Phone: 1-(855) 233-7818

Are you currently insured? Yes         No

Start Quote

Virginia Cheapest Auto Insurance, Minimum Coverage, & Uninsured Motorist Fee

If you are in the market for the cheapest auto insurance in Virginia then your best options are going to be with USAA, Travelers, GEICO, and Erie.

All four carriers are able to provide quotes from 18% to over 35% lower than the median rate for drivers of similar age and profile.

Other carriers which are extremely competitive are Mid Century, Virginia Farm Bureau, and Garrison Property & Casualty.

All three are can provide drivers with a tailored premium which is 14% to 26% lower than the median rate for similar profiled drivers.

In this article we conducted a study of 24 national and local insurers to find out which on average is providing the lowest premium.

We are going to cover the minimum auto insurance requirements in Virginia, the common amount of coverage, the overall cheapest & best carriers, and strategies for more cost savings ideas.

If you would like to skip to a certain portion of the article we have provided a table of contents for you.

Virginia lowest premium prices for 25 y/oNote: The lowest policy options for a 25 year old driver are USAA, Travelers, and GEICO. Clustering between $1,632 and $1,789. For more details please see rate table below.

Virginia Minimum Car Insurance Requirements

The state of Virginia used to be pretty lenient about car insurance requirements.

Times have changed and the state decided to combat the uninsured motorists issues and for those which were falsifying documents stating they had an active auto insurance policy when applying for their registration and license plates.

CoverageVA Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$20,000$50,000
Uninsured Motorist Coverage BIL$25,000 / $50,000$100,000 / $300,000
Uninsured Motorist Coverage PD*$20,000$20,000
Underinsured Motorist CoverageCombined with Uninsured Motorist Combined with Uninsured Motorist
Medical PaymentsOptional$5,000 limit
Comprehensive CoverageOptional$100 deductible
Collision CoverageOptional$250 deductible

*$200 deductible for hit-and-run accidents

Bodily Injury Liability

In Virginia the minimum liability insurance for Bodily Injury Liability is $25,000 for one person or $50,000 for two or more people involved in an auto accident.

Cheapest auto premium options for 30 year old in VANote: As illustrated, a 30 year old can find the lowest prices with USAA and GEICO. The male driver owned a 2013 Toyota Camry, good driving history, and good credit. Please see rate table below for more details.

Property Damage Liability

Property Damage Liability minimum cover is $20,000 which will cover any damage done to private or public property.

Auto premium price comparison for 35 year old.Note: We found the cheapest premiums clustering between $1,176 and $1,300 per year for a 35 year old driver.

Cheapest Insurers by Age & Company in VA

Below are 24 of the cheapest carriers in the state of Virginia by rank for drivers from 25 to 55 years of age.

The top three overall cheapest for drivers with a good driving record are USAA, Travelers, and GEICO.

All three carriers are able to provide quotes from 18% to 35% lower then the median rate.

In some instances they can provide quotes over 40% cheaper depending on the city your reside in.

Erie is a regional carrier in Virginia which is able to provide low quotes as competitive as USAA, Travelers, or GEICO.

Local carriers which are equally competitive are Mid Century, Virginia Farm Bureau, and Garrison Property & Casualty.

All three local carriers are able to provide quotes from 14% to 26% lower than the “mean” rate for drivers of the same age and profile.

Below is provided a list of quotes based on drivers with no traffic violations and good credit.

Virginia CompanyAverage Rate for 25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
USAA$1,632$1,411$1,176$987$843$690
Travelers$1,688$1,454$1,213$1,007$854$699
GEICO$1,789$1,447$1,232$1,032$879$699
Erie$1,823$1,511$1,303$1,056$890$708
Mid Century $1,911$1,533$1,300$1,055$900$709
VA Farm Bureau Mutual$1,948$1,531$1,309$1,067$907$723
Garrison Property and Casualty $1,987$1,565$1,308$1,087$909$743
Progressive$2,004$1,665$1,321$1,124$910$755
Auto-Owners$2,043$1,678$1,343$1,176$921$766
VA Farm Bureau Town & Country$2,021$1,700$1,354$1,178$911$789
Integon Casualty$2,234$1,706$1,387$1,176$932$790
Farmers$2,265$1,765$1,407$1,198$965$754
State Farm$2,328$1,876$1,421$1,190$966$800
Liberty Mutual$2,347$1,876$1,432$1,208$978$806
Nationwide$2,453$1,865$1,454$1,214$987$832
Westfield$2,476$1,887$1,457$1,276$980$821
Allied$2,643$1,879$1,459$1,254$1,009$834
Allstate$2,765$1,921$1,480$1,287$1,030$876
USAA Casualty$2,789$2,211$1,598$1,308$1,044$859
The Hartford$2,865$2,243$1,617$1,312$1,043$890
Safe Auto$2,987$2,254$1,631$1,311$1,067$902
Amica$3,211$2,576$1,719$1,342$1,087$854
Hanover$3,322$2,646$1,809$1,376$1,108$876
21st Century$3,321$2,632$1,933$1,421$1,132$894

Uninsured Motorist Fee

If you do not want to have the minimum coverage in the state of Virginia then you have the option to pay uninsured motorist fee.

