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Best car insurance in Virginia for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Virginia
We know that the best auto insurance in Virginia may be different for each driver. To find the best companies in Virginia, Bankrate reviewed multiple aspects of each company, including average premiums, coverage options, discounts and JD Power’s 2024 U.S. Auto Insurance Study customer satisfaction scores for the Mid-Atlantic region. Each company was assigned a Bankrate Score on a scale of 0.0 to 5.0. The higher the score, the higher that company ranked in each category we considered.
Based on our analysis, utilizing data from Quadrant Information Services, the top five carriers offering auto insurance in Virginia include Geico, Progressive, State Farm, Travelers and Nationwide. The table below includes each carrier's Bankrate Score as well as average full and minimum coverage premiums for Virginia drivers. For comparison, Virginia’s state auto insurance average is $2,084 per year for full coverage and $708 for minimum coverage.
|
|
|
|
---|---|---|---|
4.4
|
$1,618
|
$493
|
|
4.4
|
$2,045
|
$638
|
|
4.3
|
$2,441
|
$695
|
|
4.2
|
$1,198
|
$408
|
|
4.0
|
$1,062
|
$719
|
Geico
Best for digital policy management
4.4
4.4
Avg. full coverage premium
$135/mo
Avg. full coverage premium
$1,618/yr
Customer satisfaction
647/1,000
-
Why Geico made our list: Geico is the third-largest U.S. auto insurer and stood out for its digital tools, which allow for easy claims filing, policy management and customer support access through the carrier's app or website. Geico received 2024 Bankrate Awards for Best Budget Auto Insurance Company, Best for Young Drivers and tied for Best Auto Insurance Company Overall. Although Geico received a JD Power customer satisfaction rating that is slightly below the regional average, it carries the highest possible financial strength rating from AM Best. Plus, Geico customers may enjoy lower premiums on average compared to other insurers in Virginia. Policyholders may see even lower rates with potential discounts for safe driving, being a federal employee, military service and more.
Progressive
Best for high-risk drivers
4.4
4.4
Avg. full coverage premium
$170/mo
Avg. full coverage premium
$2,045/yr
Customer satisfaction
624/1,000
-
Why Progressive made our list: While some insurers won’t offer any coverage to people with certain infractions, including DUIs, Progressive still often writes policies to many of these types of drivers (although there is no guarantee; the only way to know is to request a quote). It will also usually provide SR-22 filings. Additionally, Progressive still offers policies for purchase through independent agents, which can be helpful for drivers who prefer an agent to walk them through the insurance process. If you prefer to handle your insurance on your own, however, you can still get a policy online or over the phone with Progressive. The company also offers a decent list of endorsements, including rideshare coverage and lease payoff.
State Farm
Best for local agents
4.3
4.3
Avg. full coverage premium
$203/mo
Avg. full coverage premium
$2,441/yr
Customer satisfaction
652/1,000
-
Why State Farm made our list: State Farm has more than 100 agency locations in Virginia, so it could be a choice worth considering for people in VA who like to buy insurance face-to-face. It also has two safe driving programs and a long list of potential discounts. You may be able to save money with the good driver discount, by taking a defensive driving course or by purchasing your home insurance with State Farm, for starters. Consider talking to a State Farm agent to see which of its discounts might apply to you.
Travelers
Best for optional add-ons
4.2
4.2
Avg. full coverage premium
$100/mo
Avg. full coverage premium
$1,198/yr
Customer satisfaction
628/1,000
-
Why Travelers made our list: Travelers has a wide variety of endorsement options for auto insurance including gap insurance, new car replacement and roadside assistance. Thanks to a variety of available discounts, you may be able to save on your Travelers premium by bundling your policies, owning a home, or buying a new car, an electric car or a hybrid vehicle. Travelers also has a safe driver discount in Virginia, which might help you lower your premium over time.
Nationwide
Best for budget-friendly options
4
4
Avg. full coverage premium
$89/mo
Avg. full coverage premium
$1,062/yr
Customer satisfaction
642/1,000
-
Why Nationwide made our list: Nationwide tends to offer some of the most reasonable average rates on full coverage for Virginia drivers among those we studied, and it has a solid rating for financial strength from AM Best. You may be able to save even more by signing up for one of the two telematics programs. Nationwide does offer a few options for customization, including roadside assistance and gap insurance, but may not offer as many endorsements as some of its competitors.
