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Cheapest car insurance in Virginia for 2025

Updated Mar 01, 2025
Based on Bankrate's research, Travelers and USAA are some of the cheapest insurance companies for Virginia drivers.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The cheapest car insurance companies in Virginia

Drivers looking for the cheapest car insurance in Virginia may want to check out our guide to affordable coverage in Old Dominion. Based on our analysis of the latest rate data from Quadrant Information Services, Bankrate found that Virginia drivers pay an average of $2,161 per year for a full coverage policy, which includes state-mandated liability insurance along with optional collision and comprehensive coverage. Minimum coverage car insurance in Virginia is also cheap, with average rates of $759 per year. Although your own rate is likely to differ from the averages, our research may help you start your search to find the cheapest car insurance for you.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cheapest car insurance in Virginia for minimum coverage

As of July 1, 2024, all drivers in Virginia are required to carry a minimum amount of coverage to drive on public roads legally. Prior to this date, residents of the state could pay a fee in lieu of purchasing coverage, but this is no longer the case. A minimum car insurance policy consists of liability-only coverage, which pays for damages and medical costs for those in the other car if you are in an at-fault accident. The average cost of minimum coverage is $759 per year, but you may be able to find cheaper insurance by shopping around.

$31
$368
- $326
$34
$412
- $282
$40
$478
- $216
$41
$493
- $201
$41
$496
- $198

Minimum coverage requirements for Virginia drivers

As of January 1, 2025, all drivers in Virginia are required to carry minimum liability coverage of: 

Both uninsured and underinsured motorist coverages must be offered, but can be declined in writing. Purchasing only the minimum required coverage could put you in a vulnerable situation. Even with increased minimum limits, minimum coverage isn’t likely to cover the entire cost of an at-fault accident — nor will it provide any payment towards the repair or replacement of your own vehicle — which can make it even more difficult to financially recover from an accident. In addition, you may be required to carry full coverage if you have an auto loan or lease, since your lender or lessor will want to protect their investment in your vehicle.

Cheapest car insurance in Virginia for full coverage

Full coverage includes all the liability elements of minimum coverage, but adds in collision and comprehensive insurance. Drivers usually also opt for higher liability coverage limits on a full coverage policy. These types of coverage help pay for damage to your own car after an accident or other covered incident. Although it generally costs more, full coverage may protect you more fully after an accident. The average cost of full coverage car insurance in Virginia is $2,161 per year.

$88
$1,058
- $1,084
$88
$1,059
- $1,083
$105
$1,261
- $881
$119
$1,433
- $709
$138
$1,658
- $484

Cheapest car insurance in Virginia for drivers with prior incidents

In general, the cheapest car insurance rates in Virginia will be earned by drivers with a clean driving record. When you have moving violations on your record, your insurer perceives you as more likely to be involved in an accident in the future. They cover this increased risk by charging you more for your policy. Whatever your driving record, though, you may be able to find more affordable coverage by considering one of the companies we review below.

Cheapest insurance companies for drivers in Virginia with a speeding ticket: Travelers

Even a single speeding ticket conviction can impact your ability to find cheap auto insurance in Virginia. Safe drivers almost always earn the lowest rates. A speeding ticket indicates that you may take risks when you drive, making you more likely to be involved in an accident. In fact, a speeding ticket in Virginia increases the average cost of car insurance by several hundred dollars on average according to Bankrate's research. However, since each company determines rates differently, you may find cheap car insurance in Virginia after a speeding ticket at the following insurers.

$453
$1,429
$506
$1,537
$508
$1,743
$571
$1,883
$682
$2,515

Cheapest car insurance for drivers in Virginia with an at-fault accident: Travelers

Accidents are never a good thing, but when you are found to be at fault in one, either fully or partially, you may find your insurance premium increasing. If your policy includes accident forgiveness, a single accident may not lead to an increase.

$501
$1,496
$589
$1,974
$632
$1,907
$718
$2,393
$795
$2,965

Cheapest car insurance in Virginia for high-risk drivers: Travelers

High-risk drivers are more likely to partake in risky driving behaviors and file claims. If your insurer puts you in this category, you are likely to pay more for your insurance to help mitigate this risk. There are a number of infractions that can lead to you being considered high-risk, but perhaps the most serious is a conviction for DUI. A single instance of driving under the influence on your record can lead to significant increases in your premium rate and may even make you ineligible for coverage with some insurers. Multiple DUIs can lead to even more serious consequences, including suspension of your license.

$547
$1,578
$751
$2,401
$818
$2,946
$935
$2,959
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Bankrate’s take: Not all insurers will write policies for those who have been convicted of a DUI. Some — such as State Farm — consider the risk of a future accident to be too high, and thus will turn down policy applications for those with this mark on their license. If you have a DUI, be aware that you may need to switch companies if your current policy is with a company that is no longer willing to work with you because you are in the high-risk category.

Cheapest car insurance for young drivers in Virginia

In most states, age is one of the factors that insurers take into account when determining premium rates. Generally, teens pay more for their policies than any other age group, mainly because they lack experience behind the wheel and are statistically more likely than any other group to be involved in accidents. Having said that, it is possible to find cheap car insurance for young adults by shopping around — but be aware that the most affordable rates will be for teens who have a clean driving record.

