Fact CheckedNerdy takeaways
Virginia Farm Bureau has the cheapest car insurance in Virginia, with an average rate of $78 per month and $940 per year for full coverage.
In Virginia, full coverage car insurance costs an average of $179 per month or $2,151 per year for someone with a good driving record.
We can show you which insurers in Virginia might have the cheapest rates based on your coverage, age, driving history and credit. You’ll need to compare quotes to get your best price.
The cheapest car insurance in Virginia, at a glance
NerdWallet analyzed rates from 18 car insurance companies across every ZIP code in Virginia to find the cheapest auto insurance for drivers with different coverage levels, ages and driving records.
For more detailed information about how we found the cheapest car insurance companies in Virginia, please check out our full methodology at the bottom of this page.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts eliminate outliers and inaccuracies in pricing data. We look at rates from every ZIP code in a state where coverage is offered and data is available. And we change only one variable at a time when comparing rates for different coverage amounts, ages and backgrounds. That means you can easily see how each factor affects pricing.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheapest car insurance in Virginia for full coverage
Virginia Farm Bureau has the cheapest car insurance in Virginia for full coverage, with an average rate of $78 per month or $940 per year.
What full coverage is: Full coverage combines all of the auto insurance that Virginia requires, plus comprehensive and collision coverage. These types of coverage help cover theft, vandalism and most types of damage to your car, even damage that you caused.
Who needs it: Virginia doesn’t require full coverage, but you might still need it if you drive a lease or have an auto loan on your vehicle. Once you pay off your loan you may decide to drop full coverage to get cheaper insurance, but we recommend this only if you could afford to replace your car on your own.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $78 |
| Travelers | 4.9/5 | $92 |
| GEICO | 5.0/5 | $119 |
| Chubb | 4.0/5 | $134 |
| State Farm | 4.8/5 | $161 |
Rates refreshed September 2026.
More Nerdy Perspective
Auto insurance rates have risen in Virginia over the past three years, according to our historical data. Rates tend to go up over time even for good drivers because of factors like rising repair costs and lawsuits against insurance companies. Because of that, you should always compare quotes while you shop for a policy, since it’s most reliable way to fight against steadily rising rates.
Auto insurance rates have risen in Virginia over the past three years, according to our historical data. Rates tend to go up over time even for good drivers because of factors like rising repair costs and lawsuits against insurance companies. Because of that, you should always compare quotes while you shop for a policy, since it’s most reliable way to fight against steadily rising rates.
Andrew HurstLead Writer & Licensed Insurance ProCheapest car insurance in Virginia for minimum coverage
Travelers has the cheapest car insurance in Virginia for minimum coverage, with an average rate of $34 per month or $408 per year.
What minimum coverage is: In Virginia a policy with minimum coverage would help pay for the injuries and property damage that you cause to other people and their things. Minimum coverage doesn’t cover any damage to your own vehicle, however.
Who needs it: All drivers in Virginia need to have at least a minimum amount of car insurance. But if they can afford it, drivers should carry more insurance than what Virginia requires. Too little insurance could leave you risking tens of thousands of dollars in potential injury and repair costs.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $34 |
| Virginia Farm Bureau | 4.1/5 | $34 |
| GEICO | 5.0/5 | $41 |
| Erie | 4.5/5 | $52 |
| Chubb | 4.0/5 | $53 |
Virginia requires these types of car insurance.
Liability insurance: Covers the injuries and damage that you cause to others, but not to yourself.
Uninsured motorist coverage: Covers the injuries and property damage that someone else causes to you when they don’t have enough insurance (or any) to pay for the damage themselves .
Virginia raised its car insurance minimums in 2025. Now, requirements are relatively large compared to most states. In a crash a minimum policy may pay up to:
$50,000 of liability coverage for each person that you injure.
$100,000 of liability coverage, no matter how many people you injured.
$25,000 of liability insurance for damaged property.
Equal amounts of uninsured and underinsured motorist coverage.
