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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s column team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow nonindulgent guidelines to ensure that our column content is not influenced by advertisers. Our column team receives no address compensation from advertisers, and our contented is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a follow-up, you can trust that you ’ re getting credible and dependable data. We value your hope. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in invest to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive mastermind compensation from our advertisers. Bankrate follows a rigorous column policy, so you can trust that we ’ ra putting your interests first. Our award-winning editors and reporters create honest and accurate contented to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — sol you can feel convinced about which provider is good for you. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ ra putting your interests beginning. All of our contentedness is authored by highly qualified professionals and reviewed by subject topic experts, who ensure everything we publish is objective, accurate and worthy of your confidence. Founded in 1976, Bankrate has a long track criminal record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making summons and giving people confidence in which actions to take future. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Based on Bankrate ’ s extensive research, State Farm, Geico and Travelers are the best car indemnity companies in Virginia, followed by Erie and Nationwide. Virginia drivers pay an average cost of car insurance of $1,304 per year for full coverage, according to Bankrate’s 2022 study of quoted annual premiums. But price isn ’ t the only crucial consideration when buying car policy. When searching for car policy, Virginia drivers may want to research several companies. Bankrate used Quadrant Information Services to obtain up-to-date agio information from companies in Old Dominion. Our editorial team reviewed and analyzed this data, along with each companies ’ J.D. Power scores, AM Best and Standard & Poor ’ sulfur ( S & P ) fiscal strength scores, available coverage types, rebate offerings and claims satisfaction scores to determine the best policy companies in Virginia .

Best car insurance companies in Virginia

not all insurance companies may suit your specific needs when it comes to car insurance. To find the best companies in Virginia, Bankrate reviewed multiple aspects of each company, including average premiums, coverage options, discounts and third-party ratings, including J.D. Power ’ s customer satisfaction ratings for the middle atlantic region. Our proprietary Bankrate Score is based on our methodology, which analyzes industry average rates from Quadrant Information Services and third-party agency ratings. Each party was assigned a Bankrate Score on a scale of 0.0 to 5.0. The higher the score, the more highly that ship’s company ranked in each class. Our policy editorial team then conducted a qualitative analysis, comparing each company ’ randomness rates and scores against critical factors like customer satisfaction, fiscal forte and policy resources. Based on our analysis, these peak five carriers offer the best car indemnity in Virginia :

Car insurance company Bankrate Score Average annual premium for full coverage J.D. Power score
(Mid-Atlantic region)
State Farm 4.7 $993 851/1,000
Geico 4.7 $1,227 835/1,000
Travelers 4.7 $910 836/1,000
Erie 4.6 $1,025 856/1,000
Nationwide 4.3 $770 823/1,000


Travelers comes in precisely below the diligence average for customer gratification, but it hush receives a high gear Bankrate score based on its multifaceted coverage. The carrier offers respective endorsements that allow you to tailor your car policy to your particular needs, including ridesharing coverage, opening policy and new car replacement coverage. Travelers besides offers numerous other policy products, including home, umbrella and boat insurance. Bundling all your policies with Travelers might earn you a discount. In addition to a multi-policy deduction, you may be able to save by owning a home, even if you do not insure it with Travelers. You may besides qualify for a discount rate if you own a newly car, an electric cable car or a hybrid car. Learn more: Travelers Insurance review

State Farm

country farm is the largest insurance company of individual passenger car policies in the U.S.. For Virginia drivers, the company offers an average broad coverage bounty that is well below department of state average, a well as discounts that may lower your premium even more. If you like having all your fiscal products in one station, State Farm may be a good option with bank and investment products, vitamin a good as health, life and property insurance. The company besides earns the highest Bankrate Score and specializes in having local anesthetic agents who may be more familiar with the needs of Virginia drivers than an on-line representative. however, State Farm doesn ’ metric ton have as many optional coverage choices as some of its competitors. Learn more: State Farm Insurance review


If budget is your primary concern, Geico may be a effective company for you. Although its full coverage agio is the highest on our list, Geico is known for offering a host of discounts to help policyholders. You may be able to save by being a safe driver, a federal employee or a military military service extremity. Geico besides has an extensive customer portal site on its web site and a user-friendly mobile app. You can file a claim, call for wayside aid and pay your bill without ever needing to talk to a congressman. Geico trails behind the regional industry average for J.D. Power middle atlantic ratings, but inactive ranks well higher than other providers.

Learn more: Geico Insurance review


With coverage in just 12 states, Erie is considered a regional policy caller. If you are looking for a company with local anesthetic agents, Erie may be a good place to start your search. Although its premiums are already lower than Virginia ’ sulfur average, Erie offers several discounts to help you save even more. One attractive feature of speech is the accident forgiveness option, which forgives one accident to protect policyholders premiums from increasing. You may besides earn a deductible reduction of $ 100 for every year you do not file a claim. Erie has the second-highest ranking for customer satisfaction in the middle atlantic region and outscores other popular providers in our Bankrate Scoring model. however, Erie ’ south average annual premium international relations and security network ’ t the lowest, so it might not be a commodity option for drivers looking for the cheapest company. Learn more: Erie Insurance review


countrywide offers the lowest full moon coverage premium on our list and may be a good choice if you are on a budget. The company offers criterion car indemnity coverage with a few options for customization, including wayside aid and gap indemnity. Discounts are besides available to those who qualify. however, Nationwide receives a below-industry-average score from J.D Power, the lowest customer satisfaction score on our list. Learn more: Nationwide Insurance review

Average cost of car insurance cost in Virginia

When it comes to car policy, Virginia drivers pay quite a moment less than the national average for both minimum coverage and full coverage .