You will have to pay $500 to the states Department of Motor Vehicles (DMV) every twelve months.

However, the fee does not provide you with any coverage.

If you are involved in an accident you will be held liable for any damages that may have incurred.

Even though it may seem cost-effective to pay the $500 fee over ninety-eighty percent of drivers prefer to get insurance for their vehicles.

Lowest car premium choices for 40 y/o driverNote: As illustrated, the least expensive is with USAA at $987 per year for 40 year old. Travelers and GEICO and less than $50 more.

Uninsured Motorist Detection in VA

You want to be sure you are covered in the sate of Virginia since they have implemented many monitoring methods to be sure drivers are carrying the minimum coverage for their vehicles.

The state has Electronic Verification which works in concert with the insurance companies, and any time a policy is canceled the insurer will inform the department of motor vehicles.

Least expensive auto premium choices for 45 year old.

The state has Suspected Uninsured Accident policy and if a driver “suspects” another driver has no insurance during the accident he/she can report it to the DMV and the state will take appropriate actions.

The Law Enforcement Notification is another method to detect uninsured motorists which works with over 100 agencies and police officers to find uninsured motorists at roadside checks.

The last method used in Virginia is Police Accidents Reports and although neither motorist may not want to get their insurance companies involved during a minor “fender bender” the police officer requests information to identify potential uninsured motorists.

VA affordable premium options for a 55 y/o

Best Insurers by Consumer Rating, Complaints & Rate Change over 18 Months

Below are the best insurers in Virginia base on the consumer rating, complaints, and the rate change over 12 to 18 month period.

The amount of written premiums are included since the amount of complaints are too.

Any carrier with an extremely high amount of complaints but a low amount of written premiums should throw up a red flag.

This is not the case for any of the insurers below.

The rate change is from 1.6% to approximately 3.0% which is normal.

However, if you get a traffic violation your rate can be increased significantly.

The best thing to do for a the lowest premium possible is to keep a clean driving record.

The consumer ratings are averages from reputable online portals.

Any other data compiled is from JD Power & Associates, AM Best, and the Insurance Information Institute or III.org.

VA CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
USAA$601,932,737+1.6%954.7
Erie$160,015,448 +2.1%184.2
Nationwide$396,846,371 +2.4%424.2
Liberty Mutual$65,319,534+2.2%424.4
MetLife$19,883,591+2.8%43.8
Virginia Farm Bureau$105,965,712 +2.8%23.8
Esurance$32,772,163+2.7%94.3
State Farm$809,251,036+2.5%1104.4
Travelers$56,441,120+2.8%164.5
Victoria Insurance$89,761,971+2.8%94.2
Progressive$382,932,189 +2.2%634.4
Amica$15,854,328+2.2%53.9
Rockingham Group$14,397,820 +2.7%53.9
Allstate$427,588,268+3.0%64.4
Direct General$15,799,200 +2.6%74.3
National General$71,543,771 +2.6%274.4
Hartford$22,494,068+2.6%194.2
Farmers$35,769,120+2.7%44.3
GEICO$775,118,212+2.1%1294.5
Elephant $95,678,893+2.4%404.0

Common Auto Policy for Residents of Virginia:

  • Bodily Injury Liability – $100,000/$300,000
  • Property Damage Liability – $50,000
  • Uninsured Motorist Protection – $100,000/$300,000
  • Medical Payments Coverage – $5,000
  • Comprehensive Coverage – $100 deductible
  • Collision Coverage – $250 deductible

Available Discounts for Drivers

When you are comparing cheap car insurance in Virginia you want to be sure you get a policy which fits your vehicular needs.

Be sure to ask for discounts and many are overlooked such as:

  • Paperless discount
  • Automatic payments from your bank account or credit card.
  • Multipolicy – if you have car, life, homeowners insurance with the same company.
  • Multicar – if you have more than one car on the policy.
  • Anti-theft devices
  • Safety devices
  • Accident free driving for three or more years.
  • Good student for young drivers who have good grades.
  • Low mileage if you drive your car only for pleasure or short distances.
  • Pay your premium in full which can save you twenty percent or more.
  • Ask about services such as Progressive’s Snapshot program to get a personalize discount.

