Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 31, 2021

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AutoInsureSavings.org team of licensed insurance agents reviewed the cheapest car insurance companies in Virginia and found Virginia Farm Bureau ($387 per year) has the cheapest rates for minimum liability coverage.

Erie Insurance ($1,040 annually) offers the cheapest auto insurance in Virginia for drivers with good driving records who need full coverage.

Affordable Virginia Car Insurance Rates

Comparing a car insurance quote from at least three to five insurance carriers is the best way to make sure you find the best deals to save money monthly. 

Cheapest Car Insurance in Virginia - Quick Hits
AutoInsureSavings.orgThe cheapest Virginia car insurance options are:

Cheapest for minimum coverage: Virginia Farm Bureau
Cheapest for full coverage: Erie Insurance
Cheapest after an at-fault accident: Erie
Cheapest after a speeding ticket: Farm Bureau
Cheapest after a DUI: Progressive
Cheapest for poor credit history: Nationwide
Cheapest for young drivers: Erie
For young drivers with a speeding violation: Erie
For young drivers with an at-fault accident: Erie
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This guide will take a closer look at car insurance providers available to Virginia drivers and help you determine which one is best for your individual needs.

Cheapest car insurance in Virginia from Virginia Farm Bureau, USAA, and Erie compared to average rates.

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Cheapest Car Insurance in Virginia for Minimum Coverage?

Our recent comparison shopping study found the cheapest auto insurer for minimum liability insurance requirements is Virginia Farm Bureau, which provided our agents a $387 insurance rate for our sample driver.

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The average quote is $614 per year, and Farm Bureau’s rate at $387 per year is 37% cheaper, making them the best option for Virginia drivers needing minimum liability insurance. 

InsurerAverage annual rate
Virginia Farm Bureau$387
State Farm$476
The Hartford$513
Liberty Mutual$829
Virginia average$614
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*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

Military members, their spouses, or family members qualify for cheaper car insurance through USAA. Buying minimum coverage insurance requirements at $390 annually through USAA is 37% less expensive than the state average $614 rate.

Cheapest Full Coverage Car Insurance in Virginia

If you are interested in having an extra layer of protection while you are on the road, the cheapest full coverage rates are with Erie Insurance at $1,040 annually or $87 per month.

Quotes from this car insurance carrier are 31% less expensive than Virginia’s average of $1,493.

InsurerAnnual costMonthly cost
Virginia Farm Bureau$1,130$94
State Farm$1,265$105
Virginia average$1,493$124
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*Your rates may vary when you get quotes.

Full coverage car insurance in Virginia costs, on average, more than three times the amount that minimum coverage insurance costs.

While many drivers may instantly turn away from taking out full coverage due to the higher car insurance rates, others appreciate the peace of mind and reassurance they receive by having collision and comprehensive coverage along with their liability coverage.

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The State Corporation Commission (SCC) of Virginia recommends full coverage insurance to protect your vehicle from inclement weather accidents such as hurricanes. You may want to get uninsured motorist coverage in Virginia for extra protection.

Cheapest Car Insurance With a Speeding Ticket in Virginia

The best coverage rate for drivers with one speeding violation is Farm Bureau, which offered us a quote at $1,198 annually. The average cost of insurance for Virginians with a speeding ticket is $1,769, but Farm Bureau is $571 cheaper. 

InsurerAnnual costMonthly cost
Virginia Farm Bureau$1,198$99
Virginia average$1,769$147
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Traffic tickets will cause your auto insurance rates to increase regardless of your coverage level. In Virginia, most drivers expect rate increases by 16% on average for traffic violations. 

Cheapest Car Insurance in Virginia With a Car Accident

In Virginia, drivers with one at-fault accident on their driving record should consider Erie, the cheapest auto insurance company, which provided our insurance agents with a quote at $1,437 annually or $119 per month.

InsurerAnnual costMonthly cost
Erie Insurance$1,437$119
Farm Bureau$1,580$131
State Farm$1,812$151
Virginia average$2,254$187
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In Virginia, the average cost of car insurance after being involved in an accident is $2,254 per year or $187 per month. Erie’s rate for those with a car accident is 37% cheaper than average.

