Best Car Insurance For Teens In Virginia 2025

When it comes to finding the best car insurance for teens in Virginia, Erie stands out as the top choice.

In this article, we’ll compare the top-rated insurance companies for teen drivers in Virginia, helping you find the best coverage at an affordable price. Without the right insurance, teens face the risk of higher premiums and inadequate protection.

Best Car Insurance For Teenagers In Virginia

To find the best car insurance companies for teenagers, we looked beyond price, as it is far from the only factor that matters when selecting a good insurer. We looked at teen safe driving programs, available discounts, and coverage options.

Erie and GEICO are two of the best insurance companies for teens in Virginia, with average annual premiums of $3,228 and $4,320.

Cheapest Teen Car Insurance Companies In Virginia

Farm Bureau is the cheapest car insurance company for teenage drivers in Virginia, with an average annual premium of $3,156.

Average Cost Of Car Insurance For Teens On Their Parents’ Policy

Remaining on your parents’ insurance policy can be a great way to bring down your teen’s car insurance premium.

Here are the average annual premiums for teens who remain on their parents’ policy, on full coverage policies.

Average Cost Of Car Insurance For Teens On Their Own Policy

Teenagers under the age of 18 usually can’t get their own auto insurance policy. While it’s generally cheaper for teens to remain on their parents’ policy, teenagers who live at a different address from their parents may need to purchase their own policy.

Here are the average annual full-coverage rates for teens on their own policies in Virginia.

How To Get Cheap Car Insurance For Teens In Virginia

Finding affordable car insurance for teenage drivers in Virginia can be challenging, but there are several strategies families can use to reduce costs while keeping coverage strong.

Shop Around For Quotes

Compare rates from multiple insurers. Companies such as State Farm and USAA often provide competitive options for young drivers in Virginia.

Add To An Existing Policy

Including your teen on a family policy is usually more affordable than purchasing a separate plan.

Bundle Policies

Combine auto insurance with homeowners or renters coverage to unlock multi-policy discounts that lower premiums.

Assess Driving Habits

Evaluate how often and how far your teen drives. Low-mileage drivers may benefit from usage-based programs such as GEICO’s DriveEasy or Allstate’s Milewise®.

Ask About Discounts

Look into available savings, including good student discounts, safe driving rewards, and accident-free incentives.

Choose A Higher Deductible

Opting for a higher deductible can reduce monthly premiums, but make sure the amount is manageable if a claim arises.

Consider Usage-Based Insurance

Pay-per-mile and telematics programs are excellent for teens who drive infrequently, offering savings tied directly to safe driving behavior.

Enroll In A Safe Driving Course

Defensive driving classes improve skills and may qualify teens for reduced insurance rates.

Review And Update Regularly

As your teen gains experience, revisit the policy. Improved driving records and milestones may qualify them for additional discounts over time.

Why Is Car Insurance So Expensive For Teens?

Teenagers often pay significantly higher car insurance premiums because insurers view them as a high-risk group. Limited driving experience, higher accident rates, and costly claims all contribute to the elevated costs.

Lack Of Experience

New drivers have not yet developed the skills needed to handle complex road situations. This inexperience makes them more prone to mistakes that can lead to accidents.

Higher Accident Rates

Statistics show that teens, especially young males, are involved in more crashes than older drivers. Risky behaviors such as speeding, distracted driving, and failing to wear seat belts increase the likelihood of accidents.

Greater Severity Of Accidents

When teens are involved in collisions, the damage is often more severe. Inexperience in handling dangerous scenarios can result in higher claim costs.

Immaturity And Risky Decisions

Teen drivers are still developing judgment and decision-making skills. Poor choices, such as texting while driving or taking unnecessary risks, raise the chances of accidents.

Expensive Claims

Repairing modern vehicles and covering medical expenses after an accident can be costly. Since teens are statistically more likely to file claims, insurers offset this risk with higher premiums.

