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Compare car insurance in Virginia

Get the cheapest car insurance in Virginia for 2020


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Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

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

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Virginia car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.

Compare up to 4 providers

Company Direct premiums written (billions) Market share
Geico $1,089,741 18.9%
State Farm $918,303 16%
USAA $763,965 13.30%
Progressive $583,336 10.10%
Allstate $541,477 9.40%
Nationwide $411,037 7.10%
Erie $226,053 3.90%
Liberty Mutual $150,296 2.60%
Travelers $130,820 2.30%
VA Farm Bureau $124,259 2.20%

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 Read review
$1,606 Get a quote
$1,994 Get a quote Read review
$2,208 Read review
$2,340 Read review
$2,456 Get a quote
$3,576 Get a quote Read review
$3,695 Get a quote Read review
$5,719 Get 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

Company Annual 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

Company Annual 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

Company Annual 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

Company Annual 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

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

Car insurance quotes in Norfolk

Company Annual 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

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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.

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Frequently asked questions about Virginia car insurance

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