Cheapest Auto Insurance in Virginia (2025)
Hugo offers the cheapest car insurance quotes in the Old Dominion, at $48 per month for liability-only coverage.
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The average cost for car insurance in Virginia is $110 per month for liability coverage and $176 for full coverage. This is less than the national average of $100 per month for liability and $177 for full coverage.
Hugo, Auto-Owners, and State Farm are a few of the cheapest companies for car insurance in Virginia. You may be able to find lower rates by comparing quotes from multiple insurance companies. Here’s what you need to know about finding affordable car insurance in Virginia.
Quick Facts
On average, drivers in Virginia pay $176 per month for full-coverage insurance.
Hugo, Auto-Owners, and State Farm are the cheapest car insurance companies in Virginia.
Because Virginia is an at-fault state, the driver responsible for an accident must cover the other driver’s medical expenses and vehicle repair costs.
3 of the cheapest car insurance companies in Virginia
As you shop for the best deal, you should consider your financial situation and insurance needs. Car insurance rates vary based on your age, driving record, credit history, chosen coverage, and other factors. Some insurance companies offer more competitive rates than others, so you should always compare quotes from multiple insurers.
Here are three of the cheapest car insurance companies in Virginia.
Auto-Owners
State Farm
GEICO
Calculate how much your Virginia car insurance might cost
Don’t go into car insurance shopping blind. Use this car insurance calculator to estimate how much you should pay for coverage, based on factors like your age, gender, driving history, credit, and more.
How to get the cheapest car insurance in Virginia
Various factors affect your car insurance rates, including your driving record, age, credit history, location, and more. But you can lower the cost of coverage in a few different ways:[?]
Bundle your policies. If you need different types of insurance coverage, like auto and home, you can typically save by getting both policies from the same insurer.
Utilize insurance discounts. Most companies offer insurance discounts that reward safe driving, customer loyalty, and more.
Increase your deductible. Your collision and comprehensive deductible is the amount you need to pay out of pocket when you file a claim. A higher deductible usually results in a lower premium.
Shop around. The age, safety features, and type of vehicle you own influence how much you pay for car insurance. Shop for quotes before you buy a car to secure the best rates.
Low-cost car insurance in Virginia
Car insurance rates in Virginia, like across the country, have seen double-digit hikes in the last few years. If you’re a low-income driver looking for affordable car insurance in the state, consider shopping for car insurance every six months and comparing quotes and discounts from at least three to five insurance companies to make sure you’re always getting the best deal.
Virginia previously didn’t require drivers to have a car insurance policy. But as of July 2024, it’s illegal for Virginia motorists to drive without insurance.
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Cheapest liability-only car insurance quotes in Virginia: Hugo
Like most states, Virginia mandates liability insurance. If you cause an accident, this insurance typically covers the costs of medical expenses and vehicle repairs for the other driver. It won’t cover the costs of any of your bodily injuries or property damage.[?] This coverage typically makes the most sense for people who drive older or inexpensive vehicles with lots of mileage.
The average cost for this coverage in Virginia is $110 per month. The following insurers offer the cheapest liability-only quotes in Virginia.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote |
|---|---|
| Hugo | $48 |
| Auto-Owners | $64 |
| State Farm | $65 |
| Mercury | $84 |
| USAA | $88 |
| CSAA | $92 |
| Progressive | $95 |
| Chubb | $96 |
| Elephant | $97 |
| Erie | $100 |
| National General | $107 |
| Bristol West | $111 |
| Direct Auto | $112 |
| GEICO | $114 |
| Nationwide | $114 |
| Root | $117 |
| GAINSCO | $123 |
| Safeco | $125 |
| Allstate | $137 |
| Dairyland | $138 |
| AssuranceAmerica | $142 |
| The General | $164 |
| Liberty Mutual | $165 |
| Travelers | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Virginia: Auto-Owners
Full-coverage car insurance offers you more vehicle protection. Specifics vary by insurer, but the policies typically include liability, comprehensive, and collision coverages. Comprehensive coverage kicks in for damages from non-collision incidents, like fire, severe weather, car theft, and vandalism.[?]
Virginia drivers pay an average of $176 per month for full coverage. The following insurers offer some of the cheapest quotes for Virginia drivers.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $101 |
| State Farm | $103 |
| Progressive | $128 |
| USAA | $139 |
| CSAA | $142 |
| Elephant | $144 |
| Chubb | $152 |
| Erie | $159 |
| GEICO | $164 |
| Mercury | $171 |
| Nationwide | $180 |
| Safeco | $186 |
| National General | $195 |
| Direct Auto | $197 |
| Bristol West | $200 |
| Root | $200 |
| Allstate | $217 |
| Liberty Mutual | $219 |
| GAINSCO | $256 |
| AssuranceAmerica | $263 |
| Travelers | $291 |
| The General | $310 |
| Dairyland | $328 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Your age has a significant effect on your car insurance premiums. Teenagers and other young drivers pay the highest premiums on average due to a lack of driving experience and a higher risk of accidents. Drivers 35 and older tend to earn cheaper rates as they age, but senior drivers 70 and older may pay slightly higher premiums due to aging-related risk factors.
Compare average premiums for teen, adult, and senior drivers in Virginia in the table below.
