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Best Cheap Car Insurance in Virginia for 2021

Dec. 10, 2020
Auto Insurance, Insurance
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If you’re looking for cheap car insurance in Virginia, the most affordable company will depend on personal factors such as your age, driving record and credit history. Prices also differ from one insurer to the next, which is why it’s smart to compare several quotes.

To help drivers find the best deal, NerdWallet gathered rates from 28 companies in the state and found the cheapest Virginia car insurance options for several driver types.

Cheapest for 20-year-old drivers in Virginia

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 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: $1,582 per year.
  2. Virginia Farm Bureau: $1,774 per year.
  3. Travelers: $1,781 per year.
  4. Nationwide: $1,902 per year.
  5. Erie: $1,919 per year.

Cheapest minimum coverage 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.
  2. Travelers: $608 per year.
  3. Geico: $666 per year.
  4. Virginia Farm Bureau: $777 per year.
  5. Erie: $798 per year.

Cheapest coverage for 20-year-olds with poor credit in Virginia

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.
  2. Travelers: $976 per year.
  3. Virginia Farm Bureau: $1,204 per year.
  4. Allstate: $1,289 per year.
  5. Progressive: $1,440 per year.

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

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.
  2. Geico: $786 per year.
  3. Travelers: $802 per year.
  4. Virginia Farm Bureau: $998 per year.
  5. Erie: $1,042 per year.

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

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

  1. Travelers: $948 per year.
  2. Virginia Farm Bureau: $957 per year.
  3. Geico: $959 per year.
  4. Progressive: $1,071 per year.
  5. Erie: $1,178 per year.

Cheapest for 30-year-old drivers in Virginia

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 in Virginia for 30-year-olds

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

  1. Nationwide: $849 per year.
  2. Virginia Farm Bureau: $951 per year.
  3. Geico: $1,061 per year.
  4. State Farm: $1,061 per year.
  5. Travelers: $1,070 per year.

Cheapest minimum coverage 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.
  2. Virginia Farm Bureau: $355 per year.
  3. State Farm: $387 per year.
  4. Travelers: $391 per year.
  5. Donegal: $397 per year.

Cheapest coverage for 30-year-olds with poor credit in Virginia

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

  1. Nationwide: $1,152 per year.
  2. Geico: $1,153 per year.
  3. Virginia Farm Bureau: $1,567 per year.
  4. Progressive: $1,915 per year.
  5. Travelers: $1,955 per year.

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

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

  1. Virginia Farm Bureau: $1,252 per year.
  2. Nationwide: $1,255 per year.
  3. State Farm: $1,356 per year.
  4. Erie: $1,400 per year.
  5. Travelers: $1,455 per year.

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

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

  1. Virginia Farm Bureau: $1,238 per year.
  2. Progressive: $1,479 per year.
  3. Nationwide: $1,504 per year.
  4. State Farm: $1,583 per year.
  5. Travelers: $1,587 per year.

Cheapest for 40-year-old drivers in Virginia

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 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: $815 per year.
  2. Virginia Farm Bureau: $890 per year.
  3. Travelers: $951 per year.
  4. Alfa: $994 per year.
  5. Erie: $996 per year.

Cheapest minimum coverage 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.
  2. Virginia Farm Bureau: $343 per year.
  3. Travelers: $360 per year.
  4. Alfa: $367 per year.
  5. State Farm: $390 per year.

Cheapest coverage for 40-year-olds with poor credit in Virginia

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

  1. Geico: $1,091 per year.
  2. Nationwide: $1,102 per year.
  3. Virginia Farm Bureau: $1,460 per year.
  4. Travelers: $1,752 per year.
  5. Progressive: $1,786 per year.

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

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

  1. Virginia Farm Bureau: $1,198 per year.
  2. Nationwide: $1,209 per year.
  3. Erie: $1,296 per year.
  4. State Farm: $1,331 per year.
  5. Travelers: $1,369 per year.

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

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

  1. Virginia Farm Bureau: $1,153 per year.
  2. Progressive: $1,391 per year.
  3. Nationwide: $1,458 per year.
  4. Travelers: $1,495 per year.
  5. Erie: $1,553 per year.

Cheapest for 50-year-old drivers in Virginia

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 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: $766 per year.
  2. Alfa: $836 per year.
  3. Virginia Farm Bureau: $887 per year.
  4. Travelers: $932 per year.
  5. Erie: $946 per year.

Cheapest minimum coverage 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.
  2. Alfa: $313 per year.
  3. Donegal: $348 per year.
  4. Travelers: $360 per year.
  5. Virginia Farm Bureau: $360 per year.

Cheapest coverage for 50-year-olds with poor credit in Virginia

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

  1. Nationwide: $1,031 per year.
  2. Geico: $1,036 per year.
  3. Virginia Farm Bureau: $1,451 per year.
  4. Progressive: $1,609 per year.
  5. Travelers: $1,715 per year.

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

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

  1. Nationwide: $1,144 per year.
  2. Virginia Farm Bureau: $1,224 per year.
  3. Erie: $1,230 per year.
  4. State Farm: $1,304 per year.
  5. Geico: $1,335 per year.

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

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: $1,143 per year.
  2. Progressive: $1,281 per year.
  3. Nationwide: $1,393 per year.
  4. Travelers: $1,466 per year.
  5. Erie: $1,474 per year.

Cheapest for 65-year-old drivers in Virginia

Although 65-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 mid-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 in Virginia for 65-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. Alfa: $725 per year.
  2. Nationwide: $747 per year.
  3. Travelers: $888 per year.
  4. Virginia Farm Bureau: $948 per year.
  5. State Farm: $956 per year.

Cheapest minimum coverage in Virginia for 65-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: $275 per year.
  2. Geico: $321 per year.
  3. Donegal: $348 per year.
  4. State Farm: $368 per year.
  5. Cincinnati Insurance: $370 per year.

Cheapest coverage for 65-year-olds with poor credit in Virginia

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

  1. Nationwide: $1,003 per year.
  2. Geico: $1,107 per year.
  3. Virginia Farm Bureau: $1,548 per year.
  4. Progressive: $1,664 per year.
  5. Travelers: $1,667 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Virginia

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

  1. Nationwide: $1,121 per year.
  2. State Farm: $1,226 per year.
  3. Alfa: $1,241 per year.
  4. Erie: $1,254 per year.
  5. Travelers: $1,363 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Virginia

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: $1,222 per year.
  2. Nationwide: $1,370 per year.
  3. Progressive: $1,425 per year.
  4. State Farm: $1,436 per year.
  5. Travelers: $1,487 per year.

Cheapest 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 24 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

If you ever cause a crash, liability coverage pays for others’ injuries and property damage, up to your 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. You may also want to consider common add-ons such as collision, comprehensive and uninsured motorist protection.

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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