Limited Credit History

Insurance companies often factor in credit history when setting rates. Teens typically have little or no credit record, which prevents them from qualifying for lower premiums tied to strong credit scores.

How Can I Add A Teen To My Car Insurance Policy?

Adding a teen driver to your car insurance policy is a key step in protecting your family and managing costs. Here’s a structured approach to make the process smooth and cost-effective:

1. Notify Your Insurance Company

• Contact your insurer once your teen receives a learner’s permit or driver’s license.
• Provide details such as their license number, date of birth, and any driving history. Some insurers require immediate notification, while others allow you to wait until they’re fully licensed.

2. Review Coverage Options

• Check your current policy to see what’s covered and whether adjustments are needed.
• Consider higher liability limits or adding collision/comprehensive coverage if your teen will drive a newer or more valuable car.
• Ask if your insurer offers special coverage for young drivers.

3. Ask About Discounts

• Good student discounts for maintaining a B average or higher.
• Driver’s education discounts for completing certified courses.
• Safe driving discounts for maintaining a clean record.
• Bundling discounts if you combine auto with homeowners or renters insurance.

4. Evaluate Premium Impact

• Request a quote to see how much your premium will increase.
• Compare insurers to ensure you’re getting the best deal.
• Adjust deductibles if needed—raising them lowers premiums but increases out-of-pocket costs.

5. Formalize The Addition

• Once you’ve chosen coverage and applied discounts, officially add your teen to the policy.
• Your insurer will update documents to reflect the new driver.

6. Educate Your Teen On Safe Driving

• Stress the importance of safe driving habits to keep costs down.
• Consider enrolling them in a defensive driving course for added savings and skill-building.

7. Review The Policy Regularly

• Conduct an annual review as your teen gains experience.
• Look for new discounts or adjust coverage as their driving habits change.

Car Insurance Discounts For Teens

Teen drivers in Virginia often face higher insurance premiums, but many companies provide discounts that can significantly reduce costs. Below are some of the most common savings opportunities available for young drivers.

• Good Student Discount. Insurers frequently reward academic performance. Teens who maintain at least a B average or a 3.0 GPA can qualify for reduced rates, as companies view strong students as more responsible behind the wheel.
• Safe Driver Programs. Special programs such as State Farm’s Steer Clear® or GEICO’s DriveEasy encourage safe driving habits. These initiatives often involve monitored driving through apps or courses, rewarding teens who consistently demonstrate caution on the road.
• Bundling Discount. Families can save by combining policies. Adding a teen driver to an existing auto plan or bundling car insurance with homeowners or renters insurance often results in multi-policy discounts.
• Driver’s Education Discount. Completing a certified driver’s education course not only teaches safe driving practices but also helps teens qualify for lower premiums. Insurers recognize that trained drivers are less likely to be involved in accidents.
• Accident-Free Discount. Teens who maintain a clean record without accidents over a set period may earn an accident-free discount. This reward grows more valuable the longer the safe streak continues.
• Student Away at School Discount. If a teenager attends college more than 100 miles from home and doesn’t regularly drive, insurers may reduce premiums since the car is used less frequently.
• Usage-Based Insurance Programs. Programs like Progressive’s Snapshot® and Allstate’s Drivewise® track driving behavior through devices or apps. Teens who consistently drive safely can earn discounts based on their performance.
• Safe Driving Discount. Maintaining a spotless driving record with no violations or claims can qualify teens for a safe driving discount. This is one of the most straightforward ways to lower costs.
• Low Mileage Discount. Teens who drive infrequently, such as only commuting to school or work, may qualify for a low mileage discount. Less time on the road means lower risk for insurers.
• Early Signing Discount. Some companies offer savings if families renew or sign up for a policy before the current one expires. Planning ahead can lead to reduced rates.
• Good Driver Discount. Young drivers who have held a license for several years without violations may qualify for a good driver discount. This reward recognizes consistent safe driving habits.

Compare Teen Car Insurance Costs To Other States