10 Best Auto Insurance Companies in Virginia for 2025 (Top Providers in VA)
State Farm, Nationwide, and Farmers are the best auto insurance companies in Virginia. The cheapest car insurance in Virginia starts at $30 a month. State Farm rewards safe drivers with additional discounts. Nationwide also has perks for claim-free drivers, and Farmers is great for roadside help on rural routes.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as ...
Licensed Insurance Agent
UPDATED: May 24, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 24, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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18,155 reviewsCompany Facts
Full Coverage in Virginia
A.M. Best
Complaint Level
Pros & Cons
18,155 reviews
3,071 reviewsCompany Facts
Full Coverage in Virginia
A.M. Best
Complaint Level
Pros & Cons
3,071 reviews
3,072 reviewsCompany Facts
Full Coverage in Virginia
A.M. Best
Complaint Level
Pros & Cons
3,072 reviewsThe best auto insurance companies in Virginia are State Farm, Nationwide, and Farmers. State Farm’s Drive Safe & Save works well for low-mileage drivers and even extends to cover insurance for DoorDash drivers and other rideshare workers.
Our Top 10 Picks: Best Auto Insurance Companies in Virginia| Company | Rank | A.M. Best | New Car Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A++ | 15% | Usage-Based | State Farm |
 | #2 | A+ | 15% | Multiple Policies | Nationwide |
 | #3 | A | 12% | Roadside Assistance | Farmers |
 | #4 | A++ | 10% | Federal Employees | Geico |
 | #5 | A++ | 10% | Military Families | USAA |
 | #6 | A+ | 10% | Online Shopping | Progressive |
 | #7 | A+ | 10% | Accident Forgiveness | Allstate |
 | #8 | A++ | 8% | Low Premiums | Travelers |
 | #9 | A++ | 8% | High-Risk Drivers | Auto-Owners |
 | #10 | A | 8% | Customizable Plans | Liberty Mutual |
Nationwide adds value with vanishing deductibles and generous multi-policy discounts, which are ideal for Virginia families looking to bundle and save.
Farmers rounds it out with glass repair and roadside assistance, smart choices for those driving rural backroads or dealing with unpredictable weather.
- The best VA auto insurance companies offer accident forgiveness for clean records
- State Farm includes affordable coverage for rideshare and teen drivers
- Rates start at $30 a month with the cheapest auto insurance companies in VA
Looking for full coverage that fits your needs? Use our free quote tool to compare the best auto insurance rates in Virginia.
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#1 – State Farm: Top Overall Pick
Pros
- Drive Safe & Save UBI: Virginia drivers who track their driving habits with an app can earn up to 30% off, and State Farm won’t raise rates for tracking bad driving.
- Affordable Rideshare Coverage: State Farm extends personal policies in Virginia to cover drivers while they work, only charging 15%-20% of the current premium for the add-on.
- New Car Discount: A 15% discount applies in Virginia for insuring vehicles less than three years old. See all discounts in our State Farm insurance review.
Cons
- Limited Digital Claims Tools: The digital auto insurance claims process in Virginia lacks live chat support or AI photo estimators.
- No Gap Coverage Option: Virginia drivers financing vehicles may need to purchase gap insurance from third parties.
#2 – Nationwide: Best for Multiple Policies
Pros
- Multi-Policy Discount: Virginia policyholders can save up to 20% when bundling home, renters, or motorcycle insurance. See why drivers choose it in our Nationwide insurance review.
- Vanishing Deductible: Virginia drivers reduce their deductible by $100 each year they go without filing an at-fault claim, up to $500.
- SmartRide Telematics: Safe Virginia drivers earn discounts up to 40% based on braking, acceleration, and nighttime driving.
Cons
- High Urban Monthly Rates: Drivers in Richmond and Virginia Beach often pay $55 to $65 more per month without Safe Driver discounts.
- Coverage Restrictions: Accident Forgiveness isn’t available in all Virginia ZIP codes and requires five clean driving years.
#3 – Farmers: Best for Roadside Assistance
Pros
- Towing and Roadside Help: Virginia drivers receive 24/7 roadside assistance, including lockout and fuel delivery services.
- Glass Repair Coverage: Farmers’ Full Windshield add-on benefits Virginia drivers affected by tree debris or hail damage.
- First Responder Discount: Firefighters, EMTs, and other qualifying first responders in Virginia save 18% on auto coverage.
Cons
- Youth Driver Surcharges: Virginia drivers under 25 pay up to 35% higher premiums, even with clean records. Explore everything you need to know about Farmers Insurance to get the best rates.
- Fewer Online Tools: Digital servicing in Virginia lacks real-time ID card delivery and interactive claim updates.
