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Last updated: March 19, 2025
Compare Cheap Auto Insurance in Virginia
USAA and Erie offer the cheapest auto insurance rates in Virginia for many drivers. Travelers, State Farm and GEICO are also competitive.
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Drivers in Virginia can expect to pay $1,766 per year for full-coverage auto insurance, which is 26 percent less than the national average of $2,399. Minimum coverage in Virginia costs $790 per year or $66 per month. This is about 24 percent higher than the national average minimum coverage rate of $635 per year.
Overview
- The average cost of full-coverage auto insurance in Virginia is $1,766 per year. The average annual minimum coverage cost is $790.
- USAA is the cheapest provider in most categories, though its availability is limited to the military community. Erie is often next cheapest and available regardless of military affiliation; it also maintains high customer satisfaction scores.
- Travelers also offers consistently lower-than-average rates in Virginia.
Jump to:
- Cheapest full-coverage auto insurance in Virginia: USAA ($1,037 annually) and Erie ($1,152 annually)
- Cheapest minimum coverage auto insurance in Virginia: USAA ($480 annually) and Travelers ($520 annually)
- Cheapest with a speeding ticket in Virginia: USAA ($1,383 annually) and Erie ($1,474 annually)
- Cheapest with a teen driver in Virginia: Erie ($3,269 annually) and USAA ($3,382 annually)
- Cheapest with an at-fault accident in Virginia: USAA ($1,589 annually) and State Farm ($1,742 annually)
- Cheapest with a DUI in Virginia: Travelers ($1,976 annually) and USAA ($2,105 annually)
- Cheapest with low credit in Virginia: USAA ($1,787 annually) and GEICO ($2,017 annually)
Cheapest Car Insurance in Virginia for Full Coverage: USAA
At $1,037 per year ($86 per month), USAA offers the cheapest full-coverage auto insurance rates in Virginia. This is around 40 percent less than the statewide full coverage average of $1,766 annually. For those with no military affiliation — USAA is available only to military members and their families — Erie ($1,152 annually) and Travelers ($1,214) are the next cheapest providers.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| USAA | $1,037 | $86 |
| Erie | $1,152 | $96 |
| Travelers | $1,214 | $101 |
| Nationwide | $1,317 | $110 |
| GEICO | $1,476 | $123 |
| State Farm | $1,578 | $132 |
| Progressive | $1,918 | $160 |
| Virginia average | $1,766 | $147 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Virginia for Minimum Coverage: USAA
USAA ($480 annually) and Travelers ($520 annually) offer the cheapest minimum coverage policies for Virginia drivers. A minimum coverage policy from USAA is approximately 39 percent less than the statewide average of $790 annually. A minimum coverage policy from Traveler’s costs $520 per year, which is 34 percent less than the state average.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| USAA | $480 | $40 |
| Travelers | $520 | $43 |
| GEICO | $594 | $49 |
| Erie | $618 | $52 |
| State Farm | $674 | $56 |
| Progressive | $868 | $72 |
| Nationwide | $981 | $82 |
| Allstate | $1,338 | $112 |
| Virginia average | $790 | $66 |
| National average | $635 | $53 |
Cheapest Car Insurance in Virginia With a Speeding Ticket: USAA
A speeding ticket in Virginia increases your rates by 11 percent on average. USAA ($1,383 annually) offers the cheapest full-coverage auto insurance with a speeding ticket, 27 percent less than the Virginia average. Erie ($1,474 annually) also offers affordable rates for drivers with a speeding ticket.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| USAA | $1,383 | $115 |
| Erie | $1,474 | $123 |
| Travelers | $1,574 | $131 |
| State Farm | $1,616 | $135 |
| GEICO | $2,098 | $175 |
| Nationwide | $2,262 | $189 |
| Progressive | $2,522 | $210 |
| Virginia average | $1,909 | $159 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Virginia for Teen Drivers: Erie
Erie’s annual full coverage rate with a teen is $3,269 or 26 percent less than the national average; that’s why we named Erie the best auto insurance in Virginia for teen drivers. USAA and GEICO also offer affordable rates for households with teens, with average annual policies at $3,382 and $3,601, respectively.
