The Cheapest Car Insurance in Virginia for July 2024
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Auto insurance is an important purchase, but finding cheap car insurance in Virginia isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.
The cheapest car insurance company in Virginia is Virginia Farm Bureau at $780 per year on average, or $65 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Virginia. Meanwhile, the average cost of full coverage car insurance in Virginia is $1,619 per year, or about $135 per month.
Did your rates go up? Auto insurance prices are on the rise in Virginia. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in Virginia is $649 per year on average, but we found you can likely get a cheaper policy. For example, Virginia Farm Bureau offers the cheapest rates in Virginia at $309 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.If you’re looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Virginia cities, including:
How we chose the cheapest companies in Virginia
NerdWallet’s editorial team analyzed car insurance rates from 21 auto insurers in Virginia and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Virginia. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Cheapest for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in Virginia for 20-year-olds
Drivers in Virginia with clean driving records may want to consider the following companies, which had the lowest average rates:
- Travelers: $1,540 per year, or about $128 per month.
- Geico: $2,195 per year, or about $183 per month.
- Virginia Farm Bureau: $2,443 per year, or about $204 per month.
- Progressive: $2,645 per year, or about $220 per month.
- Erie: $2,717 per year, or about $226 per month.
Cheapest minimum coverage car insurance in Virginia for 20-year-olds
Drivers in Virginia who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
- Travelers: $440 per year, or about $37 per month.
- Geico: $721 per year, or about $60 per month.
- Erie: $822 per year, or about $68 per month.
- Virginia Farm Bureau: $1,071 per year, or about $89 per month.
- Mercury: $1,107 per year, or about $92 per month.
Cheapest auto insurance in Virginia for 20-year-olds with poor credit
Drivers with poor credit in Virginia should look at the following insurers with the lowest average rates for minimum coverage:
- Travelers: $662 per year, or about $55 per month.
- Geico: $925 per year, or about $77 per month.
- Chubb: $1,217 per year, or about $101 per month.
- Virginia Farm Bureau: $1,638 per year, or about $137 per month.
- Mercury: $1,641 per year, or about $137 per month.
Cheapest auto insurance in Virginia for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
- Travelers: $522 per year, or about $43 per month.
- Geico: $722 per year, or about $60 per month.
- Erie: $919 per year, or about $77 per month.
- Virginia Farm Bureau: $1,176 per year, or about $98 per month.
- Chubb: $1,217 per year, or about $101 per month.
Cheapest auto insurance in Virginia for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in Virginia, here are the companies with the lowest average rates for minimum coverage:
- Travelers: $617 per year, or about $51 per month.
- Geico: $881 per year, or about $73 per month.
- Virginia Farm Bureau: $1,081 per year, or about $90 per month.
- Erie: $1,095 per year, or about $91 per month.
- Progressive: $1,418 per year, or about $118 per month.
Cheapest auto insurance in Virginia for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
- Travelers: $715 per year, or about $60 per month.
- Geico: $1,191 per year, or about $99 per month.
- Erie: $1,245 per year, or about $104 per month.
- Virginia Farm Bureau: $1,378 per year, or about $115 per month.
- Progressive: $1,379 per year, or about $115 per month.
Cheapest for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in Virginia for 30-year-olds
Drivers in Virginia who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- Virginia Farm Bureau: $780 per year, or about $65 per month.
- Travelers: $959 per year, or about $80 per month.
- Geico: $1,053 per year, or about $88 per month.
- Penn National: $1,301 per year, or about $108 per month.
- Erie: $1,394 per year, or about $116 per month.
Cheapest minimum coverage car insurance in Virginia for 30-year-olds
Drivers in Virginia who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- Travelers: $314 per year, or about $26 per month.
- Virginia Farm Bureau: $314 per year, or about $26 per month.
- Geico: $375 per year, or about $31 per month.
- Erie: $440 per year, or about $37 per month.
- State Farm: $539 per year, or about $45 per month.