Your next cheapest option is Farm Bureau, with a $1,580 rate or $674 less than average.

Once you have an at-fault accident on your driving record in Virginia, you can expect your car insurance rates to go up by 34%, according to the Insurance Information Institute (III.org).

That is because insurance companies see accidents as a sign of increased risk, and many will consider you a high-risk driver until the accident is no longer on your driving record.

Cheapest Car Insurance With a DUI in Virginia

During our agent’s research, the auto insurance provider in Virginia to check out is Progressive for drivers with a DUI. Progressive’s quote of $151 per month is 28% less expensive than average and $158 less than the next best option Erie Insurance. 

InsurerAnnual costMonthly cost
Farm Bureau$2,022$168
Virginia average$2,484$207
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In Virginia, drivers caught driving under the influence are expected to pay car insurance premiums 40% more than drivers who have clean driving records. After a DUI, Virginia drivers’ average insurance cost is $2,484 per year or a rate increase to $207 per month. Registering for a defensive driving course is the best way to lower your insurance cost after a DUI offense. 

Cheapest Car Insurance For Drivers with Poor Credit in Virginia

According to our research, the Virginian auto insurance company offering the best rates with poor credit is Nationwide.

Nationwide’s quote of $1,230 per year is 35% less expensive than the $1,891 average premium. 

InsurerAnnual costMonthly cost
State Farm$1,421$118
Virginia average$1,891$157
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Even if you are a safe driver, your credit report and score can harm how much your car insurance rates will be. That’s because many companies look at a person’s ability to pay off their debts or credit cards to reflect their ability to make their monthly car insurance payments.

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If you have bad credit, you will likely pay as much as 22% more for car insurance premiums in Virginia than those with good credit.

Cheapest Car Insurance for Young Drivers in Virginia

Our comparison study found that Erie is the cheapest auto insurance company for young drivers in Virginia. Our insurance agents received a low rate of $2,644 annually from Erie or $220 a month, which is 50% more affordable than Virginia’s state average rate.

Teen drivers looking for affordable minimum coverage in Virginia should consider Erie ($1,128) and GEICO ($1,287). Both auto insurers are 33% cheaper than the average $1,911 Virginia auto insurance rate.

InsurerFull coverageMinimum coverage
Erie Insurance$2,644$1,128
State Farm$3,190$1,412
Virginia Farm Bureau$3,904$1,316
Virginia average$5,237$1,911
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*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on the driver’s profile.

Our agents recommended a teen driver in Virginia carry full coverage insurance. Still, if you have limited insurance providers option, or your vehicle worth less than $3,000, a minimum liability policy may be the best way to save more on car insurance.  

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

If under the age of 21 in Virginia, drivers with a speeding violation will find cheaper insurance rates with Erie, which provided us a quote at $264 per month or 43% less expensive than the state average rate. GEICO proved affordable Virginia insurance at $3,577 per year ($298 monthly) for full coverage.

InsurerAnnual costMonthly cost
State Farm$3,619$301
Virginia average$5,563$463
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Cheapest Car Insurance for Young Drivers with an Auto Accident

Young Virginians with an at-fault accident can avoid significant rate increases by getting auto insurance coverage from Erie Insurance with a quote at $3,416 annually or 43% cheaper.

The next best coverage option is GEICO, quoted at $3,794 per year or 33% less expensive than a typical teen driver rate with a car accident in their driver history.

InsurerAnnual costMonthly cost
State Farm$3,825$318
Virginia average$5,935$494
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Best Auto Insurance Companies in Virginia

AutoInsureSavings.org agents survey of car insurance carriers in Virginia found USAA performed the best overall customer service and JD Power claims satisfaction. If not eligible for a USAA membership, your best auto policy options Virginia Farm Bureau, Nationwide, and Progressive.

We studied data to help you make excellent coverage choices and insurance decisions during our comparison shopping study of Virginia’s best auto insurers. The data we use is from the National Association of Insurance Commissioners (NAIC), J.D. Power’s customer satisfaction survey, and AM Best financial strength ratings.

