To get the best car insurance in Virginia, consider companies that have high financial strength ratings with few customer complaints. According to Jerry’s editorial analysis, Erie Insurance offers the best car insurance in Virginia overall. Here’s what to know about other highly-rated insurers in the state.
If you need cheap car insurance in Virginia, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Virginia overall: Erie Insurance
Why it’s the best: Jerry chose Erie as the best car insurance in Virginia due to its 4.9 Jerry star rating, superior financial strength rating and few customer complaints. Erie also ranks No. 1 out of 14 insurers for overall customer satisfaction in the Mid-Atlantic region, according to J.D. Power’s 2024 U.S. Auto Insurance Study, which ranks insurance companies based on factors like cost and consumer trust.
Erie’s auto policies may automatically include accident forgiveness after your first at-fault accident once you’ve been insured for three claims-free years, coverage for vet bills if your pet is injured in an accident in your car, a waived deductible for auto glass repair and up to $350 in personal belongings coverage. You can also add on roadside assistance and rental car expense coverage. If you upgrade to Erie’s Auto Plus package, you’ll get perks such as a diminishing deductible and a $10,000 death benefit.
Virginia drivers can get discounts by insuring multiple cars, bundling policies, storing a vehicle for at least 90 days or only using a vehicle for farm use.
Runner-up: Geico
Why it’s the best: Geico is Jerry’s top-rated insurer with 5 stars due to its superior financial strength rating and few customer complaints. Jerry chose Geico as the runner-up because it ranked below average in J.D. Power’s 2024 U.S. Auto Insurance Mid-Atlantic Study.
Drivers in Virginia may get discounts for bundling policies, maintaining a clean driving record and for opting into Geico’s telematics program, DriveEasy, and practicing safe driving habits. Drivers 55 and older who voluntarily complete a qualifying defensive driving course may also get a discount.
Geico’s phone app lets customers manage their policy, access insurance ID cards, request roadside assistance and get repair estimates by uploading photos of a damaged car.
More of the best Virginia insurers
The following companies round off our list of the top auto insurers in Virginia.
Honorable mention: CSAA Insurance Group
While not yet rated by Jerry, CSAA Insurance Group was ranked No. 3 out of 14 insurers for overall customer satisfaction in the Mid-Atlantic region, according to J.D. Power’s 2024 Auto Insurance Study.
CSAA may offer discounts for insuring multiple vehicles,bundling policies, paying in full and driving fewer miles. Teens and older drivers may get discounts for completing driver training programs, and qualifying students can save if they’re included on a parent’s policy..
If you’re invited to join CSAA’s telematics program, MySafeDrive, you could get a discount of up to 10% just for participating. You may earn more savings if you practice safe driving behavior.
Best full coverage car insurance in Virginia
Here are the best car insurance rates for full coverage in Virginia.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Grange | $107 |
| Bluefire | $120 |
| Safeco | $220 |
| Progressive | $261 |
| National General | $265 |
Best car insurance for teen drivers in Virginia
Here are the best car insurance rates for teens in Virginia.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Clearcover | $205 |
| National General | $406 |
| Dairyland | $408 |
| Trexis | $411 |
| Electric | $427 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Virginia
These are the best car insurance companies for drivers under 25 in Virginia.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $65 |
| Safeco | $219 |
| First Acceptance | $275 |
| National General | $296 |
| Clearcover | $316 |
Learn more: Car insurance for college students
Best car insurance for seniors in Virginia
Below are the best options for drivers over 65 in Virginia, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $150 |
| Assurance America | $152 |
| National General | $157 |
| Safeco | $158 |
| Gainsco | $211 |
Learn more: Car insurance for seniors
How to get the best car insurance in Virginia
Follow these tips to find the best car insurance in Virginia:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
