Updated January 7th, 2021
If you are in the market for the cheapest auto insurance in Virginia, your best options will be USAA, Travelers, and Erie.
All three carriers can provide quotes from 18 to over 35% lower than the median rate for drivers of similar age and profile.
Other car insurance companies that are extremely competitive are Mid Century, Virginia Farm Bureau, and Garrison Property & Casualty.
All three can provide drivers with a premium, 14 to 26% lower than the median rate for similar profiles.
This article will cover the minimum auto insurance requirements in Virginia, the overall cheapest & best carriers, and strategies to help you save more on your monthly premium.
If you would like to skip to a certain portion of the article, there is a table of contents down a little and to the right.
Note: The cheapest car insurance for a 25-year-old driver is USAA, Travelers, and GEICO. I queried each at $1,632, $1,688, and $1,789 per year. Which is nearly 29% lower than the median quote for similar profile drivers. For more details, please see the rate table below.
Virginia Minimum Car Insurance Requirements
The state of Virginia used to be pretty lenient about car insurance requirements.
Times have changed.
The state decided to combat the uninsured motorist issues.
Those who were falsifying documents stated they had an active auto insurance policy when applying for their registration and license plates.
| Coverage | Virginia Minimum Liability Coverage | Recommended 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 Coverage | Combined with Uninsured Motorist | Combined with Uninsured Motorist |
| Medical Payments | Optional | $5,000 limit |
| Comprehensive Coverage | Optional | $100 deductible |
| Collision Coverage | Optional | $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.
Note: As illustrated, a 30-year old can find the lowest prices with USAA, GEICO, and Travelers. I queried each at $1,411, $1,447, and $1,454 per year for full coverage. Or approximately 31% lower than the average premium for similar age drivers in Virginia. Please see the rate table below for more details.
Property Damage Liability
Property damage liability minimum coverage is $20,000, covering any damage done to private or public property.
Note: For a 35-year-old driver, the cheapest premiums are with USAA, Travelers, and GEICO. I queried each at $1,176, $1,213, and $1,232 per year. Or nearly 32% cheaper than the median quote for similar profile drivers. Erie and Mid Century offer competitive prices with quotes at $1,303 and $1,300, respectfully.
Cheapest Auto Insurance Companies by Age in Virginia
Below are 24 of the cheapest car insurance companies in Virginia by rank for drivers from 25 to 55.
The top three overall cheapest drivers with a good driving record are USAA, Travelers, and GEICO.
All three carriers can provide quotes from 18 to 35% lower than the median rate.
They can provide quotes over 40% cheaper in some instances, depending on the city you reside in.
Erie is a regional carrier in Virginia that can provide low quotes as competitive as USAA, Travelers, or GEICO.
Local carriers that are equally competitive are Mid Century, Virginia Farm Bureau, and Garrison Property & Casualty.
All three local carriers can 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 Company | Average Rate for 25 Y/O Driver | 30 Y/O | 35 Y/O | 40 Y/O | 45 Y/O | 55 Y/O |
|---|---|---|---|---|---|---|
| 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 an uninsured motorist fee.
You will have to pay $500 to the state’s 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.
Note: As illustrated, the least expensive car insurance for a 40-year-old driver is USAA, Travelers, and GEICO. I queried each at $987, $1,007, and $1,032 per year for full coverage. Mid Century and Erie are competitive with quotes at $1,055 and $1,056, respectfully.
Uninsured Motorist Detection in VA
You want to be sure you are covered in Virginia’s state since they have implemented many monitoring methods to ensure drivers carry 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.
Note: A 45-year-old driver can find the cheapest car insurance with USAA, Travelers, and GEICO. I queried each at $843, $854, and $879 per year for full coverage. Or approximately 32% lower than the average premium for similar profile drivers.
The state has a Suspected Uninsured Accident policy. 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.
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. Although neither motorist may want to get their insurance companies involved during a minor “fender bender,” the police officer requests information to identify potential uninsured motorists.
Note: A 55-year-old driver can find inexpensive auto insurance with USAA, Travelers, and GEICO. I queried each at $690, $699, and $699. Or nearly 28% lower than the median quote for similar age drivers. Erie and Mid Century are nearly as competitive with low prices at $708 and $709, respectfully.
Best Insurance Companies by Consumer Rating, Complaints & Rate Change
Below are the best insurers in Virginia based on the consumer rating, complaints, and the rate change over 12 to 18 months.
The number of written premiums are included since the number of complaints is 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 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 Company | Premiums | Rate Change | # of Complaints | Consumer Rating out of 5 Stars |
|---|---|---|---|---|
| USAA | $601,932,737 | +1.6% | 95 | 4.7 |
| Erie | $160,015,448 | +2.1% | 18 | 4.2 |
| Nationwide | $396,846,371 | +2.4% | 42 | 4.2 |
| Liberty Mutual | $65,319,534 | +2.2% | 42 | 4.4 |
| MetLife | $19,883,591 | +2.8% | 4 | 3.8 |
| Virginia Farm Bureau | $105,965,712 | +2.8% | 2 | 3.8 |
| Esurance | $32,772,163 | +2.7% | 9 | 4.3 |
| State Farm | $809,251,036 | +2.5% | 110 | 4.4 |
| Travelers | $56,441,120 | +2.8% | 16 | 4.5 |
| Victoria | $89,761,971 | +2.8% | 9 | 4.2 |
| Progressive | $382,932,189 | +2.2% | 63 | 4.4 |
| Amica | $15,854,328 | +2.2% | 5 | 3.9 |
| Rockingham Group | $14,397,820 | +2.7% | 5 | 3.9 |
| Allstate | $427,588,268 | +3.0% | 6 | 4.4 |
| Direct General | $15,799,200 | +2.6% | 7 | 4.3 |
| National General | $71,543,771 | +2.6% | 27 | 4.4 |
| Hartford | $22,494,068 | +2.6% | 19 | 4.2 |
| Farmers | $35,769,120 | +2.7% | 4 | 4.3 |
| GEICO | $775,118,212 | +2.1% | 129 | 4.5 |
| Elephant | $95,678,893 | +2.4% | 40 | 4.0 |
Available Discounts for Drivers
When you compare cheap car insurance in Virginia, you want to be sure you get a policy that fits your vehicular needs.