Auto InsurerNAIC Complaint Index J.D. Power claims satisfaction score AM Best Financial Strength Rating
Virginia Farm Bureau0.00n/aA
State Farm0.66881A++
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*NAIC complaint index, the lower, the better, JD Power’s claims satisfaction study, the higher, the better, AM Best Ratings, A+ is “excellent,” and A++ is “superior” financial strength.

Virginia Farm Bureau and Travelers Insurance are two insurers performing best with NAIC’s complaint index. Both scored less than the national average of 1.00 with lower than average complaints based on their market share. Travelers Insurance has an excellent J.D. Power claims satisfaction score of 861, while Farm Bureau isn’t rated. 

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Deciding on the best car insurance company in Virginia is not a simple task. That is because the factors that make one car insurance company the best for one driver may make them the worst choice for another. Finding the best auto insurance rates for you will depend on a wide variety of factors like your age, your driving history, where you live, and your vehicle’s make or model, to name a few. 

A recent insurance survey from ValuePenguin reached similar results for Virginia car insurance carriers. 

Company% extremely satisfied with recent claim% rated customer service as excellent
State Farm73%46%
Virginia Farm Bureaun/an/a
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Your best resource for finding the most affordable car insurance rates in Virginia is insurance quote comparison websites like AutoInsureSavings.org.

You can find many useful articles and guides on which car insurance company is the best and offers the most beneficial coverage options for various drivers in different categories.

Average Car Insurance Costs by City in Virginia

Auto insurers use your zip code to calculate your insurance rate, as well as your marital status, credit score, and driving history. Your rates can vary by $585 or more, depending on your location in Virginia.

AutoInsureSavings.org licensed insurance agents did a comparison study of cities with the cheapest insurance coverage in Virginia. 

Cheapest Car Insurance in Virginia Beach, VA

Virginia Beach drivers can find the cheapest auto insurance coverage for their motor vehicle with Erie, which provided our agents a $1,119 annual quote or $86 per month for a full coverage policy. 

Erie’s quote is 39% less expensive than the $1,832 citywide average rate. 

Virginia Beach CompanyAverage Premium
State Farm$1,343
Virginia Beach average$1,832
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Cheapest Car Insurance in Norfolk, VA

In research, we found the most affordable insurance coverage for Norfolk drivers is USAA, providing a quote of $1,012 per year or 45% less expensive than average rates. At $1,254 annually, Erie is 33% lower than average, making both insurers the better car insurance option.

Norfolk CompanyAverage Premium
Farm Bureau$1,461
Norfolk average$1,856
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Cheapest Auto Insurance in Chesapeake, VA

AutoInsureSavings.org licensed agents’ research found coverage from Nationwide Insurance costs cheaper for residents of Chesapeake. Nationwide’s $87 monthly rate is 42% less expensive than the citywide average insurance rate of $1,768 per year or $147 a month. 

Chesapeake CompanyAverage Premium
State Farm$1,097
Chesapeake average$1,768
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Cheapest Auto Insurance in Arlington, VA

Affordable insurance coverage in Arlington is with Farm Bureau providing the best rate at $1,335 annually for a full coverage policy. Farm Bureau’s $111 a month rate is 31% less expensive than average for Arlington residents.

Arlington CompanyAverage Premium
Farm Bureau$1,335
State Farm$1,515
Arlington average$1,932
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Cheapest Car Insurance in Richmond, VA

Drivers in Richmond can get cheap auto insurance with Erie Insurance, which provided our licensed agents a $1,116 annual rate for a full coverage policy with $100,000 in liability insurance. Erie’s quote is 41% less expensive than the average $1,882 yearly rate in Richmond. 

Richmond CompanyAverage Premium
Erie Insurance$1,116
State Farm$1,309
Virginia Farm Bureau$1,418
Richmond average$1,882
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Cheapest Car Insurance in Newport News, VA

The cheapest auto insurance rate our insurance agents found in Newport News is State Farm, with a $967 per year rate for a policy with collision and comprehensive coverage. State Farm’s quote is 39% less expensive than Newport New’s average rate of $1,579 per year.

