Cheapest Car Insurance, Virginia 2025: A Complete Guide
When it comes to finding the most affordable car insurance coverage in Virginia, you must understand the underlying cost drivers face and how to match your profile with the right provider.
This guide gives you a deep dive into everything you need to know about Virginia auto insurance, including how much it costs, which factors affect those rates, which companies tend to offer the best value, and how to get the lowest average premiums.
Save on Car Insurance In Virginia
Explore and compare rates from over 50 top insurance companies, including Progressive, Travelers, AAA, and Nationwide, to find the best car insurance deals.
Get Your Free Quote- No lengthy forms
- No spam or unwanted calls
- Quotes from trusted insurance providers
How Much Is a Car Insurance Policy in Virginia?
The average cost of car insurance in Virginia (including liability insurance, property damage liability, bodily injury liability, full coverage auto insurance, comprehensive coverage, etc.) is $2,146 to $2,308 annually.
However, it's important to note that the actual amount varies depending on individual factors and preferences. Therefore, always compare car insurance quotes with us to get the cheapest coverage.
Factors Affecting Auto Coverage Costs in Virginia
Many factors often determine how much you’ll pay for auto insurance coverage in Virginia. They include:
1. Coverage Level: Minimum liability insurance costs less than full coverage. So, if you add comprehensive and collision coverage, your auto insurance will cost more.
2. Driving History: Violations such as at‑fault incidents, speeding tickets, and DUIs raise the risk profile and thus premiums. On the other hand, people with a clean driving record pay lower car insurance rates in Virginia.
3. Age and Experience: Younger drivers pay more than middle‑aged and senior drivers. Auto insurance rates decrease as the driver becomes older and gets more experience. Then these rates may increase again for much older drivers (70+), due to age-related limitations, such as diminishing eyesight that affects driving.
4. Location: Multiple companies also check your area of residence to determine your auto insurance rate. If you live in an urban area with high crime rates and traffic congestion, companies may increase your car insurance rates. In addition, areas affected by the active storm season often have higher premiums.
5. Credit History: Virginia insurers can use a credit‑based insurance score by examining your credit history to determine auto insurance rates. People with poor credit often face higher car insurance costs.
6. Vehicle Type, Usage & Mileage: The make/model of your car, its safety features, theft risk, and repair costs all matter. Luxury vehicles that need imported parts, for example, attract higher car insurance costs. Also, how many miles you drive affects your rates, with high mileage leading to higher rates.
7. Minimum Liability Coverage Required: Virginia law has some requirements for auto insurance that all drivers must fulfill. Costs can vary depending on whether you choose higher limits.
Top Companies for Cheap Auto Insurance in Virginia
Many providers in the state offer low‑cost auto insurance coverage in Virginia. However, the following companies are the most affordable:
Travelers
Travelers offers cheap auto insurance to different drivers in the state. The company is the best option for senior drivers and those with poor credit. They provide multiple coverage options and an average annual rate of $945.
Virginia Farm Bureau
Virginia Farm Bureau consistently ranks as the cheapest in Virginia for various driver profiles. For example, the company offers the cheapest car insurance rates to teenagers in the state, with an average annual rate of $1,013.
USAA
USAA is available only to military members, veterans, and their family members. It offers some of the cheapest auto insurance in Virginia to those who qualify. For example, USAA is the cheapest option for drivers with a speeding ticket. Their average annual rate is $1,038.
GEICO
GEICO is a national brand with strong visibility and among the best rates for minimum coverage in Virginia. Their average annual rate is $1,268.
We can help you compare car insurance quotes from these top companies to get the best rates.
| Company | Average Rates in Virginia Per Year | |
|---|---|---|
| Travelers | $945 | |
| Virginia Farm Bureau | $1,013 | |
| USAA | $1,038 | |
| GEICO | $1,268 |
Source: Cheapest Car Insurance in Virginia for 2025 (US News)
Cheapest Virginia Car Insurance By City
Rates vary by location within Virginia due to differences in traffic, weather conditions, theft, accident frequency, and population density. If you live in a suburban or rural part of Virginia, you will pay less than someone in Northern Virginia (close to DC) or in heavy traffic zones.
In cities such as Alexandria, Ashburn, Midlothian, Richmond, and Virginia Beach, the median annual liability insurance rate for a clean 35‑year‑old driver with good credit ranges from $434/year (Ashburn) to $1,443/year (Virginia Beach), depending on the city and company.
