Best car insurance in Virginia 2020

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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 the best auto insurance 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

When you consider those things, you will be able to find the best provider for your needs.

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. Based on the J.D. Power 2020 Auto Insurance Study, here are our top picks:

Provider J.D. Power rating out of 1000 AM Best rating
Erie Insurance 850 A+
Geico 841 A++
Nationwide 835 A+
State Farm 855 A++
Travelers 836 A++

Erie

Erie Insurance is considered a regional insurance company because it only provides coverage in 12 states. Nevertheless, it’s one of the best car insurance companies in Virginia.

Erie has some savings options to help policyholders save. Long-time policyholders benefit the most. The Accident Forgiveness Program, forgives one accident claim to protect policyholders from increased insurance premiums. You can also earn a deductible reduction of $100 every year without a claim.

Geico

For many budget-oriented drivers, Geico may be the best car insurance in Virginia. The company provides customers with many discounts that could earn you anywhere between 10 and 30 percent off your car insurance. Plus, you’ll receive an additional 10 percent off when you first switch to Geico.

Nationwide

Nationwide comes in fifth in the best car insurance in Virginia roundup. Like all the other companies, it offers a full range of standard coverages for every type of driver. Safer drivers (or those who want to improve their driving history) will benefit the most when choosing Nationwide — accident forgiveness and vanishing deductible are a couple of rewards for driving safely and defensively.

State Farm

State Farm sold its very first car insurance policy in 1922. Today, the company has over 19,000 agents who service more than 80 million insurance policies.

Besides its stellar auto insurance Virginia policies, State Farm offers banking and investment products, as well as health, life and property insurance. The company is not known as the lowest cost insurer, but if you like personal attention from a knowledgeable agent, State Farm is an excellent choice.

Travelers

Travelers has a good reputation for its unique optional coverages. While Erie Insurance may forgive one accident claim, Travelers tops it with two-accident forgiveness. If you sign up for IntelliDrive, you’ll earn up to 20 percent off your car insurance for good driving habits. The program runs for 90 days and tracks your driving behaviors through an app. The safer you drive, the more discounts you could earn.

Average cost of car insurance cost in Virginia

Virginia is one of the least expensive states for car insurance, according to our findings published in our Average Cost of Car Insurance report. Virginia averages $1,136 per year for full coverage and $398 for the minimum liability coverage mandated. Florida, the most expensive state for car insurance costs $2,578 for full coverage and $978 for minimum liability.

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.

Auto insurance discounts in Virginia

There are ways to lower your auto insurance Virginia 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: Those who maintain good grades may be eligible for an insurance discount.
  • Driver training: 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.

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. To find the best auto insurance in Virginia, get a few quotes. 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.

Do I need full car insurance Virginia coverage?

If you’re financing your vehicle, your lender will probably require you to have full coverage. Virginia’s minimum required liability insurance does not protect your vehicle if it’s damaged or totaled. That’s why you should consider full coverage, so your insurance provider steps in to repair or replace your car after an accident.

What are the best car insurance Virginia companies?

We found that State Farm, Erie, Geico, Travelers and Nationwide are the best auto insurance Virginia companies. USAA also ranks high but didn’t make our list because it’s only available to active or retired military members and their families.