Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Virginia.

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Updated on Jan 30, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Virginia
Cheapest car insurance companies in Virginia
Virginia Car Insurance Coverage Requirements
Virginia Car Insurance Rating Factors
How Do Different Factors Impact Your Car Insurance Costs in Virginia?
Car Insurance for High-Risk Virginia Drivers
Car Insurance for Virginia Drivers With DUI
Car Insurance for Virginia Drivers With a Coverage Lapse
Car Insurance for Virginia Drivers With a Low Credit Score
Cheapest Virginia car insurance by age
Cheapest car insurance for popular cars
Car insurance cost for new vs. old car
Virginia cheapest car insurance by location
How to lower the cost of car insurance in Virginia
Why does car insurance cost this much in Virginia
FAQs
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in Virginia

Here’s a reality check: there’s no one insurance company that guarantees the best car insurance (and lowest rate) for every single driver. Every Virginia driver is unique, and so are their premiums.

To find the best rates, you need to compare quotes from many auto insurance companies. Your personal driver profile and your coverage needs will determine which company is best for you.

Many Virginia drivers have found affordable coverage with help from the

Jerry Insurance Agency

, which aggregates quotes to help drivers pick the best policy.

Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
January 26, 2025	Gainsco	$387	Glen, 30 Newport News, VA	Nissan Armada SE	• 50,000/100,000 Liability • Comp / Collision
January 25, 2025	Allstate	$154	Ronnie, 34 Winchester, VA	Nissan Sentra S	• State Minimum Liability • Comp / Collision
January 15, 2025	Nationwide	$105	Mittie, 37 Arlington, VA	Ford Fusion SE	• 50,000/100,000 Liability • Comp / Collision
January 12, 2025	National General	$145	Mabel, 29 Richmond, VA	Honda Civic LX	• 100,000/300,000 Liability
January 12, 2025	AAA	$300	Florence, 20 Roanoke, VA	Toyota Camry LE	• 30,000/60,000 Liability

Last Updated Jan 26, 2025

Compare car insurance quotes now

Cheapest car insurance companies in Virginia

Are you a Virginia driver on the hunt for

cheap car insurance

? Jerry has performed an extensive survey on

insurance shopping

, covering everything from rates to providers and the key factors that can impact your premium. Here’s the data.

Our survey shows clear evidence that there is no single car insurance company that is the cheapest choice for Virginia drivers. Many factors influence insurance costs, so each driver should consider multiple options before buying a policy.

State Farm

and

USAA

tend to offer the lowest premiums in Virginia, but you may not be eligible for the best of these rates. The most common insurance companies in Virginia are State Farm, USAA,

Progressive

Allstate

, and

Nationwide

, but only State Farm’s rates are lower than the state average.

Here’s a look at some real reviews from Virginia drivers about their insurance companies.

Insurance company	Date	City	Cost rating (out of 5)	What our customer said:
Progressive	January 26, 2025	Annandale, VA	5	"Gainsco is a great insurance company ." -Tom
Nationwide	January 25, 2025	Richmond, VA	5	" Saving another of money with jerry" -Gene
AAA	January 23, 2025	Glen Allen, VA	5	"Have not had an issue yet. Their rates are surprisingly lower than anywhere else. Customer service always answer as ...(read more)" -Evelyn
Allstate	January 19, 2025	Charlottesville, VA	5	"Love the minimalist app and paperwork." -Myra
AAA	January 17, 2025	Petersburg, VA	4	"A bit expensive for such an old car" -Katharine

Last Updated Jan 26, 2025

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

There’s a simple technology for finding cheap car insurance: a comparison app like Jerry.

Jerry's user-friendly app is designed with the specific goal of helping drivers easily compare

car insurance quotes

and navigate policy sign-ups. Virginia drivers get dedicated support from

Jerry's licensed insurance agents

from start to finish.

Minimum liability and full coverage insurance requirements in Virginia

Virginia laws

require all drivers to carry minimum

liability insurance

of 30/60/20, including property damage liability and bodily injury liability coverage.

Drivers must also carry uninsured motorist coverage to at least the same limits.