When shopping for the most affordable car insurance in Virginia, always compare by ZIP code. The cheapest cities for auto insurance in the state are:
| City | Average Annual Minimum Coverage Premium |
|---|---|
| Bristol | $586 |
| New Castle | $588 |
| Buchanan | $591 |
| Paint Bank | $602 |
| Bentonville | $613 |
Source: Cheapest Car Insurance in Virginia for 2025 (Bankrate)
Cheap Car Insurance, Virginia, For High Risk Drivers
Good drivers often get the cheapest auto insurance rates. On the other hand, high‑risk drivers (those with an at-fault accident, DUI, or speeding ticket) will face higher premiums. According to US News, the state's auto insurance averages for these drivers are:
- With one speeding ticket: $2,270
- With one at-fault accident: $2,684
- With one DUI: $3,939
However, high-risk drivers can still get affordable car insurance from multiple companies as follows:
With A Speeding Ticket
If you have a speeding violation, you can find the most affordable auto insurance rates with USAA and Travelers. USAA offers a sample premium of $1,259, but it is only available to military members and their families. Those who do not qualify can find cheap auto insurance with Travelers at $1,304.
With An Accident
If you are the at-fault driver in a car accident, your premiums will increase. However, you can find affordable car insurance with Virginia Farm Bureau. They offer an average annual premium of $1,345.
With A DUI
A DUI leads to a bigger rate increase than the other factors related to driving history. Virginia Farm Bureau has the lowest average rate in this category at $1,278.
| Company | With 1 Speeding Violation | With 1 Accident | With 1 DUI |
|---|---|---|---|
| USAA | $1,259 | $1,534 | $1,940 |
| Travelers | $1,304 | $1,376 | $1,479 |
| Virginia Farm Bureau | $1,568 | $1,345 | $1,278 |
| GEICO | $1,699 | $1,963 | $2,526 |
Source: Cheapest Car Insurance in Virginia for 2025 (US News)
If you are in any of these categories, make sure you get auto insurance quotes from multiple companies to find the best rates.
Compare car insurance quotes now
Cheapest Auto Insurance, Virginia By Age
Age is one of the strongest influences on your car insurance cost. Here’s how it plays out in Virginia for different age groups, and what the cheapest rates look like.
Teen Drivers
Teen drivers around the age of 17 often face very high premiums. It is because they are more likely to engage in high-risk behavior and have little driving experience. Still, teenagers can find cheap coverage from Virginia Farm Bureau. The company offers the cheapest coverage at $2,423 and $2,803 per year for female and male drivers, respectively. See table: Cheap Car Insurance for Teens and Young Adults in Virginia.
Young Adults
At around age 25, the premiums drop because these drivers have more driving experience. Many companies offer good rates to these drivers. However, the cheapest car insurance sample rates come from Travelers at $1,047 annually for females and $1,098 for males.
Cheap Car Insurance for Teens and Young Adults in Virginia
| Company | Female Teens | Male Teens | Female Young Adults | Male Young Adults |
|---|---|---|---|---|
| Virginia Farm Bureau | $2,423 | $2,803 | $1,050 | $1,176 |
| Travelers | $3,192 | $3,882 | $1,047 | $1,098 |
| Geico | $3,152 | $3,167 | $1,376 | $1,307 |
| Auto-Owners | $3,708 | $4,917 | $2,049 | $2,054 |
Source: Cheapest Car Insurance in Virginia for 2025 (US News)
Adults
Age 40 is often the sweet spot for the cheapest premiums. You’ve got experience, and potentially lower risk. Also, you can qualify for discounts.
The cheapest company for male drivers is USAA at $921 per year, and the most affordable for female drivers is Travelers at $906 per year. Male drivers who don't qualify for USAA can get the cheapest rates with Virginia Farm Bureau at $925 per year. See table: Cheap Car Insurance for Adult and Senior Drivers in Virginia.
Senior Drivers
The prices are lower for seniors in their 60s. Insurers offer discounts to drivers in this category for factors such as low mileage and safe driving. The cheapest company is Travelers at $812 and $858 per year, for female and male drivers, respectively.
