Key Takeaways
- Dairyland, Progressive and Trexis offer some of the cheapest car insurance in Virginia.
- The average cost of car insurance in Virginia is around $200 per month.
- You can get cheap car insurance by comparing quotes from multiple insurers.
Insurance companies like Dairyland, Progressive and Trexis offer some of the cheapest car insurance in Virginia, according to real quotes for Jerry customers. But you’ll find the most affordable policy by shopping around and comparing quotes from insurers.
Here are the cheapest companies in Virginia for full and minimum coverage, plus by age, driving history and credit score.
To find the best car insurance in Virginia, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Virginia
Liability-only car insurance, or “minimum coverage” is the absolute cheapest auto insurance you can get, but it covers only others’ injuries and property damage if you cause a wreck. Virginia motorists often opt for minimum coverage plans when they want legal insurance at the lowest possible price. It can be a good choice for budget-focused individuals with reliable cars. Getting quotes from several insurers allows Virginia drivers to make informed, cost-effective choices.
Here are the five cheapest car insurance companies in Virginia for Jerry customers with liability-only coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $80 | $959 |
| Dairyland | $144 | $1,724 |
| Assurance America | $171 | $2,057 |
| ROOT | $175 | $2,095 |
| Trexis | $192 | $2,308 |
| Progressive | $206 | $2,470 |
| National General | $221 | $2,656 |
| The General | $233 | $2,798 |
| Bristol West | $315 | $3,784 |
Virginia car insurance requirements
The state of Virginia increased the required liability limits to legally drive this year. These new requirements, which became effective Jan. 1, are:
- $50,000 for bodily injury or death of one person.
- $100,000 for bodily injury or death of two people.
- $25,000 for damage to other people’s property.
Prior to July 1, 2024, Virginia drivers could legally opt out of having car insurance by paying a $500 annual fee, but this is no longer allowed. All drivers must now have proof of insurance to legally drive. Uninsured drivers could face penalties like lost driving privileges, car registration suspension and fines.
Cheap full coverage car insurance in Virginia
Full coverage pays for damage to your own car, something minimum coverage does not cover, which is why it’s typically more expensive. Shopping for affordable full coverage auto insurance in Virginia means looking for a plan that provides solid protection at a reasonable cost. Full coverage generally includes liability, collision and comprehensive insurance — guarding against accidents, weather-related damage, theft and vandalism. It’s particularly helpful for those with high-value vehicles.
These are some of the cheapest auto insurance companies in Virginia for full coverage, based on real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $152 | $1,827 |
| AAA | $225 | $2,700 |
| Safeco | $225 | $2,703 |
| National General | $285 | $3,418 |
| Embark General | $290 | $3,486 |
| Anchor General | $296 | $3,554 |
| Progressive | $304 | $3,649 |
| Assurance America | $310 | $3,720 |
| First Acceptance | $335 | $4,022 |
| Electric | $350 | $4,197 |
Minimum liability vs. full coverage in Virginia
If you choose liability-only coverage, your auto insurance policy will cover only others’ injuries and property damage you cause in an accident, up to your policy limits. Damage to your own car won’t be covered.
Full coverage pays for damage to your own car, regardless of who caused the crash.
If you have a loan or lease on your vehicle, the lender will require
Full coverage in Virginia includes the state’s minimum liability requirements, plus collision and comprehensive coverage.
Here’s a breakdown of what these types of insurance cover:
- Liability insurance: Covers the costs of injuries or property damage you cause in an accident.
- Collision coverage: Pays for repairs to your vehicle from an accident, regardless of who is found responsible. This coverage typically has a deductible.
- Comprehensive coverage: Pays for damage to your car caused by non-collision events like weather-related incidents and theft.
Be sure to research the differences between liability and full coverage before deciding which is best for you.
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Average car insurance costs for young drivers in Virginia
Young drivers typically pay more for car insurance than older drivers. That’s because they have less experience on the road and may be more likely to cause a crash.
Here are average car insurance costs in Virginia for young drivers between the ages of 18 to 24, according to real quotes for Jerry customers.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $467 | $5,609 |
| 21-24 | $381 | $4,568 |
Cheap liability car insurance in Virginia for a 20-year-old
Liability-only car insurance will likely be the cheapest option for 20-year-old drivers. In Virginia, a 20-year-old might find liability-only coverage ideal for reducing costs while staying street legal. When full coverage exceeds the value of the vehicle, it’s often not a wise investment. A liability-only approach may give them the essentials without financial overload.
