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Virginia Cheapest Auto Insurance, Minimum Coverage & Strategies for Savings

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

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

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

All three can provide drivers with a premium which is 14 to 26% lower than the median rate for those of a similar profile.

In this article, I am going to 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. 

Virginia lowest premium prices for 25 y/oNote: 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 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.

For those which were falsifying documents stating they had an active auto insurance policy when applying for their registration and license plates.

CoverageVirginia 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 VA from USAA, Travelers, Erie and Mid Century. 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 rate table below for more details.

Property Damage Liability

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

Auto premium price comparison for 35 year old from USAA, Travelers, Erie, and Mid Century auto insurance companies. 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 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 35 Y/O 40 Y/O45 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 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 car insurance for a 40-year-old driver is with 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 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 insurance for 45 year old in Virginia.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 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 driver from USAA, Travelers, Erie, and Mid Century. 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 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 # 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 $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

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 
  • 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 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 RateCityAverage RateCityAverage Rate
Appomattox$1,786Harrisonburg$1,974Reston$2,243
Bristol$1,987Hopewell$1,963Rocky Mount$2,002
Charlottesville$2,109Lynchburg$1,855Salem$2,047
Chesapeake$2,108Manassas$2,732Staunton$2,428
Colonial Heights$2,254Martinsville$2,054Surry$1,822
Danville$1,983Newport News$2,428Vienna$2,435
Fairfax$2,232Occoquan$2,241Waynesboro$1,954
Falls Church$2,652Palmyra$1,488Williamsburg$2,132
Fredericksburg$2,187Portsmouth$2,436Windsor$1,733
Hampton$2,438Radford$1,843Wytheville$1,793

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 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 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% and 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

Norfolk, VA

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

Finding a 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 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.

I 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

Roanoke, VA

Roanoke lowest auto policy options for 30 and 45 y/o.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, 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 queried 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

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.

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 respectfully.

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 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

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 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 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.

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 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

Suffolk, VA

Suffolk, VA lowest auto policy choices for 30 and 45 year old.If you want cheaper auto insurance in Suffolk then 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 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.

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 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

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.vafb.com/insurance/auto

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

http://www.naic.org/documents

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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