Cheapest Virginia car insurance for insuring a teen driver: Travelers

Teen drivers have less driving experience than older, more experienced drivers, making them higher risk for accidents. Because they are more likely than any other age group to be involved in accidents, they generally pay higher premiums for their car insurance, whether they are on their parents' policy or their own. Teens may be able to save money by taking advantage of teen and student discounts. Here are the insurers who are writing some of the cheapest insurance in VA for teens.

$372
$984
$912
$2,983
$996
$3,639
$1,209
$3,127
$1,238
$1,720
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Bankrate’s take: Generally, teens have only been driving for a few years — or even less — and are still learning how to handle complex traffic and other driving situations. In addition, some teens may not realize the dangers of risky behavior like texting while driving. These characteristics are the reason why insurers often charge teens a much higher rate than other drivers, even if they have a clean record. Teens may be able to save money by remaining on their parents' policy for as long as possible.

Cheapest Virginia car insurance for teens with a ticket: Travelers

Earning a single ticket may be enough to increase a teen's policy costs. If you or your teen are in this situation, you may want to consider one of our other choices below for cheap insurance.

$573
$1,871
$1,110
$3,981
$1,651
$5,351
$1,944
$5,722
$2,152
$8,043

Cheapest Virginia car insurance for teens with an at-fault accident: Travelers

A single accident may be enough for insurers to consider your teen an at-risk driver. Taking a defensive driving course may help lower rates if this is the case.

$638
$1,963
$1,345
$4,647
$1,840
$5,956
$2,307
$6,768
$2,479
$6,885
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Bankrate’s take: One option you may want to consider if you have a teen driver in your household is adding an endorsement for accident forgiveness to your policy. There are a few insurers who include this in a basic policy, but for most, you will need to pay extra to have it included. This endorsement means your insurer will not raise rates after your (or your teen driver's) at-fault accident. Restrictions may apply, however, so it's worth talking to a knowledgeable agent if you are considering this.

Cheapest Virginia car insurance for young drivers with a DUI: Travelers

Possibly the most serious infraction a young driver can have on their license is a DUI. Most insurers take this very seriously, and some may not be willing to write a policy for a young driver who has one on their license.

$618
$1,794
$1,232
$4,296
$1,360
$4,226
$1,368
$4,753
$1,389
$4,599

Cheapest car insurance rates by city in Virginia

One factor that plays an important role in determining how much you will pay for your car insurance in Virginia is your ZIP code. If you live in a high crime area or a neighborhood that sees more than the average number of car accidents, you may pay more for your policy. Urban areas tend to have higher rates than rural areas, due to increased traffic congestion, which can lead to more accidents. Here are average rates in some of Virginia's cheapest and more populous cities:

Cheapest cities in Virginia for car insurance

Bristol
City average annual min coverage premium
$539
Cheapest car insurance carrier
Travelers
Company average annual premium
$287
Paint Bank
City average annual min coverage premium
$552
Cheapest car insurance carrier
Travelers
Company average annual premium
$290
Buchanan
City average annual min coverage premium
$540
Cheapest car insurance carrier
Travelers
Company average annual premium
$294
New Castle
City average annual min coverage premium
$539
Cheapest car insurance carrier
Travelers
Company average annual premium
$304
Bentonville
City average annual min coverage premium
$563
Cheapest car insurance carrier
Travelers
Company average annual premium
$305

Cheapest car insurance in larger cities in Virginia

Richmond
City average annual min coverage premium
$762
Cheapest car insurance carrier
Travelers
Company average annual premium
$400
Virginia Beach
City average annual min coverage premium
$811
Cheapest car insurance carrier
Travelers
Company average annual premium
$409
Norfolk
City average annual min coverage premium
$838
Cheapest car insurance carrier
Travelers
Company average annual premium
$431
Newport News
City average annual min coverage premium
$778
Cheapest car insurance carrier
Travelers
Company average annual premium
$389
Chesapeake
City average annual min coverage premium
$775
Cheapest car insurance carrier
Travelers
Company average annual premium
$394

Car insurance discounts in Virginia

Applying as many discounts as you qualify for is one of the best ways to save on car insurance in Virginia. Most insurers offer a handful of discount options, and many of them are easy to qualify for. Here are some common ones for Virginia drivers:

  • Young driver discounts: Your teen driver may qualify for any number of young driver discounts, such as for maintaining a good academic standing in high school or college. They may also earn a discount if they are away at school and live more than 100 miles away while on their parents’ policy.
  • Safety feature discount: Insurers consider the safety features that come with your vehicle and might give you a discount for them. Safety features can include anti-lock brakes, passive restraint, airbags, lane assist and more.
  • Safe driver discounts: Taking an approved defensive driving course is likely to earn you a discount off your premium. Additionally, there may be savings if you go a certain number of years without filing a claim — usually three to five. 
  • Bundling discount: If you have more than one policy with a single company, you're likely to see savings. Bundles with auto and homeowners or renters insurance tend to yield the most savings, but there may also be savings if you have multiple cars insured on your policy. You might see this listed as a multi-policy discount or multi-car policy discount.
  • Telematics discount: More car insurance companies are offering telematics programs that track driving habits. You’ll typically get a discount just for enrolling in the program and for participating for a specific amount of time. However, note that some insurance providers reserve the right to raise your rates if the program logs unsafe or risky driving habits.
  • Unique discounts: Some of the most common discounts are listed above, but insurers may provide unique discounts as well. For example, you might get a discount on your auto insurance if you own your home, are married or switch insurance companies.

Frequently asked questions

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.