How Bankrate chose the best car insurance companies in Virginia
The best car insurance company may look different for every driver based on their coverage needs and priorities. This is why Bankrate took a holistic approach to evaluating carriers when choosing our best car insurance companies in Virginia. In addition to average premium data from Quadrant Information Services, Bankrate also looked at customer satisfaction, financial strength, coverage options, digital tools and more to assign each carrier a Bankrate Score out of five points. We hope this Score will help provide an overview of each carrier's offerings and indicate which companies could best fit your needs.
Why you can trust Bankrate
Read our full methodologyTo help Virginia drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Virginia
The best car insurance in Virginia for one driver is not always the best for another, so some tips and tricks may help you narrow down the best company for your needs. Comparing quotes may help you find the cheapest carriers in Virginia, while the strategies below could help ensure that the carrier you choose meets your coverage and customer service needs.
New
The state of Virginia changed its uninsured driver laws in 2024. Previously, drivers could pay a $500 fee at the time of registration and avoid carrying coverage. As of July 1, 2024, all Virginia drivers must have auto insurance and meet minimum liability coverage requirements. Failure to do so could result in fines, license suspension or a loss of registration and plates.
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Virginia?
The average cost of car insurance in Virginia is quite a bit lower than the national average for both minimum coverage and full coverage. While the national averages for full and minimum coverage are $2,458 and $678, respectively, Virginia’s average rates are $2,084 for full coverage and $708 for minimum coverage. But, Virginia’s average rates are higher than that of nearby states with West Virginia and North Carolina averaging $2,132 and $2,063 for full coverage, respectively.
These lower rates in Virginia may be attributed to lower accident frequency and severity and lower vehicle theft rates. These rates are based on 2024 quoted annual premiums from Quadrant Information Services. Keep in mind that these rates are estimates and may vary by state, driver profile and individual company.
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But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Shortt Gap | $2,138 | +3% |
Whitewood | $2,332 | +11% |
Centreville | $2,110 | +1% |
Haymarket | $2,027 | -3% |
Ashburn | $1,947 | -7% |
Reston | $2,065 | -1% |
Dulles | $1,968 | -6% |
Manassas | $2,050 | -2% |
Upperville | $2,007 | -4% |
Leesburg | $1,905 | -9% |
Hillsville | $2,030 | -3% |
Independence | $1,996 | -4% |
Blue Grass | $1,908 | -9% |
Fort Defiance | $1,825 | -13% |
Middlebrook | $1,873 | -11% |
West Augusta | $1,879 | -10% |
Aldie | $2,084 | -0% |