Average Rate by City in Virginia

Below we provide the average quote for drivers in 30 cities across the state of Virginia.

The quotes average from $1,400 to $2,400 per year depending on the city.

There is a significant difference and quotes vary wildly depending on the location.

If you have quotes which are significantly higher you are either a young driver or you may have a violation on your driving record.

The quotes provided are an average across the whole age spectrum of drivers.

If you are an older driver your quotes will be significantly lower.

The details below are provided to show the difference in price from one city to the next.

And to see how well a driver may fair based on the average price for quotes in the city they reside in.

If you would like a detailed comparison for more populous cities in Virginia please read further below.

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Alexandria$2,998153,511Harrisonburg$1,97452,538Reston$2,84358,404
Bristol$1,98717,141Hopewell$1,96322,378 Ruckersville$2,0021,141
Charlottesville$2,10946,597Lynchburg$1,85579,812Salem$2,04725,432
Chesapeake$2,108235,429Manassas$2,73241,764Staunton$2,42824,416
Colonial Heights$2,25417,820Martinsville$2,05413,645Surry$1,822225
Danville$1,98342,082Newport News$2,428182,385Vienna$2,43516,468
Fairfax$2,23224,013Occoquan$2,2411,061Waynesboro$1,95421,491
Falls Church$2,65213,892 Palmyra$1,488104Williamsburg$2,63215,052
Fredericksburg$2,18728,118Portsmouth$2,43696,201Winchester$2,03527,284
Hampton$2,438136,454Radford$1,84317,403Windsor$1,7332,683

Virginia Beach, VA

Lowest Virginia Beach premium choices for 30 an 45 y/o driver.Finding a cheaper auto premium in Virginia Beach is easy if you know where to look.

For military, the lowest is USAA which we queried at $1,165 for a 30 year old.

If not military then Mid Century and Garrison are the most affordable. Each at $1,187 and $1,190 for full coverage and 45% lower than the “mean” rate in Va Beach.

For a 45 year old it is the same three carriers, USAA, Mid Century, and Garrison.

Each we queried at $808, $897, and $900 for a 45 year old driver. Which is well over 50% lower than the “mean” rate of the city.

Out of the 8 carriers we queried the most expensive is Progressive at $1,421 for a 30 year old and $1,043 for a 45 year old driver.

Which is 32% an 48% lower than the average rate within the city.

Virginia Beach Company30 Y/O Driver45 Y/O Driver
USAA$1,165$808
Mid Century $1,187$897
Garrison Property and Casualty $1,190$900
GEICO$1,233$932
Travelers$1,324$954
VA Farm Bureau Mutual$1,376$976
Erie$1,388$1,004
Progressive$1,421$1,043

Virginia Beach is the largest city in the state with nearly 500,000 residents.

In the metropolitan area there are 1.8 million residents. Home to the longest pleasure beach in the world, according to Guinness Book of World Records.

Also, the city is on the southern end of the Chesapeake Bay Bridge Tunnel, the longest bridge-tunnel complex in the world too. 

Known as a party town, Virginia Beach has its share of cultural attractions too, with museums that focus on art, marine science and the area’s military history.

The 20,000-seat Virginia Beach Amphitheater hosts performances of the Virginia Symphony as well as concerts by some of pop music’s biggest acts throughout the year.

The Va Beach area is family friendly and full beach goers which attracts thousands of visitors each year.

Neat Facts about Va Beach

  • Mount Trashmore is one of the largest landfills in the country.
  • Virginia Beach is known mostly as being a resort city or a travel destination spot and as such it has hundreds of hotels, resorts and assortment of motels scattered across the oceanfront.
  • Numerous historical sites, like Cape Henry where the first English colonists landed in 1607, are within a short drive.

Norfolk, VA

Norfolk, VA low-cost premium choices for 30 and 45 year old.

Finding a cheap premium is possible in Norfolk if you get quotes from USAA, Mid Century, and Garrison.

Each queried at $1,245, $1,365, $1,476 per year for a 30 year old. Which is 42% lower than the “mean” rate of $2,544 in Norfolk.

GEICO and Travelers are worth getting quotes from since both carriers are over 30% lower than the average rate.

For a 45 year old driver the best options are USAA, Mid Century, and Garrison.

