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Best car insurance in Virginia for 2022

Updated Dec 02, 2022
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State Farm, Geico and Travelers are some of the best car insurance companies in Virginia, based on Bankrate’s extensive research. Virginia drivers pay an average cost of car insurance of $1,347 per year for full coverage and $483 for minimum coverage, according to Bankrate’s 2022 study of quoted annual premiums. Though price is important, there are other factors you may want to consider when shopping for auto insurance coverage in the commonwealth.

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Best car insurance companies in Virginia

Not all insurance companies may suit your specific needs when it comes to auto insurance. To find the best companies in Virginia, Bankrate reviewed multiple aspects of each company, including average premiums, coverage options, discounts and third-party ratings, including J.D. Power’s customer satisfaction ratings for the Mid-Atlantic region. Our proprietary Bankrate Score is based on our methodology, which analyzes industry average rates from Quadrant Information Services and third-party agency ratings. Each company was assigned a Bankrate Score on a scale of 0.0 to 5.0. The higher the score, the more highly that company ranked in each category.

Our insurance editorial team then conducted a qualitative analysis, comparing each company’s rates and scores against critical factors like customer satisfaction, financial strength and policy resources. Based on our analysis, these top five carriers offer the best auto insurance in Virginia:

State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (mid-Atlantic)
851
/1,000
Average annual full coverage premium
$1,107
Average annual minimum coverage premium
$357
Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (mid-Atlantic)
834
/1,000
Average annual full coverage premium
$1,185
Average annual minimum coverage premium
$359
Travelers
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (mid-Atlantic)
860
/1,000
Average annual full coverage premium
$965
Average annual minimum coverage premium
$338
Erie
Rating: 4.6 stars out of 5
4.6
Bankrate Score
Info Hover for more
J.D. Power score (mid-Atlantic)
867
/1,000
Average annual full coverage premium
$1,014
Average annual minimum coverage premium
$590
Nationwide
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
J.D. Power score (mid-Atlantic)
829
/1,000
Average annual full coverage premium
$914
Average annual minimum coverage premium
$377
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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 company for bundling

J.D. Power:
851 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 357
Avg annual premium for full coverage:
$ 1,107
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for digital policy management

J.D. Power:
834 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 359
Avg annual premium for full coverage:
$ 1,185
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for optional add-ons

J.D. Power:
860 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 338
Avg annual premium for full coverage:
$ 965
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for customer service

J.D. Power:
867 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 590
Avg annual premium for full coverage:
$ 1,014
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for budget-friendly options

J.D. Power:
829 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 377
Avg annual premium for full coverage:
$ 914
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Average cost of car insurance cost 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 average for full coverage is $1,771, Virginia’s average cost of full coverage car insurance is $1,347. The lower rates in Virginia may be attributed to lower cost of repairs, fewer damaging weather events and population density differences. These rates are based on 2022 quoted annual premiums from Quadrant Information Services. Rates are estimates and may vary by state, driver profile and individual company.

 

Average annual premium for minimum coverage in Virginia Average annual premium for full coverage in Virginia
$483 $1,347

How to find the best car insurance in Virginia

The best car insurance for one driver is not always the best for another, yet there are some crucial tips and tricks for finding the best car insurance for you. Car insurance rates and coverage can be very individualized. What works best for you will depend on your situation. It’s vital to consider how risky of a driver you are, as well as being pragmatic about how much you can spend on premiums. Below are further guidelines for evaluating what might be the best Virginia car insurance for you.

Consider minimum insurance requirements in Virginia

Before deciding how much coverage you might want or need, you may want to know how much the state requires. Virginia laws require all drivers to maintain at least minimum amounts of bodily injury liability and property damage liability, unless vehicle owners pay a $500 uninsured motorist fee to drive without insurance for a year. Insurance companies must offer you uninsured motorist coverage and underinsured motorist coverage, although you can decline these options in writing. Specific limits and requirements can be found on the Virginia DMV website. The minimum requirements coverage limits were increased in Virginia as of Jan. 1, 2022 for new policies and renewals, the first adjustment since 1975.

Consider lender requirements

If you are paying off a car loan or leasing a vehicle, odds are you’re required to carry more robust coverage. Lenders and leasing companies often require full coverage on financed and leased vehicles. Depending on how old the model is, there can be a significant difference in the amount owed on a vehicle and its actual cash value. Gap insurance can help cover the difference caused by a vehicle’s depreciation, filling in the gap between what it’s worth if totaled in a covered claim and what is owed.

Consider your individual needs

Life circumstances can change, and some of these changes can benefit from alterations in coverage. Whether you’re adding a teen driver to your policy or looking for ways to lower your premiums, there are many nuances to consider when it comes to your coverage. Suppose your premium is going up from a major accident or multiple tickets. In those cases, you may want to consider finding an insurer specializing in high-risk drivers. If adding a teenager to your family policy, consider finding an insurer that offers a good student discount or a usage-based telematics program, as these can help offset the higher cost of newer young drivers.

Car insurance discounts in Virginia

Depending on your insurance company, there may be auto insurance discounts to consider in Virginia. In general, the more of these you can qualify for, the more you can save on premiums. However, not all drivers will be eligible for all discounts, and eligibility requirements and discounts offered can vary between insurers.

  • Young driver discounts: Discounts designed for young drivers may be offered, including good student discounts, distant student discounts and drivers training discounts.
  • Safe driver discounts: Insurers often offer discounts tailored to drivers that have demonstrated safe driving patterns and habits. These discounts can be in the form of a usage-based telematics discount, where driving behaviors are monitored through a mobile app or plug-in device to earn a discount, a claims-free discount or a discount for having specialized safety features on your vehicle.
  • Other discounts: Many insurers offer other forms of discounts, such as low-mileage, multi-car, policy building, paperless billing and paid-in-full discounts to help reduce insurance costs.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Scores

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2020 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Mandy Sleight
Insurance Contributor

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute