Good news for Virginia drivers: Jerry’s latest data shows that liability coverage in the Commonwealth averages about $162 per month. Over the past year, we’ve helped 23,864 Virginians secure more affordable coverage, and drivers who switch with Jerry save an average of $240 annually without losing the protection they count on.
Jerry compares quotes from up to 15 trusted insurers in Virginia to build your policy and help you lock in the best rate in minutes.
Save on Virginia insurance with Jerry.
What Virginia drivers are paying right now
Auto insurance pricing in Virginia moves more than you might think. The state now requires drivers to carry minimum liability coverage, and what you pay can vary widely depending on where you live. Coastal storm exposure, long rural commutes, Northern Virginia’s dense traffic and rising repair costs all play a role in your premium.
Jerry tracks live quotes across Virginia to show you what drivers are actually paying today. Here are recently purchased full coverage policies and their prices.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Revisit your rate periodically. In Virginia, everything from seasonal storms to changes in your driving profile can shift your premium at renewal.
4 easy ways Jerry helps Virginia drivers save on car insurance
Finding the cheapest number on a page isn’t the whole story. True savings come from understanding how insurers price Virginia drivers and adjusting what you can without weakening your protection.
Jerry makes that simple by comparing real offers, surfacing discounts you may not know you qualify for and showing you where to find meaningful savings.
Here are our top tips to help you spend less and worry less.
| How to save | Average Virginia driver savings |
|---|---|
| Compare quotes | 36% to 52% |
| Stack discounts | 12% to 25% |
| Pick the right deductible | 13% to 71%* |
| Avoid coverage lapses | 16% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Virginia’s landscape creates a wide range of risk profiles, from coastal hurricanes to I-95 congestion and long rural stretches. Insurers weigh these exposures differently, especially in areas with rising repair costs or higher crash frequency. That’s why one company might offer you a price that’s dramatically lower than another for the exact same coverage.
Comparing quotes side by side with Jerry is the most effective way to avoid overpaying.Here’s where Virginia drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Virginia drivers who switched | Average Jerry savings |
|---|---|---|
| National General | 21% | 27% |
| Root | 21% | 31% |
| Assurance America | 14% | 24% |
| Bristol West | 7% | 18% |
| Clearcover | 67% | 30% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: Two drivers with the same car and the same record can still pay very different premiums in Virginia depending on their ZIP code, storm exposure or commute. Jerry shows you those price differences immediately so you can choose the best deal.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Virginia drivers often qualify for multiple discounts including safe-driver savings, multi-vehicle discounts, paperless billing, defensive driving courses and home-and-auto bundles. But insurers don’t always apply every discount automatically.
Jerry identifies the discounts you’re eligible for so you don’t leave savings behind.
Key takeaway: Stacking discounts often saves more than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing your deductible is one of the easiest ways to adjust your premium. Virginia drivers face everything from coastal flooding to high-speed rural collisions, so pick a deductible you can genuinely afford if you need to file a claim.
Here’s what Jerry drivers chose for deductibles in the past year:
To find the right deductible for your situation:
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Review your car’s value (Jerry updates this monthly).
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Choose an amount you could realistically handle out of pocket.
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Compare how each deductible level changes your rate in real time.
The Jerry difference: Jerry displays multiple deductible options instantly so you can select the right balance of cost and protection.
Jerry Agent Tip 4: Avoid a lapse in coverage
A coverage lapse is one of the fastest ways to raise your premium in Virginia. Jerry data shows that even a short gap increases prices by an average of 16%, and some insurers penalize lapses even more. The best long-term savings strategy is choosing a policy you can maintain comfortably month after month so you’re never forced to let it drop.
Jerry helps you compare real-time rates across multiple coverage levels so you can choose a policy that stays affordable long-term. Once you’re covered, we remind you to re-shop your policy whenever you might qualify for better pricing.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Virginia requires 30/60/20 liability coverage, but that minimum won’t protect your own car. And rising repair costs mean many drivers opt for more than the bare minimum.
