Cheapest Car Insurance in Virginia (Best Rates in 2025)
Farm Bureau has the best cheap car insurance in Virginia, at $105 per month for full coverage. That's 25% cheaper than the state average.
Find Cheap Auto Insurance Quotes in Virginia
Best cheap car insurance in VA
Best and cheapest car insurance in Virginia
- Cheapest full coverage: Farm Bureau, $111/mo
- Cheapest minimum liability: Farm Bureau, $45/mo
- Cheapest for young drivers: Farm Bureau, $119/mo
- Cheapest after a ticket: Travelers, $115/mo
- Cheapest after an accident: Farm Bureau, $141/mo
- Cheapest for teens after a ticket: Travelers, $132/mo
- Cheapest after a DUI: Farm Bureau, $155/mo
- Cheapest for poor credit: Geico, $201/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau has the best mix of great customer service and cheap rates in Virginia. Erie also typically offers affordable quotes and great customer service.
USAA is the best choice for Virginia drivers with military ties. The company has some of the cheapest rates in the state, along with an excellent customer service reputation. However, it's only available to active-duty military, veterans and some of their family members.
Best cheap car insurance in Virginia: Farm Bureau and USAA
Farm Bureau and USAA have the cheapest full coverage car insurance in Virginia.
Find cheap auto insurance quotes in Virginia
- Farm Bureau is the cheapest company for most people in Virginia, at $111 per month for full coverage.
- USAA offers even cheaper rates, at $106 per month. However, only military members, veterans and some of their family members can get insurance from USAA.
- Virginia drivers should also compare quotes from Erie. The company has great customer service, and some people may find its rates to be cheaper than Farm Bureau.
Cheapest full coverage car insurance in Virginia
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $111 |
| Travelers | $115 |
| Erie | $128 |
| Geico | $130 |
| State Farm | $176 |
*USAA is only available to current and former military members and their families.
Data-powered research on Virginia car insurance
| Data-powered research on VA car insurance |
|---|
Cheapest liability car insurance in VA: Farm Bureau
Farm Bureau has the cheapest liability-only car insurance in Virginia.
A liability-only policy from Farm Bureau costs $45 per month. That's $37 per month less than the Virginia average of $82.
Cheap auto insurance quotes in Virginia
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | Farm Bureau | $45 |
| Travelers | Travelers | $49 |
| Erie | Erie | $56 |
| Geico | Geico | $58 |
| State Farm | State Farm | $85 |
*USAA is only available to current and former military members and their families.
Find cheap auto insurance quotes in Virginia
Best rates on Virginia car insurance for young drivers: Farm Bureau
Virginia Farm Bureau has the best cheap car insurance for most teen drivers.
A liability-only policy from Farm Bureau costs $119 per month for an 18-year-old driver. That's less than half the state average of $260 per month.
Farm Bureau also has the best full coverage rates at $240 per month, which is also less than half the Virginia average.
Best VA auto insurance for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $119 | $240 |
| Erie | $124 | $301 |
| Travelers | $132 | $316 |
| Geico | $149 | $314 |
| State Farm | $279 | $547 |
*USAA is only available to current and former military members and their families.
Young drivers in Virginia should consider full coverage car insurance, especially if they drive a lot or have a newer car.
Full coverage insurance costs nearly twice as much as liability-only coverage for an 18-year-old in Virginia. However, full coverage includes comprehensive and collision coverage. These coverages pay for damage to your car in many situations, no matter whose fault it is.
Since young drivers are more likely to cause an accident, comprehensive and collision coverage could be very useful.
Cheap auto insurance in VA after a speeding ticket: Travelers
Travelers has the cheapest car insurance for Virginia drivers with a recent speeding ticket.
A full coverage policy from Travelers costs around $115 per month after one speeding ticket. That's $95 less per month than the state average.
Best auto insurance in Virginia after a ticket
Company | Monthly rate |
|---|---|
| Travelers | $115 |
| Farm Bureau | $140 |
| Erie | $145 |
| Geico | $189 |
| State Farm | $189 |
*USAA is only available to current and former military members and their families.
Drivers in Virginia can expect car insurance quotes to go up by 24% after a speeding ticket. That's an average increase of $41 per month for a full coverage policy.
Cheap insurance in VA after an accident: Farm Bureau
Virginia Farm Bureau insurance is the cheapest option after an accident. A full coverage policy from Farm Bureau costs $141 per month after one at-fault accident. That’s half the state average of $283 per month.
Affordable car insurance in Virginia after an accident
Company | Monthly rate |
|---|---|
| Farm Bureau | $141 |
| Travelers | $163 |
| State Farm | $176 |
| Erie | $198 |
| Geico | $252 |
*USAA is only available to current and former military members and their families.
In Virginia, car insurance quotes go up by an average of 68% after an accident.
You don't need to worry about shopping for a new policy right after your accident. Your rates won't go up until your policy renews.
Your insurance company should send your new rates a few weeks before your policy expires. That will give you time to compare quotes from multiple companies before your rates go up.
Cheapest quotes in VA for teens with a bad driving record: Travelers and Farm Bureau
Travelers has the cheapest quotes for young Virginia drivers with a recent speeding ticket. A liability-only policy from Travelers costs $132 per month for an 18-year-old driver with one speeding ticket. That's less than half the state average of $298 per month.
