Best car insurance companies in Virginia

Fact-checked with HomeInsurance.com

Article Highlights

For drivers looking for the best car insurance in Virginia, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Virginia and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Virginia.

The average Virginia driver pays $1,145 per year for insurance, which breaks down to about $95 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Virginia and may not reflect your actual premium quote.

Virginia quickfacts

  • Cheapest carrier for full coverage in Virginia is Progressive: $911
  • Cheapest carrier for minimum coverage in Virginia is Progressive: $345
  • Carrier with highest customer satisfaction in Virginia: USAA
  • Number of uninsured drivers in Virginia: 9.9%
  • Virginia is on the lower end for car insurance rates

Average cost of car insurance in Virginia

Clean record1 speeding ticket1 accident
Full coverage$1,136 $1,356 $1,356
Minimum coverage$398 $476 $476

Quadrant data services, 2020

Best car insurance companies in Virginia

Average annual premiums by insurance carrier

CompanyFull coverage rateMinimum coverage rate
Allstate $1,403 $410
GEICO $1,347 $398
Progressive $911 $345
Travelers $1,097 $386
State Farm $1,208 $456
USAA $1,105 $412
Erie $973 $348
Virginia Farm Bureau $1,004 $365

Quadrant data services, 2020

Car insurance rates in Virginia by city

CityFull coverage annual rateMinimum coverage annual rate
Virginia Beach $1,160 $438
Norfolk $1,297 $469
Chesapeake $1,157 $430
Richmond $1,208 $435
Newport News $1,164 $430

Quadrant data services, 2020

Methodology

Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

  • $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 5 days a week and driving 12,000 miles per year.

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