For military, USAA is 54% lower than the “mean” rate $912.

Mid Century is 52% lower with a quote at $943 while Garrison is less than $40 more with a quote at $976.

Both GEICO and Travelers are over 40% lower than the citywide average rate with quotes at $1,032 and $1,076 respectfully.

The most expensive carrier queried was Progressive. We received quotes at $1,752 for a 30 year old and $1,231 for a 45 year old.

Norfolk Company30 Y/O Driver45 Y/O Driver
USAA$1,245$912
Mid Century $1,365$943
Garrison Property and Casualty $1,476$976
GEICO$1,543$1,032
Travelers$1,587$1,076
VA Farm Bureau Mutual$1,649$1,127
Erie$1,704$1,176
Progressive$1,752$1,231

Norfolk is the second largest city in the state with 250,000 residents. It is part of the metropolitan area of Va Beach with 1.8 million residents.

Norfolk is a cosmopolitan city with colorful history and culture. 

Festivals, attractions, and museums are all reasons millions of visitors make their way to the city and the surrounding area every year.

Its long military history is another reason it is on the map. The Norfolk Naval Base, the world’s largest naval base, and the Norfolk Southern Railway, are both at the heart of this history.

The city has streets that are pedestrian-friendly, restaurants and theaters that are trendy, and white sandy beaches that are only minutes away.

USA Today has named Norfolk at one the nations most “Trendy Towns”.

Roanoke, VA

Roanoke lowest auto policy options for 30 and 45 y/o.If you want to lower your premium in Roanoke then get quotes from Travelers, Virginia Farm Bureau, and Mid Century.

Each queried at $1,166, $1,241, and $1,287 per year for a 30 year old driver.

All three carriers are 46% lower than the “mean” rate of $2,532. Garrison at $1,365 is 38% lower than the average premium.

For a 45 year old the cheapest carriers are Travelers, Virginia Farm Bureau, and Mid Century. Each at $890, $902, an $932 per year for full coverage.

Or more than 50% lower than the citywide average premium.

For any military or former it would be smart to get quotes from USAA. Each query at $1,247 for a 30 year old and $932 for a 45 year old driver.

Roanoke Company30 Y/O Driver45 Y/O Driver
Travelers$1,166$890
VA Farm Bureau Mutual$1,241$902
USAA$1,247$932
Mid Century $1,287$976
Garrison Property and Casualty $1,365$998
GEICO$1,487$1,028
Erie$1,521$1,118
Progressive$1,588$1,174

Founded in 1852 as Big Lick, Roanoke is a city with 100,000 residents. Formerly known as Big Lick from the massive amounts of salt in the area. By 1882 it was established as Roanoke.

The city is popular for it location to the Blue Ridge Parkway, the most visited unit in the National Park System.

It is a favored vacation destination and attracts many international visitors who, like others, take advantage of the many opportunities for camping, hiking, picnicking and biking.

Other notable attractions include, Texas Tavern, Roanoke’s Historical Fire Station #1, St. Andrews Parish, State and National Landmark, Roanoke Historic Farmers Market, Hotel Roanoke, and The Jefferson Center.

Richmond, VA

Richmond, VA inexpensive policy choices for 30 and 45 year old.Richmond is the second highest average premium in the state of Virginia.

To find savings get quotes from Travelers, USAA, and Virginia Farm Bureau.

Each at $1,476, $1,532, and $1,590 per year for a 30 year old.

All three carriers are over 41% lower than the “mean” rate of $2,843. GEICO and Mid Century are more than 30% lower than the “mean” rate at $1,654 and $1,748 respectfully.

For a 45 year old driver the cheapest quotes are with Travelers, USAA, and Virginia Farm Bureau.

Each queried at $1,032, $1,048, and $1,059 per year for full coverage.

Which is 50% lower than the citywide average premium in Richmond.

Richmond Company30 Y/O Driver45 Y/O Driver
Travelers$1,476$1,032
USAA$1,532$1,048
VA Farm Bureau Mutual$1,590$1,059
GEICO$1,654$1,163
Mid Century $1,748$1,179
Garrison Property and Casualty $1,832$1,180
Erie$1,854$1,254
Progressive$1,879$1,311

Richmond is the 4th largest city in the state with 230,000 residents.

There are more than 1.2 million residents within the metropolitan area.

Settlement began in 1607 by Captain James Smith. It became a town by 1742 then incorporated as a city in 1782.

Richmond is also the place of the of Patrick Henry’s famous “Give me liberty or give me death” speech. 

The city is home to museums and battlefields of the American Civil War.

