The Cheapest Car Insurance in Virginia for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Virginia for a variety of ages and driving histories.
Dec 8, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Virginia isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Virginia is $1,460 per year, or about $122 per month, according to NerdWallet’s analysis. Minimum coverage in Virginia is $533 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Virginia at $308 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Virginia

$68/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$26/month

4.5

NerdWallet rating 

Cheapest for young drivers

Alfa

$136/month

Not yet rated.

Cheapest for drivers with poor credit

$68/month

4.5

NerdWallet rating 

How we chose the cheapest companies in Virginia

NerdWallet’s editorial team analyzed car insurance rates from 17 auto insurers in Virginia and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Virginia. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Virginia for 20-year-olds

Drivers in Virginia with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Alfa: $1,627 per year, or about $136 per month.

  2. Travelers: $1,801 per year, or about $150 per month.

  3. Erie: $1,833 per year, or about $153 per month.

  4. Virginia Farm Bureau: $1,839 per year, or about $153 per month.

  5. Nationwide: $1,894 per year, or about $158 per month.

Cheapest minimum coverage car insurance in Virginia for 20-year-olds

Drivers in Virginia who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Alfa: $568 per year, or about $47 per month.

  2. Travelers: $586 per year, or about $49 per month.

  3. Geico: $666 per year, or about $56 per month.

  4. Erie: $671 per year, or about $56 per month.

  5. State Farm: $812 per year, or about $68 per month.

Cheapest auto insurance in Virginia for 20-year-olds with poor credit

Drivers with poor credit in Virginia should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $736 per year, or about $61 per month.

  2. Travelers: $921 per year, or about $77 per month.

  3. Virginia Farm Bureau: $1,264 per year, or about $105 per month.

  4. Allstate: $1,273 per year, or about $106 per month.

  5. Erie: $1,450 per year, or about $121 per month.

Cheapest auto insurance in Virginia for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Virginia, here are the companies with the lowest average rates for minimum coverage:

  1. Alfa: $745 per year, or about $62 per month.

  2. Travelers: $771 per year, or about $64 per month.

  3. Geico: $787 per year, or about $66 per month.

  4. Erie: $913 per year, or about $76 per month.

  5. Virginia Farm Bureau: $1,052 per year, or about $88 per month.

Cheapest auto insurance in Virginia for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Travelers: $917 per year, or about $76 per month.

  2. Geico: $959 per year, or about $80 per month.

  3. Virginia Farm Bureau: $1,001 per year, or about $83 per month.

  4. Erie: $1,030 per year, or about $86 per month.

  5. State Farm: $1,273 per year, or about $106 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Virginia for 30-year-olds

Drivers in Virginia with clean driving records may get the lowest rates from these companies:

  1. Nationwide: $829 per year, or about $69 per month.

  2. Virginia Farm Bureau: $991 per year, or about $83 per month.

  3. Erie: $1,035 per year, or about $86 per month.

  4. Travelers: $1,079 per year, or about $90 per month.

  5. State Farm: $1,101 per year, or about $92 per month.

Cheapest minimum coverage car insurance in Virginia for 30-year-olds

Drivers in Virginia who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $313 per year, or about $26 per month.

  2. State Farm: $371 per year, or about $31 per month.

  3. Virginia Farm Bureau: $371 per year, or about $31 per month.

  4. Travelers: $379 per year, or about $32 per month.

  5. Erie: $392 per year, or about $33 per month.

Cheapest auto insurance in Virginia for 30-year-olds with poor credit

Drivers with poor credit in Virginia should consider the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,146 per year, or about $96 per month.