| Provider | Annual With Teen Driver | Monthly With Teen Driver |
|---|---|---|
| Erie | $3,269 | $272 |
| USAA | $3,382 | $282 |
| GEICO | $3,601 | $300 |
| Travelers | $3,768 | $314 |
| State Farm | $5,126 | $427 |
| Nationwide | $5,633 | $469 |
| Progressive | $9,009 | $751 |
| Virginia average | $4,445 | $370 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Virginia With an At-Fault Accident: USAA
In Virginia, an at-fault accident will raise your auto insurance rates by about $600 each year. USAA offers the cheapest full coverage rates in Virginia for those with an accident on their record. Its average policy cost is 32 percent less than the statewide average at $1,589. State Farm also offers low rates, with an average annual cost of $1,742.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| USAA | $1,589 | $132 |
| State Farm | $1,742 | $145 |
| Travelers | $1,794 | $149 |
| Erie | $1,840 | $153 |
| GEICO | $2,179 | $182 |
| Nationwide | $2,317 | $193 |
| Progressive | $2,878 | $240 |
| Virginia average | $2,359 | $197 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Virginia With a DUI: Travelers
With an average annual policy cost of $1,976 for full coverage, Travelers offers the cheapest rates in Virginia for drivers with a DUI. This is 26 percent less than the statewide average policy cost of $2,703. USAA ($2,105 annually) and Erie ($2,311) also offer lower-than-average rates for drivers with a DUI.
| Provider | Annual with DUI | Monthly with DUI |
|---|---|---|
| Travelers | $1,976 | $165 |
| USAA | $2,105 | $175 |
| Erie | $2,311 | $193 |
| Progressive | $2,444 | $204 |
| State Farm | $2,596 | $216 |
| GEICO | $2,937 | $245 |
| Nationwide | $2,919 | $243 |
| Virginia average | $2,703 | $225 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Virginia With a Low Credit: USAA
In Virginia, a low credit score will increase auto insurance rates by an average of 53 percent. USAA offers the cheapest full coverage rates for drivers with poor credit — its rate of $1,787 is on par with the Virginia average for drivers with good credit. GEICO ($2,017 annually) and Nationwide ($2,068 annually) also offer cheaper average rates for drivers with less-than-stellar credit histories.
| Provider | Annual With Low Credit | Monthly With Low Credit |
|---|---|---|
| USAA | $1,787 | $149 |
| GEICO | $2,017 | $168 |
| Nationwide | $2,068 | $172 |
| Travelers | $2,240 | $187 |
| Erie | $2,603 | $217 |
| Progressive | $2,844 | $237 |
| State Farm | $3,776 | $315 |
| Virginia average | $2,705 | $225 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in Virginia: USAA and Erie
USAA’s J.D. Power Claims and Customer Satisfaction scores are the highest of our cheapest providers in Virginia. On the less positive end of the scale, its score from the CRASH Network Insurer Report Card is the lowest. Erie’s scores are consistently high across all third-party providers.
| Provider | Mid-Atlantic Customer Satisfaction (J.D. Power)2 | Claims Satisfaction (J.D. Power)3 | CRASH Network Insurer Report Card4 |
|---|---|---|---|
| USAA | 743 | 726 | D+ |
| Erie | 713 | 733 | A- |
| State Farm | 652 | 710 | C- |
| GEICO | 647 | 692 | C- |
| Nationwide | 642 | 728 | C |
| Travelers | 628 | 684 | C |
| Progressive | 624 | 672 | C |
| Average | 654 | 697 | C |
How to Find the Cheapest Car Insurance Rates in Virginia
- Bundle your policies: Most auto insurance providers offer bundling discounts when you purchase multiple policies with them. These discounts typically apply when you combine auto insurance with homeowners, renters, motorcycle or life insurance.