Cheapest auto insurance in Virginia for 30-year-olds with poor credit
Drivers with poor credit in Virginia should consider the following companies with the lowest average rates for full coverage:
- Virginia Farm Bureau: $1,168 per year, or about $97 per month.
- Geico: $1,596 per year, or about $133 per month.
- Chubb: $1,605 per year, or about $134 per month.
- Travelers: $1,649 per year, or about $137 per month.
- Nationwide: $2,201 per year, or about $183 per month.
Cheapest auto insurance in Virginia for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
- Travelers: $356 per year, or about $30 per month.
- Virginia Farm Bureau: $359 per year, or about $30 per month.
- Geico: $441 per year, or about $37 per month.
- Erie: $467 per year, or about $39 per month.
- Auto-Owners: $601 per year, or about $50 per month.
Cheapest auto insurance in Virginia for 30-year-old drivers with one at-fault crash
For drivers in Virginia with a recent accident, here are the lowest average rate options for full coverage:
- Virginia Farm Bureau: $780 per year, or about $65 per month.
- Travelers: $1,324 per year, or about $110 per month.
- Geico: $1,701 per year, or about $142 per month.
- Penn National: $1,838 per year, or about $153 per month.
- Erie: $1,903 per year, or about $159 per month.
Cheapest auto insurance in Virginia for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for full coverage.
- Virginia Farm Bureau: $952 per year, or about $79 per month.
- Travelers: $1,432 per year, or about $119 per month.
- Progressive: $2,113 per year, or about $176 per month.
- Geico: $2,231 per year, or about $186 per month.
- Erie: $2,293 per year, or about $191 per month.
Cheapest for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in Virginia for 40-year-olds
Drivers in Virginia with clean driving records may want to think about the following companies, which had the lowest average rates:
- Virginia Farm Bureau: $755 per year, or about $63 per month.
- Travelers: $853 per year, or about $71 per month.
- Geico: $1,036 per year, or about $86 per month.
- Penn National: $1,164 per year, or about $97 per month.
- Erie: $1,283 per year, or about $107 per month.
Cheapest minimum coverage car insurance in Virginia for 40-year-olds
Drivers in Virginia who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
- Travelers: $292 per year, or about $24 per month.
- Virginia Farm Bureau: $305 per year, or about $25 per month.
- Geico: $383 per year, or about $32 per month.
- Erie: $398 per year, or about $33 per month.
- Cincinnati Insurance: $445 per year, or about $37 per month.
Cheapest auto insurance in Virginia for 40-year-olds with poor credit
Drivers with poor credit in Virginia can check out the following insurers with the lowest average rates for full coverage:
- Virginia Farm Bureau: $1,129 per year, or about $94 per month.
- Travelers: $1,481 per year, or about $123 per month.
- Geico: $1,568 per year, or about $131 per month.
- Chubb: $1,605 per year, or about $134 per month.
- Nationwide: $2,137 per year, or about $178 per month.
Cheapest auto insurance in Virginia for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
- Travelers: $344 per year, or about $29 per month.
- Virginia Farm Bureau: $348 per year, or about $29 per month.
- Erie: $422 per year, or about $35 per month.
- Geico: $455 per year, or about $38 per month.
- Cincinnati Insurance: $515 per year, or about $43 per month.
Cheapest auto insurance in Virginia for 40-year-old drivers with one at-fault crash
For drivers with a recent accident living in Virginia, here are the companies with the lowest average rates for full coverage:
- Virginia Farm Bureau: $755 per year, or about $63 per month.
- Travelers: $1,240 per year, or about $103 per month.
- Penn National: $1,640 per year, or about $137 per month.
- Geico: $1,642 per year, or about $137 per month.
- Erie: $1,721 per year, or about $143 per month.
Cheapest auto insurance in Virginia for 40-year-old drivers after a DUI
The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.
- Virginia Farm Bureau: $921 per year, or about $77 per month.
- Travelers: $1,344 per year, or about $112 per month.
- Progressive: $1,954 per year, or about $163 per month.
- Erie: $2,062 per year, or about $172 per month.
- Mercury: $2,159 per year, or about $180 per month.