Cheapest minimum liability coverage car insurance quotes in Virginia

Let’s break down the minimum required liability coverage in Virginia:

$30,000 per person of

bodily injury liability

coverage

$60,000 per accident of bodily injury liability coverage

$20,000 per accident of

property damage liability

But that’s not all—just over 10% of Virginia drivers are uninsured. That’s why Virginia also requires

uninsured motorist (UM) coverage

with the same levels of protection as liability coverage. Underinsured coverage is similar, but it kicks in when the person doesn’t have enough coverage.

Virginia is an at-fault state

. If you get into an accident with a driver who does not have insurance, you’ll have no recourse for coverage with liability-only coverage. But with UM coverage, you’re safe.

Here are the required coverage levels for UM in Virginia:

$30,000 in

uninsured motorist

bodily injury per person

$60,000 in uninsured motorist bodily injury per accident

$20,000 in uninsured motorist property damage per accident

Under the Virginia state code, no driver is exempt from these requirements.

You can find affordable minimum liability and uninsured motorist coverage in Virginia with help from Jerry—like the drivers below.

Progressive

Cecilia (30 years old)

Coverage

State Minimum

Powhatan, VA

Hyundai Accent SE

$336

per month

Allstate

Ronnie (34 years old)

Coverage

State Minimum

Winchester, VA

Nissan Sentra S

$154

per month

AAA

Ida (30 years old)

Coverage

State Minimum

Richmond, VA

Volkswagen Jetta SEL Premium

$336

per month

Nationwide

Bryan (37 years old)

Coverage

State Minimum

Chantilly, VA

Nissan Sentra S

$264

per month

Gainsco

Louis (34 years old)

Coverage

State Minimum

Forest, VA

Volkswagen Jetta SE

$191

per month

Plymouth Rock

Frederick (51 years old)

Coverage

State Minimum

Virginia Beach, VA

Nissan Sentra S

$277

per month

Do you need more than minimum coverage in Virginia?

You won’t be breaking any laws if you stick with the minimums, but higher limits offer more protection in the event of a serious car accident.

Consider the costs after a major crash. From medical expenses to car replacement fees, you could be sued for hundreds of thousands of dollars if you cause a crash. Virginia’s minimum coverage may not cover all these fees—which means you’d be on the hook.

It’s smart to get as much liability coverage as you can afford, and the extra protection may not cost you as much as you think. Check out some sample rates below.

The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to purchase full coverage.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Cheapest full coverage car insurance quotes in Virginia

Did you know that liability coverage only protects other people? Full coverage is the only way to protect yourself and your car, whether from storm damage or traffic accidents.

A full coverage policy includes

comprehensive

and

collision coverage

Collision coverage: If your car is damaged in a collision, this coverage will pay for repairs.

Comprehensive coverage: If you suffer non-collision damage—like theft, storm damage, or vandalism—this coverage will kick in.

A lender can require you to carry

full coverage on a financed vehicle

. That’s because they want to protect their investment while it’s being paid off. Make sure you consult with your lender before selecting an insurance policy in Virginia.

Here’s a breakdown of Virginia

full coverage car insurance costs

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$336	Cecilia, 30 Powhatan, VA	Hyundai Accent SE
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$105	Mittie, 37 Arlington, VA	Ford Fusion SE
• 50,000/100,000 Liability • Comp / Collision	Clearcover	$113	Eleanor, 30 Herndon, VA	Acura MDX Technology
• 100,000/300,000 Liability • Comp / Collision	Bristol West	$600	Elijah, 39 Henrico, VA	Dodge Charger SXT
• 50,000/100,000 Liability • Comp / Collision	National General	$96	Lester, 28 Harrisonburg, VA	Volkswagen Passat SE

Last Updated Jan 26, 2025

Average rates for minimum liability coverage and full coverage car insurance in Virginia

The average cost of car insurance for a Virginia driver with minimum coverage is about $154 per month or $1,851 per year. Full cost auto insurance coverage costs quite a bit more, approximately $266 per month or $3,191 per year.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$118	$1,413
Full coverage	$150	$1,797

Don’t jump to any conclusions! These are average rates, but you’re probably not the average driver. You might have a better driving history—or even some tickets on your record. Your unique driver profile will be the source of your unique rate.

