The Cheapest Car Insurance in Virginia for February 2025
Virginia Farm Bureau and Travelers have the cheapest car insurance in VA according to NerdWallet's analysis.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Updated Feb 14, 2025 · 5 min read
Virginia Farm Bureau offers the cheapest car insurance in Virginia, with an average rate of $29 per month according to NerdWallet's February 2025 analysis. If you’re looking for more robust coverage, Virginia Farm Bureau has the cheapest full coverage insurance in the state, with a median monthly rate of $75.
The cheapest liability insurance in VA
Want the absolute lowest premium? Below is the cheapest car insurance in Virginia for the minimum liability coverage required by the state. These monthly rates are based on a 35-year-old driver with good credit and a clean driving history.
* USAA is only available to active military members, veterans and their families.
Rates refreshed February 2025.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.The cheapest full coverage insurance in VA
Full coverage insurance isn't as cheap as liability coverage but can offer more financial protection if you get into an accident.
Below is the cheapest car insurance in Virginia for full coverage. These median rates are based on a 35-year-old driver with good credit and a clean driving history.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $903 | $75 |
| Travelers | $1,094 | $91 |
| Utica National | $1,235 | $103 |
| Geico | $1,383 | $115 |
| Chubb | $1,724 | $144 |
Rates refreshed February 2025.
How NerdWallet’s editorial team determined these rates: Once a month, NerdWallet’s car insurance data team analyzes more than 500 million sample car insurance rates provided by Quadrant Information Services to find the auto insurers offering the cheapest rates. Our data analysis combines hundreds of hours of rigorous data vetting, thorough optimizing and extensive engineering work to provide you with the cheapest car insurance companies in Illinois on a monthly basis.
The quotes you get when you shop around may be different because insurers will use your personal characteristics — like age, driving record, the car you drive and where you live — to determine how much you’ll pay for a policy. But you can use the rates in our analysis to get a sense of cheap companies in the Old Dominion state, and which insurers you may want to get a quote from.
Keep reading to find the cheapest car insurance in Virginia for different driver profiles and coverage types among:
Did your rates go up? Auto insurance prices are on the rise in Virginia. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Cheap car insurance in VA cities
NerdWallet analyzed rates for some of the largest Virginia cities, including:
- Alexandria
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 Virginia Farm Bureau $433 After a DUI Virginia Farm Bureau $549 After an accident Virginia Farm Bureau $433 After a speeding ticket Virginia Farm Bureau $472 Having poor credit Virginia Farm Bureau $641 Rates refreshed February 2025.
- Arlington
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 $419 After a DUI Virginia Farm Bureau $553 After an accident Virginia Farm Bureau $436 After a speeding ticket Virginia Farm Bureau $475 Having poor credit Virginia Farm Bureau $646 Rates refreshed February 2025.
- Ashburn
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 $386 After a DUI Virginia Farm Bureau $489 After an accident Virginia Farm Bureau $386 After a speeding ticket Virginia Farm Bureau $421 Having poor credit Utica National $539 Rates refreshed February 2025.
- Midlothian
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 $395 After a DUI Virginia Farm Bureau $500 After an accident Virginia Farm Bureau $395 After a speeding ticket Virginia Farm Bureau $430 Having poor credit Utica National $482 Rates refreshed February 2025.
- Richmond
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 $931 After a DUI Virginia Farm Bureau $1,146 After an accident Virginia Farm Bureau $931 After a speeding ticket Virginia Farm Bureau $1,003 Having poor credit Virginia Farm Bureau $1,399 Rates refreshed February 2025.
- Virginia Beach
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 $890 After a DUI Virginia Farm Bureau $1,099 After an accident Virginia Farm Bureau $892 After a speeding ticket Virginia Farm Bureau $961 Having poor credit Virginia Farm Bureau $1,339 Rates refreshed February 2025.
- Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Virginia where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Utica National | $1,235 | $103 |
| Travelers | $1,917 | $160 |
| Geico | $2,457 | $205 |
| Virginia Farm Bureau | $3,016 | $251 |
| Chubb | $3,438 | $287 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Utica National | $431 | $36 |
| Travelers | $571 | $48 |
| Geico | $867 | $72 |
| Erie | $1,162 | $97 |
| Cincinnati Insurance | $1,237 | $103 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Utica National | $568 | $47 |
| Travelers | $904 | $75 |
| Geico | $1,273 | $106 |
| Chubb | $1,362 | $114 |
| Virginia Farm Bureau | $1,893 | $158 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $697 | $58 |
| Utica National | $842 | $70 |
| Geico | $1,197 | $100 |
| Erie | $1,299 | $108 |
| Chubb | $1,362 | $114 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Utica National | $582 | $49 |
| Travelers | $811 | $68 |
| Geico | $1,144 | $95 |
| Virginia Farm Bureau | $1,249 | $104 |
| Chubb | $1,575 | $131 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $934 | $78 |
| Utica National | $1,079 | $90 |
| Geico | $1,538 | $128 |
| Virginia Farm Bureau | $1,609 | $134 |
| Erie | $1,950 | $162 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $903 | $75 |
| Travelers | $1,128 | $94 |
| Utica National | $1,235 | $103 |
| Geico | $1,391 | $116 |
| Chubb | $1,724 | $144 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $349 | $29 |