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#4 – Geico: Best for Federal Employees
Pros
- Federal Employee Discount: Civil servants in Virginia, including the DOJ, DOD, and military staff, receive exclusive Geico Eagle discounts.
- Accident Forgiveness Add-On: Virginia drivers with five clean years can purchase protection from first-at-fault increases.
- Top Financial Security: Geico’s A++ A.M. Best rating backs over 2 million Virginia policyholders with reliable claim support.
Cons
- Fewer In-Person Agents: Virginia’s rural areas, such as Wise and Alleghany counties, have limited agent access.
- No New Car Replacement: Geico policies in Virginia do not offer new vehicle replacement after total loss. Discover everything you need to know about Geico before picking a policy.
#5 – USAA: Best for Military Families
Pros
- Deployment Flexibility: Virginia military families can suspend coverage while deployed and reinstate without penalty.
- Lowest Rates in VA: USAA has the lowest Virginia car insurance rates for minimum and full coverage. Explore eligibility and policy perks in our USAA insurance review.
- Elite Financial Ranking: USAA’s A++ A.M. Best rating ensures payout dependability in Virginia, even during disasters.
Cons
- Strict Eligibility: Only active military, veterans, or their immediate families qualify for USAA auto coverage in Virginia.
- Sparse Branch Presence: Most Virginia policyholders must rely on an app or phone service with no retail locations.
#6 – Progressive: Best for Online Shopping
Pros
- Name Your Price Tool: Virginia drivers can set a budget and view tailored coverage options that fit within it. Get everything you need to know about Progressive here.
- Discounts for Online Quotes: Shopping for Virginia car insurance quotes online with Progressive can save drivers 7% on their premiums.
- Snapshot Mobile UBI: Eligible Virginia drivers can receive up to 30% off for consistent, low-risk driving behavior.
Cons
- Post-Claim Surcharges: One minor at-fault accident may raise Virginia auto insurance premiums by 15% or more.
- Discount Complexity: Not all discounts are automatic. For instance, bundling options like auto and renters may require proof of shared billing addresses in Virginia.
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#7 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Available in Virginia after enrolling, prevents rate hikes after the first at-fault accident. Get a full breakdown of coverage in our Allstate insurance review.
- Deductible Rewards: Virginia drivers get $100 off immediately and $100 more per claim-free year, up to $500.
- New Car Discount: Virginia drivers can save 10% immediately for driving a car that’s less than a year old.
Cons
- Above-Average Premiums: Without discounts, Virginia premiums start above $60 monthly for average-risk drivers.
- Limited Usage-Based Savings: Drivewise participation is optional and yields smaller discounts than rival UBI apps in Virginia.
#8 – Travelers: Best for Low Premiums
Pros
- Affordable Rates: Preferred drivers in Virginia with clean records pay around $50 monthly for minimum coverage, cheaper than Farmers and Nationwide.
- IntelliDrive Discount: Virginia drivers save up to 20% after 90 days of app-tracked driving with smooth braking habits.
- Accident Forgiveness Option: Travelers offers first-accident forgiveness in Virginia after five clean years, helping maintain lower rates.
Cons
- Post-App Rate Hikes: Aggressive braking or fast night driving during IntelliDrive in Virginia may trigger premium increases.
- No SR-22 Filings: High-risk drivers in Virginia needing SR-22 certification must look to other providers. Explore top features and policy options in our Travelers insurance review.
#9 – Auto-Owners: Best for High-Risk Drivers
Pros
- SR-22 Support: Auto-Owners files SR-22s for Virginia drivers with DUI, license suspensions, or court mandates.
- Agent Network: Over 180 independent agencies across Virginia provide tailored quotes and service. Discover discounts and service perks inside our Auto-Owners insurance review.
- Superior Claims Ratings: A++ A.M. Best rating reflects financial confidence and claim speed for Virginia incidents.
Cons
- Offline Quotes Only: Virginia drivers must visit or call agents to get accurate pricing, delaying comparisons.
- No Telematics Discounts: Drivers in Virginia can’t access savings for safe habits due to a lack of monitoring programs.
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#10 – Liberty Mutual: Best for Customizable Plans
Pros
- Customizable Add-Ons: Virginia auto insurance comes with unique add-ons, like better car replacement and lifetime repair guarantees.
- RightTrack Telematics: Virginia drivers can save up to 30% for good habits like moderate speed and gentle braking. Get premium breakdowns and perks in our Liberty Mutual insurance review.
- Reliable Claim Payment: Liberty Mutual’s A rating supports timely payouts for weather and collision events across Virginia.