Average annual premium for minimum coverage in Virginia Average annual premium for full coverage in Virginia
$441 $1,304

The national average monetary value of cable car indemnity in the U.S. is $ 1,674 per year for full moon coverage and $ 565 for minimum coverage. Virginia ’ south average premiums are significantly cheaper, with an annual rate of $ 1,304 for full coverage and $ 441 for minimal coverage. however, your price will probably be different. car insurance prices are determined by a number of factors, such as age, gender, marital status, type of vehicle, drive commemorate, credit history and placement. These rate factors, combined with a party ’ mho proprietorship rat algorithm, create your personalize rate with that company .

How to find the best car insurance in Virginia

The best car insurance for one driver is not constantly the best for another, even there are some crucial tips and tricks for finding the best car insurance for you. Car policy rates and coverage can be very personalize. What works best for you will depend on your situation. It ’ south full of life to consider how bad of a driver you are, adenine well as being matter-of-fact about how a lot you can spend on premiums. Below are further guidelines for evaluating what might be the best virginia car indemnity for you .

Consider minimum insurance requirements in Virginia

Before deciding how a lot coverage you might want or need, it ’ south vital to know how much the country requires. Virginia laws require all drivers to maintain bodily injury liability and property price indebtedness unless fomite owners pay a $ 500 uninsured motorist fee to drive without policy for a year. specific limits and requirements can be found on the Virginia DMV web site. The state of matter minimum requirements coverage limits have increased in Virginia this class .

Consider lender requirements

If you are paying off a car loan, then the odds are you ’ rhenium required to carry more robust coverage. Lenders much require full coverage on finance and lease vehicles. Depending on how erstwhile the model is, there can be a significant difference in the amount owed on a vehicle and its actual cash value. Gap policy can help cover the difference caused by a vehicle ’ south depreciation, filling in the gap between what it ’ s worth and what is owed .

Consider your individual needs

life sentence circumstances can change, and some of these changes can benefit from alterations in coverage. Whether you ’ re adding a adolescent driver to your policy, dealing with rate hikes from a slate or looking for ways to lower your premiums, there are many nuances to consider when it comes to your coverage. Suppose your rates are going up from a major accident or multiple tickets. In those cases, you may want to consider finding an insurance company specializing in bad drivers. If adding a adolescent to your policy, consider finding an insurance company that offers a good student discount or a usage-based telematics course of study, as these can help offset the higher monetary value of newer drivers .

Car insurance discounts in Virginia

Depending on your insurance company, there are numerous types of car policy discounts to consider. In general, the more of these you can qualify for, the more you can save on premiums. however, not all drivers will be eligible for all discounts, and eligibility requirements and discounts offered can vary between insurers .

  • Young driver discounts: Discounts designed for young drivers, often teenagers or college students, are offered good student discounts, distant student discounts and drivers training discounts.
  • Safe driver discounts: Insurers often offer discounts tailored to drivers that have demonstrated safe driving patterns and habits. These discounts can be in the form of a telematics discount, where driving behaviors are monitored through an app and plug-in device to earn a discount, claims-free discount or for having specialized safety features on your vehicle.
  • Other discounts: Many insurers offer other forms of discounts, such as low-mileage, multi-car, policy building, paperless billing and paid-in-full discounts to help reduce insurance costs.

Frequently asked questions

What is the cheapest car insurance company in Virginia?

The cheapest cable car insurance company will be different for everyone. Auto insurance premiums in Virginia depend on factors like your historic period, address and driving history. If you are shopping for car policy in Virginia, it may be helpful to foremost identify your unique needs and then get quotes from several companies to compare them .

How much car insurance do I need?

While Virginia car insurance laws don ’ t necessitate car indemnity for all drivers, the amount of car indemnity you purchase if you decide to add extra fiscal security is an important circumstance. When determining how a lot coverage to buy, considering the total value of your vehicle so you know what costs you would be facing should you experience a total loss may be an significant step. Before you purchase your policy, you can ask your insurance supplier about any extra coverage that may best benefit your needs .

What do I need to get car insurance in Virginia?

When applying for indemnity, you will need your fomite information, including the vehicle identification number ( VIN ) and the make and model of the car. You will besides need the date of give birth and driver ’ s license number for every driver. If you have current car insurance, having your declaration page available to reference can be helpful, as it should have this information on it .

Do I need full coverage car insurance in Virginia?

If you are financing your vehicle, your lender will credibly require you to have broad coverage. Virginia ’ s minimal required liability indemnity does not protect your fomite if it is damaged or totaled. even if you do not have a loanword or lease on your vehicle, you may want to consider full coverage car insurance indeed that you have the fiscal protection for damages to your vehicle. Talking to a license indemnity agent may help you determine if full coverage is right for you .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a uninfected drive record, good credit and the surveil full coverage limits :

  • $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 minimal coverage that meets each state of matter ’ south requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles per annum. These are sample rates and should entirely be used for relative purposes .

Bankrate Scores

Bankrate Scores chiefly reflect a weighted rank of industry standard ratings for fiscal potency ( AM Best, S & P, Moody ’ mho ) and customer experience ( J.D. Power, NAIC ), in addition to average quote rates from Quadrant Information Services. The J.D. Power studies use include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team ’ s across-the-board research and psychoanalysis provided a secondary assessment of each insurance company ’ mho on-line and mobile resources and policy management options, which besides contributed to overall ratings .

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