Virginia drivers still pay less than the U.S. average for auto insurance, but prices have risen in recent years. If you’re looking for the best car insurance in Virginia, consider service, claims support, coverage features, and digital tools in addition to price. Reviews.com analyzed leading insurers active in Virginia using up-to-date 2025 market data and satisfaction research to help you find strong options for your situation.
The 4 Best Auto Insurance Companies in Virginia
In our search for the best auto insurance companies in Virginia, we reviewed recent 2025 average premium data from multiple reputable sources and then evaluated each carrier’s coverages, discounts, digital tools, and the latest third-party satisfaction and claims scores. Our investigation resulted in these four companies rising to the top of the list:
- 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
We chose these four insurance companies based on our research method and the metrics we felt would be important to the largest number of readers. Everyone has a unique situation, though, and that means that the company that is best for your coverage needs may not be on this list. Always do your research and choose a carrier that you feel fits your needs.
| AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM* | AVERAGE ANNUAL FULL COVERAGE PREMIUM* | AM BEST 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** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Erie | $350 | $1,025 | A+ | 867 | |
| Pin USAA | $294 | $890 | A++ | 881** | |
| Pin Progressive | $364 | $945 | A+ | 827 | |
| Pin Travelers | $361 | $910 | A++ | 860 |
Information is current as of 2025
*Premium data referenced from Bankrate.com.
**J.D. Power 2024 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions.
Best for Customer Satisfaction
WHY WE CHOSE IT
Why we chose it
Pros
- Highest official J.D. Power customer satisfaction score in the Mid-Atlantic region
- Lower-than-average premiums
- Robust optional coverages
Cons
- Fewer digital tools than competitors
- Not available in all states
- Lower AM Best financial strength rating than some competitors
OTHER POLICIES OFFERED
- Home
- Mobile home
- Life
- Business
STANDOUT DISCOUNTS AVAILABLE
- Annual payment plan
- Reduced usage
- Safe driving
- Car safety equipment
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Low average rates
- Coverages and discounts tailored to military needs
- High third-party scores
Cons
- Only available to military members and qualifying family members
- Few local offices
- Fewer advertised discounts than some competitors
OTHER POLICIES OFFERED
- Motorcycle
- Classic car
- Aviation
- Boat
STANDOUT DISCOUNTS AVAILABLE
- Military installation
- Good student
- Loyalty
- SafePilot
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Low average rates
- Numerous discounts
- Strong digital tools
Cons
- Lower-than-average J.D. Power customer satisfaction score
- Lower-than-average J.D. Power claims satisfaction score
- Lower AM Best financial strength rating than many competitors
OTHER POLICIES OFFERED
- Golf cart
- Segway
- Homeowners
- Renters
STANDOUT DISCOUNTS AVAILABLE
- Snapshot
- Homeowner
- Online quote
- Online purchase
Best for Low Premiums
WHY WE CHOSE IT
Why we chose it
Pros
- Low average full coverage premium
- Superior AM Best financial strength score
- High J.D. Power customer satisfaction score
Cons
- Lower-than-average J.D. Power claims satisfaction score
- Ridesharing endorsement only available in Illinois and Colorado
- Higher-than-average overall NAIC complaint index
OTHER POLICIES OFFERED
- Condo
- Landlord
- Flood
- Travel
STANDOUT DISCOUNTS AVAILABLE
- Homeownership
- New car
- Continuous insurance
- Hybrid/electric vehicle
* Recent statewide averages reflect 2025 updates from Bankrate, NerdWallet and The Zebra.
**J.D. Power’s 2024 U.S. Auto Insurance Study rating for the Mid-Atlantic region. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions.
The Average Cost of Car Insurance in Virginia
Virginia has historically been among the more affordable states for auto insurance, but premiums have increased. Recent 2025 analyses place the state’s averages around $570–$630 per year for minimum coverage and roughly $1,700–$1,800 per year for full coverage. By comparison, many national studies show full coverage around $2,000–$2,500 per year.
Car insurance rates can vary depending on several factors. Drivers with clean driving records or good credit scores tend to pay less, while violations or lower credit-based insurance scores can significantly increase premiums (in most states). Age and location also play a role in Virginia. In 2025, many insurers offer telematics programs that price from actual driving behavior. 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 |
* Company averages vary by source and profile; compare current quotes — 2025 statewide averages have increased.
Top 3 Most Expensive Car Insurance Companies in Virginia
| Company | Average Annual Full Coverage Premium* |
| Electric | $3,308 |
| Kemper | $2,386 |
| Cincinnati | $1,584 |
* Company averages vary by source and profile; compare current quotes — 2025 statewide averages have increased.
Top 3 Cheapest Cities for Car Insurance in Virginia
| City | Average Annual Full Coverage Premium* |
| Roanoke | $1,200–$1,450 |
| Lynchburg | $1,200–$1,450 |
| Harrisonburg | $1,250–$1,500 |
* Ranges reflect recent 2024–2025 analyses; actual averages vary by source and driver profile.
Top 3 Most Expensive Cities for Car Insurance in Virginia
| City | Average Annual Full Coverage Premium* |
| Petersburg | $2,000–$2,400 |
| Norfolk | $1,900–$2,200 |
| Richmond | $1,900–$2,200 |
* Ranges reflect recent 2024–2025 analyses; actual averages vary by source and driver profile.
Key Things to Know About Car Insurance in Virginia
Regardless of where you live, it’s important to familiarize yourself with your state’s insurance laws and common causes of damage. Understanding these factors could help you better choose the right coverage.
Virginia Car Insurance Requirements
As of 2025, Virginia requires drivers to maintain at least the statutory minimum liability coverage and to provide proof of insurance upon request. Operating an uninsured vehicle can lead to registration or plate suspension, reinstatement fees and other penalties.
Virginia’s minimum liability limits increased again on January 1, 2025. The current minimum limits are:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Virginia’s prior $500 Uninsured Motor Vehicle fee option was eliminated on July 1, 2024. You must maintain insurance (or otherwise meet financial responsibility requirements) to title/register and drive legally. Skipping coverage means paying out of pocket for injuries and damages you cause to others, and crash costs can add up fast.
Car Insurance Coverage Options
State minimum coverage is all you need to drive legally, but if you have a loan or lease on your vehicle, you’ll also have to carry comprehensive and collision coverage, often referred to as a “full coverage” policy. In addition to full coverage, there are some truly optional coverages you may want to consider:
- Gap insurance: Many insurance companies offer this coverage for newer vehicles, which is designed to cover the difference between your car’s actual cash value and the amount you owe on your auto loan.
- Uninsured & underinsured motorist: These coverages protect you from financial losses if you’re in an accident where the at-fault driver doesn’t have insurance or doesn’t have enough insurance to pay for your damages. For policies issued or renewed on or after July 1, 2023 in Virginia, underinsured motorist coverage is treated as add‑on (paid without set‑off), increasing available benefits.
- Accident forgiveness: This optional coverage prevents your insurance premiums from increasing after an accident. However, rate hikes are only prevented with your current insurer and are limited to “forgiving” one accident over a certain period.
- Roadside assistance: Many insurance companies offer this coverage to pay for services such as flat tire change, battery jump, lockout services, and towing.
Frequently Asked Questions
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, incorporating 2025 statewide pricing research and the latest industry studies.
As for average pricing, we referenced recent 2025 analyses of car insurance in Virginia (including Bankrate’s state study), and considered how different sources construct their driver profiles and methodologies.
- $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.