Newport News CompanyAverage Premium
State Farm$967
Liberty Mutual$1,260
Newport News average$1,579
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Cheapest Car Insurance in Alexandria, VA

Alexandria drivers can find the cheapest full coverage insurance policy with Erie, which offered us a $1,180 annual rate for our sample 30-year-old driver. Erie’s car insurance rate is $669 less annually than Alexandria’s average of $1,849 per year. 

Alexandria CompanyAverage Premium
Erie Insurance$1,180
State Farm$1,354
Alexandria average$1,849
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Average Insurance Cost for All Cities in Virginia

CityAnnual Premium CostCityAnnual Premium Cost
Virginia Beach$1,832Mantua$1,359
Norfolk$1,856North Springfield$1,374
Newport News$1,579Woodlake$1,403
Hampton$1,812Potomac Mills$1,359
Roanoke$1,767Belle Haven CDP$1,403
Dale City$1,511Buena Vista$1,374
Harrisonburg$1,403South Run$1,347
Leesburg$1,386Pimmit Hills$1,468
Ashburn$1,359Aquia Harbour$1,553
Lake Ridge$1,553Massanetta Springs$1,437
Blacksburg$1,367Fort Lee$1,478
Linton Hall$1,403Covington$1,359
Manassas$1,639Dulles Town Center$1,437
Oakton$1,386Big Stone Gap$1,374
Fair Oaks$1,582Woodstock$1,496
South Riding$1,359Kings Park$1,553
Petersburg$1,478Quantico $1,347
West Falls Church$1,448Bluefield$1,367
Fredericksburg$1,604King George$1,395
Short Pump$1,374Bealeton$1,421
Cave Spring$1,367Rocky Mount$1,557
Herndon$1,359Spotsylvania $1,478
Chantilly$1,546South Hill$1,347
Woodlawn CDP$1,403Woodbridge$1,395
West Springfield$1,448Bethel Manor$1,359
Bailey's Crossroads$1,550Hayfield$1,478
Lincolnia$1,347Stafford $1,367
Rose Hill$1,544County Center$1,347
Christiansburg$1,386Loch Lomond$1,546
Waynesboro$1,369Lake Land'Or$1,403
Chester$1,374University Center$1,478
Brambleton$1,367Mount Hermon$1,359
Lorton$1,386Shenandoah Farms$1,421
Neabsco$1,558Clifton Forge$1,374
Cherry Hill$1,347Colonial Beach$1,508
Meadowbrook$1,403Southern Gateway$1,395
Franklin Farm$1,367Cloverdale$1,421
Merrifield$1,386West Point$1,347
Idylwood$1,472Blue Ridge$1,560
Bon Air$1,347North Shore$1,386
Burke Centre$1,511Lebanon$1,403
Colonial Heights$1,562Lake Wilderness$1,359
Hybla Valley$1,403Daleville$1,386
Manassas Park$1,374Oak Grove$1,359
Fort Hunt$1,347Grottoes$1,395
Bull Run$1,367Windsor$1,403
Highland Springs$1,472Merrimac$1,347
Wolf Trap$1,600Timberville$1,374
East Highland Park$1,386Dublin$1,367
Glen Allen$1,511Waverly$1,562
Front Royal$1,403Massanutten$1,448
Williamsburg$1,347Chase City$1,421
Great Falls$1,374Lovettsville$1,546
Kings Park West$1,395Gloucester$1,562
Stone Ridge$1,587Crewe$1,347
Falls Church$1,367Saltville$1,403
Newington$1,562Stephens City$1,508
Mount Vernon$1,472New Market$1,347
Sugarland Run$1,449Pennington Gap$1,374
Newington Forest$1,359Mount Jackson$1,472
Fairfax Station$1,590Lake Holiday$1,562
Madison Heights$1,374Horse Pasture$1,421
Lake Monticello$1,411Mason Neck$1,472
Lowes Island$1,546Moorefield Station$1,562
Forest$1,421Weyers Cave$1,347
Wyndham$1,592Gate City$1,386
New Baltimore$1,516Patrick Springs$1,395
Warrenton$1,359Prince George$1,411
Gloucester Point$1,347Appomattox$1,421
Lake Barcroft$1,395Rivanna$1,472
George Mason$1,516Courtland$1,565
Stuarts Draft$1,374Lyndhurst$1,421
Independent Hill$1,472Castlewood$1,359
Dunn Loring$1,347Gordonsville$1,546
Innsbrook$1,359Rural Retreat$1,347
Seven Corners$1,395East Lexington$1,374
Greenbriar$1,347Weber City$1,367
Fishersville$1,555Glade Spring$1,391
University of Virginia$1,567Central Garage$1,359
Lake of the Woods$1,386Adwolf$1,411
Fair Lakes$1,391Coeburn$1,347
Long Branch$1,472Lawrenceville$1,467
Floris$1,359Boswell's Corner$1,543
Hollymead$1,467Lake Caroline$1,391
Loudoun Valley Estates$1,563Plum Creek$1,472
Laurel Hill$1,386Dayton$1,347
Fort Belvoir$1,562Exmore$1,421
South Boston$1,411Appalachia$1,386
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Minimum Auto Insurance Requirements in Virginia