  2. Geico: $1,200 per year, or about $100 per month.

  3. Virginia Farm Bureau: $1,587 per year, or about $132 per month.

  4. Encompass: $1,921 per year, or about $160 per month.

  5. Travelers: $1,954 per year, or about $163 per month.

Cheapest auto insurance in Virginia for 30-year-old drivers with one at-fault crash

For drivers in Virginia with a recent accident, here are the lowest average rate options for full coverage:

  1. Nationwide: $1,255 per year, or about $105 per month.

  2. Virginia Farm Bureau: $1,303 per year, or about $109 per month.

  3. Erie: $1,375 per year, or about $115 per month.

  4. State Farm: $1,403 per year, or about $117 per month.

  5. Travelers: $1,471 per year, or about $123 per month.

Cheapest auto insurance in Virginia for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Virginia Farm Bureau: $1,290 per year, or about $108 per month.

  2. Nationwide: $1,517 per year, or about $126 per month.

  3. Travelers: $1,602 per year, or about $134 per month.

  4. State Farm: $1,626 per year, or about $136 per month.

  5. Erie: $1,635 per year, or about $136 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Virginia for 40-year-olds

Drivers in Virginia with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Nationwide: $793 per year, or about $66 per month.

  2. Virginia Farm Bureau: $927 per year, or about $77 per month.

  3. Travelers: $956 per year, or about $80 per month.

  4. Erie: $960 per year, or about $80 per month.

  5. Alfa: $1,022 per year, or about $85 per month.

Cheapest minimum coverage car insurance in Virginia for 40-year-olds

Drivers in Virginia who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $305 per year, or about $25 per month.

  2. Travelers: $349 per year, or about $29 per month.

  3. Virginia Farm Bureau: $358 per year, or about $30 per month.

  4. Erie: $365 per year, or about $30 per month.

  5. Alfa: $367 per year, or about $31 per month.

Cheapest auto insurance in Virginia for 40-year-olds with poor credit

Drivers with poor credit in Virginia can check out the following insurers with the lowest average rates for full coverage:

  1. Nationwide: $1,094 per year, or about $91 per month.

  2. Geico: $1,135 per year, or about $95 per month.

  3. Virginia Farm Bureau: $1,480 per year, or about $123 per month.

  4. Mercury: $1,652 per year, or about $138 per month.

  5. Travelers: $1,747 per year, or about $146 per month.

Cheapest auto insurance in Virginia for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Virginia, here are the companies with the lowest average rates for full coverage:

  1. Nationwide: $1,207 per year, or about $101 per month.

  2. Virginia Farm Bureau: $1,246 per year, or about $104 per month.

  3. Erie: $1,273 per year, or about $106 per month.

  4. State Farm: $1,375 per year, or about $115 per month.

  5. Travelers: $1,381 per year, or about $115 per month.

Cheapest auto insurance in Virginia for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Virginia Farm Bureau: $1,201 per year, or about $100 per month.

  2. Nationwide: $1,469 per year, or about $122 per month.

  3. Travelers: $1,506 per year, or about $126 per month.

  4. Erie: $1,513 per year, or about $126 per month.

  5. Mercury: $1,532 per year, or about $128 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Virginia for 50-year-olds

Drivers in Virginia with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Nationwide: $741 per year, or about $62 per month.

  2. Alfa: $859 per year, or about $72 per month.

  3. Erie: $914 per year, or about $76 per month.

  4. Virginia Farm Bureau: $923 per year, or about $77 per month.

  5. Travelers: $937 per year, or about $78 per month.

Cheapest minimum coverage car insurance in Virginia for 50-year-olds

Drivers in Virginia who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $293 per year, or about $24 per month.

  2. Alfa: $313 per year, or about $26 per month.

  3. Erie: $348 per year, or about $29 per month.

  4. Travelers: $349 per year, or about $29 per month.

  5. State Farm: $371 per year, or about $31 per month.

Cheapest auto insurance in Virginia for 50-year-olds with poor credit

Drivers with poor credit in Virginia can check with the following companies, which showed the lowest average rates for full coverage:

  1. Nationwide: $1,018 per year, or about $85 per month.

  2. Geico: $1,078 per year, or about $90 per month.

  3. Virginia Farm Bureau: $1,471 per year, or about $123 per month.

  4. Mercury: $1,550 per year, or about $129 per month.

  5. Travelers: $1,710 per year, or about $142 per month.

Cheapest auto insurance in Virginia for 50-year-old drivers with one at-fault crash

For drivers living in Virginia with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Nationwide: $1,139 per year, or about $95 per month.

