Low-cost car insurance in Virginia

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Drivers in Virginia can find the cheapest average premium with Travelers, at $1,213 per year. By comparison, the statewide average monthly cost is $153. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Virginia requires drivers to carry at least $50,000 in bodily injury coverage per person, $100,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Virginia, depending on your situation.

Key Takeaways

Travelers offers the lowest car insurance rates in Virginia, at $1,213 per year, which is about $624 the state average.
Travelers has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $1,778.
The ZIP code 22821 has the low-cost car insurance rates in Virginia, at an average annual rate of $1,506.

Low-cost car insurance businesses in Virginia

When comparing insurers in Virginia, Travelers leads the pack with an annual average of $1,213. That’s $624 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Virginia.

Company	Average annual rates
Travelers	$1,213
Virginia Farm Bureau	$1,216
GEICO	$1,581
Erie Insurance	$1,736
Auto-Owners	$1,979
Allstate	$2,490
Progressive	$2,525
State Farm	$2,529
Farmers	$5,319
USAA*	$1,181

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Virginia

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Virginia

In Virginia, drivers living in the 22821 ZIP code enjoy the lowest average annual premium at $1,506. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
22821	Dayton	$1,506
22802	Harrisonburg	$1,516
22801	Harrisonburg	$1,525
24060	Blacksburg	$1,527
22812	Bridgewater	$1,535
22841	Mount Crawford	$1,536
22848	Pleasant Valley	$1,537
22831	Hinton	$1,543
22803	Harrisonburg	$1,545
22846	Penn Laird	$1,550

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Virginia by city

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Low-cost car insurance in Virginia by age

Teen drivers in Virginia pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $4,493 more than a 40-year-old driver in Virginia.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$5,171
Young Adults (20-24)	$2,917
Adults (25-60)	$1,829
Seniors (65-75)	$1,870

Low-cost car insurance in Virginia by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Virginia

One speeding ticket in Virginia can cause your insurance rates to jump by 36%, or roughly $658 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,213	$1,836	51%	$623
Erie Insurance	$1,736	$1,954	13%	$218
State Farm	$2,529	$2,720	8%	$191
GEICO	$1,581	$2,933	86%	$1,352
Auto-Owners	$1,979	$3,208	62%	$1,229
Allstate	$2,490	$3,238	30%	$747
Progressive	$2,525	$3,340	32%	$815
Farmers	$5,319	$6,505	22%	$1,186
USAA*	$1,181	$1,435	22%	$254

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Virginia

Travelers offers the lowest car insurance rates to drivers after an at-fault accident at $1,778 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,213	$1,778	47%	$565
Erie Insurance	$1,736	$2,395	38%	$659
GEICO	$1,581	$2,624	66%	$1,043
State Farm	$2,529	$2,940	16%	$411
Progressive	$2,525	$3,923	55%	$1,399
Allstate	$2,490	$5,091	104%	$2,601
Farmers	$5,319	$8,845	66%	$3,526
USAA*	$1,181	$1,776	50%	$595

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Virginia

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Virginia offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Travelers	$1,213	$1,907	$694	57%
State Farm	$2,529	$2,720	$191	8%
Erie Insurance	$1,736	$2,835	$1,099	63%
Auto-Owners	$1,979	$3,208	$1,229	62%
Progressive	$2,525	$3,210	$685	27%
GEICO	$1,581	$3,432	$1,851	117%
Allstate	$2,490	$3,679	$1,189	48%
Farmers	$5,319	$14,841	$9,522	179%
USAA*	$1,181	$2,239	$1,058	90%

*USAA is only available to military community members and their families.

Average cost of car insurance Virginia

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Virginia, the average cost of full coverage is $676 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Virginia, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Virginia.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Virginia. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.