- Increase your deductible: Increasing your comprehensive and collision deductibles will lower your premium. However, it means higher out-of-pocket costs before your coverage kicks in if you file a claim. If you choose to go this route, make sure you can afford to pay a higher deductible.
- Apply discounts: Most auto insurance providers offer plenty of discounts, but the types of discounts offered can vary significantly from company to company. For example, some providers offer higher discounts for federal workers, while others may offer car insurance discounts for teens with good grades. Work with a local agent to determine if all available discounts are applied to your policy.
- Practice safe driving habits: Maintaining a clean driving record, with no recent at-fault accidents or violations, is one of the best ways to keep insurance rates low. If you do have a mark on your record, but generally drive safely, you can save by enrolling in a telematics program that tracks your driving habits with an app or device.
- Get multiple quotes: Each insurance company calculates rates slightly differently, so one company may quote you much lower than another. We recommend comparing quotes from at least three providers to get cheaper rates.
Average Auto Insurance Cost in Virginia by City
On average, Roanoke offers some of the lowest auto insurance rates among cities in Virginia, with an annual rate of $1,563. Norfolk’s rates are some of the highest, with an annual policy cost of $1,920. Prices in Portsmouth ($1,868 annually) and Alexandria ($1,821 annually) are also higher than the statewide average.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Roanoke | $1,563 | $130 |
| Lynchburg | $1,617 | $135 |
| Suffolk | $1,739 | $145 |
| Newport News | $1,752 | $146 |
| Chesapeake | $1,770 | $148 |
| Virginia Beach | $1,792 | $149 |
| Richmond | $1,816 | $151 |
| Alexandria | $1,821 | $152 |
| Portsmouth | $1,868 | $156 |
| Norfolk | $1,920 | $160 |
| Virginia average | $1,766 | $147 |
Minimum Car Insurance Requirements in Virginia
As of July 1, 2024, minimum coverage auto insurance is legally required in Virginia (before that, Virginians could pay a $500 uninsured motorist fee instead of carrying auto insurance).
The state requires liability coverage with the following minimum limits:
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000
FYI:
As of January 2025, Virginia’s legal auto insurance limits increased by $5,000 for property damage, $20,000 for bodily injury per person and $40,000 for bodily injury per accident.4
Minimum requirements are higher in Virginia compared to other states, but keep in mind that liability coverage only pays for the other party’s injuries and damages — not your own. We recommend increasing liability limits to 100/300/100 and adding full coverage (including uninsured motorist, comprehensive and collision) if you can afford it. If you loaned or leased your vehicle, your lender will likely require you to carry insurance above the state minimum.
Frequently Asked Questions
Which auto insurance company is the cheapest in Virginia?
USAA offers the cheapest full and minimum coverage rates in Virginia. Erie offers the second cheapest full coverage rates and Travelers offers the second cheapest minimum coverage rates.
How much is auto insurance per month in Virginia?
On average, auto insurance in Virginia costs $147 per month for a full coverage policy and $66 per month for a minimum coverage policy. Auto insurance in Virginia ranges from $49 per month to $370 and could cost even more or less, depending on your provider and driver profile.
What is the cheapest car insurance?
The cheapest auto insurance will vary significantly depending on your location, vehicle and driver profile. Generally, USAA, Erie and GEICO offer some of the most affordable auto insurance rates nationwide.
Why is car insurance so high in Virginia?
The cost of auto insurance has risen in recent years due to numerous factors including repair costs, accident rates and inflation. Auto insurance rates can also vary significantly based on your city, with Norfolk, Alexandria and Virginia Beach offering some of the most expensive policies in Virginia. Still, Virginia’s average full-coverage auto insurance rate is 26 percent lower than the national average rate of $2,399 per year.
Methodology
We analyze average auto insurance premiums in Virginia for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Insurance Requirements. Virginia Department of Motor Vehicles. (2025).
https://www.dmv.virginia.gov/vehicles/insurance-requirements
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