Cheapest Car Insurance In Virginia For 2026
Virginia Farm Bureau offers the cheapest car insurance in Virginia, with average annual rates of $420 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
Drivers seeking the cheapest car insurance in Virginia currently find the lowest average rates with carriers like Virginia Farm Bureau and Travelers. While the Commonwealth mandates liability limits of 30/60/20, opting for this minimum coverage yields average premiums of around $30 to $40 per month.
Securing the most affordable policy requires comparing quotes based on your specific location, from Northern Virginia to Roanoke. Factors like your age, credit-based insurance score, and vehicle type heavily influence your final rate.
Key Takeaways
Virginia Farm Bureau & Travelers provide the cheapest car insurance policies in Virginia, on average.
The average cost of car insurance in Virginia ranges between $149-$208 per month.
Discounts are a good way to reduce your car insurance premium.
What’s Changed In 2026?
- Virginia eliminated its uninsured motorist fee, meaning all registered vehicle owners must currently carry active auto insurance.
- The Commonwealth officially increased its minimum liability limits to $50,000 per person and $100,000 per accident.
- Roughly 15% of Virginia drivers are currently uninsured, which continues to put upward pressure on uninsured motorist coverage costs for everyone.
Cheapest Car Insurance Companies In Virginia, 2026
Cheapest Car Insurance In Virginia For Minimum Coverage – Virginia Farm Bureau
Minimum coverage in car insurance represents the most fundamental level of protection, aligning with the legal mandates set by the state of Virginia.
Virginia Farm Bureau offers the cheapest minimum coverage car insurance in Virginia, with average monthly premiums of $35.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $37 | $444 |
| Geico | $39 | $468 |
| Mercury Insurance | $38 | $456 |
| Travelers | $36 | $432 |
| Virginia Farm Bureau | $35 | $420 |
Cheapest Car Insurance In Virginia For Full Coverage – Virginia Farm Bureau
Full coverage car insurance encompasses a more extensive range of protection compared to minimum coverage, making it a comprehensive choice for many drivers. This type of policy typically integrates both comprehensive and collision insurance, creating a robust safety net.
Virginia Farm Bureau has the cheapest full coverage car insurance in Virginia. You can get coverage for around $120 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $145 | $1,740 |
| Mercury Insurance | $137 | $1,644 |
| Progressive | $150 | $1,800 |
| USAA | $126 | $1,512 |
| Virginia Farm Bureau | $120 | $1,440 |
Cheapest Car Insurance In Virginia For Drivers With Poor Credit – Virginia Farm Bureau
Credit score plays a pivotal role in the calculation of car insurance rates, serving as a key indicator for insurers in assessing the risk profile of a driver. The underlying premise is that individuals with lower credit scores are statistically more likely to file insurance claims.
If you have poor credit, you can find the cheapest car insurance with Virginia Farm Bureau. Premiums are around $159 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $168 | $2,016 |
| GEICO | $173 | $2,076 |
| Nationwide | $161 | $1,932 |
| Utica National | $165 | $1,980 |
| Virginia Farm Bureau | $159 | $1,908 |
Cheapest Car Insurance In Virginia For Seniors – Travelers
Car insurance for seniors in Virginia can be found at an affordable rate of $112 per month with Travelers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $129 | $1,548 |
| GEICO | $126 | $1,512 |
| Nationwide | $119 | $1,428 |
| State Farm | $132 | $1,584 |
| Travelers | $112 | $1,344 |
Seniors in Virginia have the potential to secure competitive rates for their car insurance, thanks to the various factors that work in their favor. Age can indeed be a significant factor in determining insurance premiums, with the assumption being that as drivers age, their reflexes and driving abilities might decline. However, this is not a hard and fast rule, and many seniors maintain excellent driving records well into their later years.
Cheapest Car Insurance In Virginia For Teenagers – Virginia Farm Bureau
Teenage car insurance rates in Virginia are typically the highest out of any age group, this is because teenagers have a high rate of accidents, which translates into high premiums
Virginia Farm Bureau has the cheapest rates for teens, with an average monthly premium of $201.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $203 | $2,436 |
| GEICO | $209 | $2,508 |
| Progressive | $215 | $2,580 |
| State Farm | $221 | $2,652 |
| Virginia Farm Bureau | $201 | $2,412 |
Cheapest Car Insurance In Virginia For Good Drivers – Utica National
Good drivers, characterized by their clean driving records, are typically rewarded with lower car insurance rates. Insurance companies assess risk based on a driver’s history, and those without any violations or accidents naturally fall into the low-risk category.
Utica National provides the cheapest auto insurance policy in Virginia for drivers with a clean record, at an average annual rate of $1,116.
| Provider | Average Monthly Cost | Average Annual Cost |
| Utica National | $93 | $1,116 |
| GEICO | $96 | $1,152 |
| Erie Insurance | $98 | $1,176 |
| State Farm | $100 | $1,200 |
| Travelers | $95 | $1,140 |
Cheapest Car Insurance In Virginia For Drivers With A Speeding Ticket – Erie
Erie has average premiums of $159, making it the cheapest option for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $159 | $1,908 |
| GEICO | $164 | $1,968 |
| Nationwide | $169 | $2,028 |
| Progressive | $174 | $2,088 |
| Virginia Farm Bureau | $178 | $2,136 |
Cheapest Car Insurance In Virginia For Drivers With An At-Fault Accident – Utica National
Utica National has average premiums of $175, making it the cheapest option for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $179 | $2,148 |
| GEICO | $183 | $2,196 |
| Progressive | $188 | $2,256 |
| State Farm | $192 | $2,304 |
| Utica National | $175 | $2,100 |
Cheapest Car Insurance In Virginia For Drivers After A DUI – Virginia Farm Bureau
Virginia Farm Bureau has average premiums of $48, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance Co | $102 | $1,224 |
| Mercury Insurance | $85 | $1,020 |
| State Farm | $68 | $816 |
| Travelers | $62 | $744 |
| Virginia Farm Bureau | $48 | $576 |
Average Cost Of Car Insurance In Virginia – By Age
An 18-year-old driver in Virginia can expect to pay around $4,668 per year for their insurance, while a 35-year-old driver will only pay around $2,616.