While Virginia requires more car insurance than most states, its minimum liability limits for property damage are still low compared to the cost of damage that you could cause to someone’s new car. It's worth considering more coverage so that you reduce the chance of paying out of pocket for repairs.
Keep reading to find the cheapest car insurance in Virginia for different driver profiles and coverage types among:
Cheap car insurance in VA cities
NerdWallet analyzed rates for some of the largest Virginia cities, including:
Below are the cheapest rates for liability insurance in Alexandria for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Alexandria.
Category Cheapest Company Median annual rate Clean driving history Travelers $497 After a DUI Virginia Farm Bureau $656 After an accident Virginia Farm Bureau $526 After a speeding ticket Virginia Farm Bureau $569 Having poor credit Chubb $692 Rates refreshed September 2026.
Below are the cheapest rates for liability insurance in Arlington for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Arlington.
Category Cheapest Company Median annual rate Clean driving history Travelers $448 After a DUI Virginia Farm Bureau $658 After an accident Virginia Farm Bureau $531 After a speeding ticket Travelers $523 Having poor credit Chubb $692 Rates refreshed September 2026.
Below are the cheapest rates for liability insurance in Ashburn for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Ashburn.
Category Cheapest Company Median annual rate Clean driving history Virginia Farm Bureau $464 After a DUI Virginia Farm Bureau $575 After an accident Virginia Farm Bureau $464 After a speeding ticket Virginia Farm Bureau $501 Having poor credit Virginia Farm Bureau $662 Rates refreshed September 2026.
Below are the cheapest rates for liability insurance in Midlothian for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Midlothian.
Category Cheapest Company Median annual rate Clean driving history Virginia Farm Bureau $465 After a DUI Virginia Farm Bureau $576 After an accident Virginia Farm Bureau $471 After a speeding ticket Virginia Farm Bureau $509 Having poor credit Virginia Farm Bureau $673 Rates refreshed September 2026.
Below are the cheapest rates for liability insurance in Richmond for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Richmond.
Category Cheapest Company Median annual rate Clean driving history Virginia Farm Bureau $973 After a DUI Virginia Farm Bureau $1,191 After an accident Virginia Farm Bureau $973 After a speeding ticket Virginia Farm Bureau $1,046 Having poor credit Virginia Farm Bureau $1,441 Rates refreshed September 2026.
Below are the cheapest rates for liability insurance in Virginia Beach for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Virginia Beach.
Category Cheapest Company Median annual rate Clean driving history Virginia Farm Bureau $935 After a DUI Virginia Farm Bureau $1,144 After an accident Virginia Farm Bureau $935 After a speeding ticket Virginia Farm Bureau $1,005 Having poor credit Virginia Farm Bureau $1,381 Rates refreshed September 2026.
Cheap auto insurance in Virginia for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best 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 VA for 20-year-olds
Drivers in Virginia with clean driving records may want to consider the following companies, which had the lowest average rates:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $155 |
| GEICO | 5.0/5 | $210 |
| Virginia Farm Bureau | 4.1/5 | $252 |
| Chubb | 4.0/5 | $266 |
| Mercury | 4.5/5 | $325 |
Rates refreshed September 2026.
Cheapest minimum coverage car insurance in VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $49 |
| GEICO | 5.0/5 | $72 |
| Erie | 4.5/5 | $103 |
| Chubb | 4.0/5 | $104 |
| Virginia Farm Bureau | 4.1/5 | $119 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $74 |
| Chubb | 4.0/5 | $104 |
| GEICO | 5.0/5 | $106 |
| Virginia Farm Bureau | 4.1/5 | $179 |
| Allstate | 4.3/5 | $193 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $58 |
| GEICO | 5.0/5 | $83 |
| Chubb | 4.0/5 | $104 |
| Erie | 4.5/5 | $114 |
| Virginia Farm Bureau | 4.1/5 | $131 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $68 |
| GEICO | 5.0/5 | $95 |
| Virginia Farm Bureau | 4.1/5 | $119 |
| Chubb | 4.0/5 | $120 |
| Erie | 4.5/5 | $146 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $80 |
| GEICO | 5.0/5 | $128 |
| Virginia Farm Bureau | 4.1/5 | $153 |
| Chubb | 4.0/5 | $170 |
| Erie | 4.5/5 | $175 |
Rates refreshed September 2026.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheap auto insurance in Virginia 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 VA for 30-year-olds
Drivers in Virginia seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $78 |
| Travelers | 4.9/5 | $94 |
| GEICO | 5.0/5 | $120 |
| Chubb | 4.0/5 | $134 |
| State Farm | 4.8/5 | $164 |
Rates refreshed September 2026.
