The Best Cheap Auto Insurance - To determine the cheapest car insurance in VA, our editorial team compares quotes from some of the largest car insurance companies in the state in each ZIP code. Minimum premium rates meet Virginia's requirements of $30,000 per person and $60,000 per accident, and $20,000 for catastrophic coverage. The terms of all coverage policies include collision and comprehensive coverage, with liability limits higher than the state minimum.
Additionally, we ranked the best insurance companies in VA based on driver sales, customer satisfaction, availability and availability of coverage.
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State Farm has the best auto insurance rates for Virginia drivers. It costs $30 a month, on average, to insure your car with State Farm, which is $20 a month less than the state average.
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The average cost of car insurance in Virginia is $50 per month, or $603 per year, for a low credit policy.
Limited liability insurance is the lowest coverage you can buy, as it is the cheapest auto insurance. Low cost information can seem like the best thing; However, in Virginia, compensation for injuries to another driver and damage to their property is limited.
There is no charge for minimum coverage for your vehicle. This means that it may cost you more in the long run if you take the risk.
We recommend auto insurance for most Virginia drivers, so you have adequate coverage in the event of a serious accident.
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State Farm has the best auto insurance information in Virginia. At $72 per month, the policy from State Farm is 39% cheaper than the state average of $118 per month.
Comprehensive car insurance includes collision and comprehensive coverage as well as liability insurance. If your car is damaged in an accident that is your fault or an event beyond your control (such as hail or theft), a comprehensive coverage policy can help pay for repairs.
State Farm has the lowest rates for drivers with a speeding ticket, DUI or car accident on their record.
The average cost of car insurance in Virginia is higher for drivers with bad credit or accidents on their driving record, such as a speeding ticket, accident or DUI. Insurance companies take these accidents as a sign that you are a dangerous driver, and your rates will go up.
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State Farm has the cheapest car insurance for Virginia drivers with a speeding ticket. All policies from State Farm cost $77 per month, which is $63 less per month than the state average.
Virginia drivers can expect their insurance premiums to increase by up to 18% after a speeding ticket. However, not all companies increase prices at the same rate. Virginia drivers insured by Geico and mobile did not see a premium increase after a single speeding ticket. The most expensive insurance company, Allstate, is raising rates by 29%.
That's why it's important to shop around to get the lowest prices, especially after a ticket or accident.
State Farm has the cheapest auto insurance for Virginia drivers with an at-fault accident on their record. The monthly premium for a full coverage policy is $84 - 54% less than the state average of $181 per month.
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State Farm has the lowest rates for drivers with a DUI in Virginia. A premium coverage policy from State Farm costs $77 per month. It costs 60% more than the average for drivers with a DUI.
After a DUI citation, Virginia drivers' convictions increase 63%. You may be required to purchase SR-22 or FR-44 insurance, which will increase your rates.
Geico offers the best rates for Virginia drivers with bad credit. At $114 per month for comprehensive coverage, a policy from Geico costs $71 per month on average in the state of Virginia.
Drivers with bad credit are more likely to make claims than those with good credit, and insurance companies pay more to cover this risk. It doesn't say anything about your ability to drive. On average, rates for Virginia drivers with bad credit are 56% higher than rates for drivers with good credit.
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A minimum coverage policy from Erie costs $79 per month for an 18-year-old driver, which is 48% less than the state average. Erie also has the best price for comprehensive coverage, at $186 per month - 49% below average.
The average cost of minimum car insurance for an 18-year-old in Virginia is $153 per month. At $366 per month, a full coverage policy costs $213 per month with minimum coverage. Car insurance premiums for an 18-year-old driver cost three times more than a 30-year-old in Virginia.
While that may be a significant increase, young drivers should consider getting a comprehensive coverage policy if they can afford it.
Young drivers are more likely to have accidents, so they are more likely to benefit from the comprehensive and collision coverage included in a comprehensive policy, which helps pay for damages to your vehicle.
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Erie has good news for young Virginia drivers and speeding tickets. A minimum coverage policy from Erie costs $97 per month, which is $73 per month less than the state rate.
Virginia youth drivers charged with speeding pay 11% more than a youth driver with a clean record.
Erie has valuable information for young Virginia drivers with accidents on their records. Erie pays 18-year-old drivers who have been involved in an accident $109 per month for the lowest amount — 46% less than the state average.
Young drivers in Virginia can expect their car insurance premiums to increase by 31% after an at-fault accident.
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Erie offers married drivers the best comprehensive insurance rate, at $70 per month - 34% less than the Virginia state average.
In Virginia, married drivers have 10% fewer citations than single drivers. This is because, statistically, married drivers have fewer accidents than single drivers.
Married drivers can save even more by adding multiple drivers and multiple vehicles to the same auto insurance policy - savings that can be found in these details.
Erie is the best auto insurance in Virginia, with the best rating from our editors and JD customer service score. Mana.
The Best Cheap Car Insurance In Virginia In 2022
Virginia drivers should also consider State Farm and USAA - both companies received 4.5 out of 5 stars from our editors. However, USAA is only available to members of the military, veterans and their families, so it's not our choice.
Choosing a reliable insurance company is important to finding the lowest rate. Good customer service pays off in the event of an accident - a shorter claims process and lower out-of-pocket costs.
Drivers in Blacksburg and its suburbs, Merrimac, pay the lowest rates in Virginia, at $99 per month for full coverage.
Lincolnia, a suburb of Washington, D.C., is the most expensive in the state, at $137 per month.
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The cost of comprehensive auto insurance in Virginia does not vary from one city to another. There is a difference of $38 per month between the most expensive and the least expensive cities.
Instead, you can pay a $500 fee to the Department of Motor Vehicles (DMV), called a Non-Vehicle Fee. By paying this fee you can legally drive on Virginia roads for 12 months without insurance. However, there is no protection if you are vulnerable. This means you will have to pay the costs out of pocket if you crash.
State Farm has the best auto insurance rates for most people in Virginia. A minimum coverage policy from State Farm costs $30 per month, and full coverage costs $72 per month.
Erie is our pick for the best auto insurance in Virginia based on the highest rates from our editor, J.D. Power and AM Best. State Farm and USAA are also good options when it comes to comparing car insurance rates.
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The average cost of car insurance in Virginia is $50 per month, or $603 per year, for the minimum. Full coverage costs $118 per month, or $1,417 per year, on average.
Virginia does not require car insurance. However, drivers who choose not to get insurance must pay the DMV $500 a year to register the vehicle, and they are responsible for any damages they may incur in an accident.
The cost of the cheapest car insurance in Virginia is close to average - it ranks 26th lowest in the state. However, it is the 10th lowest country for full coverage insurance.
Richmond drivers pay an average of $128 per month for comprehensive auto insurance, which is 8% more expensive than the state average.
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We've collected thousands of ZIP codes across Virginia from the largest insurance companies in the state. Unless otherwise noted, quotes are based on a 30-year-old with a good number to drive the 2015 Honda Civic EX.
Analysis of insurance rate data was performed at Quadrant Information Services. These quotes are taken from insurance brochures and are used for comparison purposes only - your information may vary.
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