Be sure to ask for discounts, and many are overlooked, such as:
- Paperless discount
- Automatic payments
- Multipolicy
- Multicar
- Safety devices
- Accident-free
- Good student
- Low mileage
- Pay in full
Average Rate by City in Virginia
Below I have provided 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 significantly higher quotes, 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 fare 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.
| City | Average Rate | City | Average Rate | City | Average Rate |
|---|---|---|---|---|---|
| Appomattox | $1,786 | Harrisonburg | $1,974 | Reston | $2,243 |
| Bristol | $1,987 | Hopewell | $1,963 | Rocky Mount | $2,002 |
| Charlottesville | $2,109 | Lynchburg | $1,855 | Salem | $2,047 |
| Chesapeake | $2,108 | Manassas | $2,732 | Staunton | $2,428 |
| Colonial Heights | $2,254 | Martinsville | $2,054 | Surry | $1,822 |
| Danville | $1,983 | Newport News | $2,428 | Vienna | $2,435 |
| Fairfax | $2,232 | Occoquan | $2,241 | Waynesboro | $1,954 |
| Falls Church | $2,652 | Palmyra | $1,488 | Williamsburg | $2,132 |
| Fredericksburg | $2,187 | Portsmouth | $2,436 | Windsor | $1,733 |
| Hampton | $2,438 | Radford | $1,843 | Wytheville | $1,793 |
Virginia Beach, VA
Finding a cheaper auto premium in Virginia Beach is easy if you know where to look.
For the military, the lowest is USAA, which I queried at $1,165 for a 30-year old.
If not military, Mid Century and Garrison are the most affordable.
Each queried at $1,187 and $1,190 for full coverage.
Which is 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 queried at $808, $897, and $900 respectfully for a 45-year-old driver.
Which is well over 50% lower than the “mean” rate of Va Beach.
Out of the 8 carriers I queried, Progressive’s most expensive is $1,421 for a 30-year old and $1,043 for a 45-year-old driver.
Which is 32 and 48% lower than the average rate within the city.
| Virginia Beach Company | 30 Y/O Driver | 45 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 |
Norfolk, VA
Finding the cheapest car insurance is possible in Norfolk if you get quotes from USAA, Mid Century, and Garrison.
I queried each 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 the military, USAA is 54% lower than the “mean” rate of $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.
The most expensive carrier queried was Progressive.
I received quotes at $1,752 for a 30-year old and $1,231 for a 45-year old.
| Norfolk Company | 30 Y/O Driver | 45 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 |
Roanoke, VA
If you want to lower your premium in Roanoke, get quotes from Travelers, Virginia Farm Bureau, and Mid Century.
I queried each 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.
I queried each at $890, $902, and $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 queried at $1,247 for a 30-year old and $932 for a 45-year-old driver.
| Roanoke Company | 30 Y/O Driver | 45 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 |
Richmond, VA
Richmond is the second-highest average premium in the state of Virginia.
To find savings, get quotes from Travelers, USAA, and Virginia Farm Bureau.
I queried 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.
For a 45-year-old driver, the cheapest quotes are with Travelers, USAA, and Virginia Farm Bureau.
I queried each 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 Company | 30 Y/O Driver | 45 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 |
Alexandria, VA
Alexandria has the highest auto premiums in the state at $2,998.
For the cheapest car insurance, get quotes from USAA, Travelers, and Progressive.
I queried each at $1,622, $1,674, and $1,743 per year for a 30-year-old driver.
All of which is 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.
I queried each at $1,178, $1,180, and $1,239 per year for full coverage.
Which is over 50% lower than the citywide average premium.
Out of the 8 insurers queried, Erie’s most expensive is $2,055 for a 30-year old and $1,558 for a 45-year-old driver.
| Alexandria Company | 30 Y/O Driver | 45 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 |
Suffolk, VA
If you want cheaper auto insurance in Suffolk, get quotes from Virginia Farm Bureau, Travelers, and USAA.
I queried each 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.
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.
USAA is $30 higher with a quote at $955 per year.
Out of the 8 carriers, I queried the two most expensive are Garrison and Erie.
However, both carriers are 34% lower than the “mean” auto insurance premium in Suffolk.
| Suffolk Company | 30 Y/O Driver | 45 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 |
Resources & DMV Information
| Department of Insurance | Department of Transportation | Department 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 |
| Website | Website | Website |
Sources
https://www.scc.virginia.gov/boi
https://www.libertymutual.com/auto/car-insurance-coverage/virginia
https://www.vafb.com/insurance/auto
http://www.scc.virginia.gov/boi/pubs
