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Among Virginia's most affordable car insurance providers are Auto-Owners, State Farm, and Progressive.
Full-coverage car insurance in Virginia averages $192 per month, compared to the national average of $186. What you'll pay depends on multiple factors, including your age, driving history, and where you live. Getting quotes from several insurance companies is the most reliable way to find your best rate.
We've outlined Virginia's cheapest car insurance options below, organized by coverage type, driver profile, and provider.
Affordable full-coverage car insurance in Virginia
Full-coverage insurance in Virginia runs $192 per month on average. That compares to $186 nationally. Among the state's cheapest car insurance providers, Auto-Owners, State Farm, and Progressive stand out.
| Average monthly full coverage cost | |
| Virginia average | $192 |
| National average | $186 |
| Auto-Owners | $110 |
| State Farm | $112 |
| Progressive | $140 |
| USAA | $152 |
Affordable liability-only car insurance in Virginia
For drivers seeking most affordable liability car insurance providers in Virginia, Auto-Owners, State Farm, and Mercury are strong contenders.
Liability-only coverage in Virginia costs an average of $116 monthly. The national average sits at $104.
| Average monthly liability-only cost | |
| Virginia average | $116 |
| National average | $104 |
| Auto-Owners | $67 |
| State Farm | $69 |
| Mercury | $89 |
| USAA | $93 |
Cheap car insurance in Virginia by age
Age significantly impacts insurance costs. Car insurance for teens carries the steepest rates, averaging $399 monthly in Virginia because of their limited driving experience.
Premiums drop as drivers enter their 20s, averaging $262 per month. Rates keep falling through the 30s and 40s, with monthly costs around $207 and $192, respectively.
Rates can climb again for those in their 60s and older. Virginia seniors pay $165 monthly on average in their 60s, rising to $172 in their 70s.
These age-related premium shifts reflect varying risk levels tied to each age group. Younger drivers face higher risk assessments, while older drivers may see increased rates because of factors such as health conditions and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $399 | $240 |
| 20s | $262 | $158 |
| 30s | $207 | $124 |
| 40s | $192 | $116 |
| 50s | $176 | $106 |
| 60s | $165 | $100 |
| 70s | $172 | $103 |
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Cheap car insurance in Virginia for high-risk drivers
Drivers with moving violations or accidents on their record typically face elevated insurance premiums. Below are Virginia's average costs for drivers with an accident, speeding ticket, or DUI, based on car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $239 | $144 |
| Speeding ticket | $233 | $140 |
| DUI | $310 | $186 |
Compare low-cost car insurance after an accident
For Virginia drivers with an accident on their record, Auto-Owners, State Farm, and Progressive provide affordable car insurance options. Full-coverage premiums for drivers with an accident average $239 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $139 | $85 |
| State Farm | $142 | $87 |
| Progressive | $174 | $129 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Virginia drivers with a speeding ticket can find cheap car insurance through State Farm, Auto-Owners, and Progressive. The average monthly cost for full coverage with a speeding ticket is $233.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $138 | $84 |
| Auto-Owners | $139 | $85 |
| Progressive | $169 | $125 |
Compare low-cost car insurance after DUI conviction
Virginia drivers with a DUI on their record can secure affordable full coverage car insurance with Auto-Owners, State Farm, and Progressive. For those with a DUI, the average monthly rate for full coverage is $310.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Auto-Owners | $169 | $104 |
| State Farm | $172 | $105 |
| Progressive | $225 | $166 |
Cheap car insurance in Virginia by credit score
Virginia drivers with excellent credit pay around $170 monthly. Those with poor credit see higher premiums, starting at $240 per month.
The rate disparity stems from how credit scores influence insurance pricing. Poor credit often leads to higher premiums due to perceived risks associated with payment reliability.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $170 | $102 |
| Good | $185 | $111 |
| Average | $201 | $121 |
| Poor | $240 | $145 |
FAQs
Does Virginia allow you to pay a $500 uninsured motor vehicle fee instead of getting car insurance?
No, as of July 1, 2024, Virginia no longer allows drivers to pay the $500 uninsured motor vehicle fee that was previously permitted. The law now requires all vehicle owners and drivers to carry car insurance. This change was made to ensure fairness, so that responsible, insured drivers no longer have to cover the costs caused by uninsured, at-fault drivers.
How do Virginia's weather patterns and geography affect car insurance rates?
Virginia's diverse climate zones create distinct insurance considerations across the Commonwealth. Coastal cities like Virginia Beach and Norfolk face hurricane risks and flooding from the Atlantic, which increases comprehensive coverage claims for weather damage. The mountainous western regions experience winter ice storms and hazardous Appalachian driving conditions that elevate accident rates during cold months. Meanwhile, the urban Northern Virginia corridor deals with severe traffic congestion and higher collision frequency. Insurance companies factor these regional weather and terrain differences into their pricing.
What is Virginia's "stacking law" for underinsured motorist (UIM) coverage?
Under Virginia's UIM "stacking law," a crash victim can combine their own UIM coverage limit with the at-fault driver's liability coverage limit. This "stacking" increases the total policy limits available, providing more coverage for expenses such as medical bills, lost wages, pain, and mental anguish. In short, it allows the victim to access greater compensation when the at-fault driver's insurance alone is insufficient.
Bottom line
These companies may offer Virginia's cheapest rates, but that doesn't guarantee they're the cheapest for your specific car insurance needs. Getting quotes from multiple insurance providers and comparing them based on both price and service is the most effective way to find the right company for you.
Data throughout provided by Insurify.
Average rate:
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