Here are the five most affordable car insurance companies in Virginia for 20-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $271 | $3,254 |
| Trexis | $279 | $3,348 |
| ROOT | $284 | $3,402 |
| Electric | $299 | $3,585 |
| Gainsco | $310 | $3,715 |
Cheap full coverage in Virginia for a 20-year-old
A 20-year-old in Virginia might select full coverage to navigate the mix of urban congestion and country roads. Accidents or damage can happen anytime, and this policy cushions the financial impact as full coverage supports mobility and minimizes disruption to daily life.
These are the five cheapest auto insurance companies in Virginia for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Clearcover | $530 | $6,360 |
| Progressive | $530 | $6,363 |
| ROOT | $567 | $6,800 |
| Dairyland | $589 | $7,067 |
| Electric | $611 | $7,330 |
Average auto insurance costs for mature drivers in Virginia (25-54)
Virginia drivers with extensive experience usually benefit from reduced auto insurance premiums. Their familiarity with traffic laws and driving etiquette helps them avoid costly incidents and this dependable behavior signals less risk to providers. The result is often more appealing rates and coverage terms on their insurance policy.
Here are average car insurance costs in Virginia for drivers between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $287 | $3,443 |
| 35-44 | $250 | $3,005 |
| 45-54 | $218 | $2,615 |
Cheapest liability car insurance in Virginia for a 35-year-old
In Virginia, a 35-year-old may prefer liability-only insurance for a vehicle that’s depreciated but still reliable. With a clean record and cautious driving habits, full coverage might feel like overkill. This choice helps maintain essential coverage while cutting unnecessary costs. It appeals to drivers who understand their own risk profile well and may be restricted by their budget.
Here are the five cheapest companies in Virginia for a 35-year-old with minimum coverage, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $66 | $793 |
| National General | $138 | $1,661 |
| Trexis | $149 | $1,787 |
| Assurance America | $154 | $1,844 |
| Progressive | $158 | $1,896 |
Cheapest full coverage in Virginia for a 35-year-old
A 35-year-old may opt for full coverage to navigate everything from mountain roads to urban congestion across all the daily driving they do. It suits drivers who want a balanced and secure insurance plan since full coverage provides support in the event of theft, accidents or storm damage.
Below are the five cheapest auto insurance companies in Virginia for 35-year-old drivers with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $267 | $3,205 |
| Progressive | $268 | $3,217 |
| Safeco | $290 | $3,480 |
| Electric | $301 | $3,617 |
| Gainsco | $315 | $3,782 |
Average car insurance costs for older drivers in Virginia (55+)
The cost of car insurance typically reaches its lowest for drivers around the age of 55, but tends to creep back up for drivers over 65. In Virginia, drivers aged 55 and up may encounter rising insurance premiums due to changing physical coordination and eyesight. Insurers use these variables when recalibrating premiums as a step to align coverage with emerging personal risk factors.
Here are average car insurance rates for Virginia drivers over the age of 55.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $192 | $2,303 |
| 65+ | $185 | $2,226 |
Cheapest liability car insurance in Virginia for a 65-year-old
Virginia retirees might prefer liability-only insurance as their daily driving becomes less demanding. If a vehicle’s value has diminished, and trips are short, comprehensive coverage may not be worthwhile. Liability-only coverage satisfies legal standards without extra expense. It’s a smart move for a scaled-back lifestyle.
These are the five cheapest auto insurance companies in Virginia for a 65-year-old driver with minimum coverage, according to Jerry data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $67 | $801 |
| Assurance America | $76 | $914 |
| National General | $99 | $1,182 |
| Dairyland | $102 | $1,221 |
| Progressive | $105 | $1,265 |
Cheapest full coverage in Virginia for a 65-year-old
A 65-year-old in Virginia may choose full coverage insurance to protect their vehicle from accidents, theft and varying weather conditions. Maintaining financial peace of mind can be important during retirement. Seniors often rely on their cars for daily tasks and appreciate the comprehensive protection full coverage provides.
Below are the five cheapest car insurance companies in Virginia for 65-year-old drivers with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $161 | $1,937 |
| Assurance America | $178 | $2,135 |
| Progressive | $202 | $2,423 |
| Electric | $263 | $3,157 |
| Bristol West | $481 | $5,774 |
Cheapest car insurance in Virginia by driving history
In Virginia, insurance companies review your driving history to determine how likely you are to be involved in future claims. A pattern of incidents or violations can signal higher risk. This history shapes the policy rates and options offered to you and it’s one of the most important factors insurers consider.