In the Old Dominion State, drivers are not state-mandated to carry car insurance. Instead, drivers can pay a $500 Uninsured Motorist Fee to the Department of Motor Vehicles (DMV) to drive legally on Virginia roads. 

If you buy a car insurance policy in Virginia, state law mandates the policy must meet state minimum bodily injury and property damage liability insurance.

Minimum car insurance requirements in Virginia 
Bodily injury liability insurance$25,000 per person and $50,000 per accident
Property damage liability insurance$20,000 per accident
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Frequently Asked Questions

Who has the Cheapest Car Insurance in Virginia?

We found the top car insurance companies that offer the lowest Virginia drivers’ average rates are Virginia Farm Bureau at $32 per month, USAA at $32 per month, and Erie at $34 a month for a state minimum coverage policy for a 30-year-old with a clean driving history.

How Much is Car Insurance in Virginia per Month?

On average, drivers pay around $51 per month for state minimum coverage in Virginia and $124 per month for full coverage insurance. Based on our research, Erie Insurance ($1,041 per year) is one of the state’s most affordable car insurance companies. Most drivers’ average annual rate is around $614 per year for state minimums and $1,493 annually, including comprehensive and collision coverage.

How Much Is Full Coverage Car Insurance in Virginia?

On average, most drivers in Virginia pay for full coverage auto insurance is $124 per month or $1,493 per year. The top insurance companies in Virginia that offer the lowest rate for drivers interested in full coverage policies include Erie, Virginia Farm Bureau, and State Farm. All three insurers provide auto insurance quotes 16% lower than average. 

How do I Save on Car Insurance in Virginia?

There are many things drivers can do to help save money on their car insurance rates in Virginia. First, you will need to compare quotes from multiple insurance providers to find the right company that offers the exact level of coverage in Virginia you need at the most affordable price.

Another thing drivers can do to help them save more on their car insurance rates is ask their auto insurance provider about a money-saving driver discount they may be eligible for. Many companies offer car insurance discounts for drivers who have multiple policies with them or drivers who have no prior accidents or violations on their driving records.

To learn more and find the best car insurance options in Virginia, contact the auto insurance experts at AutoInsureSavings.org. Our licensed insurance professionals will be happy to answer any questions you have.


AutoInsureSavings.org comparison shopping study used a full-coverage insurance policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured motorist bodily injury & underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
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We used insurance rates for drivers with accident histories, credit scores, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.


– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Virginia SCC. “Automobile Insurance.”
– National Highway Traffic Safety Authority. “Traffic Safety Facts.”
– AIPSO. “Virginia Automobile Insurance Plan.”
– Department of Motor Vehicles. “Uninsured Motor Vehicle Fee.”
– NOLO. “DUI Laws by State.”

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.