Calverton | $2,022 | -3% |
Dry Fork | $2,188 | +5% |
Gladstone | $2,099 | +1% |
Keeling | $2,165 | +4% |
Norwood | $2,200 | +5% |
Rustburg | $1,992 | -5% |
Sutherlin | $2,154 | +3% |
Falls Mills | $2,207 | +6% |
Waterford | $1,966 | -6% |
Chantilly | $2,077 | -0% |
Halifax | $2,113 | +1% |
Lynch Station | $2,033 | -2% |
Madison Heights | $1,929 | -8% |
Virgilina | $2,156 | +3% |
Pilgrims Knob | $2,336 | +11% |
Richlands | $2,201 | +5% |
Vansant | $2,311 | +10% |
Fries | $2,006 | -4% |
Rural Retreat | $1,961 | -6% |
Clifton Forge | $1,874 | -11% |
Iron Gate | $1,950 | -7% |
Vesuvius | $1,911 | -9% |
Lynchburg | $1,969 | -6% |
Clifford | $1,990 | -5% |
Warrenton | $2,027 | -3% |
Evington | $1,970 | -6% |
Gladys | $2,042 | -2% |
Long Island | $2,118 | +2% |
Nathalie | $2,168 | +4% |
Scottsville | $2,202 | +5% |
Sweet Briar | $2,040 | -2% |
Vernon Hill | $2,193 | +5% |
Bandy | $2,210 | +6% |
Doran | $2,192 | +5% |
Hurley | $2,373 | +13% |
Jewell Ridge | $2,213 | +6% |
Mavisdale | $2,310 | +10% |
The Plains | $2,026 | -3% |
Sterling | $1,993 | -4% |
Amissville | $2,125 | +2% |
Marshall | $2,008 | -4% |
Portsmouth | $2,345 | +12% |
Alberta | $2,167 | +4% |
Dolphin | $2,168 | +4% |
Newsoms | $2,145 | +3% |
Sedley | $2,180 | +4% |
Waverly | $2,254 | +8% |
Evergreen | $2,086 | +0% |
Hampden Sydney | $2,167 | +4% |
Church Road | $2,178 | +4% |
Lawrenceville | $2,152 | +3% |
White Plains | $2,148 | +3% |
Yale | $2,174 | +4% |
Zuni | $2,177 | +4% |
Farmville | $2,167 | +4% |
Dundas | $2,179 | +4% |
Blackstone | $2,265 | +8% |
Chester | $2,110 | +1% |
Courtland | $2,177 | +4% |
Ford | $2,207 | +6% |
Skippers | $2,132 | +2% |
Warfield | $2,179 | +4% |
Phenix | $2,183 | +5% |
Capron | $2,155 | +3% |
Chesterfield | $2,082 | -0% |
Elberon | $2,205 | +6% |
Ivor | $2,136 | +2% |
Sussex | $2,210 | +6% |
Burkeville | $2,233 | +7% |
Cullen | $2,175 | +4% |
Meherrin | $2,167 | +4% |
Arlington | $2,060 | -1% |
Alexandria | $2,195 | +5% |
Callao | $2,034 | -2% |
Mount Holly | $2,062 | -1% |
Fredericksburg | $2,001 | -4% |
Coles Point | $2,062 | -1% |
Dogue | $2,055 | -1% |
Hustle | $2,012 | -4% |
Kinsale | $2,036 | -2% |
Lively | $2,011 | -4% |
Richmond | $2,152 | +3% |
Henrico | $2,078 | -0% |
Oak Hall | $2,097 | +1% |
Elk Creek | $2,016 | -3% |
Saltville | $1,981 | -5% |
Tannersville | $2,188 | +5% |
Troutdale | $1,975 | -5% |
Brownsburg | $1,885 | -10% |
Hot Springs | $1,901 | -9% |
Lexington | $1,874 | -11% |
Altavista | $2,016 | -3% |
Big Island | $2,038 | -2% |
Crystal Hill | $2,133 | +2% |
Monroe | $1,961 | -6% |
Natural Bridge Station | $1,898 | -9% |
Amonate | $2,222 | +6% |
Maxie | $2,229 | +7% |
Oakwood | $2,313 | +10% |
Pembroke | $1,968 | -6% |
Rich Creek | $1,988 | -5% |
Fort Blackmore | $2,039 | -2% |
Haysi | $2,285 | +9% |
Nora | $2,156 | +3% |
Saint Charles | $2,127 | +2% |
Austinville | $1,997 | -4% |
Radford | $1,835 | -13% |
Andover | $2,088 | +0% |
Bee | $2,136 | +2% |
Ewing | $2,138 | +3% |
Jonesville | $2,118 | +2% |
