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Best car insurance in Virginia for 2024

Updated May 01, 2024
Geico, State Farm, Travelers, Nationwide and Progressive are some of the best insurance companies in Virginia.
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 car insurance company 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 J.D. Power’s customer satisfaction ratings 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 $1,963 per year for full coverage and $677 for minimum coverage.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,579
$508
4.4
Rating: 4.4 stars out of 5
$1,777
$571
4.3
Rating: 4.3 stars out of 5
$2,191
$597
4.2
Rating: 4.2 stars out of 5
$1,222
$387
4.0
Rating: 4 stars out of 5
$1,032
$705

Geico

Best for digital policy management

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$132/mo

Avg. full coverage premium

$1,579/yr

Customer satisfaction

818/1,000

Progressive

Best for high-risk drivers

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$148/mo

Avg. full coverage premium

$1,777/yr

Customer satisfaction

814/1,000

State Farm

Best for local agents

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$183/mo

Avg. full coverage premium

$2,191/yr

Customer satisfaction

843/1,000

Travelers

Best for optional add-ons

Travelers

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$102/mo

Avg. full coverage premium

$1,222/yr

Customer satisfaction

822/1,000

Nationwide

Best for budget-friendly options

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

$86/mo

Avg. full coverage premium

$1,032/yr

Customer satisfaction

820/1,000

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 to find the best car insurance in Virginia

The best car insurance 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

News that affects Virginia drivers

Virginia drivers may notice a change in their car insurance bills due to a recent adjustment in state law that took effect on July 1, 2023. The new regulations alter the way insurance companies handle payouts for claims involving underinsured drivers. Previously, if a driver was involved in an accident with an underinsured at-fault party, their insurance company would deduct the amount paid by the at-fault driver's policy from their payout. Now, that amount is added to the victim's coverage, offering more protection in case of major accidents. However, this increased coverage might lead to a slight rise in premiums. It's recommended that drivers consult with their insurance agents before making any coverage decisions.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 $2,299 and $637, respectively, Virginia’s average rates are $1,963 for full coverage and $677 for minimum coverage. But, Virginia’s average rates are higher than that of nearby states with West Virginia and North Carolina averaging $1,926 and $1,775 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.

City Avg. annual full coverage premium Avg. savings vs. state average