Farm Bureau has the cheapest rates for teens with an accident on their record. At $136 per month, a liability-only policy from Farm Bureau is a little more than one-third of average cost after a crash.
Affordable car insurance in VA for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $132 | $197 |
| Erie | $151 | $180 |
| Farm Bureau | $155 | $136 |
| Geico | $196 | $268 |
| State Farm | $305 | $279 |
*USAA is only available to current and former military members and their families.
Young Virginia drivers with a speeding ticket pay about 15% more than teens with a clean record. Teen drivers in Virginia can expect car insurance quotes to increase by 40% after an at-fault accident.
Cheap Virginia car insurance rates after a DUI: Farm Bureau
Farm Bureau has the cheapest rates for drivers with a DUI in Virginia. A full coverage policy from Farm Bureau costs $155 per month. That's less than half the average price in Virginia for drivers with a DUI, which is $314 per month.
Best car insurance quotes in VA after a DUI
Company | Monthly rate |
|---|---|
| Farm Bureau | $155 |
| Travelers | $178 |
| Erie | $268 |
| Progressive | $306 |
| Geico | $336 |
*USAA is only available to current and former military members and their families.
After a DUI, car insurance in Virginia goes up by 86%, on average. That's an average increase of $146 per month for a full coverage policy.
You may also need to get SR-22 or FR-44 insurance in Virginia after a DUI. It typically costs between $15 and $50 for an insurance company to file an SR-22 or FR-44 form on your behalf. This cost is in addition to your rate increase.
Cheapest insurance in VA for drivers with poor credit: Geico and USAA
Geico offers the best rates for most Virginia drivers with poor credit scores. At $201 per month for full coverage, a policy from Geico costs $115 less per month than the Virginia state average.
USAA has even cheaper quotes, at $189 per month for full coverage. But policies from the company are only available to current and former military members and their families.
Cheap auto insurance in Virginia if you have poor credit
Company | Monthly rate |
|---|---|
| Geico | $201 |
| Travelers | $204 |
| Farm Bureau | $216 |
| Nationwide | $292 |
| Erie | $297 |
*USAA is only available to current and former military members and their families.
A poor credit score increases your car insurance rates even more than a DUI in Virginia. On average, Virginia drivers with poor credit pay 87% more for auto insurance than drivers with good credit.
Poor credit says nothing about your ability to drive. But insurance companies believe drivers with bad credit are more likely to file a claim than those with good credit. Insurance companies usually charge more to account for this risk.
Best car insurance in Virginia
USAA has the best auto insurance in Virginia.
It has an excellent rating from ValuePenguin editors, a high J.D. Power customer service score and some of the cheapest rates in the state. However, USAA only sells insurance to military members, veterans and their families.
Erie and Farm Bureau are the best companies for Virginia drivers who can't get USAA. Both companies have high customer service ratings and affordable quotes. State Farm also has great customer service, but it tends to be more expensive than Erie or Farm Bureau.
Top insurance companies in Virginia
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| Erie | 703 | A | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Nationwide | 645 | A |
Average car insurance cost in Virginia by city
Merrimac, part of the Blacksburg-Christiansburg metro area, has the cheapest rates in Virginia.
Drivers in Merrimac pay an average of $139 per month for full coverage insurance.
Lincolnia, a Washington, D.C. suburb, has the most expensive rates in the state, at $210 per month.
The cost of full coverage auto insurance in Virginia can vary widely from one city to the next. There's a difference of $71 per month between the most and least expensive cities.
Car insurance rates in VA
City | Monthly rate | % from average |
|---|---|---|
| Abingdon | $148 | -12% |
| Accomac | $165 | -2% |
| Achilles | $164 | -3% |
| Adwolf | $152 | -10% |
| Afton | $169 | 0% |
Virginia auto insurance requirements
Virginia drivers must have a policy with 50/100/25 in liability coverage.
Minimum car insurance requirement in VA
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
If you only have the required minimum coverage, you're putting yourself at risk. That's because you're responsible for paying any extra costs above your coverage limits.
For example, if you crash into a brand-new car and damage it beyond repair, the minimum requirement of $25,000 of property damage liability won't be enough to replace the other driver's vehicle.
Consider getting full coverage by raising your liability limits and adding collision and comprehensive insurance.
Frequently asked questions
Who has the cheapest car insurance in Virginia?
Farm Bureau has the cheapest car insurance quotes for most people in Virginia in 2026. A full coverage policy from Farm Bureau costs $111 per month, which is $58 per month less than the Virginia average. Farm Bureau also has the cheapest liability-only rates, at $45 per month.
What is the best car insurance in Virginia?
USAA is the best car insurance in Virginia, based on its high ratings from ValuePenguin editors, J.D. Power and AM Best. If you’re not eligible for USAA, Erie and Farm Bureau are also good options to consider when comparing car insurance quotes.
How much is car insurance in Virginia per month?
The average cost of car insurance in Virginia is $169 per month. That's $35 per month cheaper than the national average.
What is the new law in Virginia about car insurance?
As of January 1, 2025, Virginia drivers need to have insurance with at least $50,000 of bodily injury coverage per person, $100,000 per accident and $25,000 of property damage liability. This is sometimes written as 50/100/25 coverage.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Virginia for the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Full coverage rates are for a policy with comprehensive and collision coverage, as well as more liability than the state minimum.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were taken from insurance company filings and should be used for comparative purposes only. Your quotes may differ.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