Your age plays a significant role in determining your car insurance rate. Young drivers typically pay the highest premiums, with rates dropping as you get older.
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $437 | $5,244 |
| 17 | $415 | $4,980 |
| 18 | $389 | $4,668 |
| 19 | $362 | $4,344 |
| 21 | $314 | $3,768 |
| 25 | $266 | $3,192 |
| 35 | $218 | $2,616 |
| 45 | $208 | $2,496 |
| 55 | $202 | $2,424 |
| 65 | $213 | $2,556 |
| 75 | $250 |
Average Cost Of Car Insurance In Virginia – By City
Drivers in Virginia Beach typically pay around $1,956 per year, while drivers in Roanoke may find rates around $1,752.
The city that your home is in greatly affects your car insurance premiums. Cities usually have higher risks of theft and accidents.
| City | Average Monthly Rate | Average Annual Cost |
| Alexandria | $162 | $1,944 |
| Richmond | $161 | $1,932 |
| Roanoke | $146 | $1,752 |
| Suffolk | $151 | $1,812 |
| Virginia Beach | $163 | $1,956 |
Minimum Car Insurance Requirements In Virginia
Virginia drivers must have minimum car insurance with liability coverage set at 50/100/25. The minimum amount of coverage required by law is as follows:
- $50,000 for bodily injury per person
- $100,000 in bodily injury per accident
- $25,000 for property damage per accident.
- $50,000 uninsured motorist coverage per person
- $100,000 uninsured motorist coverage per accident
Car Insurance Discounts In Virginia
While searching for car insurance, it’s wise to explore providers that offer the most beneficial discounts tailored to your circumstances. Additionally, consulting with your insurance agent can reveal potential discounts that you might not be currently utilizing.
Below is further insight into the common types of discounts provided by top car insurance companies:
- Multi-policy: Bundle two or more insurance policies with the same company.
- Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies earns you this discount.
- Military: This generally applies to both veterans and active-duty military members.
- Senior: This often applies to policyholders who are 55 or older.
- Homeowners: If you own a home, you may qualify for this discount.
- Good student: This discount is usually for college and high school students under 25 who maintain a B average in their courses.
- Good driver: You can save money by maintaining a clean driving record (with no at-fault accidents, DUI, or traffic tickets in the last three years).
- Defensive driving: Those who take a qualifying defensive driving course get a discount.
- Driver training: Get a discount by taking a driver education training course.
- New car: Drivers who purchase new cars, typically no more than three model years old, get a discount.
- Safe car: This applies if your vehicle has safety features like anti-theft technology.
- Paperless: Receive a discount by opting to receive your documents through email.
- Pay-in-full: Save on your car insurance premium by paying in full up front.
Compare Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $1,846 |
| Alaska | $1,386 |
| Arizona | $1,954 |
| Arkansas | $1,962 |
| California | $2,580 |
| Colorado | $2,172 |
| Connecticut | $1,984 |
| Delaware | $2,217 |
| Florida | $2,670 |
| Georgia | $2,056 |
| Hawaii | $1,415 |
| Idaho | $1,397 |
| Illinois | $1,782 |
| Indiana | $1,547 |
| Iowa | $1,588 |
| Kansas | $1,867 |
| Kentucky | $2,205 |
| Louisiana | $3,171 |
| Maine | $1,469 |
| Maryland | $2,025 |
| Massachusetts | $1,527 |
| Michigan | $2,335 |
| Minnesota | $1,760 |
| Mississippi | $2,011 |
| Missouri | $2,011 |
| Montana | $2,071 |
| Nebraska | $1,721 |
| Nevada | $2,353 |
| New Hampshire | $1,408 |
| New Jersey | $2,007 |
| New Mexico | $1,817 |
| New York | $2,098 |
| North Carolina | $1,502 |
| North Dakota | $1,734 |
| Ohio | $1,530 |
| Oklahoma | $2,129 |
| Oregon | $1,773 |
| Pennsylvania | $1,960 |
| Rhode Island | $2,255 |
| South Carolina | $2,007 |
| South Dakota | $2,474 |
| Tennessee | $1,692 |
| Texas | $1,990 |
| Utah | $1,864 |
| Vermont | $1,299 |
| Virginia | $1,631 |
| Washington | $1,819 |
| West Virginia | $1,853 |
| Wisconsin | $1,609 |
| Wyoming | $1,778 |
FAQs
How much is car insurance a month in Virginia?
The monthly cost of car insurance in Virginia varies widely but typically ranges from $149 to $208. Factors influencing the price include your driving record, type of coverage, and the make and model of your vehicle.
Which car insurance is better in Virginia?
The “best” insurance in Virginia depends on individual needs. Virginia Farm Bureau & Travelers are both popular for their affordability and customer service,
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Virginia.
This is an informed perspective, honed by over 15 years of personal involvement in the industry as a licensed casualty insurance agent in Virginia, countless interactions with representatives from various companies, and insights gleaned from firsthand experience buying car insurance in Virginia.
Quotes Assessed
Hours Of Research
Years Of Industry Expertise
Brands Reviews
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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