Cheapest Auto Insurance in Virginia (2025)

The average cost for car insurance in Virginia is $112 per month for liability coverage and $180 for full coverage. This is less than the national average of $104 per month for liability and $184 for full coverage.

Auto-Owners, State Farm, and USAA 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.

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

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:1

• 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.

Cheapest liability-only car insurance quotes in Virginia: Auto-Owners

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.2 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 $112 per month. The following insurers offer the cheapest liability-only quotes in Virginia.

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.3

Virginia drivers pay an average of $180 per month for full coverage. The following insurers offer some of the cheapest quotes for Virginia drivers.

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 2025.4

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:

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.6 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 $128 per month, which is higher than the average of $112 for drivers with a clean driving record.

Compare average quotes in Virginia by driving record below.

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.