Cheap car insurance for drivers with clean records in Virginia
Drivers in Virginia with clean records are typically eligible for better insurance rates because it reflects a strong commitment to road safety and lawful behavior. Insurers value this and often provide more flexible coverage options. A clean record helps you build long-term savings and stability.
These are the five cheapest insurers in Virginia for drivers with clean records, according to quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $121 | $1,456 |
| National General | $179 | $2,148 |
| Safeco | $186 | $2,230 |
| Assurance America | $193 | $2,319 |
| Anchor General | $204 | $2,454 |
Cheapest car insurance with a speeding ticket in Virginia
Speeding violations in Virginia can impact your insurance rates. Even if the offense seems small, it reflects a lapse in safe driving practices and insurers track such incidents and factor them into your renewal reviews. The more frequent the tickets, the higher the potential costs.
Below are the five cheapest auto insurance companies in Virginia for drivers with a speeding ticket.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $178 | $2,141 |
| Bluefire | $198 | $2,377 |
| National General | $249 | $2,989 |
| Electric | $274 | $3,287 |
| Progressive | $286 | $3,435 |
Cheapest car insurance after an at-fault accident with no injury in Virginia
Being at fault in a non-injury accident in Virginia still carries financial implications. Property damage claims suggest risk and can influence your premiums since insurers document these events carefully. They often lead to policy changes or adjustments in pricing.
These are the five cheapest car insurance companies in Virginia for drivers with an at-fault accident with no injury on their record, according to Jerry data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $226 | $2,712 |
| National General | $254 | $3,046 |
| Assurance America | $293 | $3,511 |
| Progressive | $305 | $3,661 |
| Electric | $308 | $3,691 |
Cheapest auto insurance after an at-fault accident with injury in Virginia
In Virginia, accidents involving injuries where you are at fault significantly affect your insurance status. These incidents are seen as high-risk and expensive and insurers typically update your rates and revise coverage availability. The consequences often remain for years on your driving record.
Below are the five cheapest car insurance companies in Virginia for drivers with an at-fault accident with injury on their record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $230 | $2,754 |
| Progressive | $260 | $3,117 |
| Dairyland | $269 | $3,231 |
| Electric | $283 | $3,391 |
| ROOT | $304 | $3,653 |
Cheapest car insurance with a DUI in Virginia
A DUI in Virginia marks a serious breach of driving safety. Insurers respond with higher rates and limited policy flexibility. It signals long-term risk and can reduce your insurance options and recovery from such an infraction takes time and consistent good driving behavior.
These are the five cheapest companies after a DUI in Virginia, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $164 | $1,967 |
| National General | $170 | $2,039 |
| Trexis | $199 | $2,387 |
| Dairyland | $202 | $2,430 |
| Assurance America | $258 | $3,094 |
Average auto insurance costs for Virginia drivers with other violations
Other violations in Virginia — like failing to yield or illegal U-turns — are also factored into your insurance cost. These infractions suggest unpredictability behind the wheel and providers use them to calculate your overall risk score. Fewer violations keep your premiums lower.
Here are the average car insurance costs for other violations in Virginia.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $380 | $4,556 |
| Cell Phone | $335 | $4,021 |
| Defective Equipment | $246 | $2,951 |
| Driving on Sus. License | $241 | $2,886 |
| Failure to Obey Traffic Sign | $296 | $3,556 |
Cheapest auto insurance for low credit scores in Virginia
Virginia insurance companies often include credit scores when determining risk. A poor credit history may lead to rate increases or fewer plan choices. This reflects how insurers interpret overall reliability as good financial habits support better insurance outcomes.
These are the five cheapest car insurance companies for Virginia drivers with a credit score of below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $126 | $1,518 |
| National General | $214 | $2,567 |
| Assurance America | $245 | $2,934 |
| Progressive | $275 | $3,301 |
| Gainsco | $285 | $3,419 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Virginia
Don’t assume that your current insurer is offering you the cheapest possible rate when your policy renews. The best way to find cheap car insurance in Virginia is to compare quotes from multiple insurers at least once per year. And be sure to ask about discounts.
Factors that determine your car insurance premium
Rates vary widely between drivers, so what you pay for car insurance may not be what your friend or neighbor pays.
Insurers in Virginia use multiple variables to determine a driver’s risk profile, including:
- ZIP code.
- Age.
- Driving record.
- Claims history.
- Marital status.
- Vehicle type.
- Deductible.
- Credit score.
FAQ
-
Do you have to have car insurance in Virginia?
-
Do you need insurance to register a car in Virginia?
-
What’s the average car insurance cost in Virginia?
Methodology
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.
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.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