Mc Clure | $2,153 | +3% |
Norton | $2,086 | +0% |
Pound | $2,238 | +7% |
Bland | $2,046 | -2% |
New River | $1,930 | -8% |
Villamont | $2,007 | -4% |
Bristol | $1,882 | -10% |
Abingdon | $1,909 | -9% |
Hiltons | $2,027 | -3% |
Ceres | $2,083 | -0% |
Ridgeway | $2,081 | -0% |
Woolwine | $2,069 | -1% |
Blackwater | $2,131 | +2% |
Gate City | $2,041 | -2% |
Honaker | $2,102 | +1% |
Saint Paul | $2,136 | +2% |
Cana | $2,021 | -3% |
Crockett | $1,962 | -6% |
Redwood | $2,048 | -2% |
Salem | $1,839 | -13% |
Roanoke | $1,897 | -9% |
Stanleytown | $2,091 | +0% |
Damascus | $1,953 | -6% |
Pulaski | $1,916 | -8% |
Cripple Creek | $1,983 | -5% |
Parrott | $1,954 | -6% |
Patrick Springs | $2,046 | -2% |
Pittsville | $2,170 | +4% |
Riner | $1,798 | -15% |
Staffordsville | $1,958 | -6% |
Troutville | $1,858 | -11% |
Clintwood | $2,282 | +9% |
Duffield | $2,069 | -1% |
Rose Hill | $2,142 | +3% |
Lambsburg | $2,018 | -3% |
Speedwell | $1,984 | -5% |
Meadowview | $1,953 | -7% |
Sugar Grove | $1,959 | -6% |
Staunton | $1,793 | -15% |
Goshen | $1,893 | -10% |
Alton | $2,160 | +4% |
Blairs | $2,174 | +4% |
Sandy Level | $2,156 | +3% |
Davenport | $2,306 | +10% |
Dryden | $2,122 | +2% |
Whitetop | $1,971 | -6% |
Wise | $2,098 | +1% |
Broadford | $2,085 | +0% |
Woodbridge | $2,170 | +4% |
Gainesville | $1,941 | -7% |
Herndon | $2,058 | -1% |
Middleburg | $1,985 | -5% |
Bristow | $2,018 | -3% |
Delaplane | $2,032 | -3% |
Saxis | $2,105 | +1% |
Suffolk | $2,120 | +2% |
Virginia Beach | $2,227 | +7% |
Wardtown | $2,075 | -0% |
Wattsville | $2,076 | -0% |
Norfolk | $2,328 | +11% |
Fort Monroe | $2,229 | +7% |
Hampton | $2,222 | +6% |
Seaford | $1,929 | -8% |
Gretna | $2,145 | +3% |
Hurt | $2,101 | +1% |
Naruna | $2,054 | -1% |
Raven | $2,213 | +6% |
Tazewell | $2,181 | +5% |
Danville | $2,102 | +1% |
Ringgold | $2,136 | +2% |
Breaks | $2,236 | +7% |
Pocahontas | $2,294 | +10% |
Rowe | $2,291 | +9% |
Bluemont | $1,972 | -6% |
Lovettsville | $1,961 | -6% |
Rectortown | $2,027 | -3% |
Nokesville | $2,007 | -4% |
Paris | $1,971 | -6% |
Purcellville | $1,937 | -7% |
Sanford | $2,091 | +0% |
Smithfield | $2,144 | +3% |
Catlett | $1,990 | -5% |
Paeonian Springs | $1,944 | -7% |
Tangier | $2,103 | +1% |
Lackey | $1,913 | -9% |
Glasgow | $1,890 | -10% |
Goode | $2,029 | -3% |
Java | $2,163 | +4% |
Scottsburg | $2,121 | +2% |
South Boston | $2,147 | +3% |
Boissevain | $2,199 | +5% |
Burkes Garden | $2,215 | +6% |
North Tazewell | $2,193 | +5% |
Swords Creek | $2,088 | +0% |
Forest | $1,954 | -6% |
Grundy | $2,341 | +12% |
Keen Mountain | $2,218 | +6% |
Skipwith | $2,197 | +5% |
Ararat | $2,048 | -2% |
Christiansburg | $1,768 | -16% |
Cascade | $2,150 | +3% |
Henry | $2,107 | +1% |
Lincoln | $1,935 | -7% |
Meadows Of Dan | $2,067 | -1% |
Casanova | $2,018 | -3% |
Clifton | $2,104 | +1% |
Hamilton | $1,924 | -8% |
Seaview | $2,123 | +2% |
Newport News | $2,197 | +5% |
Lowry | $2,023 | -3% |
Natural Bridge | $1,883 | -10% |
Bluefield | $2,198 | +5% |
