Best Car Insurance In Virginia
State Farm is considered the best option for comprehensive auto insurance in Virginia.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for basic car insurance, full coverage for your car, or family-friendly plans? We’ve reviewed the best car insurance providers in Virginia. State Farm is the best overall, known for its affordability, flexibility, and customer satisfaction.
GEICO is great for budget minimum coverage, and Travelers offers excellent full coverage options with accident forgiveness. After 15 years in the industry, with five years based in Virginia, I’ve created this guide to help you make informed decisions.
Best Car Insurance Companies In Virginia, 2026
Compare The Best Car Insurance In Virginia
| Overall Rating | Best For | A.M Best Rating | J.D Power Rating | Local Sales Agent Presence | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
| Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
| Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
| Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
| Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
| AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
| GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
| Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
| State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Virginia 2026
Best Overall
Key Statistics
Why We Like Them
⇅As a trusted car insurance provider in Virginia, State Farm offers an excellent balance of affordability and protection. Their policies include discounts for safe drivers, multiple vehicles, and safety features, ensuring value for money. Consistently high satisfaction ratings and helpful local agents make their service reliable and reassuring for policyholders.
Benefits & Drawbacks
⇅- Value-driven pricing
- Numerous options for coverage
- Unparalleled client satisfaction ✓
- It's not the most wallet-friendly choice.
- Sparse digital solutions
- Costs elevate after insurance claims. ✘
Best For Minimum Coverage
Key Statistics
Why We Like Them
⇅GEICO is a standout choice for minimum coverage car insurance in Virginia, offering drivers some of the most competitive prices in the industry. Its convenient online and mobile tools make managing insurance simple and stress-free, making GEICO a trusted option for affordable and straightforward coverage.
Benefits & Drawbacks
⇅- Affordable policy prices
- Fast and efficient web services
- Accelerated claim handling ✓
- Primary safeguard options
- Aloof customer relations
- No local agency services are offered. ✘
Best For Full Coverage
Key Statistics
Why We Like Them
⇅For Virginia drivers seeking full coverage, Travelers is a standout choice. Their comprehensive policies include collision and theft protection, as well as value-added extras like accident forgiveness and gap coverage. These features are ideal in a state with high vehicle repair costs. Backed by financial strength and proactive customer service, Travelers offers reliable protection and peace of mind.
Benefits & Drawbacks
⇅- Inclusive coverage selections
- We have accident forgiveness programs.
- Upgrade to a current model car ✓
- Elevated policy premiums
- Multifaceted policy solutions
- Protracted claim resolution ✘
Best For New Cars
Key Statistics
Why We Like Them
⇅Chubb is the go-to insurer for new car owners in Virginia, offering policies specifically designed for high-value vehicles. Their agreed value coverage guarantees full compensation without depreciation for total losses, a critical feature for new car owners. The insurer also provides high rental reimbursement, key replacement coverage, and repair shop flexibility to ensure cars remain in excellent condition. Coupled with exceptional service and straightforward claims handling, Chubb is the perfect choice for new vehicle insurance.
Benefits & Drawbacks
⇅- Pre-determined value insurance coverage
- Outstanding claims assistance
- Elite policy attributes ✓
- Top-dollar pricing
- There could be an excess amount of coverage.
- Decreased discount offers ✘
Best For Seniors
Key Statistics
Why We Like Them
⇅Allstate’s policies are tailored for seniors in Virginia, making them the top car insurance choice for older drivers. They offer senior discounts, accident forgiveness, and rewards for safe driving. Accessible online tools and strong customer support ensure seniors can manage their insurance with ease and confidence.
Benefits & Drawbacks
⇅- Custom discounts for the senior demographic
- We allow for accident forgiveness
- Comprehensive mobile software ✓
- Elevated premium rates
- Shifting standards in customer assistance
- Policy choices frequently require navigating complexity. ✘
Best For Driving Violations
Key Statistics
Why We Like Them
⇅AAA offers specialized car insurance for Virginia drivers with a history of violations. With accident forgiveness and discounts for defensive driving courses, AAA helps drivers maintain affordable rates and improve their records through proactive safety measures.
Benefits & Drawbacks
⇅- Mercy for initial collision
- Price Breaks for Defensive Drivers
- Personalized coverage plans for those with a higher likelihood of accidents. ✓
- Elevated costs for breaking rules
- Meager selection of insurance options
- Entry limited to members. ✘
Best For Families With Teens
Key Statistics
Why We Like Them
⇅For Virginia families with teens, Farmers Insurance delivers affordable car insurance solutions. Programs like good student rewards and safe driver training make coverage manageable and promote responsible driving behavior.
Benefits & Drawbacks
⇅- Discounts for students who perform well in school
- Personalized policy options
- Teen-focused learning resources ✓
- Risk of rising insurance premiums
- Shifting standards in customer assistance
- Involved policy architectures ✘
Best For Customer Service
Key Statistics
Why We Like Them
⇅Recognized for superior customer care, State Farm provides Virginia drivers with expert support through its extensive network of agents. Their efficient claims process and focus on personalized service set them apart in the industry.
Benefits & Drawbacks
⇅- Reasonable pricing
- Extensive selection of coverage plans
- First-rate customer care ✓
- Not the most budget-friendly.