Virginia car insurance: Additional coverages

There are a lot of dangers on the road—and there is a policy to protect you against almost every one. Here are some additional coverages available to Virginia drivers:

Towing and labor coverage

Rental reimbursement coverage

New car replacement insurance

Personal injury protection

Medical payments (MedPay)

Gap insurance

: Financed vehicles are at high risk in total loss accidents. If you still owe money on your loan, and the payout is not enough to cover the amount, gap insurance will cover the gap.

Non-owner car insurance

: If you borrow or rent instead of owning your own car, you should consider non-owner car insurance in Virginia. This policy

follows the driver

, not the car, so you have liability protection wherever you go. It does not protect you or the car, however.

MORE:

Types of insurance

Not in Virginia?

North Carolina car insurance

West Virginia car insurance

Maryland car insurance

Delaware car insurance

Pennsylvania car insurance

South Carolina car insurance

New Jersey car insurance

Ohio car insurance

Car insurance premium by rating factors

Insurers are allowed to use your credit score to determine your premium in Virginia. But that’s not the most important factor. While every company has its own method for calculating rates, you should know that every element listed below could impact your bill:

Your driving record and claims history: A pattern of traffic violations and accidents signals that you’re likely to get into more trouble—and you’ll pay more for coverage.

Your credit score: If you have good credit (over 750), you’ll get the cheapest rates. Drivers with bad credit pay a lot more for coverage.

Zip code: If you live in a neighborhood with a ton of commuters and lots of crime, expect to pay more for car insurance.

Your make and model: Luxury and sports cars come with higher insurance price tags.

Usage: More frequent usage means higher insurance rates, due to the increase in risk.

How Do Different Factors Impact Your Car Insurance Costs in Virginia?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Virginia currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Alabama:

Cheapest Virginia car Insurance after a driving violation

Driving violations not only carry fines and legal penalties, but they can drive up the cost of insurance, too. If you have a long list of violations on your record, you’ll be tagged a

high-risk driver

. You can still find coverage, but your policy will cost more than the average driver’s.

Cheapest car insurance for Virginia drivers with a speeding ticket

Break the speed limits in Virginia and you’ll be penalized according to how high over the speed limit you were traveling. The

speeding fines

increase by mile increments, not to mention the extremely high fines for

reckless driving

But speeding tickets also matter a lot when it comes to insurance rates for Virginia drivers.

find affordable coverage

with a speeding ticket on your record, turn to Jerry—here’s how we helped other Virginia drivers in your position.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 1-5	Progressive	$278	Edna, 30 Fincastle, VA	• 100,000/300,000 Liability • Comp / Collision
Speeding 6-10	Travelers	$163	Chris, 32 Norfolk, VA	• State Minimum Liability • Comp / Collision
Speeding 11-15	Bristol West	$525	Susie, 27 Ashburn, VA	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	Allstate	$305	Mae, 29 Richmond, VA	• 50,000/100,000 Liability • Comp / Collision
Speeding 21+	Bristol West	$194	Nell, 34 Fredericksburg, VA	• 30,000/60,000 Liability • Comp / Collision

Last Updated Jan 27, 2025

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Never any problems and always plenty of notice about upcoming payments.

Tina

Travelers is so quick to send help! And I got a discount for renewing!

Kenya

Good rates. Easy to transition.

Hector

Got a rate over $100 lower using Jerry! Love it and have recommended to all of my family and friends

Indiona

Cheapest auto insurance in Virginia after a DUI

Virginia considers all intoxicated violations to be DWIs—and the state has

strict laws

with serious penalties. Any DUI conviction will cause your insurance rates to skyrocket, and some companies might refuse to cover you.

Finding insurance after a DUI can be complicated, but Jerry has helped tons of Virginia drivers.

Progressive

Estelle (32 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Hayes, VA

Toyota Prius

$144

per month

AAA

Rosalie (39 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Richmond, VA

Ford Fusion SE

$201

per month

Allstate

Susan (38 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Suffolk, VA

Buick Lacrosse

$149

per month

Mercury

Lottie (32 years old)

DUI

Coverage

State Minimum

Newport News, VA

Hyundai Veloster Turbo

$204

per month

Gainsco

Daniel (29 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Charlottesville, VA

Chevrolet Cruze LT

$319

per month

National General

Troy (46 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Midlothian, VA

BMW 328 XI Sulev

$82

per month

Virginia SR-22 insurance

After extremely risky driving behavior, the state of Virginia might require you to prove that you can be allowed back on the road. You do this by finding a car insurance company to file an SR-22 or FR-44 form on your behalf.

