 ALFA : $ 341 per year |
 Geico : $ 421 per class |
 state grow : $ 434 per class |
 Cincinnati Financial : $ 437 per year |
 Travelers : $ 450 per year |
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Virginia
| City | Premium | Percent Increase |
| Harrisonburg | $721 | 0.0% |
| Winchester | $746 | 3.5% |
| Charlottesville | $805 | 11.6% |
| Roanoke | $818 | 13.4% |
| Lynchburg | $852 | 18.1% |
| Williamsburg | $886 | 22.8% |
| Leesburg | $925 | 28.2% |
| Fredericksburg | $926 | 28.4% |
| Ashburn | $934 | 29.5% |
| Suffolk | $942 | 30.6% |
| Stafford | $950 | 31.8% |
| Midlothian | $971 | 34.7% |
| Sterling | $999 | 38.5% |
| Manassas | $1,002 | 39.0% |
| Henrico | $1,013 | 40.4% |
| Chesapeake | $1,042 | 44.5% |
| Richmond | $1,050 | 45.7% |
| Newport News | $1,052 | 45.9% |
| Herndon | $1,055 | 46.3% |
| Hampton | $1,068 | 48.1% |
| Woodbridge | $1,078 | 49.5% |
| Fairfax | $1,079 | 49.7% |
| Virginia Beach | $1,083 | 50.1% |
| Portsmouth | $1,100 | 52.5% |
| Centreville | $1,102 | 52.8% |
| Arlington | $1,126 | 56.1% |
| Alexandria | $1,136 | 57.6% |
| Springfield | $1,138 | 57.8% |
| Falls Church | $1,139 | 57.9% |
| Norfolk | $1,158 | 60.6% |
Factors That Affect Car Insurance Premiums in Virginia
Although suppurate drivers pay less for car indemnity than teens, older drivers start to see their rates go up as they enter their senior years. Comparing cable car insurance rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in Virginia
6 Tips for How to Get Cheap Car Insurance in Virginia
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Virginia, regional insurers like Erie Insurance and The Hartford might have lower rates than national companies like Geico and State Farm and have comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Virginia
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose the coverage that is right for you
You need
5. Search for discounts
Top car insurance companies in Virginia have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Don’t opt out of coverage
Virginia state laws make it possible for drivers to legally skip minimum car insurance requirements by paying a $500 fee to the state, but it’s not a wise decision. Even a bare-bones policy offers more financial protection should you cause an accident, and it will probably cost less, too. Minimum coverage costs less than $400 per year in Virginia, on average.
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 in property damage liability, as well as $25,000 in uninsured motorist coverage per person, $50,000 per accident, and $20,000 uninsured motorist property damage coverage per accident, as required by Virginia’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Virginia insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap cable car insurance companies in Virginia is based on data from the Virginia DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car indemnity companies for Virginia drivers in a solicitation of key categories. For each profile, WalletHub compared quotes among top Virginia car indemnity companies by averaging premiums from 35 energy codes that represent at least 20 % of Virginia ‘s population. Military-specific companies like USAA were only considered for the military-specific class, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ south analysis, in accession to the particular subset of characteristics that make up our commodity Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Virginia indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is congressman only. individual rates will be different. Don ’ deoxythymidine monophosphate forget to include local indemnity companies in your search for bum car indemnity. In Virginia, regional insurers like Erie Insurance and The Hartford might have lower rates than national companies like Geico and State Farm and have comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for cable car insurance. But in Virginia, companies can besides consider your age, gender, credit history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You ’ ll see higher rates if you let your indemnity lapse, flush if you don ’ metric ton own a car. Virginia drivers who don ’ thymine maintain continuous coverage pay an median of 20 % more than those with five or more years of policy history.You need liability indemnity to pay for the other driver ’ second damages if you ’ re at mistake in an accident in Virginia. Collision and comprehensive examination coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, excessively. Don ’ t skimp on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car insurance than you need.Top car policy companies in Virginia have a diverseness of discounts, then about anyone can find ways to save. You may be able to get a discount if you ’ re a scholar, veteran, good driver, homeowner, uncoerced to go paperless, and more.Virginia state laws make it possible for drivers to legally skip minimal car indemnity requirements by paying a $ 500 fee to the state, but it ’ s not a judicious decision. even a bare-bones policy offers more fiscal protection should you cause an accident, and it will credibly cost less, excessively. minimum coverage costs less than $ 400 per class in Virginia, on average .