- Modest digital amenities
- Costs surge after filing a claim. ✘
Best For Young Adults
Key Statistics
Why We Like Them
⇅For young drivers in Virginia, Amica offers competitively priced car insurance with tailored discounts. Their focus on affordability, including rewards for good students and safe drivers, makes them a top pick for young adults.
Benefits & Drawbacks
⇅- Budget-conscious pricing for young adults.
- Unparalleled customer treatment
- Timely claims resolution ✓
- Few places in the real world
- A smaller range of high-risk coverage options.
- Discounts are not determined by usage. ✘
Best For Budget Option
Key Statistics
Why We Like Them
⇅Virginians seeking cost-effective car insurance should consider Wawanesa. Its low rates and efficient claims process provide essential coverage at a budget-friendly price.
Benefits & Drawbacks
⇅- Budget-friendly pricing
- Solid customer approval
- Effortless claims resolution ✓
- Meager insurance options
- A smaller selection of discounts is available.
- Constraints related to regional access ✘
Minimum Car Insurance Requirements In Virginia
The minimum insurance coverage in Virginia includes $30,000 for bodily injury per person, $60,000 per accident, and $20,000 for property damage, ensuring drivers meet basic financial responsibilities.
How To Find The Best Car Insurance
Getting the ideal car insurance policy in Virginia involves tailoring your options to your unique situation. Start by confirming your state’s required liability limits, but think about whether those limits are sufficient for your financial protection. If you lease or finance your car, your lender might require additional types of coverage, such as collision or comprehensive insurance.
Evaluate your risk level, driving habits, and car’s value to decide what’s best for you. It may also be a good idea to consider extra options like uninsured motorist coverage, especially if you live in a high-risk region. By gathering quotes from various providers, you can find affordable coverage that meets your needs.
How To Buy Car Insurance In Virginia
Utilize these five steps to choose the best car insurance in Virginia suited to your requirements.
Assess Your Coverage Needs
Think about your car’s value, driving habits, and budget to determine your ideal coverage. Decide whether to stick with basic liability or include collision and comprehensive insurance for broader protection
Research Potential Insurers
Explore various auto insurance companies operating in Virginia, assessing their customer service, claims processing, and financial security. Utilize online reviews, ratings from independent evaluators such as J.D. Power, and feedback from current and former customers to evaluate each insurer’s reliability.
Gather Necessary Information
Make sure you have essential details such as your driver’s license number, vehicle registration, driving history, and any relevant documents ready before requesting quotes. This preparation will make the quoting process smoother and ensure accurate pricing.
Compare Quotes
Check Insuranceopedia for quotes from several insurers to compare their prices and coverage options.
Purchase the Policy
Once you’ve picked the insurer with the best coverage for the best rate, go ahead and purchase the policy. Most insurers today allow you to do this online or over the phone, making it easy to get coverage immediately. After buying, be sure to print your insurance cards and any other important documents.
Average Cost Of Car Insurance In Virginia
According to data from Quadrant Information Services, the typical cost for full car insurance coverage in Virginia is $174 per month or $2,089 per year. Nationally, the average cost is $205 monthly or $2,460 annually.
| COMPANY | FULL COVERAGE |
| GEICO | $1,384 |
| Auto-Owners | $1,407 |
| State Farm | $1,481 |
| Travelers | $1,172 |
| Erie Insurance | $1,290 |
Average Car Insurance Rates In Virginia – By City
| City | Average Premium |
| Roanoke | $1,200 |
| Broadway | $1,247 |
| Port Republic | $1,254 |
| Dayton | $1,208 |
| Blacksburg | $1,227 |
| Fort Belvoir | $1,648 |
| Callands | $1,646 |
| Virginia Beach | $1,560 |
| Alexandria | $1,728 |
| Cumberland | $1,672 |
Average Car Insurance Rates In Virginia – By Age
| Age | Average full coverage rate | Average minimum coverage rate |
|
16
|
$444
|
$5,324
|
|
18
|
$592
|
$7,098
|
|
20
|
$442
|
$5,304
|
|
25
|
$234
|
$2,803
|
|
30
|
$195
|
$2,327
|
|
40
|
$178
|
$2,137
|
|
50
|
$163
|
$1,956
|
|
60
|
$159
|
$1,908
|
|
70
|
$176
|
$3,012
|
Our Methodology
To deliver accurate and reliable insurance company ratings, we employ a detailed methodology. We review numerous insurers, leveraging insights from multiple established review sites. Critical metrics from trusted industry leaders like A.M. Best and J.D. Power also guide our assessments. With 15 years of experience as an insurance agent, including extensive work in Virginia, I contribute firsthand expertise to enhance our analysis. This rigorous approach, incorporating data from reputable review sources, ensures our ratings are informative, empowering your insurance decision-making.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who is the most trusted car insurance company?
Our research reveals that State Farm and Wawanesa are highly esteemed as car insurance providers in Virginia.
How much car insurance do I need?
How much car insurance you require is influenced by factors including Virginia’s minimum requirements, your vehicle’s value, and your financial status. Evaluate liability, collision, and comprehensive coverage for sufficient protection.
Why is car insurance so expensive?
The price of car insurance may be high due to factors like the extent of coverage, your driving record, the vehicle model, your location, and external influences such as inflation and rising repair expenses.
About Bob Phillips
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