Best Over 50 Car Insurance - To determine the best cheap auto insurance in VA, our editorial team compared the quotes from some of the nation's largest auto insurance companies in each zip code. The minimum coverage quote meets the state of Virginia minimum requirements of $30,000 in personal injury liability coverage per person and $60,000 per accident, plus $20,000 in property damage coverage. A quote for a full coverage policy includes collision and comprehensive coverage, as well as liability limits above the state minimums.
We also rate the best insurance companies in VA based on affordability for different drivers, customer satisfaction, affordability and availability of coverage.
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State Farm has the best minimum auto insurance quotes for Virginia drivers. The average price of $30 a month to insure your car with State Farm is $20 a month less than the national average.
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The average cost of auto insurance in Virginia is $50 a month, or $603 a year, for a minimum liability policy.
Minimal liability insurance has the lowest amount of coverage you can buy, which also makes it the cheapest auto insurance. Cheap quotes can make this seem like the best option; However, in Virginia, it includes only a limited amount of coverage for injuries to other drivers and damage to their property.
The minimum cover does not cover damage to your vehicle. This means that you may end up paying more in the long run if you are involved in an accident.
We recommend full coverage auto insurance for most Virginia drivers, to ensure you have enough protection in the event of a serious accident.
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State Farm has the best full coverage auto insurance quotes in Virginia. At $72 a month, State Farm's policies are 39% cheaper than the national average of $118 a month.
Full coverage auto insurance includes collision and comprehensive coverage along with liability insurance. If your car is damaged in an accident that's either your fault or something beyond your control (like hail or vandalism), a full coverage policy will help pay for the repairs.
State Farm has the lowest odds on record for drivers with a speeding ticket, DUI or auto accident.
The average cost of auto insurance in Virginia is usually higher for drivers with poor credit scores or incidents on their driving record, such as speeding tickets, accidents, or DUIs. Insurance companies see these accidents as a sign that you are a high-risk driver, which results in higher rates.
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State Farm has the cheapest car insurance for Virginia drivers with a recent speeding ticket. A State Farm full coverage policy costs $77 a month, which is $63 less a month than the national average.
Drivers in Virginia can expect auto insurance quotes to rise 18% after a speeding ticket. However, not all companies are raising rates by the same amount. Virginia drivers insured by Geico and Travelers may not see price increases after a single ticket. The most expensive insurer, Allstate, raised its rates by 29%.
That's why it's important to shop around for the cheapest quotes, especially after a fine or accident.
State Farm has the cheapest auto insurance for Virginia drivers with a to blame accident on the record. It costs $84 a month for a full coverage policy, 54% less than the national average of $181 a month.
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State Farm has the lowest rates for drivers with DUI in Virginia. A State Farm full coverage policy costs $77 a month. This is 60% cheaper than the average price for a driver with a DUI.
After a DUI citation, the average citation for a Virginia driver increases by 63%. You may need to purchase SR-22 or FR-44 insurance, which could further increase your rates.
Geico offers the best rates for Virginia drivers with low credit scores. At $114 a month for comprehensive coverage, a policy from Geico is $71 cheaper a month than the Virginia state average.
Drivers with bad credit are more likely to file a claim than those with good credit, and insurance companies typically charge more to account for this risk. Poor credit does not speak to your ability to drive. On average, citations for Virginia drivers with poor credit are 56% higher than citations for drivers with good credit.
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Erie's Minimum Coverage policy costs $79 a month for an 18-year-old driver, which is 48% lower than the national average. Erie also has the best comprehensive coverage rate, at $186 a month, 49% below average.
The average cost of minimum coverage auto insurance for an 18-year-old in Virginia is $153 a month. At $366 per month, the full coverage policy costs $213 more per month than the minimum coverage. Auto insurance for an 18-year-old driver costs three times as much as coverage for a 30-year-old in Virginia.
While it's a big increase, teen drivers should consider getting a full coverage policy if they can afford it.
Young drivers are more likely to cause accidents, so they benefit most from the comprehensive and collision coverage included in a comprehensive coverage policy, which helps pay for damage to your car.
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Erie has the best young driver ratings in Virginia with new speeding tickets. Erie's Minimum Coverage policy costs $97 a month, which is $73 a month cheaper than the national average.
A young driver from Virginia caught speeding will pay about 11% more than a teenager with a clean record.
Erie has the most affordable quotes for Virginia's young drivers with registered accidents. Erie charges 18-year-old drivers who cause accidents $109 a month for minimum coverage, 46% less than the state average.
Teen drivers in Virginia can expect their auto insurance quotes to rise 31% after a fault-tolerant accident.
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Erie offers married drivers the best rates for full coverage insurance, at $70 a month, 34% less than the Virginia state average.
In Virginia, full coverage quotes are 10% lower for married drivers than for single drivers. This is because, statistically, married drivers cause fewer accidents than unmarried drivers.
Married drivers can save even more by adding more drivers and more cars to the same auto insurance policy -- savings that don't appear in the quotes.
Erie is the best auto insurance in Virginia, with excellent ratings from editors and high JD Power customer service scores.
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Virginia drivers should also consider State Farm and USAA—both companies earned 4.5 out of 5 stars from our editors. However, USAA is only available to military members, veterans, and their families, so it's not the best choice.
Choosing a reputable insurance company is essential to finding the lowest rates. Good customer service will come in handy if you're involved in an accident – it could mean a shorter claims process and lower out-of-pocket costs.
Drivers in Blacksburg and its suburb, Merrimac, pay the lowest rates in Virginia, at $99 a month for comprehensive coverage.
Lincolnia, a suburb of Washington, DC, has the most expensive rate in the country, at $137 a month.
Car Insurance Quotes
The cost of full coverage auto insurance in Virginia does not change from city to city. There is a difference of $38 a month between the most expensive and least expensive cities.
However, you can pay a $500 fee to the Department of Motor Vehicles (DMV), known as the uninsured motor vehicle fee. Paying this tax allows you to legally drive on Virginia roads for 12 months without insurance. However, it does not provide protection in the event of an accident. This means that you have to pay all the costs yourself if you cause an accident.
State Farm has the lowest auto insurance quotes for most people in Virginia. A State Farm minimum coverage policy costs $30 a month, and full coverage costs $72 a month.
Erie is our pick for the best auto insurance in Virginia based on high ratings from our Editors, JD Power and AM Best. State Farm and USAA are also good options to consider when comparing auto insurance quotes.
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The average cost of auto insurance in Virginia is $50 a month, or $603 a year, for minimal coverage. Comprehensive coverage costs an average of $118 a month or $1,417 a year.
Virginia does not require auto insurance. However, drivers who choose not to get insurance must pay the DMV $500 annually to register their car and will be financially responsible for any damages caused by the accident.
The cost of minimum coverage auto insurance in Virginia is average – it ranks as the 26th cheapest state, but is the 10th cheapest state for full coverage insurance.
Drivers in Richmond pay an average of $128 a month for full coverage auto insurance, which is 8 percent more expensive than the national average.
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We've collected thousands of rates from zip codes across Virginia for the largest insurance companies in the country. Unless otherwise noted, quotes are based on a 30-year-old with good credit driving a 2015 Honda Civic EX.
The analysis uses insurance rate data from Quadrant Information Services. These rates are generally derived from insurance statements and should be used for comparison purposes only - your quotes may differ.
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