Virginia's Cheapest Auto Insurance: How To Get Covered

Car insurance is a necessity for drivers, but finding an affordable plan can be challenging. Virginia's average car insurance rates are lower than the national average, making it a relatively cheap state for car insurance. The cheapest car insurance companies in Virginia include Erie, State Farm, Geico, and USAA, although the availability of USAA is restricted to military members, veterans, and their families. The cost of car insurance in Virginia depends on factors such as age, location, driving record, and the insurance company.

Virginia's car insurance requirements are unique, as the state allows drivers to drive uninsured by paying a $500 fee. However, this option does not provide insurance coverage, and drivers remain financially responsible for any accidents. To comply with the law and obtain adequate protection, it is advisable to purchase car insurance.

The cost of car insurance in Virginia varies based on the type of coverage. The average cost of minimum coverage is $648 per year, while full coverage costs an average of $1,605 per year. Minimum coverage includes liability insurance, while full coverage adds collision and comprehensive insurance.

When shopping for car insurance in Virginia, it is essential to compare quotes from multiple companies. By considering different insurers and their discounts, drivers can find the most affordable and suitable coverage for their needs.

Cheapest car insurance for young drivers

Young drivers are considered to be high-risk drivers by insurance companies due to their lack of driving experience, and consequently, they pay more for car insurance than experienced drivers. However, some insurance companies offer better rates for young drivers.

Virginia Farm Bureau

Virginia Farm Bureau offers the cheapest full-coverage insurance in Virginia, with an average rate of $780 per year, according to NerdWallet's September 2024 analysis. It also has the cheapest rates for minimum coverage in Virginia, at $309 per year, for a 35-year-old driver with a clean driving record.

Erie

Erie has the best cheap car insurance in Virginia, at $91 per month for full coverage. It also has the best full-coverage and minimum-coverage car insurance quotes for Virginia drivers, at $38 per month, on average.

State Farm

State Farm has the cheapest car insurance for Virginia drivers with a recent speeding ticket or an at-fault accident on their record. A full-coverage policy costs $110 per month.

Geico

Geico offers the best rates for Virginia drivers with poor credit scores. At $172 per month for full coverage, a policy from Geico costs $72 less per month than the Virginia state average.

USAA

USAA is only available to current and former military members and their families. It has excellent ratings from ValuePenguin editors and a high J.D. Power customer service score.

Auto-Owners

Auto-Owners is the cheapest provider for drivers with a speeding ticket and an at-fault accident.

Travelers

Travelers is the cheapest car insurance company for sports car drivers, with an average annual premium of $824.

Cheapest car insurance for drivers with a DUI

The cheapest car insurance for drivers with a DUI in Virginia is offered by State Farm, with an average rate of $102 per month. However, the cheapest car insurance company in Virginia overall is Virginia Farm Bureau, with an average rate of $780 per year.

Cheapest car insurance for full coverage

Full coverage car insurance in Virginia includes collision and comprehensive coverage, as well as liability insurance. It helps pay for repairs if you cause an accident that damages your car, and also covers events beyond your control, such as hail or vandalism.

The cheapest full coverage car insurance in Virginia is offered by Erie, at $91 per month, according to ValuePenguin. However, according to NerdWallet, Virginia Farm Bureau offers the cheapest full coverage in Virginia, with an average rate of $780 per year.

Full coverage in Virginia costs an average of $1,605 per year, or $134 per month.

Cheapest full coverage by age

According to MoneyGeek, the cheapest full coverage car insurance in Virginia for teens is offered by Nationwide, at $1,268 per year for male teens and $1,135 per year for female teens. For young adults, Virginia Farm Bureau is the most affordable at $811 per year, while for seniors, Virginia Farm Bureau is again the cheapest option at $805 per year.

Cheapest full coverage for drivers with a DUI

According to WalletHub, the cheapest full coverage car insurance in Virginia for drivers with a DUI is offered by State Farm, at $38 per month. According to Bankrate, State Farm is also the cheapest option for drivers with a DUI, at $146 per month.

Cheapest full coverage for military drivers

According to MoneyGeek, the cheapest full coverage car insurance in Virginia for military drivers is offered by Virginia Farm Bureau, at $743 per year. USAA is another option, with policies costing an average of $781 per year.

Cheapest car insurance for minimum coverage

The cost of car insurance in Virginia varies depending on factors such as age, location, driving record, and the insurance company. The average cost of minimum coverage in Virginia is $648 per year, or $54 per month. However, the cheapest insurance company for minimum coverage in Virginia is Mercury, with an average rate of $675 per year.

Other cheap insurance companies for minimum coverage in Virginia include:

• Erie and Virginia Farm Bureau, with an average rate of $38 per month
• Virginia Farm Bureau, with an average rate of $310 per year
• American Family, with an average rate of $343 per year
• Geico, with an average rate of $31 per month for good drivers
• State Farm, with an average rate of $34 per month for good drivers

Cheapest car insurance for drivers with a ticket

The cost of car insurance in Virginia varies depending on several factors, including age, driving record, and location. The average cost of car insurance in Virginia is $1,067 per year, which is 30% less than the national average.

Drivers with a ticket on their record will likely see an increase in their insurance rates. The severity of the violation, as well as the insurance company's pricing standards, will determine the extent of the increase.

The following are some of the cheapest car insurance companies in Virginia for drivers with a ticket:

• State Farm: State Farm offers the cheapest rates for drivers with a DUI conviction, costing about $146 per month.
• Erie: Erie is the cheapest insurance company in Virginia for teen drivers and drivers with previous traffic violations or accidents.
• Travelers: Travelers is the cheapest car insurance company in Virginia for drivers with a speeding ticket, an at-fault accident, or a DUI.
• USAA: USAA is the cheapest major car insurance company in Virginia, but it is only available to active and retired military personnel and their families.

Frequently asked questions