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 companies in Virginia

Travelers offers the lowest car insurance rates in Virginia, with an average annual premium of $1,213 per year. It’s $624 less expensive than the average car insurance cost in Virginia. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

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

Drivers in the 22821 ZIP code pay the lowest average annual premium in Virginia, at $1,506. See which other areas of the state offer more affordable rates below.

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 record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Virginia

A single speeding ticket in Virginia can push your rates up by 36%, or about $658. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage 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

Being 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 $1,778.

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.

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

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Virginia keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

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

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

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

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

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 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.