Home Car insurance Car insurance rates by state Low-cost car insurance in Virginia Low-cost car insurance in Virginia Our data shows Virginia Farm Bureau delivers the lowest car insurance rates in Virginia. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Virginia, Virginia Farm Bureau offers the cheapest average premium at $1,167 per year. For comparison, the statewide average monthly cost is $122, though individual rates vary depending on your driving profile, location, and vehicle. Every state sets its own car insurance rules. In Virginia, the minimum liability requirement is $50,000 for bodily injury per person, $1,00,000 for bodily injury per accident, and $25,000 for property damage per accident.For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.Below, we highlight which insurers provide the most affordable rates across different driver categories. Key Takeaways Virginia Farm Bureau has the cheapest average premium in Virginia, coming in at $1,167 per year – about 21% compared to the state average.For drivers with an at-fault accident on their record, Travelers offers the lowest rates, with annual costs averaging $1,714.The 22821 ZIP code is the least expensive area in Virginia for car insurance, with an average yearly premium of $1,206. Low-cost car insurance businesses in VirginiaWhen comparing insurers in Virginia, Virginia Farm Bureau leads the pack with an annual average of $1,167. That’s 21% 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.CompanyAverage annual ratesVirginia Farm Bureau$1,167Travelers$1,169Erie Insurance$1,288GEICO$1,382Auto-Owners$1,405State Farm$1,479Allstate$2,021Progressive$2,120USAA*$1,192*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in Virginia 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in VirginiaDrivers in 22821 benefit from the lowest average premium in the state, at $1,206 per year. See the table below to find other ZIP codes in Virginia where insurance tends to be cheaper.ZIP codeCityAverage annual rates22821Dayton$1,20622802Harrisonburg$1,21422801Harrisonburg$1,22124060Blacksburg$1,22522812Bridgewater$1,22822841Mount Crawford$1,23222831Hinton$1,23322848Pleasant Valley$1,23522803Harrisonburg$1,23922846Penn Laird$1,244Powered by: You might find interesting Average car insurance cost in VirginiaCar insurance calculator for teens in VirginiaCheapest SR-22 insurance in VirginiaDo you need insurance to register a car in Virginia?How much is gap insurance in VirginiaNon-owner auto insurance in Virginia: Which company has the cheapest rates?The best, cheapest car insurance in VirginiaVirginia car insurance calculatorBest and cheapest companies for home and auto bundles in VirginiaShow more 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 cityNorfolkVirginia Beach Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost car insurance in Virginia by ageTeenagers pay significantly more for car insurance than adults in Virginia. For instance, a 16-year-old driver pays $4,329 more on average than a 40-year-old.The following table shows car insurance rates by age group in Virginia.Age groupFull coverage annual premiumsTeens (16-19)$4,495Young Adults (20-24)$2,337Adults (25-60)$1,469Seniors (65-75)$1,535Powered by:Low-cost car insurance in Virginia by driver historyYour 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 VirginiaOne speeding ticket in Virginia can cause your insurance rates to jump by 36%, or roughly $526 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseErie Insurance$1,288$1,45013%$162State Farm$1,479$1,5908%$111Travelers$1,169$1,76951%$600Auto-Owners$1,405$2,27962%$874GEICO$1,382$2,56385%$1,181Allstate$2,021$2,62830%$607Progressive$2,120$2,80432%$684USAA*$1,192$1,44922%$257*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in VirginiaBeing at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Travelers is the lowest-cost option for these drivers, with an average annual premium of $1,714.If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseTravelers$1,169$1,71447%$545State Farm$1,479$1,71916%$240Erie Insurance$1,288$1,77738%$489GEICO$1,382$2,29466%$912Progressive$2,120$3,29455%$1,174Allstate$2,021$4,132104%$2,111USAA*$1,192$1,79350%$601*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in VirginiaBeing labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Virginia offer the most affordable rates after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$1,479$1,590$1118%Travelers$1,169$1,838$66957%Erie Insurance$1,288$2,104$81663%Auto-Owners$1,405$2,279$87462%Progressive$2,120$2,695$57527%Allstate$2,021$2,986$96548%GEICO$1,382$3,000$1,618117%USAA*$1,192$2,260$1,06890%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance VirginiaFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.The average cost of full coverage car insurance in Virginia is $426 less than the national average car insurance rates in the U.S.We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.What is full coverage car insurance?Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.If you lease or finance your car in Virginia, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.The bottom line on saving and staying protectedEveryone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Virginia.MethodologyInsure.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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing 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.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance businesses in VirginiaHow we choose low-cost car insurance companies in VirginiaZIP codes with the cheapest car insurance in VirginiaLow-cost car insurance in Virginia by ageLow-cost car insurance in Virginia by driver historyAverage cost of car insurance VirginiaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330