Near the riverfront is the Richmond National Battlefield Park Visitors Center and the American Civil War Center at Historic Tredegar, both housed in the former buildings of the Tredegar Iron Works.

Other notable attractions include, The Edgar Allan Poe Museum, The Pine Camp Arts & Community Center Gallery, and The Elegba Folklore Society.

Alexandria, VA

Alexandria, VA cheapest policy choices for 30 and 45 year oldAlexandria has the highest auto premiums in the state at $2,998.

For a lower premium then get quotes from USAA, Travelers, and Progressive.

We queried each at $1,622, $1,674, and $1,743 per year for a 30 year old driver.

All of which are over 30% lower than the citywide “mean” rate.

GEICO and Virginia Farm Bureau are 25% lower at $1,869 and $1,821 respectfully.

For a 45 year old the cheapest quotes are with USAA, Travelers, and Progressive.

Each queried at $1,178, $1,180, and $1,239 per year for full coverage.

Which is over 50% lower than the citywide average premium.

It would be smart to get quotes from all carriers illustrated for maximum savings and optimum coverage.

Out of the 8 insurers queried the most expensive is Erie at $2,055 for a 30 year old and $1,558 for a 45 year old driver.

Alexandria Company30 Y/O Driver45 Y/O Driver
USAA$1,622$1,178
Travelers$1,674$1,180
Progressive$1,743$1,239
VA Farm Bureau Mutual$1,821$1,365
GEICO$1,869$1,387
Mid Century $1,942$1,411
Garrison Property and Casualty $1,965$1,489
Erie$2,055$1,558

Alexandria is part of a growing Washington metro area that has more than 3 million people.

The city offers colonial charm, a pleasant environment, good schools, plenty of parks and easy access to the nation’s capital.

Some of the best historical, cultural and entertainment attractions in the country are in Alexandria. Many residents and visitors claim it is the best place in Northern Virginia.

Cool Facts about Alexandria

  • At one mile long, King Street is considered one of the “Great Streets of America”.
  • A Civil War tunnel is one of the most popular spots for taking selfies.
  • Old Town is home to the nation’s narrowest house known as “Spite House”.
  • Over 30% of the population is under 30.

Suffolk, VA

Suffolk, VA lowest auto policy choices for 30 and 45 year old.If you want a cheaper auto premium in Suffolk our top three picks are Virginia Farm Bureau, Travelers, and USAA.

Each queried at $1,265, $1,387, and $1,389 per year for a 30 year old driver.

Which is 35% lower than the average rate of $2,129. Progressive and GEICO are 28% lower than the citywide average with quotes at $1,421, and $1,476 respectfully.

For a 45 year old the lowest choice is with Virginia Farm Bureau at $895 or over 50% lower than the “mean” premium in Suffolk.

Travelers is over 50% lower at $925 too. USAA is $30 higher with a quote at $955 per year.

Out of the 8 carriers we queried the two most expensive are Garrison and Erie.

However, both carriers are 34% lower than the “mean” auto premium.

Suffolk Company30 Y/O Driver45 Y/O Driver
VA Farm Bureau Mutual$1,265$895
Travelers$1,387$925
USAA$1,389$955
Progressive$1,421$987
GEICO$1,476$1,043
Mid Century $1,598$1,151
Garrison Property and Casualty $1,657$1,178
Erie$1,730$1,255

Suffolk is a city approximately 30 miles west of Va Beach with 90,000 residents.

It is the birthplace of Mr. Peanut, the famous mascot of Planters Peanuts.

In 1742 the town was established and utilized as a port along the Nansemond River.

It was originally named Constance’s Warehouse. The name was taken from the Royal Governor William Gooch’s home of Suffolk, England.

It was an important transportation center due to the railroads running through the city.

Today, it is flourishing city with wonderful landscapes and colorful history.

Notable attractions include, Heirloom Botanic Garden Boutique, Planters Peanut Center, Southern Gun Works and Museum, and the Suffolk Museum.

Resources & DMV Information
Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
1300 E Main St, Richmond, VA 23219
(804) 371-9741
4975 Alliance Dr, Fairfax, VA 22030
(800) 367-7623
1595 N Main St, Marion, VA 24354
(804) 497-7100
WebsiteWebsiteWebsite
Sources

https://www.scc.virginia.gov/boi

https://www.libertymutual.com/auto/car-insurance-coverage/virginia

https://www.statefarm.com

https://www.esurance.com

http://www.scc.virginia.gov/boi/pubs

http://www.naic.org/documents

https://eapps.naic.org/cis/

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

Comments are closed.