Here are the coverage tiers you’ll see:
Minimum
$95 – $200/mo
Meets Virginia liability requirements but does not cover your own vehicle.
Full
$170 – $366/mo
Adds collision and comprehensive, often required if your vehicle is financed or leased.
Preferred
$197 – $426/mo
Highest limits, lowest deductibles and extras like towing or rental reimbursement mean top protection.
Key takeaway: Start with your car’s value and your comfort around risk, then let Jerry show you real-time prices for each tier so you can choose confidently.
The cheapest Virginia policy is liability-only, but supplemental coverages can be invaluable in crashes, theft or severe weather.
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Coverage definitions
Virginia insurance factors at a glance
Virginia’s insurance pricing is shaped by a unique blend of coastal weather, dense commuter corridors and rural high-speed travel. Insurers weigh these risks differently, which is why ZIP code can move your premium more than you might expect.
Storm exposure
Hurricanes and coastal flooding influence rates in Tidewater areas and make collision coverage important.
Heavy traffic
I-95 and Northern Virginia congestion drive higher crash and injury claims.
Wildlife collisions
Deer-related crashes spike in fall and early winter, which falls under comprehensive coverage.
Uninsured drivers
About 13% of Virginia drivers are uninsured, so UM/UIM UM/UIM protection matters.
Virginia Insurance After a Ticket, Accident or SR-22
Jerry ensures that one mistake doesn’t define your insurance costs for years. That’s why we partner with insurers that look at your full profile, not just your latest violation. As your record improves, we’ll help you shop again for even better rates.
If you got a ticket
Virginia uses a point system, and violations stay on your driving record for years depending on severity. Even one ticket can raise your premium significantly, especially speeding, which is among the most common infractions in the state.
Some drivers may reduce points by completing a state-approved driver improvement course. And once your violation clears, Jerry monitors trends and reminds you to shop for better pricing.
Here are the average rate increases we’ve seen for Virginia drivers after a ticket:
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Speeding under 15: 26%
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Speeding over 15: 46%
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Failure to obey traffic sign: 14%
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Reckless driving: 44%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Virginia is an at-fault state. An at-fault crash typically raises premiums by 30%, and those higher prices can last three to five years. Jerry helps you secure your best available rate immediately and re-shops your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| At Fault With Injury | $314 |
| Not At Fault | $339 |
| At Fault With No Injury | $386 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
Virginia treats DUIs seriously, with heavy fines, license consequences and long-lasting insurance increases. After a DUI, premiums often rise by 7%, and many drivers must carry an FR-44 filing, which requires higher liability limits.
Jerry identifies insurers that offer fair, transparent high-risk pricing and helps re-shop your policy as your record improves.
Here are the five cheapest insurers for Virginia drivers after DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $220 | Yes | |
| $232 | Yes | |
| $266 | Yes | |
| $309 | Yes | |
| $339 | Yes |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Virginia
Virginia may require an SR-22 for certain violations, or an FR-44 after DUIs or other serious offenses. Select the appropriate option in the Jerry app and we’ll only show insurers that handle the filing. Most carriers charge about $25 per year for processing.
Car Insurance with Bad Credit
Virginia allows insurers to use credit-based insurance scores when setting auto rates. That means your credit history can influence your premium, though it’s just one factor among many, including your driving record, prior coverage, mileage and chosen limits.
Maintaining continuous insurance, driving violation-free and selecting a deductible you can actually afford often have an even larger impact on your rate than credit alone. Jerry compares prices instantly so you can find the insurer that treats your profile most competitively.
Average rates in South Carolina by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Drive with confidence
Virginia’s blend of coastal storms, mountain highways, wildlife crossings and congested urban corridors means there’s no single cheapest plan. The right policy is one that fits how and where you actually drive.
Jerry makes it easy to build a policy tailored to Virginia’s realities. As your price could improve, we’ll monitor trends and remind you when it’s time to shop for even better savings.
Get Virginia quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
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.
