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-Centric Options
- 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* | 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 | $350 | $1,025 | A+ | 856 | |
| Pin USAA | $294 | $890 | A++ | 896 | |
| Pin Progressive | $364 | $945 | A+ | 834 | |
| Pin Travelers | $361 | $910 | A++ | 836 |
*Data provided by Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Mid-Atlantic region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.
Best for Customer Satisfaction
Why we chose it
Why we chose it
Pros
- Top-rated customer satisfaction
- Affordable annual premiums
- Broad standard coverages
Cons
- Disappointing digital experience
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-Centric Options
Why we chose it
Why we chose it
Pros
- Special coverages for active members of the military
- Top-rated customer satisfaction
- Excellent online support community
Cons
- Only available to military families
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
Why we chose it
Pros
- Few complaints for a provider its size
- Lots of online tools
- Many discounts available
Cons
- Below-average customer satisfaction
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
Why we chose it
Pros
- Low annual premiums
- Lots of possible discounts
- Many coverage options
Cons
- Below-average customer and claims satisfaction
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 Bankrate.com.
**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 2021 data from Bankrate.com, drivers in Virginia pay an average of $441 per year for the state’s required minimum liability coverage and $1,304 per year 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
| Company | Average Annual Full Coverage Premium* |
| Nationwide | $770 |
| USAA | $890 |
| Travelers | $910 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in Virginia
| Company | Average Annual Full Coverage Premium* |
| Electric | $3,308 |
| Kemper | $2,386 |
| Cincinnati | $1,584 |
* Data provided by Bankrate.com.
Top 3 Cheapest Cities for Car Insurance in Virginia
| City | Average Annual Full Coverage Premium* |
| Harrisonburg | $1,097 |
| Massanetta Springs | $1,100 |
| Woodstock | $1,103 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Cities for Car Insurance in Virginia
| City | Average Annual Full Coverage Premium* |
| Norfolk | $1,499 |
| Big Rock | $1,495 |
| Hurley | $1,495 |
* Data provided by Bankrate.com.
Car Insurance Add-Ons That May 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
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Virginia, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $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 bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