The

SR-22 in Virginia

is a form that proves your financial responsibility. The insurance company must file it and there is a small fee, alongside the inflated insurance costs. The FR-44 is required for drivers with a DWI conviction, and insurance costs are much higher.

Here are a few violations that could require you to file an SR-22:

Reckless driving

Participating in a

hit-and-run

Driving a car without a driver’s license

Using

fake proof of insurance

Lying to the DMV

Driving without insurance

Committing a felony

Cheapest Virginia auto Insurance after an at-fault accident

The truth is that causing an accident is a clear sign to insurance providers that you’re a risky driver. But it’s also true that you can still shop around to find a good rate—and Jerry can help.

Here are some sample insurance rates for Virginia drivers who have at-fault accidents on record.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$260	Tyler, 48 Ferrum, VA	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Nationwide	$89	Tom, 34 Lynchburg, VA	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Allstate	$169	Theodore, 33 Norfolk, VA	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Nationwide	$104	Adelaide, 50 Henrico, VA	• 30,000/60,000 Liability • Comp / Collision
At Fault With Injury	Mercury	$149	Callie, 53 Falmouth, VA	• State Minimum Liability • Comp / Collision

Last Updated Jan 28, 2025

FAQs

Is Virginia an at-fault state?

Yes. If you get into a car accident, you’ll

file against the at-fault party

to recover damages. If the other party was uninsured, you can file against your UM coverage.

The bottom line: All Virginia drivers are required to carry minimum liability coverage and uninsured motorist bodily injury insurance, but experts recommended higher coverage levels for most drivers.

Cheapest auto insurance after other violations in Virginia

Breaking even one of Virginia’s traffic laws could have a negative impact on your rates. Yes, even following too closely behind another vehicle could go on your record.

Check out this list of common traffic violations in Virginia, and see how they affect car insurance rates.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Progressive	$83	Warren, 54 Woodbridge, VA	Toyota Prius	• 30,000/60,000 Liability
Cell Phone	AAA	$194	Jordan, 29 Stephens City, VA	KIA Soul GT Line	• 30,000/60,000 Liability • Comp / Collision
Defective Equipment	Allstate	$165	Lucile, 36 Emporia, VA	Ford Explorer Sport	• 100,000/300,000 Liability • Comp / Collision
Driving on Sus. License	Nationwide	$130	Tom, 31 Sterling, VA	Mitsubishi Mirage LE	• 100,000/300,000 Liability • Comp / Collision
DUI	Gainsco	$134	Dale, 46 Powhatan, VA	Hyundai Tucson GLS	• 30,000/60,000 Liability
Eluding Police	Mercury	$198	Lenora, 29 Goode, VA	Toyota Prius C	• 30,000/60,000 Liability • Comp / Collision
Failure to Obey Signal	Nationwide	$74	Lettie, 36 Mc Lean, VA	Toyota Camry	• 100,000/300,000 Liability • Comp / Collision
Illegal Turn	Clearcover	$87	Bryan, 28 Centreville, VA	Honda Civic EX	• 30,000/60,000 Liability • Comp / Collision
Improper Passing	Mercury	$123	Angel, 52 Hampton, VA	Dodge Journey SE	• 30,000/60,000 Liability • Comp / Collision
Leaving scene of an Accident/Hit and Run	Safeco	$146	Madge, 59 Woodbridge, VA	Volkswagen Passat S	• State Minimum Liability • Comp / Collision
Open Container	Bristol West	$175	Ernest, 23 Newport News, VA	Chevrolet Impala LT	• State Minimum Liability • Comp / Collision
Passing School Bus	National General	$121	Gilbert, 33 Newport News, VA	Nissan Armada SV	• State Minimum Liability • Comp / Collision
Racing/Drag Racing	Progressive	$108	Etta, 24 Glen Allen, VA	Subaru Impreza WRX	• State Minimum Liability
Reckless Driving	AAA	$275	Earl, 30 North Chesterfield, VA	Nissan Murano S	• 30,000/60,000 Liability • Comp / Collision
Seat Belt	Allstate	$277	Jay, 23 Bumpass, VA	Ford F250 Super Duty	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	State Auto	$231	Pauline, 33 Fredericksburg, VA	Jeep Compass Latitude	• 30,000/60,000 Liability • Comp / Collision
Speeding Violation-Minor	Travelers	$134	Garrett, 30 Waynesboro, VA	Nissan Versa S	• 30,000/60,000 Liability • Comp / Collision
Suspension	Gainsco	$705	Laura, 41 Vinton, VA	Chevrolet S Truck S10	• 30,000/60,000 Liability
Vehicle Theft	Gainsco	$116	Aaron, 27 Elliston, VA	Ford Explorer	• State Minimum Liability
Wrong Way/Wrong Lane	Mercury	$141	Ernest, 29 Salem, VA	KIA Optima SX	• State Minimum Liability • Comp / Collision
Other Minor	Plymouth Rock	$385	Bernard, 30 Norfolk, VA	Honda Accord LX	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