  2. Erie: $1,209 per year, or about $101 per month.

  3. Virginia Farm Bureau: $1,272 per year, or about $106 per month.

  4. State Farm: $1,346 per year, or about $112 per month.

  5. Travelers: $1,355 per year, or about $113 per month.

Cheapest auto insurance in Virginia for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Virginia Farm Bureau: $1,190 per year, or about $99 per month.

  2. Nationwide: $1,401 per year, or about $117 per month.

  3. Erie: $1,436 per year, or about $120 per month.

  4. Mercury: $1,441 per year, or about $120 per month.

  5. Progressive: $1,443 per year, or about $120 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Virginia for 60-year-olds

Drivers in Virginia with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Nationwide: $700 per year, or about $58 per month.

  2. Alfa: $752 per year, or about $63 per month.

  3. Travelers: $861 per year, or about $72 per month.

  4. Erie: $903 per year, or about $75 per month.

  5. Virginia Farm Bureau: $932 per year, or about $78 per month.

Cheapest minimum coverage car insurance in Virginia for 60-year-olds

Drivers in Virginia who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Alfa: $277 per year, or about $23 per month.

  2. Geico: $298 per year, or about $25 per month.

  3. Travelers: $338 per year, or about $28 per month.

  4. Erie: $344 per year, or about $29 per month.

  5. State Farm: $354 per year, or about $30 per month.

Cheapest auto insurance in Virginia for 60-year-olds with poor credit

Drivers with poor credit in Virginia can look at the following companies with the lowest average rates for full coverage:

  1. Nationwide: $958 per year, or about $80 per month.

  2. Geico: $1,082 per year, or about $90 per month.

  3. Virginia Farm Bureau: $1,483 per year, or about $124 per month.

  4. Mercury: $1,486 per year, or about $124 per month.

  5. Travelers: $1,567 per year, or about $131 per month.

Cheapest auto insurance in Virginia for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Virginia, here are the companies with the lowest average rates for full coverage:

  1. Nationwide: $1,085 per year, or about $90 per month.

  2. Erie: $1,197 per year, or about $100 per month.

  3. State Farm: $1,270 per year, or about $106 per month.

  4. Alfa: $1,284 per year, or about $107 per month.

  5. Travelers: $1,300 per year, or about $108 per month.

Cheapest auto insurance in Virginia for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Virginia Farm Bureau: $1,200 per year, or about $100 per month.

  2. Nationwide: $1,348 per year, or about $112 per month.

  3. Mercury: $1,385 per year, or about $115 per month.

  4. Progressive: $1,395 per year, or about $116 per month.

  5. Cincinnati Insurance: $1,411 per year, or about $118 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 47 of the 48 driver profiles we examined.

Minimum car insurance requirements in Virginia

Virginia requires drivers who purchase insurance to carry liability coverage in at least the following coverage amounts:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $20,000 property damage liability per accident.

  • $25,000 uninsured/underinsured motorist coverage per person.

  • $50,000 uninsured/underinsured motorist coverage per accident.

  • $20,000 uninsured/underinsured motorist property damage coverage per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits. An at-fault crash could easily result in injury or repair bills higher than the amounts listed above, so it’s often smart to purchase more than the minimum coverage.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

Find out more about how the required and optional parts of your Virginia policy work by visiting our guide to minimum car insurance requirements by state.

In Virginia, it’s possible to register a car without insurance, but you must pay a $500 uninsured motor vehicle fee. Even if you pay this fee to avoid buying insurance, you still must pay for any damage you cause in a crash.

Alternative car insurance in Virginia

Drivers who are unable to buy Virginia car insurance on the open market — due to poor credit, DUI convictions or other factors — can apply for coverage through the Virginia Automobile Insurance Plan.

For more help finding cheap car insurance in Virginia, try our car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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