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The Best Car Insurance Companies in Virginia

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    Virginia drivers enjoy some of the nation’s lowest car insurance rates. In our analysis of the best auto insurance in Virginia, we found four major companies that offer low rates while still maintaining excellent coverage and customer satisfaction. For our analysis, we collected information from J.D. Power and financial rating agencies like AM Best. Using these factors, plus the average annual premiums of each company and the variety of coverages and discounts offered, we selected the best car insurance companies in Virginia. Some of these companies also have national recognition and are included in our list of best auto insurance companies in the U.S.

    The 4 Best Auto Insurance Companies in Virginia

    • Erie: Best for Customer Satisfaction
    • USAA: Best for Military Members
    • Progressive: Best for Discounts
    • Travelers: Best for Low Premiums

    Compare the Best Car Insurance Companies in Virginia

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Erie$519.80$1,432.403.8A+856
    Pin USAA$683.97$1,856.944.8A++896
    Pin Progressive$606.67$1,591.054.2A+834
    Pin Travelers$555.72$1,687.554A++836

    *Data provided by Coverage.com.

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    Best for Customer Satisfaction

    Why we chose it

    Erie offers Virginia drivers car insurance with top-rated customer satisfaction at an affordable rate.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $519.80* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie offers Virginia drivers car insurance with top-rated customer satisfaction at an affordable rate.

    Pros

    • Top-rated customer satisfaction
    • Affordable annual premiums
    • Broad standard coverages

    Cons

    • Disappointing digital experience
    Read More

    Types of Coverage Offered

    • Collision
    • Liability
    • Comprehensive
    • Transportation expense/rental car coverage
    • Roadside assistance
    • New car protection
    • Better car protection
    • Rideshare

    Discounts Available

    • Erie Rate Lock
    • Multi-policy
    • First accident forgiveness
    • Diminishing deductible
    • Vehicle storage
    • Safety savings
    • Payment perks
    • Youthful driver discount
    • College credit

    Best for Military Members

    Why we chose it

    USAA offers highly-rated affordable car insurance for military members and their families.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $683.97* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 896** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers highly-rated affordable car insurance for military members and their families.

    Pros

    • Special coverages for active members of the military
    • Top-rated customer satisfaction
    • Excellent online support community

    Cons

    • Only available to military families
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Personal injury protection
    • Extended benefits
    • Uninsured & underinsured motorist
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness

    Discounts Available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • Full pay

    Best for Discounts

    Why we chose it

    Progressive helps Virginia drivers save more than any other company with its impressive list of discounts.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $606.67* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 834** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive helps Virginia drivers save more than any other company with its impressive list of discounts.

    Pros

    • Few complaints for a provider its size
    • Lots of online tools
    • Many discounts available

    Cons

    • Below-average customer satisfaction
    Read More

    Types of Coverage Offered

    • Liability
    • Comprehensive
    • Collision
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Loan/lease payoff
    • Rental car reimbursement
    • Customer parts and equipment value
    • Rideshare coverage
    • Deductible savings bank

    Discounts Available

    • Multi-policy
    • Multi-car
    • Continuous insurance
    • Safe driver
    • Teen & student driver discounts
    • Homeowner
    • Online quote
    • Sign online
    • Paperless billing
    • Pay in full
    • Automatic payment

    Best for Low Premiums

    Why we chose it

    Travelers offers highly-rated car insurance at a competitive price.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $555.72* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 836** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Travelers offers highly-rated car insurance at a competitive price.

    Pros

    • Low annual premiums
    • Lots of possible discounts
    • Many coverage options

    Cons

    • Below-average customer and claims satisfaction
    Read More

    Types of Coverage Offered

    • Liability
    • Comprehensive
    • Collision
    • Personal injury protection
    • Uninsured & underinsured motorist
    • Medical payments
    • Loan/lease gap
    • Rental reimbursement
    • Roadside assistance
    • New car replacement
    • Accident forgiveness
    • Ride Sharing

    Discounts Available

    • Multi-policy
    • Multi-car
    • Homeownership
    • Safe Driver
    • Continuous insurance
    • Hybrid/electric vehicle
    • New car
    • EFT, paid in full, and good payer
    • Early quote
    • Good student
    • Student away at school
    • Driver training
    • Employee & member affinity
    • IntelliDrive

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2021 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Virginia

    Virginia has some of the cheapest car insurance in the nation, partially because of its lack of natural disasters and inclement weather. According to Coverage.com, drivers in Virginia pay an average of $398 for the state’s required minimum liability coverage and $1,136 for full coverage.

    Car insurance rates can vary depending on several factors. Drivers with clean driving records or good credit scores can expect to pay lower premiums, while those with poor driving records or credit will pay more. Age also plays a role, as younger drivers tend to have a higher likelihood of driving infractions. Ultimately, the insurance company you choose and the level of coverage you need are some of the biggest determining factors.

    Top 3 Cheapest Car Insurance Companies in Virginia

    CompanyAverage Annual Premium
    Geico$491.81
    Erie$519.80
    Virginia Farm Bureau$537.04

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Virginia

    CompanyAverage Annual Premium
    State Farm$789.86
    Garrison Property & Casualty $764.77
    Allstate$734.84

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Virginia

    CityAverage Annual Premium*
    Lexington$443.45
    Strasburg$454.07
    Stuart$462.61

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Virginia

    CityAverage Annual Premium*
    North Springfield$773.27
    Bailey’s Crossroads$772.81
    Lincolnia$771.46

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will Further Protect You 

    • Gap insurance: Many insurance companies offer this type of coverage to cover the difference between your car’s actual cash value and the amount you owe on your auto loan.
    • Uninsured & underinsured motorist: This optional coverage (though required in some states) protects you from financial losses if you’re in an accident where the at-fault driver doesn’t have insurance.
    • Accident forgiveness: This optional coverage prevents your insurance premiums from increasing after an accident.
    • Roadside assistance: Many insurance companies offer this type of coverage to provide services such as flat tire change, battery jump, lockout services, and towing.

    Guide to Virginia Car Insurance 

    Regardless of where you live, it’s important to familiarize yourself with your state’s insurance laws. Like many states, Virginia has unique insurance laws that drivers need to know about.

    Virginia Minimum Insurance Requirements

    Like many states, Virginia requires that all drivers carry a minimum amount of liability insurance. Drivers must be able to provide proof of insurance at any time while in their vehicles. Driving without insurance could result in penalties such as suspension of your license or registration.

    Minimum liability required in the state of Virginia is divided as follows:

    • $25,000 for bodily injury/death of one person
    • $50,000 for bodily injury/death of two more persons
    • $20,000 for property damage in one accident

    Virginia’s At-Fault Law

    Virginia is an at-fault state for car insurance. This means that whichever driver in an accident is at-fault for the crash is responsible for covering any damages. Financial responsibilities could include property damage, bodily injury, and lost wages.

    Virginia Car Insurance FAQ 

    What is the minimum car insurance required in Virginia?

    The state of Virginia requires all drivers to carry minimum bodily injury and property damage liability insurance.

    What is the average auto insurance cost in Virginia?

    Virginia is the seventh cheapest state for car insurance. The average annual premium for the state’s required minimum liability is $398 while the average for full coverage is $1,136, more than $400 below the national average of $1,555 per year.

    What is the cheapest car insurance company in Virginia?

    Geico has the lowest average premium in Virginia at $491.81 for the minimum state required coverage.

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Virginia, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Virginia, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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