How to find cheap Virginia car insurance after a car insurance lapse

If you don’t maintain car insurance coverage consistently, the companies will see a

lapse in coverage

on your record. That’s a big red flag, and gaps in coverage usually trigger an increase in your premium.

Jerry customers benefit from regular reminders to avoid lapses in coverage. We also help people with lapses find coverage again, like the Virginia drivers below.

Progressive

Rena (36 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Norfolk, VA

Acura MDX

$116

per month

Nationwide

Sean (38 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Beaverdam, VA

Nissan Versa S

$177

per month

Safeco

Donald (44 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Falls Church, VA

Acura ILX Premium A-Spec

$118

per month

Nationwide

Larry (40 years old)

Not Currently Insured

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Hampton, VA

Nissan Sentra 2.0

$121

per month

National General

Caroline (39 years old)

Currently Insured

Coverage

State Minimum

Richmond, VA

Chevrolet Equinox LT

$98

per month

State Auto

Jorge (32 years old)

Not Currently Insured

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Stafford, VA

Hyundai Sonata SE

$164

per month

Cheapest Virginia car insurance for drivers with poor credit

While credit has nothing to do with your driving habits, data shows that people with poor credit tend to file more insurance claims. So if

your credit score

is under 600, you can expect to be charged a higher rate for coverage in Virginia.

Take a look at how much drivers with poor credit in Virginia are paying for insurance.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$126	Nathaniel, 28 Midlothian, VA	Nissan Sentra S	• State Minimum Liability • Comp / Collision
660 - 750	Allstate	$96	Jay, 53 Wise, VA	Dodge Grand Caravan SE	• 50,000/100,000 Liability • Comp / Collision
550 - 659	Travelers	$70	Charles, 65 Roanoke, VA	Cadillac XT5 Premium Luxury	• 100,000/300,000 Liability • Comp / Collision
< 550	AAA	$217	Juan, 24 Roseland, VA	Toyota Corolla LE	• 50,000/100,000 Liability • Comp / Collision

Last Updated Jan 27, 2025

How to find cheap auto insurance in Virginia for your age

Very old and very young drivers face higher than average rates in Virginia. Older drivers face more risks in an accident, and younger drivers have less experience behind the wheel. If you’re younger than 25 or older than 75, you’ll pay more for coverage in Virginia.

Cheapest Virginia car insurance for young drivers

More specifically, teen drivers in Virginia under the age of 19 or with a

provisional license

will pay the absolute highest

rates for coverage

. This is one reason why we recommend full coverage for any young driver, especially if they’re driving a newer vehicle.

Here are some real-life examples of young drivers in Virginia who got insurance through Jerry.

Progressive

Johnny (19 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Fairfax, VA

Nissan Rogue Sport S

$276

per month

AAA

Celia (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Independence, VA

Ford Taurus SE

$179

per month

Safeco

Theresa (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Staunton, VA

Subaru WRX Premium

$210

per month

Mercury

Katie (24 years old)

Coverage

State Minimum

Evington, VA

KIA Soul

$117

per month

Bristol West

Howard (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Newport News, VA

Chevrolet S10

$243

per month

National General

Lura (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Culpeper, VA

Honda Civic EX

$116

per month

Cheapest Virginia car insurance for senior drivers

Golden years come with golden price tags, unfortunately. Senior drivers are more vulnerable to serious injuries in a car accident, which is why car insurance companies charge them more for coverage.