| Travelers | $371 | $31 |
| Utica National | $431 | $36 |
| Geico | $510 | $43 |
| Erie | $629 | $52 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Utica National | $514 | $43 |
| Virginia Farm Bureau | $537 | $45 |
| Travelers | $616 | $51 |
| Geico | $683 | $57 |
| Chubb | $688 | $57 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $396 | $33 |
| Travelers | $436 | $36 |
| Geico | $649 | $54 |
| Erie | $667 | $56 |
| Chubb | $688 | $57 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $365 | $30 |
| Travelers | $489 | $41 |
| Utica National | $557 | $46 |
| Geico | $784 | $65 |
| State Farm | $869 | $72 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $441 | $37 |
| Travelers | $549 | $46 |
| Geico | $939 | $78 |
| National General | $962 | $80 |
| Utica National | $999 | $83 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $875 | $73 |
| Travelers | $993 | $83 |
| Utica National | $1,121 | $93 |
| Geico | $1,362 | $114 |
| Chubb | $1,724 | $144 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $340 | $28 |
| Travelers | $343 | $29 |
| Utica National | $394 | $33 |
| Geico | $499 | $42 |
| Erie | $570 | $48 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Utica National | $451 | $38 |
| Virginia Farm Bureau | $522 | $44 |
| Travelers | $583 | $49 |
| Chubb | $688 | $57 |
| Geico | $695 | $58 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $383 | $32 |
| Travelers | $423 | $35 |
| Erie | $604 | $50 |
| Geico | $629 | $52 |
| Chubb | $688 | $57 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $357 | $30 |
| Travelers | $477 | $40 |
| Utica National | $519 | $43 |
| Geico | $745 | $62 |
| State Farm | $879 | $73 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $429 | $36 |
| Travelers | $535 | $45 |
| National General | $904 | $75 |
| Geico | $920 | $77 |
| Utica National | $929 | $77 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $875 | $73 |
| Utica National | $922 | $77 |
| Travelers | $974 | $81 |
| Geico | $1,305 | $109 |
| Chubb | $1,513 | $126 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Utica National | $328 | $27 |
| Travelers | $343 | $29 |
| Virginia Farm Bureau | $344 | $29 |
| Geico | $500 | $42 |
| Erie | $537 | $45 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Utica National | $389 | $32 |
| Virginia Farm Bureau | $523 | $44 |
| Travelers | $583 | $49 |
| Chubb | $614 | $51 |
| Geico | $682 | $57 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $384 | $32 |
| Travelers | $423 | $35 |
| Erie | $568 | $47 |
| Chubb | $614 | $51 |
| Geico | $629 | $52 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $357 | $30 |
| Utica National | $453 | $38 |
| Travelers | $477 | $40 |
| Geico | $760 | $63 |
| Chubb | $826 | $69 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $434 | $36 |
| Travelers | $535 | $45 |
| Utica National | $884 | $74 |
| Geico | $933 | $78 |
| National General | $936 | $78 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $741 | $62 |
| Travelers | $890 | $74 |
| Utica National | $922 | $77 |
| Geico | $1,221 | $102 |
| Erie | $1,507 | $126 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $305 | $25 |
| Utica National | $328 | $27 |
| Travelers | $333 | $28 |
| Geico | $493 | $41 |
| Erie | $519 | $43 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Utica National | $408 | $34 |
| Virginia Farm Bureau | $445 | $37 |
| Travelers | $562 | $47 |
| Chubb | $614 | $51 |
| Geico | $675 | $56 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $331 | $28 |
| Travelers | $423 | $35 |
| Erie | $548 | $46 |
| Chubb | $614 | $51 |
| Geico | $622 | $52 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $305 | $25 |
| Utica National | $460 | $38 |
| Travelers | $476 | $40 |
| Geico | $746 | $62 |
| Erie | $800 | $67 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $383 | $32 |
| Travelers | $537 | $45 |
| National General | $890 | $74 |
| Utica National | $918 | $77 |
| State Farm | $949 | $79 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $751 | $63 |
| Travelers | $988 | $82 |
| Utica National | $1,012 | $84 |
| Geico | $1,262 | $105 |
| Chubb | $1,513 | $126 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $309 | $26 |
| Utica National | $359 | $30 |
| Travelers | $374 | $31 |
| Geico | $535 | $45 |
| Erie | $582 | $49 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $451 | $38 |
| Utica National | $505 | $42 |
| Chubb | $614 | $51 |
| Travelers | $635 | $53 |
| Geico | $807 | $67 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $335 | $28 |
| Travelers | $495 | $41 |
| Chubb | $614 | $51 |
| Erie | $617 | $51 |
| Geico | $675 | $56 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $309 | $26 |
| Utica National | $524 | $44 |
| Travelers | $565 | $47 |
| Geico | $779 | $65 |
| Chubb | $826 | $69 |
Rates refreshed February 2025.
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Virginia Farm Bureau | $388 | $32 |
| Travelers | $638 | $53 |
| State Farm | $1,016 | $85 |
| Utica National | $1,092 | $91 |
| Geico | $1,133 | $94 |
Rates refreshed February 2025.
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 46 of the 70 driver profiles we examined.
Minimum auto insurance limits required 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.
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 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-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.
Compare Car Insurance Quotes
by Drew Gula, Sarah SchlichterShopping for car insurance? See rates from top companies, then compare quotes to find your best price.
Read More
Cheap Car Insurance
by Drew GulaThe cheapest car insurance companies include Geico, Progressive, State Farm and Travelers, according to NerdWallet’s 2025 analysis.
Read More
Cheap Full Coverage Car Insurance for 2025
by Kayda Norman, Drew GulaNerdWallet analyzed rates from the nation’s largest insurers to find the cheapest full coverage car insurance.
Read More
