can’t pay for car repairs or another car on your own
  • You rely on your car for everyday driving.

Comprehensive

Another coverage that helps with many types of damage is comprehensive coverage. While Virginians don’t see as many car thefts as drivers in other states, this coverage kicks in for car theft, vandalism, windshield cracks or weather damage.

Consider this coverage if . . .

  • It’s required for your car loan.
  • You can’t repair or replace your car out of pocket.
  • Your area has a high risk of theft or severe storms.

Personal injury protection (PIP)

While optional in Virginia, personal injury protection can help you pay for your or your passengers’ medical bills, lost income or household services if you get injured. PIP kicks in no matter who’s at fault in the accident.

Consider this coverage if . . .

  • You don’t have health insurance or have a high deductible.
  • You want to make sure that accident-related medical bills are covered.
  • You want coverage for lost income.

Uninsured or underinsured motorist

While Virginia is an opt-out state for uninsured or underinsured motorist coverage, think about keeping this coverage. It helps you recover from damages if you get in an accident with a driver who doesn’t keep the proper insurance.

Consider this coverage if . . .

  • You can’t pay for car repairs or another car on your own.
  • You don’t have health insurance.
  • Your health insurance has high out-of-pocket costs.

Top 10 auto insurance companies in the USA that serve Virginia

See the top insurers by market share nationally that serve in Virginia, according to S&P Global. To help you compare your options, we’ve listed each company’s ratings from top rating agencies, including:

  • The Better Business Bureau (BBB) rating scores how a business interacts with its customers, rating insurers as high as A++.
  • J.D. Power scores companies based on customer satisfaction with their price, billing, claims and customer support. The agency scores out of 1,000 points.
  • The National Association of Insurance Commissioners (NAIC) complaint index shows how a company’s number of complaints compares to similar companies. Scores lower than 1.00 show that the company sees fewer than the average number of complaints. Scores above 1.00 show more complaints than average.
  • Our Finder score rates companies based on their coverage, discounts as well as the BBB, J.D. Power and NAIC ratings.
Provider
BBB Rating
JD Power Rating
NAIC complaint ratio
National market share %
Finder score
Go to site
State Farm
A+
847/1000
1.93
16.2

★★★★★ 4/5

Read review

Geico
A+
832/1000
1.42
13.6

★★★★★ 4/5

Read review

Progressive
A+
830/1000
1.05
13.3

★★★★★ 4/5

Get Quotes
Allstate
A+
827/1000
2.71
10.4

★★★★★ 4/5

Get Quotes
USAA
A+
884/1000
1.9
6.3

★★★★★ 4/5

Get Quotes
Farmers
A-
820/1000
1.64
4.9

★★★★★ 4/5

Read review

Liberty Mutual
A+
827/1000
2.2
4.7

★★★★★ 4/5

Get Quotes
Nationwide
A+
814/1000
2.08
2.3

★★★★★ 4/5

Read review

Travelers
A+
820/1000
3.28
2

★★★★★ 4/5

Read review

Kemper
A+
784/1000
6.42
1.5

★★★★★ 3/5

Read review

Cheapest car insurance in Virginia

CompanyAverage annual rateLearn more
$1,066Read review
$1,413
$1,606Get a quote Read review
$1,614
$1,994Get a quote Read review
$2,208Read review
$2,340
$2,456Get a quote
$3,576Get a quote Read review
$3,695
$4,326
$5,719Get a quote Read review

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
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

Compare car insurance providers in Virginia

Name Product Gap insurance Homeowner discount Telematics Has an app?
Allstate
Yes
Yes
Drivewise
Yes
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
No
No
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
No
Yes
Telematics only
Yes
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Branch
Yes
No
Yes
Yes
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
USAA
No
Yes
SafePilot
Yes
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Metromile
No
No
Telematics only
Yes
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
Liberty Mutual
Yes
Yes
RightTrack
Yes
Earn free accident forgiveness after five years claims-free and customize your policy anytime.

Speak to an agent: 877-336-0538

Nationwide
Yes
No
Yes
Yes
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Savvy
Yes
Depends on provider
No
Yes
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
AAA
Yes
Yes
No
Yes
Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
Elephant
loan/lease coverage
Yes
No
No
Get a great deal online with steep discounts and some of the highest liability limits available.
State Farm
No
Yes
Drive Safe and Save
Yes
Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

Speak to an agent: 877-745-0232

Allied
Yes
Yes
Nationwide SmartRide
No
Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
Assurance
Yes
Yes
No
Yes
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Compare up to 4 providers

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

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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.

Frequently asked questions about Virginia car insurance

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