Best Car Insurance in Virginia (2025)

State Farm, USAA, and Erie are three of the best car insurance companies in Virginia.

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Everyone has different priorities when it comes to car insurance. With so many available options, finding an insurance company that meets your needs and budget can feel overwhelming.

To narrow down your decision, Insurify’s editorial team analyzed 50 car insurance companies to help you find the best car insurance in Virginia.

Best car insurance companies in Virginia

The best car insurance companies in Virginia offer a range of coverage options, high customer satisfaction, and affordable pricing. Here are our top five picks for the best insurance companies in Virginia.

State Farm: Best car insurance company overall

USAA: Best car insurance company for military members

Erie: Best car insurance company for customer satisfaction

Auto-Owners: Best car insurance company for budget-friendly insurance

GEICO: Best car insurance company for usage-based insurance

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Virginia to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Virginia

To find the best auto insurance policies in Virginia, consider the following tips:

Average cost of car insurance in Virginia

The average cost of auto insurance in Virginia is $112  per month for liability coverage and $179 per month for full coverage. This is less than the national averages of $103 for liability average and $182 for full coverage.

As of July 1, 2024, the Virginia General Assembly instituted new laws to remove the option to pay a $500 fee rather than maintain insurance coverage. Now, all vehicles registered in Virginia have to meet minimum auto liability insurance limits. 

As of Jan. 1, 2025, Virginia drivers need to meet new state insurance minimums. Increasing coverage may result in higher rates, so it could be a good time to shop around.

Best car insurance in Virginia FAQs

If you’re still looking for more information about the best car insurance in Virginia, check out the answers to some of the most commonly asked questions below.

  • How much is car insurance in Virginia?

    Car insurance in Virginia costs an average of $112 per month for liability coverage and $179 per month for full coverage, Insurify data shows.

  • What are the best car insurance companies in Virginia?

    The best car insurance company in Virginia depends on your coverage needs and budget. Some of the top companies based on our analysis include State Farm, USAA, and Erie.

  • What is the required auto insurance coverage amount in Virginia?

    Effective Jan. 1, 2025, Virginia requires all drivers to have minimum liability coverage of $50,000 for the injury or death of one person, $100,000 for two or more people, and $25,000 in property damage.

    Policies effective from January 2022 to December 2024 require $30,000 in injury or death of one person, $60,000 for injury or death of two or more people, and $20,000 in property damage.

Jessica Martel
Jessica Martel

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

Jessica has been a contributor at Insurify since July 2023.