Cheap Car Insurance for Adult and Senior Drivers in Virginia.
| Company | Female Adults | Male Adults | Female Seniors | Male Seniors |
|---|---|---|---|---|
| Travelers | $906 | $949 | $812 | $858 |
| USAA | $921 | $921 | $860 | $860 |
| Virginia Farm Bureau | $985 | $925 | $1,001 | $938 |
| Geico | $1,246 | $1,299 | $1,149 | $1,231 |
Source: Cheapest Car Insurance in Virginia for 2025 (US News)
Cheap Auto Insurance, Virginia, By Credit History
Your credit history can also affect your auto insurance costs in Virginia. Poor credit often means higher car insurance premiums, while good credit means lower rates. The cheapest company for people with poor credit is Travelers at $1,673 per year. Those with good credit can also find the most affordable rates with Travelers at $945 per year.
| Company | Bad Credit | Good Credit |
|---|---|---|
| Travelers | $1,673 | $945 |
| Virginia Farm Bureau | $1,919 | $1,013 |
| USAA | $1,922 | $1,038 |
| Geico | $1,954 | $1,268 |
Source: Cheapest Car Insurance in Virginia for 2025 (US News)
Tips for Getting Cheap Car Insurance in Virginia
Here’s a practical list to reduce your auto insurance costs in Virginia:
- Shop around and Compare Quotes from multiple insurers. Rates can vary by company, even for an identical driver profile.
- Choose Appropriate Coverage. For example, if your car is older and low-value, you might drop comprehensive/collision and stick with liability‑only.
- Raise your Deductible for comprehensive/collision. A higher deductible means lower premiums.
- Maintain a Clean Driving Record. Any at‑fault accident, speeding ticket, or DUI will raise your rate.
- Improve your Credit History if your insurer uses a credit‑based insurance score.
- Utilise Discounts such as bundling auto & home, safe driver, defensive driving courses, telematics/usage‑based programs, and good student discounts.
- Review your Location. Some drivers have reported savings after moving. So, if you move, update your insurer.
How Much Car Insurance Do I Need in Virginia?
The Virginia Department of Motor Vehicles requires all drivers to have at least minimum coverage as follows:
- Bodily injury liability: $50,000 per person or $100,000 per accident. It covers the other driver and their passengers’ medical bills from an accident you cause.
- Property damage liability: $25,000 per accident. This coverage pays for the other driver’s property damages from an accident you cause.
- Uninsured/underinsured motorist: These coverages match the minimum liability insurance requirements of 50/100/25 coverage. They cover your bodily injury or property damage expenses from an accident with someone who has little to no insurance. Uninsured motorist also covers you in hit-and-run accidents.
Additional Coverage in Virginia
Some Virginia drivers get optional coverage for more financial protection. Some of the coverages to consider include:
1. Guaranteed Asset Protection/Gap Insurance
This coverage helps you when your vehicle is stolen or deemed a total loss. It pays to cover the difference between the actual cash value of your car and the amount you owe on it.
2. MedPay
Medical payment coverage helps pay for you and your passengers' medical expenses after an accident, regardless of fault.
3. Comprehensive
This insurance helps cover expenses for your car resulting from causes other than collision, such as theft, fire, vandalism, severe weather, and animal incidents.
Save on Car Insurance In Virginia
Explore and compare rates from over 50 top insurance companies, including Progressive, Travelers, AAA, and Nationwide, to find the best car insurance deals.
Get Your Free Quote- No lengthy forms
- No spam or unwanted calls
- Quotes from trusted insurance providers
Frequently Asked Questions
How Can I Get SR‑22 Insurance in Virginia?
In Virginia, if the DMV or court requires you to carry an SR‑22, you will need to purchase auto insurance that includes the required filing. Contact an insurer that offers SR‑22. The insurance company will file the form with the state once your policy is active. Compare quotes from different companies to find the best rate.
Note that an SR-22 is not an insurance policy but a Certificate of Financial Responsibility that certifies to the state that you have an active auto insurance policy meeting minimum liability coverage requirements.
What Is the Best Car Insurance Company in Virginia?
The best provider often depends on your profile. For example, Travelers is the cheapest option for young adults and those with poor credit. We compare car insurance quotes from multiple providers to help you get the lowest average rates.
How Do I Show Proof of Car Insurance in Virginia?
Once you purchase a policy that meets state requirements (and the required uninsured/underinsured motorist coverage), the insurer will provide you with an insurance identification card or certificate. You must carry proof in your vehicle or be able to present it digitally. Driving without insurance is no longer allowed in Virginia.
How Much Does Car Insurance in Virginia Cost?
The average cost of car insurance in Virginia is $2,146 to $2,308 annually. However, note that the cost varies depending on the insurance company. Factors such as age, location, driving history, and credit score can also affect your rates.
How Do I Get the Cheapest Car Insurance in Virginia?
Select the right amount of coverage, maintain or improve your credit history, keep a clean driving record, and take advantage of discounts. Also, compare multiple insurers such as Virginia Farm Bureau, Travelers, GEICO, USAA, and State Farm.