Cheapest for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in Virginia for 50-year-olds
Drivers in Virginia with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
- Virginia Farm Bureau: $755 per year, or about $63 per month.
- Travelers: $835 per year, or about $70 per month.
- Geico: $999 per year, or about $83 per month.
- Penn National: $1,057 per year, or about $88 per month.
- Erie: $1,180 per year, or about $98 per month.
Cheapest minimum coverage car insurance in Virginia for 50-year-olds
Drivers in Virginia who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
- Travelers: $292 per year, or about $24 per month.
- Virginia Farm Bureau: $310 per year, or about $26 per month.
- Erie: $373 per year, or about $31 per month.
- Geico: $389 per year, or about $32 per month.
- Cincinnati Insurance: $438 per year, or about $37 per month.
Cheapest auto insurance in Virginia for 50-year-olds with poor credit
Drivers with poor credit in Virginia can check with the following companies, which showed the lowest average rates for full coverage:
- Virginia Farm Bureau: $1,129 per year, or about $94 per month.
- Chubb: $1,410 per year, or about $117 per month.
- Travelers: $1,450 per year, or about $121 per month.
- Geico: $1,507 per year, or about $126 per month.
- Nationwide: $2,026 per year, or about $169 per month.
Cheapest auto insurance in Virginia for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
- Travelers: $344 per year, or about $29 per month.
- Virginia Farm Bureau: $348 per year, or about $29 per month.
- Erie: $395 per year, or about $33 per month.
- Geico: $458 per year, or about $38 per month.
- Cincinnati Insurance: $509 per year, or about $42 per month.
Cheapest auto insurance in Virginia for 50-year-old drivers with one at-fault crash
For drivers living in Virginia with a recent accident, here are the insurers with the lowest average full coverage rates:
- Virginia Farm Bureau: $755 per year, or about $63 per month.
- Travelers: $1,214 per year, or about $101 per month.
- Penn National: $1,486 per year, or about $124 per month.
- Geico: $1,557 per year, or about $130 per month.
- Erie: $1,569 per year, or about $131 per month.
Cheapest auto insurance in Virginia for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.
- Virginia Farm Bureau: $922 per year, or about $77 per month.
- Travelers: $1,314 per year, or about $110 per month.
- Progressive: $1,863 per year, or about $155 per month.
- Erie: $1,878 per year, or about $156 per month.
- Mercury: $2,008 per year, or about $167 per month.
Cheapest for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in Virginia for 60-year-olds
Drivers in Virginia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Virginia Farm Bureau: $637 per year, or about $53 per month.
- Travelers: $767 per year, or about $64 per month.
- Geico: $978 per year, or about $82 per month.
- Penn National: $1,039 per year, or about $87 per month.
- Auto-Owners: $1,085 per year, or about $90 per month.
Cheapest minimum coverage car insurance in Virginia for 60-year-olds
Drivers in Virginia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Virginia Farm Bureau: $277 per year, or about $23 per month.
- Travelers: $286 per year, or about $24 per month.
- Erie: $360 per year, or about $30 per month.
- Geico: $392 per year, or about $33 per month.
- Mercury: $415 per year, or about $35 per month.
Cheapest auto insurance in Virginia for 60-year-olds with poor credit
Drivers with poor credit in Virginia can look at the following companies with the lowest average rates for full coverage:
- Virginia Farm Bureau: $948 per year, or about $79 per month.
- Travelers: $1,330 per year, or about $111 per month.
- Chubb: $1,410 per year, or about $117 per month.
- Geico: $1,463 per year, or about $122 per month.
- Nationwide: $1,864 per year, or about $155 per month.
Cheapest auto insurance in Virginia for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
- Virginia Farm Bureau: $301 per year, or about $25 per month.
- Travelers: $344 per year, or about $29 per month.
- Erie: $382 per year, or about $32 per month.
- Geico: $459 per year, or about $38 per month.
- Auto-Owners: $460 per year, or about $38 per month.
