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Cheap car insurance in Virginia

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How to get the best car insurance in Virginia

If shopping for car insurance is intimidating, it helps to start with your state’s requirements for insurance. To legally drive in Virginia, you need to either satisfy the state’s auto insurance minimum or pay a fee to the DMV. Compare minimum insurance requirements in Virginia and find the best rates on car insurance.

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

Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

  • 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
Promoted

Compare Virginia car insurance

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
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. Available in 24 states.
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.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

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.

Best car insurance in Virginia

Among the national brands. the best car insurance companies for Virginia drivers include Geico, Progressive and State Farm. Geico and Progressive both offer cheap rates and a convenient online experience. You’ll also get a wide range of coverage and discount options from both, plus extra military discounts from Geico. State Farm offers similarly low rates and comprehensive options and is a great pick if you prefer to work with your own agent.

You can also find cheap rates and great customer service from smaller, regional providers like Kemper, Erie and Metromile. Erie’s known for its top-rated customer support from local agents who will help you customize and manage your policy. Metromile promises to save safe drivers hundreds on their annual insurance with its pay-as-you-go car insurance. And Kemper rewards loyal drivers with heavy discounts even if they’re new to Kemper.

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.

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)

What optional coverage can I get in Virginia?

Roadside assistance in Virginia

Many Virginia insurance companies offer roadside assistance as an optional extra, and a few offer it free, typically when you buy collision and comprehensive coverage. Welcome to Virginia, home to some of the worst roads in the country. It ranked #5 for worst maintained streets in a recent study by 24/7 Wall Street. From the crazy traffic patterns and steep roads to potholes and constant construction, Virginia is placed to face the worst of weather, terrain and climate. But the good news is roadside assistance can help in a pinch if you’re stuck with a flat tire or spin out in a ditch from black ice.

What if I don’t want insurance in Virginia?

You’ll pay a $500 fee to drive uninsured in Virginia for up to 12 months. But if you’re in an accident, you’ll pay for all damages and injuries you’re found responsible for after any kind of accident. Since the costs of an accident typically add up to a lot more than a year’s worth of insurance costs, it’s usually better to just pay for insurance from a cost-savings standpoint.

What happens if I’m driving in Virginia and I don’t have insurance?

If you’re pulled over for a traffic stop or get in an accident, authorities will request to see proof of insurance. Virginia can check this through an electronic system. If your policy with your insurance company runs out, it’s reported to the state.If you’re driving uninsured and haven’t paid the fee to drive uninsured, your driver’s license, license plates and vehicle registration can all be suspended.

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.

Uninsured drivers in Virginia

Even though Virginia residents can drive without insurance, only 10.1% do — which, surprising, is below the 12.6% average. Still, that’s a fair number of drivers that could leave you vulnerable in case of an accident.If you’re looking to better protect yourself from uninsured drivers, consider adding an uninsured or uninsured coverage option to your insurance plan.

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Can I get temporary insurance in Virginia?

You sure can. However, it’s not always offered by major providers, and this kind of coverage tends to cost more than conventional insurance. Temporary coverage can be a great option if you’re only going to be driving during a vacation, or for a month or two at the most — or it can tide you over until you find an insurance policy that works for you. You might need to get temporary coverage if you’ve just bought a car or if you’ve just moved to a new state where your old policy won’t cover new requirements.

Virginia’s drunk driving laws

If you’re caught driving over the limit in this state, you can expect to pay a fine, spend a little time in jail, and lose your license for at least a year — and for any repeat offenders, the consequences get worse each time.

Implied consent law

Virginia, like most states, has an implied consent law. This means by driving on any and all public roadways in Virginia, you’re giving your consent to be tested for alcohol or drugs if a police officer suspects you might be driving under the influence.If you violate this implied consent law by refusing a portable breath test or sobriety test, you can have your license suspended for 1-3 years, even if you were never driving under the influence in the first place. Most lawyers will advise that drivers submit to alcohol breath tests when asked by police for this reason.

What happens after a car accident in Virginia?

  • Safety first. Make sure that everyone involved in the accident is OK. If anyone is injured, call 911 right away. Do your best to stay calm and look out for any other potential dangers, including fires. If no one is injured, call the local police and inform them of what has happened.
  • Exchange information. Get the name, contact information, driver’s license number, address, insurance and car information from the other person involved in the crash.
  • Notify your auto insurance company. Notify your insurance company before you leave the scene of the accident. They’ll be able to walk you through any additional steps you should take to protect your claim.
  • Document the scene. Take note of any potential witnesses, including a police officer, who can help you protect your claim if you need it later. It’s also a good idea to take pictures if any damages or injuries occurred. Try to get multiple angles and perspectives.

Who’s at fault after an accident in Virginia?

Virginia is a tort or at-fault state, so you don’t need personal injury protection coverage. Drivers in at-fault states are responsible for paying any damages they’re found at fault for after an accident.

When should I report an accident to the authorities in Virginia?

If the accident resulted in injury, death or property damage over $1,500, call the police right away. They’ll need to file an accident report. If you’re unsure of how much the property damage will cost or if a sore knee counts as an injury, it’s a good idea to call the police just to be safe.

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

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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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