Cheapest minimum coverage car insurance in VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $34 |
| Virginia Farm Bureau | 4.1/5 | $35 |
| GEICO | 5.0/5 | $43 |
| Chubb | 4.0/5 | $53 |
| Erie | 4.5/5 | $55 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 30-year-olds with poor credit
Drivers with poor credit in Virginia should consider the following companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $53 |
| Chubb | 4.0/5 | $53 |
| Travelers | 4.9/5 | $54 |
| GEICO | 5.0/5 | $63 |
| National General | 3.4/5 | $91 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $39 |
| Virginia Farm Bureau | 4.1/5 | $40 |
| Chubb | 4.0/5 | $53 |
| GEICO | 5.0/5 | $54 |
| Erie | 4.5/5 | $58 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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 minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $38 |
| Travelers | 4.9/5 | $44 |
| GEICO | 5.0/5 | $66 |
| Chubb | 4.0/5 | $69 |
| State Farm | 4.8/5 | $75 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $43 |
| Travelers | 4.9/5 | $49 |
| GEICO | 5.0/5 | $78 |
| National General | 3.4/5 | $87 |
| State Farm | 4.8/5 | $87 |
Rates refreshed September 2026.
Cheap auto insurance in Virginia 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 VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $76 |
| Travelers | 4.9/5 | $84 |
| GEICO | 5.0/5 | $118 |
| Chubb | 4.0/5 | $134 |
| Erie | 4.5/5 | $158 |
Rates refreshed September 2026.
Cheapest minimum coverage car insurance in VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $32 |
| Virginia Farm Bureau | 4.1/5 | $34 |
| GEICO | 5.0/5 | $42 |
| Erie | 4.5/5 | $51 |
| Chubb | 4.0/5 | $53 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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 minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $52 |
| Travelers | 4.9/5 | $52 |
| Chubb | 4.0/5 | $53 |
| GEICO | 5.0/5 | $64 |
| National General | 3.4/5 | $84 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $38 |
| Virginia Farm Bureau | 4.1/5 | $38 |
| GEICO | 5.0/5 | $53 |
| Chubb | 4.0/5 | $53 |
| Erie | 4.5/5 | $54 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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 minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $37 |
| Travelers | 4.9/5 | $43 |
| GEICO | 5.0/5 | $62 |
| Chubb | 4.0/5 | $69 |
| State Farm | 4.8/5 | $76 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 40-year-old drivers after a DUI
The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $42 |
| Travelers | 4.9/5 | $48 |
| GEICO | 5.0/5 | $77 |
| National General | 3.4/5 | $82 |
| State Farm | 4.8/5 | $88 |
Rates refreshed September 2026.
Cheap auto insurance in Virginia 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. 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 cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $76 |
| Travelers | 4.9/5 | $82 |
| GEICO | 5.0/5 | $113 |
| Chubb | 4.0/5 | $117 |
| Erie | 4.5/5 | $146 |
Rates refreshed September 2026.
