Auto Insurance in Virginia
Virginia’s auto insurance rates are on the low side — on average $1,474 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Virginia has over 8 million people, putting its population size at number 12 in the United States. The climate is generally mild, with the occasional tropical storm or severe blizzard. The state has coastal and inland regions, featuring a wide range of ecosystems.
Virginia Minimum Liability
Virginia requires drivers to have auto insurance that covers $25,000 per person for bodily injury, $20,000 in property damage, and $50,000 per accident for bodily injury. When you start adding up the average accident costs, which were $3,231 in property damage and $15,443 in bodily injury costs in 2013, you don’t have a lot of wiggle room if you come in above the average. If that happens, the insurance company isn’t on the hook for the rest; you are.
One of the best ways to handle this situation is to get more than the Virginia state minimum in coverage. The minimum recommended liability level is 50/100/50, but 100/300/100 will provide you with sufficient protection for most situations. The higher coverage drives the premium cost up, but if you shop around and ask for quotes from multiple companies, you can often knock the price down somewhat.
Cheapest Car Insurance in Virginia
- $1,044State Farm
Want to get the most cost-effective auto insurance in Virginia? These companies specialize in providing the cheapest car insurance in the state, although there is a trade-off. You sacrifice some benefits when opting for the lowest rates; for example, you may not receive prompt customer service or have an easy time getting your claims paid.
When you only want to get the lowest price, these auto insurance companies are your best choices in Virginia. You won’t necessarily get the same level of service from national auto insurance companies as from local ones, but you can get a pretty low price. That’s great if you don’t drive a significant amount, like many people who live in Northern Virginia.
Most Popular Companies by Marketshare
- State Farm
Some car insurance companies in Virginia are household names. You see their commercials and billboards, and you get their jingles stuck in your head. These insurance companies often have the biggest ad budgets, which buys them better brand-name awareness compared to smaller, local companies.
While these Virginia car insurance companies may be the most popular, they don’t always offer the best prices or service. Make sure you get quotes from multiple auto insurance providers in Virginia, including smaller companies, before you buy car insurance.
Choosing the Best Car Insurance in Virginia
The best auto insurance companies in Virginia stand out by offering superior customer service, stress-free claims processes, and a solid financial standing. These are top-rated auto insurance companies, so you can expect them to be around for a long time and have the resources in place to provide the best service.
Extensive coverage options are another way top auto insurance companies in Virginia set themselves apart from the rest of the pack. Fair premiums and discounts are more ways these auto insurance companies distinguish themselves.
Where is car insurance most affordable?
Where you live has a lot of bearing on how much you’ll pay for car insurance.
Virginia car insurance is relatively stable from city to city, without too much deviation from the average premium price. The most expensive cities are Alexandria, Norfolk, and Richmond; meanwhile, Roanoke, Lynchburg, and Suffolk are the least expensive. The more expensive cities are those with bigger populations and those located near the ocean, while cheaper rates are available inland and in smaller cities.
Alexandria Auto Insurance
Alexandria, with a population of about 148,000, is situated near Washington. It has a vibrant arts and culture district, gorgeous waterfront views, and many specialty shopping areas. Its proximity to the nation’s capital, as well as its access to public transit, means that not as many people drive cars in this area as elsewhere in the state. Auto insurance rates for Alexandria are slightly above the state average but $200 under the national average.
Chesapeake Auto Insurance
Chesapeake, Virginia, is a rural wonderland. It sits in the middle of protected land, with farmlands, forest, and wetlands lending plenty of natural beauty to the area. It’s home to about 230,000 people, although they are spread across this geographically diverse area. Car insurance rates here are slightly below the state average.
Hampton Auto Insurance
Hampton sits on the coast of the Chesapeake Bay and is home to Langley Air Force Base. Due to its proximity to the coast, some flooding and hurricanes do cause problems with cars. The auto insurance rates in this area are slightly above the state average.
Lynchburg Auto Insurance
Lynchburg is situated among mountain foothills, far inland from the coast, a location that shields it from most of the severe weather in the area. This city’s economy gets a big boost from medical businesses; Lynchburg also boasts a rich historical district and several art and concert halls that give it a distinct culture. Another benefit of living in Lynchburg is its low auto insurance rates, $100 below the average for Virginia.
Newport News Auto Insurance
Newport News, with a population of just over 182,000, is the fifth-largest city in Virginia. It sits at the mouth of the James River and also has access to the coast. This city is known for its U.S. Navy shipbuilding yard along with other military support businesses. Newport News auto insurance runs slightly below the state’s average cost.
Norfolk Auto Insurance
Norfolk is the second-largest city in Virginia, with a population of more than 246,000. The higher population drives the auto insurance rates slightly higher than the state’s average. This city is known for the world’s largest Navy station, the Naval Station Norfolk, and a NATO Strategic Command station.
Portsmouth Auto Insurance
Portsmouth is a small Virginia city with a population of about 98,500. It sits on the Elizabeth River, which provides a beautiful backdrop to the area as well as numerous outdoor recreation opportunities. Many of the businesses in this area exist to support the military installations in nearby Norfolk. The auto insurance rates in Portsmouth are slightly higher than average for Virginia as a whole.
Richmond Auto Insurance
Richmond is Virginia’s capital and the state’s largest city, with a population of nearly 215,000. Its economy is driven by financial and military companies as well as by several universities. It’s also significant for being the home of a U.S. Court of Appeals. Auto insurance in Richmond costs slightly more than Virginia’s average premium.
Roanoke Auto Insurance
The city of Roanoke, with a population of about 98,000, gets its name from the Roanoke River, which runs right through the town. Due to the river’s location, Roanoke was able to establish itself as a commercial center for the region. It’s also set in the mountain foothills, which helps cut down on severe weather events in the area. Auto insurance rates in Roanoke are more than $100 less than the state average.
Suffolk Auto Insurance
Suffolk, with a population of more than 85,500, is a coastal Virginia town west of Norfolk. It features a significant amount of rural farmland, where peanuts are grown. In fact, Planters Peanuts was established in the area. Auto insurance rates in Suffolk are right in line with the state’s average premium.
Virginia Beach Auto Insurance
Virginia Beach is home to over 448,000 residents and many more tourists throughout the summer and fall. It’s a resort town with many miles of oceanfront and plenty of restaurants, stores, and hotels to handle the influx of visitors. Auto insurance rates in Virginia Beach are just about the same as the average premium for the whole state.
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