Best Cheap Car Insurance in Virginia 2020

Fact-checked with

3 min read

According to the Bureau of Transportation, Virginia has hundreds miles of highway and back country roads with 5,602,765 licensed drivers. Where you live, your age and your driving record all influence the car insurance rates you’ll get so it’s to your advantage to compare quotes to get the best cheap car insurance.

When you’re exploring car insurance companies in Virginia, make sure to consider:

  • Virginia’s minimum requirements – will they meet your needs or do you need additional coverage?
  • Your lifestyle, age, how much you drive and make and model of your car
  • The reliability of the insurer

Best car insurance companies in Virginia

When it comes to insurance, the best car insurance is the one that gives you the best coverage in case of emergency. According to the J.D. Power 2019 U.S. Auto Insurance Study, Erie Insurance is the winner for overall satisfaction with a score of 852 points out of 1,000.

Insurance Company  Rating by J.D. Power 
Erie Insurance 852
Geico 845
The Hartford 842
Average rating in mid-Atlantic region 838
State Farm 834
Progressive 828

Finding the right cheap car insurance in Virginia for you

Comparing car insurance quotes is easy and can save you hundreds. Below are some of the typical insurance categories you’ll find.

Cheapest auto insurance for good drivers

Those between 35-55 with good credit and clean driving records are at an advantage when it comes to cheap car insurance. In Virginia and the mid-Atlantic region, Erie and Geico ranked well on price according to J.D. Power ratings.

Cheapest auto insurance for students

Young and inexperienced drivers (16-25-year olds) typically pay the highest rates for car insurance across the country. In Virginia, insuring a 16-year-old may run as much as $4,185/year and it could be as low as $1,200 for someone in their 20’s. Students with good grades may be eligible for discounts from some car insurance providers, and taking a driver safety course may also help reduce the rates.

Cheapest auto insurance for people with low credit

A low credit score can increase your insurance premiums. As you compare quotes from some of J.D. Power’s highest rated insurance companies like Erie and Amica Mutual, it can be worth it to speak on the phone with an agent and find out all your options.

Cheapest auto insurance for people with accidents

Accidents will drive your rates up fast but other factors (like age) can help lower them. If you’re looking for cheap insurance in Virginia and you have a history of accidents, attending a safe driving course and may help lower your premium.

Average car insurance cost in Virginia

According to the The Zebra, Virginia’s average car insurance rate is $901/year, making Virginia’s auto insurance nearly 37% less than U.S. average. Age, credit score, driving record and more will determine your car insurance rates.

Cheapest Car Insurance in Virginia Annual premium
Good Drivers (30’s – 60’s) As low as $766
Students (16-25) As much as $4,185.37
Drivers with Low Credit As much as $1,609
Drivers with Accidents As much as $1,338.83

Auto insurance discounts in Virginia

There are ways to lower your auto insurance cost with a little research. Some of those include:

  • Full Payment – Paying your insurance premium in full for the year may entitle you to a discount.
  • Good Student Driver – Those who maintain good grades may be eligible for an insurance discount.
  • Driver Training Discounts – Those under 21 can who complete driver training courses may be eligible for a discount.
  • Multi-Car or Bundling – Ask if discounts are available for insuring multiple vehicles and/or combining with home or renter’s insurance.

Other providers may offer discounts for vehicles with anti-theft devices, seat belts and other safety devices.

State minimum insurance requirements in Virginia

Virginia’s minimum insurance requirements are 25/50/20. This means the minimum insurance required is injury coverage of at least $25,000 for one person and at least $50,000 for everyone in the car. Minimum requirement for property damage requirements in Virginia is $20,000 of insurance coverage.

Frequently asked questions

What is the cheapest car insurance in Virginia?

The cheapest car insurance depends on factors that range from your age, address and driving history, but the cheapest may not be the best for you. When comparing quotes, make sure to compare sufficient coverage for your needs.

What do I need to get car insurance in Virginia?

When applying for insurance coverage, you’ll need your vehicle information, including the VIN and the make and model of the car. You’ll also need to know the home address and ZIP code for the driver and the driver’s name and age.