Wolford | $2,366 | +13% |
Belspring | $1,893 | -10% |
Blue Ridge | $1,908 | -9% |
Dublin | $1,900 | -9% |
Newbern | $1,967 | -6% |
Pleasant Valley | $1,790 | -15% |
Charlottesville | $1,981 | -5% |
Cartersville | $2,244 | +7% |
Christchurch | $1,991 | -5% |
Cobbs Creek | $2,046 | -2% |
Deltaville | $2,039 | -2% |
Reedville | $2,047 | -2% |
Unionville | $2,155 | +3% |
Zacata | $2,155 | +3% |
Fishers Hill | $1,820 | -14% |
Rileyville | $1,932 | -8% |
Richardsville | $2,129 | +2% |
Rixeyville | $2,151 | +3% |
Somerville | $2,129 | +2% |
Harrisonburg | $1,769 | -16% |
Edinburg | $1,795 | -15% |
Arrington | $2,072 | -1% |
Glade Spring | $1,970 | -6% |
Marion | $1,927 | -8% |
Bacova | $1,901 | -9% |
Covington | $1,884 | -10% |
Doe Hill | $1,895 | -9% |
Raphine | $1,846 | -12% |
Selma | $1,860 | -11% |
Swoope | $1,853 | -12% |
Weyers Cave | $1,788 | -15% |
Buffalo Junction | $2,174 | +4% |
Pilot | $1,823 | -13% |
Ripplemead | $1,985 | -5% |
Big Stone Gap | $2,081 | -0% |
Cleveland | $2,093 | +0% |
Lebanon | $2,134 | +2% |
Rosedale | $2,088 | +0% |
Draper | $1,947 | -7% |
Dugspur | $2,009 | -4% |
Max Meadows | $1,980 | -5% |
Woodlawn | $2,013 | -3% |
Crimora | $1,831 | -13% |
Grottoes | $1,838 | -13% |
Montebello | $2,029 | -3% |
Steeles Tavern | $1,815 | -14% |
Warm Springs | $1,920 | -8% |
Clover | $2,137 | +3% |
Gloucester | $2,032 | -3% |
Grimstead | $1,988 | -5% |
Gwynn | $2,022 | -3% |
Hallieford | $2,035 | -2% |
Mechanicsville | $2,012 | -4% |
Norge | $1,906 | -9% |
Quinton | $2,054 | -1% |
State Farm | $2,137 | +2% |
Toano | $1,889 | -10% |
Trevilians | $2,155 | +3% |
University Of Richmond | $2,096 | +1% |
West Point | $2,048 | -2% |
Hiwassee | $1,949 | -7% |
Ivanhoe | $1,972 | -6% |
Craigsville | $1,887 | -10% |
Low Moor | $1,859 | -11% |
Mc Dowell | $1,913 | -9% |
Mount Sidney | $1,816 | -14% |
Stuarts Draft | $1,809 | -14% |
Williamsville | $1,910 | -9% |
Bedford | $2,055 | -1% |
Brookneal | $2,095 | +0% |
Willis | $2,011 | -4% |
Deerfield | $1,872 | -11% |
Greenville | $1,864 | -11% |
Mustoe | $1,895 | -10% |
Verona | $1,813 | -14% |
Amherst | $1,974 | -5% |
Concord | $2,041 | -2% |
Mouth Of Wilson | $2,037 | -2% |
Rocky Gap | $2,095 | +1% |
Churchville | $1,866 | -11% |
Fairfield | $1,877 | -10% |
Monterey | $1,927 | -8% |
Port Republic | $1,806 | -14% |
Rockbridge Baths | $1,900 | -9% |
Chatham | $2,159 | +4% |
Bridgewater | $1,782 | -16% |
Mount Crawford | $1,793 | -15% |
Earlysville | $2,030 | -3% |
Lyndhurst | $1,828 | -13% |
Somerset | $2,151 | +3% |
Ashland | $1,986 | -5% |
Cardinal | $2,069 | -1% |
Oriskany | $1,994 | -4% |
Paint Bank | $1,901 | -9% |
Coeburn | $2,091 | +0% |
Dungannon | $2,123 | +2% |
East Stone Gap | $2,165 | +4% |
Keokee | $2,117 | +2% |
Pennington Gap | $2,129 | +2% |
Weber City | $2,025 | -3% |
Stuart | $2,041 | -2% |
Thaxton | $1,980 | -5% |
Ben Hur | $2,116 | +2% |
Mendota | $1,990 | -5% |
Nickelsville | $2,125 | +2% |
Bastian | $2,118 | +2% |
Wytheville | $1,962 | -6% |
Glen Wilton | $1,886 | -10% |