Cheapest auto insurance in Virginia for 60-year-old drivers with one at-fault crash
For drivers with a recent accident living in Virginia, here are the companies with the lowest average rates for full coverage:
- Virginia Farm Bureau: $637 per year, or about $53 per month.
- Travelers: $1,159 per year, or about $97 per month.
- Penn National: $1,466 per year, or about $122 per month.
- Auto-Owners: $1,492 per year, or about $124 per month.
- Geico: $1,519 per year, or about $127 per month.
Cheapest auto insurance in Virginia for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Virginia Farm Bureau: $776 per year, or about $65 per month.
- Travelers: $1,254 per year, or about $105 per month.
- Mercury: $1,802 per year, or about $150 per month.
- Erie: $1,818 per year, or about $152 per month.
- Progressive: $1,825 per year, or about $152 per month.
Cheapest for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Virginia for 70-year-olds
Drivers in Virginia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Virginia Farm Bureau: $647 per year, or about $54 per month.
- Travelers: $825 per year, or about $69 per month.
- Geico: $1,103 per year, or about $92 per month.
- Penn National: $1,113 per year, or about $93 per month.
- Auto-Owners: $1,141 per year, or about $95 per month.
Cheapest minimum coverage car insurance in Virginia for 70-year-olds
Drivers in Virginia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Virginia Farm Bureau: $281 per year, or about $23 per month.
- Travelers: $310 per year, or about $26 per month.
- Erie: $406 per year, or about $34 per month.
- Geico: $429 per year, or about $36 per month.
- Cincinnati Insurance: $447 per year, or about $37 per month.
Cheapest auto insurance in Virginia for 70-year-olds with poor credit
Drivers with poor credit in Virginia can look at the following companies with the lowest average rates for full coverage:
- Virginia Farm Bureau: $963 per year, or about $80 per month.
- Chubb: $1,410 per year, or about $117 per month.
- Travelers: $1,483 per year, or about $124 per month.
- Geico: $1,526 per year, or about $127 per month.
- Nationwide: $2,084 per year, or about $174 per month.
Cheapest auto insurance in Virginia for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
- Virginia Farm Bureau: $305 per year, or about $25 per month.
- Travelers: $388 per year, or about $32 per month.
- Erie: $430 per year, or about $36 per month.
- Geico: $478 per year, or about $40 per month.
- Auto-Owners: $503 per year, or about $42 per month.
Cheapest auto insurance in Virginia for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in Virginia, here are the companies with the lowest average rates for full coverage:
- Virginia Farm Bureau: $647 per year, or about $54 per month.
- Travelers: $1,297 per year, or about $108 per month.
- Penn National: $1,580 per year, or about $132 per month.
- Auto-Owners: $1,597 per year, or about $133 per month.
- Geico: $1,635 per year, or about $136 per month.
Cheapest auto insurance in Virginia for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Virginia Farm Bureau: $788 per year, or about $66 per month.
- Travelers: $1,406 per year, or about $117 per month.
- Auto-Owners: $1,984 per year, or about $165 per month.
- Progressive: $2,062 per year, or about $172 per month.
- Erie: $2,096 per year, or about $175 per month.
Cheapest car insurance for military families
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 55 of the 70 driver profiles we examined.
Minimum car insurance requirements in Virginia
Virginia requires drivers who purchase insurance to carry liability coverage in at least the following coverage amounts:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per accident.
$20,000 property damage liability per accident.
$25,000 uninsured/underinsured motorist coverage per person.
$50,000 uninsured/underinsured motorist coverage per accident.
$20,000 uninsured/underinsured motorist property damage coverage per accident.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits. An at-fault crash could easily result in injury or repair bills higher than the amounts listed above, so it’s often smart to purchase more than the minimum coverage.
Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.
Find out more about how the required and optional parts of your Virginia policy work by visiting our guide to minimum car insurance requirements by state.
In Virginia, it’s possible to register a car without insurance, but you must pay a $500 uninsured motor vehicle fee. Even if you pay this fee to avoid buying insurance, you still must pay for any damage you cause in a crash.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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