Progressive

Joseph (65 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Vienna, VA

Mini Cooper Clubman

$200

per month

Travelers

Jeremy (81 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Alexandria, VA

Honda Accord Touring Hybrid

$102

per month

AAA

Michael (81 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

Alexandria, VA

Aston Martin DB9

$87

per month

Clearcover

Joshua (72 years old)

Coverage

State Minimum

Norfolk, VA

Mercury Mountaineer Premier

$92

per month

Bristol West

Polly (74 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Hampton, VA

Toyota Camry LE

$166

per month

National General

Isabella (68 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Manassas, VA

Toyota Camry

$144

per month

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Got me covered fully for half the price of the competition, one happy customer over here!

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Cheapest car insurance for popular cars

The car you drive has a big influence on how much you pay for coverage. A souped up Range Rover should cost more to insure than a practical Camry, right?

Here are some of the most popular cars in Virginia:

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 LE	Progressive	$60	Lizzie, 35 Virginia Beach, VA	• 50,000/100,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

MORE:

How to get car insurance before buying a car

Car insurance cost for new vs. old car

Newer cars cost more to insure, in general. If you drive a car older than 10 years old, you can save a ton of money on insurance. But if you’re determined to drive a brand new car, expect top-notch premiums.

Progressive

Trevor (29 years old)

2004 Subaru Forester 2.5X

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Roanoke, VA

$247

per month

Nationwide

Josephine (55 years old)

2005 Ford Escape Limited

Coverage

State Minimum

Spotsylvania Courthouse, VA

$76

per month

AAA

Genevieve (26 years old)

2002 Hyundai Santa FE GLS

Coverage

50,000 per person

100,000 per accident bodily injury

Bon Air, VA

$133

per month

Allstate

Mina (56 years old)

2005 Subaru Forester 2.5XS

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Chesapeake, VA

$82

per month

Safeco

Barbara (34 years old)

2004 Buick Park Avenue

Coverage

50,000 per person

100,000 per accident bodily injury

Marion, VA

$69

per month

Bristol West

Violet (23 years old)

1999 Chevrolet S10

Coverage

50,000 per person

100,000 per accident bodily injury

Newport News, VA

$243

per month

Virginia cheapest car insurance by location

Someone in

Richmond

shouldn’t pay the same as someone in

Virginia Beach

, right? Zip codes are a key determinant in car insurance premiums. Your neighborhood has a unique risk profile, from traffic accident rates to crime statistics.

If you’re looking for low rates, check out these examples of how Jerry Insurance Agency has helped drivers across Virginia.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance coverage
Alexandria, VA	Christopher, 34	Progressive	$270	Toyota Scion TC	• 50,000/100,000 Liability • Comp / Collision
Richmond, VA	Cody, 28	Travelers	$84	Volkswagen Passat SE	• 100,000/300,000 Liability • Comp / Collision
Henrico, VA	Ellen, 51	Nationwide	$104	Acura RDX	• 30,000/60,000 Liability • Comp / Collision
Alexandria, VA	Susie, 36	Safeco	$88	Nissan Altima 2.5	• 50,000/100,000 Liability
Roanoke, VA	Gilbert, 20	AAA	$300	Toyota Camry LE	• 30,000/60,000 Liability
Harrisonburg, VA	Marc, 28	National General	$96	Volkswagen Passat SE	• 50,000/100,000 Liability • Comp / Collision
Fredericksburg, VA	Lawrence, 51	Bristol West	$228	Toyota Camry LE	• 50,000/100,000 Liability
Newport News, VA	Georgie, 30	Gainsco	$387	Nissan Armada SE	• 50,000/100,000 Liability • Comp / Collision
Alexandria, VA	Owen, 22	Clearcover	$197	Honda Accord LX	• 50,000/100,000 Liability
Hampton, VA	Laura, 33	Trexis	$365	Nissan Rogue S	• 100,000/300,000 Liability • Comp / Collision
Richmond, VA	Elizabeth, 23	Dairyland	$418	Chevrolet Impala LS	• 30,000/60,000 Liability
Roanoke, VA	Ellen, 29	Assurance America	$255	Subaru Forester 2.5X	• 50,000/100,000 Liability • Comp / Collision
Richmond, VA	Josephine, 37	Electric	$139	Toyota Camry LE	• 50,000/100,000 Liability • Comp / Collision
Christiansburg, VA	Polly, 53	The General	$168	Dodge Avenger SXT	• 30,000/60,000 Liability

Last Updated Jan 29, 2025

How to lower the cost of car insurance in Virginia

Virginia drivers can unlock savings by following these helpful tips, from getting discounts to adjusting your coverage.