Cheapest minimum coverage car insurance in VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $32 |
| Virginia Farm Bureau | 4.1/5 | $34 |
| GEICO | 5.0/5 | $42 |
| Chubb | 4.0/5 | $48 |
| Erie | 4.5/5 | $48 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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 minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Chubb | 4.0/5 | $48 |
| Virginia Farm Bureau | 4.1/5 | $52 |
| Travelers | 4.9/5 | $52 |
| GEICO | 5.0/5 | $63 |
| National General | 3.4/5 | $80 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $38 |
| Virginia Farm Bureau | 4.1/5 | $39 |
| Chubb | 4.0/5 | $48 |
| Erie | 4.5/5 | $51 |
| GEICO | 5.0/5 | $52 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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 minimum coverage rates:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $37 |
| Travelers | 4.9/5 | $43 |
| Chubb | 4.0/5 | $64 |
| GEICO | 5.0/5 | $64 |
| State Farm | 4.8/5 | $75 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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 minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $43 |
| Travelers | 4.9/5 | $48 |
| GEICO | 5.0/5 | $78 |
| National General | 3.4/5 | $85 |
| State Farm | 4.8/5 | $87 |
Rates refreshed September 2026.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheap auto insurance in Virginia 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 car 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 VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $65 |
| Travelers | 4.9/5 | $75 |
| GEICO | 5.0/5 | $106 |
| Chubb | 4.0/5 | $117 |
| Mercury | 4.5/5 | $132 |
Rates refreshed September 2026.
Cheapest minimum coverage car insurance in VA 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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $31 |
| Virginia Farm Bureau | 4.1/5 | $32 |
| GEICO | 5.0/5 | $41 |
| Erie | 4.5/5 | $45 |
| Chubb | 4.0/5 | $48 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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 minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $45 |
| Chubb | 4.0/5 | $48 |
| Travelers | 4.9/5 | $50 |
| GEICO | 5.0/5 | $63 |
| National General | 3.4/5 | $76 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $34 |
| Travelers | 4.9/5 | $38 |
| Chubb | 4.0/5 | $48 |
| Erie | 4.5/5 | $48 |
| GEICO | 5.0/5 | $52 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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 minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $32 |
| Travelers | 4.9/5 | $43 |
| GEICO | 5.0/5 | $63 |
| Chubb | 4.0/5 | $64 |
| State Farm | 4.8/5 | $70 |
Rates refreshed September 2026.
Cheapest car insurance in VA 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 minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $39 |
| Travelers | 4.9/5 | $48 |
| National General | 3.4/5 | $81 |
| GEICO | 5.0/5 | $81 |
| State Farm | 4.8/5 | $81 |
Rates refreshed September 2026.
Cheap auto insurance in Virginia for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in VA for 70-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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $66 |
| Travelers | 4.9/5 | $82 |
| GEICO | 5.0/5 | $109 |
| Chubb | 4.0/5 | $117 |
| State Farm | 4.8/5 | $150 |
Rates refreshed September 2026.
Cheapest minimum coverage car insurance in VA for 70-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:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $32 |
| Travelers | 4.9/5 | $34 |
| GEICO | 5.0/5 | $45 |
| Chubb | 4.0/5 | $48 |
| Erie | 4.5/5 | $51 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 70-year-olds with poor credit
Drivers with poor credit in Virginia can look at the following companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $46 |
| Chubb | 4.0/5 | $48 |
| Travelers | 4.9/5 | $55 |
| GEICO | 5.0/5 | $69 |
| National General | 3.4/5 | $94 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Virginia, here are the companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $35 |
| Travelers | 4.9/5 | $43 |
| Chubb | 4.0/5 | $48 |
| Erie | 4.5/5 | $54 |
| GEICO | 5.0/5 | $56 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 70-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 minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $32 |
| Travelers | 4.9/5 | $49 |
| Chubb | 4.0/5 | $64 |
| GEICO | 5.0/5 | $65 |
| State Farm | 4.8/5 | $74 |
Rates refreshed September 2026.
Cheapest car insurance in VA for 70-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 minimum coverage.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | 4.1/5 | $40 |
| Travelers | 4.9/5 | $56 |
| State Farm | 4.8/5 | $87 |
| GEICO | 5.0/5 | $94 |
| National General | 3.4/5 | $106 |
Rates refreshed September 2026.
Cheapest car insurance for military families in Virginia
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 66 of the 70 driver profiles we examined.
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- 1.Virginia Department of Motor Vehicles. Insurance Requirements. Accessed Sep 17, 2026.
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 2023 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
