Best Car Insurance in Virginia for 2025

The average monthly cost of car insurance in Virginia is $200, compared to the national average of $193. The low insurance costs, plus the beautiful scenery of the Appalachian mountains, Chesapeake Bay, and coastline, make exploring the Old Dominion state by car worth your time.

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Key takeaways

The best car insurance in Virginia is USAA, which costs an average of $130 per month for full coverage.
In Virginia, drivers with a clean driving record pay a monthly average of $200.
High-risk drivers with a DUI on their record will pay an average of $321 monthly.

Best car insurance companies in Virginia

Drivers in Virginia will likely find the best pricing with USAA, but only some qualify for their coverage. Regional carrier Erie Insurance offers reasonable prices and has earned high customer satisfaction.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
USAA	877/1,000	$130	$74
Erie	863/1,000	$148	$85
State Farm	843/1,000	$97	$55
Nationwide	820/1,000	$168	$97
GEICO	818/1,000	$163	$115
Progressive	814/1,000	$153	$82

USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction score in Virginia and is also the most affordable insurance provider. Although it gets high marks in all categories, its policies are only available to current and former military members and their families. USAA offers most standard coverage options and a few specialty policies if you qualify.

Pros

USAA has the lowest insurance rates in Virginia
It has some specialty programs, like SafePilot, that can help you save up to 30%

Cons

USAA policies are not available to the general public
Some competitors have more coverage and discount options

Read our USAA review

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Erie: Most affordable coverage

The only regional carrier on our list, Erie Insurance, is the most affordable coverage after USAA and is available to all drivers in Virginia. Erie also earned high marks in customer satisfaction and has multiple coverage options and specialty coverages available. Its coverages include pet insurance after an accident, up to $500 per pet, and personal item replacement.

Pros

Erie has the lowest rates available to everyone in Virginia
It has multiple coverage options, including glass repair and personal item coverage

Cons

Erie doesn't have as many discounts as some competitors
You may find cheaper minimum insurance coverage with a competitor.

Read our Erie review

State Farm: Best for new drivers

Young drivers in Virginia pay an average of $430 per month for car insurance. Although State Farm was more expensive than some competitors on our list of best car insurance in Virginia, it has a high customer satisfaction rating. It also offers policies and discounts specifically for new drivers.

Pros

State Farm has standard and specialty policies, including rental and rideshare options
Multiple State Farm offices throughout Virginia

Cons

Doesn't have some specialty coverages like gap insurance
State Farm's minimum coverage is one of the most expensive in Virginia

Read our State Farm review

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Nationwide: Best for multi-driver discounts

Nationwide offers multiple policy options, including rental car and gap insurance, and some great loyalty perks like key fob replacement and fender bender forgiveness.

Pros

Nationwide has popular coverage options, including accident forgiveness and vanishing deductibles
Offers perks to drivers, including pet insurance and key fob replacement

Cons

Nationwide had the highest full and minimum costs in Virginia
It had one of the lowest customer satisfaction ratings in the state

Read our Nationwide review

Progressive: Best for the lowest deductibles

Although high-risk drivers in Virginia won't pay as much as in some parts of the country, they are likely to pay an average of $232 for full coverage. Progressive may help you save money if you have a DUI conviction, speeding tickets, or other high-risk convictions and can help you file SR22 forms with the required state office.

Pros

Progressive had one of Virginia's lowest minimum coverage insurance rates
It offers multiple specialty policies, including its disappearing deductible program

Cons

Progressive's full coverage in Virginia is more expensive than several competitors
It has the lowest customer satisfaction rating in Virginia

Read our Progressive review

Virginia auto insurance requirements

Like most states, drivers in Virginia are required to meet certain minimum coverages, which are:

$30,000 in bodily liability for the injury or death of one person
$60,000 in bodily liability for the injury or death of two or more people
$20,000 in property damage liability

Unlike other states, Virginia drivers can forego insurance coverage and pay a yearly $500 Uninsured Motor Vehicle (UMV) fee. This fee does not provide insurance coverage, and you assume all financial responsibility and risk if you are in an accident.

The average cost of minimum car insurance in Virginia is $445 a year, so it generally makes financial sense to carry insurance instead of paying the UMV fee.

How to choose a car insurance provider in Virginia

Finding the right insurance coverage depends on finding the right insurance provider. When looking for a new carrier, consider the following:

Check financial stability: Before signing up with any insurance company, check its overall financial stability on a website like Standard & Poor's or AM Best. It's also wise to check with the Virginia State Corporation Commission to confirm a company is licensed.
Ask for reviews: Ask friends and family for recommendations and read online reviews to get a feel for how a company handles claims. Check with the Better Business Bureau and Trustpilot to see what existing customers say.
Check pricing and discounts: Get quotes from at least three companies to compare pricing and discount structures. Ensure the policy amounts and coverage options are similar for the best comparison.

How much does car insurance cost in Virginia?

The average cost of car insurance in Virginia is $200 per month for full coverage and $117 per month for minimum coverage. However, where you live can significantly impact your cost.

Drivers in Norfolk pay an average of $240 per month for full coverage, while those in Chesapeake pay only $211 per month.

Virginia car insurance rates by city

Car insurance costs can go up dramatically based on the crime rate of the city you live in. Drivers in Norfolk, which ranks 11th in highest crime per capita in Virginia according to Data Commons, pay more for car insurance than people in Chesapeake, which ranks 34th, even though the two cities are only about six miles apart.

City	Avg. monthly full-coverage premium
Norfolk	$240
Richmond	$235
Alexandria	$223
Arlington	$201
Virginia Beach	$198
Chesapeake	$211

FAQs about car insurance costs in Virginia

What are the minimum car insurance coverage requirements in Virginia?

Virginia's minimum car insurance coverage requirements are $30,000 in bodily liability for the injury or death of one person and $60,000 in bodily liability for the injury or death of two or more people. Drivers are also required to carry $20,000 in property damage liability.

Instead of carrying car insurance, Virginia drivers can pay a yearly $500 UMV fee to the Virginia DMV. They must assume all financial risk and responsibility if in an accident.

How much does car insurance cost in Virginia?

Car insurance in Virginia costs a monthly average of $200 for full coverage and $117 for minimum car insurance.

Which car insurance companies cover Virginia?

Many car insurance companies, including national carriers like Progressive, GEICO, State Farm, and USAA, cover Virginia. Regional provider Erie Insurance is also available in Virginia.

What is the cheapest car insurance company in Virginia?

USAA is one of the cheapest car insurance companies in Virginia, costing a monthly average of $130, but it is not available to people outside the military. State Farm also has affordable insurance available to everyone, costing an average of $97 monthly.

Data throughout provided by Insurify.

Save On Your Auto Insurance

You could save up to $600 with some companies.
Compare dozens of providers in under 5 minutes.
Fast, free, and easy way to shop for insurance.
Quickly find the perfect rate for you.

Average rate:

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Author Details

Kate Daugherty

Kate Daugherty is a writer for FinanceBuzz with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.