Tips to cut costs and find cheap auto insurance:

Get quotes from insurance providers every six months before you sign up for a policy.

Ask about

car insurance discounts

, like a good drivers discount.

Raise your deductible, if your budget allows it.

Bundle your car insurance with home

or renters coverage to save.

If you drive an older car, consider removing collision and comprehensive coverage.

If you have any duplicate coverages, remove them (like towing and labor if you have AAA).

Why does car insurance cost this much in Virginia

Virginia car insurance is pretty affordable, compared to the national rate. However, premiums could be on the rise due to these factors:

Cost of car parts

Traffic accident rates

Rising medical costs

Remember that your coverage limits and coverage types impact your cost, too. You can go beyond the car insurance requirements of the state, if you like, but you’ll pay more for the extra protection.

FAQs

Do you need car insurance in Virginia?

Yes. All Virginia drivers are required to purchase minimum liability and UM coverage to drive legally.

How much is car insurance in Virginia?

For basic liability coverage, the standard Virginia driver will pay about $154 per month or $1,851 per year. If you want full coverage, the cost of car insurance in Virginia rises to $266 per month or $3,191 per year.

What are the minimum requirements for car insurance in Virginia?

All Virginia drivers must carry 30/60/20 liability coverage plus the same amount of uninsured motorist coverage, which protects you if you get into an accident with an uninsured motor vehicle.

What happens if you don’t have car insurance in Virginia?

If you’re caught driving without insurance in Virginia, you could face the following penalties:

$500 fine

3-year required SR-22 filing

License and registration suspension

What is the cheapest car insurance in Virginia?

State Farm and USAA are some of the best car insurance companies in terms of rates in Virginia, if you can qualify.

Why is car insurance going up in Virginia?

Premiums could be on the rise in Virginia due to these factors:

Cost of car parts

Traffic accident rates

Rising medical costs

Is it illegal to not have car insurance in Virginia?

If you have a vehicle registered with the state of Virginia, failure to purchase and carry adequate coverage for it is illegal.

Is insurance cheaper in Virginia?

Yes, lucky you! Virginia drivers pay less than the national average for car insurance—in general. Drivers in some zip codes pay much higher rates, however.

Is insurance cheaper in Virginia?

Yes, lucky you! Virginia drivers pay less than the national average for car insurance—in general. Drivers in some zip codes pay much higher rates, however.

Do you need insurance to register a car in Virginia?

Yup. The Virginia Department of Motor Vehicles requires that drivers show proof of insurance before they can register a car. The vehicle fee is just over $30 in Virginia for a passenger vehicle.

Can your car get towed for no insurance in Virginia?

Yes.

Virginia’s towing laws

state that your vehicle must be towed if you’re caught driving without insurance. You’ll be on the hook for the towing fees, plus the fees to recover the vehicle from impound.

Can your car get towed for no insurance in Virginia?

Yes.

Virginia’s towing laws

state that your vehicle must be towed if you’re caught driving without insurance. You’ll be on the hook for the towing fees, plus the fees to recover the vehicle from impound.

Does insurance follow the car or the driver in Virginia?

Insurance follows the car. Your policy will cover other drivers who temporarily drive your car, too, thanks to permissive use. An exception is non-owner insurance, which follows the driver from car to car.

Can you have out of state car insurance in Virginia?

It’s not a problem to travel through Virginia with out-of-state insurance. But you should get a new policy with your local address once you move to Virginia officially.

Is PIP required in Virginia?

No, PIP is an optional coverage for Virginia drivers.

Can you have both PIP and MedPay in Virginia?

No, you must choose between MedPay and PIP. Both cover similar healthcare expenses, but it’s most useful for people who don’t have health insurance.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more

about our editorial standards, and our expert review board

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.