Age GroupAverage Quote: Liability OnlyAverage Quote: Full CoverageTeen drivers $229 $366 Adult drivers $110 $176 Senior drivers $95 $152
Car insurance requirements in Virginia
Virginia is an at-fault state, which means that the driver who causes an accident is responsible for paying the claims. Drivers in Virginia must have a minimum amount of bodily injury liability, property damage liability, and underinsured/uninsured motorist coverage to drive — the latter of which provides financial protection if the other driver doesn’t have coverage.
As of July 2024, all drivers in Virginia must purchase a car insurance policy that meets the state’s minimum requirements. Before this, Virginia allowed drivers who paid an annual $500 uninsured vehicle fee to forgo car insurance. The current requirements for Virginia drivers are effective through the end of 2024, but the minimum coverage requirements will increase in 2025.[?]
Coverage Type | Current Minimum Requirements | Minimum Requirements in 2025 |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $20,000 per accident | $25,000 per accident |
| Uninsured/underinsured motorist | Equal to liability limits | Equal to liability limits |
Though you only need to purchase the minimum coverage requirements, it’s often a good idea to add more coverage to protect your vehicle and finances.
“I’d never recommend state minimum limits. It typically isn’t a huge price difference to increase those coverages, and it significantly helps protect your assets in case of an accident,” says Dominic Frey, an insurance professional with Hitchings Insurance Agency. “You don’t want to cause a claim and then get sued because your policy didn’t pay out enough.”
If you want additional financial protection, you can consider the following optional policies:
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Cheapest car insurance quotes in Virginia by driving record
Your driving record affects your auto insurance rates. Incidents that can increase your rates include driving under the influence (DUI), speeding tickets, and at-fault accidents.[?] Insurance companies may classify you as a high-risk driver with a greater likelihood of filing a claim if you have certain driving incidents on your record.
The average cost of liability auto insurance in Virginia for drivers with a past incident is $126 per month, which is higher than the average of $110 for drivers with a clean driving record.
Compare average quotes in Virginia by driving record below.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Avg. Quote With Speeding Ticket | Avg. Quote With At-Fault Accident | Avg. Quote With DUI/DWI |
|---|---|---|---|
| Hugo | $64 | $62 | $74 |
| State Farm | $80 | $82 | $100 |
| Auto-Owners | $81 | $80 | $99 |
| USAA | $110 | $112 | $136 |
| CSAA | $113 | $125 | $142 |
| Elephant | $113 | $122 | $149 |
| Progressive | $114 | $118 | $153 |
| Mercury | $115 | $121 | $135 |
| Chubb | $118 | $121 | $148 |
| Erie | $129 | $125 | $151 |
| National General | $130 | $136 | $165 |
| Bristol West | $136 | $140 | $171 |
| Direct Auto | $138 | $147 | $173 |
| Nationwide | $143 | $146 | $176 |
| GAINSCO | $144 | $152 | $190 |
| GEICO | $145 | $140 | $172 |
| Root | $152 | $148 | $179 |
| Safeco | $161 | $169 | $204 |
| AssuranceAmerica | $164 | $182 | $219 |
| Dairyland | $168 | $175 | $213 |
| Allstate | $172 | $174 | $211 |
| Liberty Mutual | $204 | $212 | $254 |
| The General | $213 | $218 | $253 |
| Travelers | $231 | $236 | $283 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance rates across Virginia cities
Car insurance prices vary across cities in Virginia because insurance companies factor in your location, down to your ZIP code, when setting premiums. Some cities may have a higher risk of theft or a higher incidence of claims. Drivers in those cities may have to pay higher rates than others in Virginia.
The table below has a list of Virginia cities and the average cost of car insurance for their drivers.
- CityFull CoverageLiability Only
Alexandria $211 $140 Arlington $174 $121 Charlottesville $156 $96 Chesapeake $181 $125 Lynchburg $159 $98 Norfolk $213 $139 Richmond $210 $146 Roanoke $154 $97 Virginia Beach $178 $121 Woodbridge $211 $149 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Virginia car insurance FAQs
You should decide on the right amount of coverage for you before you select an insurer and purchase insurance. The following information should help answer your remaining questions about buying car insurance and finding the cheapest rates in Virginia.
How much is car insurance in Virginia?
The average cost of car insurance in Virginia is $110 per month for liability coverage and $176 for full coverage. Your specific rate will depend on your driving record, age, credit history, and more. The best way to avoid higher rates and find the cheapest options is to compare quotes from multiple auto insurers.
What company has the cheapest car insurance in Virginia?
Hugo has the cheapest car insurance rates in Virginia. The insurer's rates for liability-only coverage start as low as $48 per month. Auto-Owners and State Farm also offer Virginia drivers cheaper rates, with monthly liability costs as low as $64 and $65, respectively.
What are the best car insurance companies in Virginia?
With an Insurify Quality (IQ) Score of 9.3 and an A++ (Superior) AM Best rating, State Farm is the best car insurance company in Virginia. Other top insurers include Auto-Owners and GEICO.
Is it illegal to drive without insurance in Virginia?
Yes. As of July 2024, it’s illegal for Virginia drivers to operate a vehicle without maintaining the minimum amount of car insurance. Previously, drivers could opt out and pay a $500 uninsured motorist fee annually to the DMV upon vehicle registration. Now, all drivers in the state of Virginia have to purchase minimum auto insurance.
Is Virginia a no-fault state?
No. Virginia is an at-fault state. This means the driver responsible for causing a car accident must cover the other driver’s medical expenses and vehicle damages resulting from the accident.
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