Cons
- High Starting Premiums: Liberty Mutual is the most expensive provider on this list of Virginia auto insurance companies. Rates start at $89 per month for minimum coverage.
- Sparse Agent Support: Some Virginia regions lack Liberty Mutual representatives for local servicing needs.
Comparing Monthly Auto Insurance Rates in Virginia
Virginia car insurance rates can really vary depending on which company you go with and how much coverage you want.
Virginia Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $71 | $168 |
| $55 | $130 |
| $68 | $163 |
| $47 | $113 |
| $89 | $211 |
| $59 | $140 |
| $42 | $99 |
| $43 | $103 |
| $50 | $120 |
| $30 | $71 |
If you’re trying to keep costs low, USAA’s $71 full coverage is a great deal, especially for military families who want the cheapest car insurance options for drivers who want more than the basics.
State Farm is also easy on the wallet, starting at $43 a month, making it a smart pick if you’re after dependable coverage that won’t stretch your budget.
Virginia Auto Insurance Rates by Driver
If you’ve got a clean record, your car insurance in Virginia stays pretty reasonable. But one slip, like a ticket or accident, can cause your monthly bill to shoot up, and not by just a few bucks.
USAA and Progressive keep things low for safe drivers, with full coverage under $100 a month. But once a ticket shows up, Allstate jumps to $217 per month, which is a big hit to your wallet.
Had an accident? Farmers hikes monthly rates to $232, and that increase sticks around for years. That’s why knowing a few hacks to save money on car insurance can make a real difference, especially if your record’s less than perfect.
Virginia Auto Insurance Costs by Credit Score
You might not expect it, but your credit score can raise or lower your car insurance bill in Virginia, even if your driving record is spotless. This table breaks down how credit scores impact full coverage insurance rates in VA:
Virginia Auto Insurance Monthly Rates by Provider & Credit Score| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
 | $145 | $165 | $215 |
| $120 | $135 | $175 |
 | $135 | $155 | $200 |
| $115 | $130 | $165 |
 | $145 | $165 | $220 |
 | $125 | $140 | $180 |
| $130 | $150 | $190 |
| $120 | $135 | $170 |
| $128 | $145 | $185 |
 | $100 | $115 | $140 |
With good credit, State Farm and USAA offer the lowest monthly rates. Drop into fair credit territory, and you’ll see that same policy jump by $15 to $30 per month, depending on the insurer. Once your score slips into bad credit, the increases get steep.
For many drivers in Virginia, this means fewer affordable options and a harder time staying insured without stretching their budget. Exploring our guide to usage-based insurance might help drivers shift the focus back to how they actually drive instead of just their credit score.
Virginia Auto Insurance Rates by Model
In Virginia, your insurance rate doesn’t just depend on your driving — it depends on what you’re driving, too. Some cars cost more to insure because they cause more accidents or are more expensive to fix.
Virginia Auto Insurance Monthly Rates by Provider & Vehicle Type| Company | Sedan | SUV | Pickup Truck | Crossover | Minivan |
|---|---|---|---|---|---|
| $130 | $125 | $135 | $128 | $132 |
| $115 | $110 | $120 | $113 | $117 |
| $128 | $122 | $132 | $125 | $129 |
| $110 | $105 | $115 | $108 | $112 |
| $135 | $130 | $140 | $132 | $137 |
| $118 | $113 | $123 | $116 | $120 |
| $125 | $120 | $130 | $123 | $127 |
| $120 | $115 | $125 | $118 | $122 |
| $123 | $118 | $128 | $121 | $125 |
| $95 | $92 | $100 | $94 | $97 |
If you drive a pickup, you’ll likely pay more each month. USAA remains the cheapest company, but it’s only available to military members in Virginia. State Farm and Nationwide remain competitive, charging $123 and $125 per month for pick-ups, respectively.
With Farmers and Progressive, sedans tend to be priced higher than SUVs, which surprises a lot of drivers. So if you’re shopping for a new ride in Virginia, the type of vehicle you pick could change your monthly insurance more than you think. Knowing the best time to buy a new car could help you save even more upfront.
Virginia Auto Insurance Rates Depend on Local Risk
Car insurance rates in Virginia are influenced by local traffic trends, weather, and how often people file claims. These report card-style grades help explain why you’re paying what you’re paying with some Virginia car insurance companies.
Virginia Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | A- | Theft rates are low, helping keep premiums down. |
| Traffic Density | B+ | Urban congestion is balanced by rural areas. |
| Weather-Related Risk | B | Occasional storms cause moderate weather-related claims. |
| Average Claim Size | B | Claims are mid-range due to mix of urban and rural costs. |
| Uninsured Drivers Rate | C+ | Slightly above-average rate of uninsured drivers raises costs. |
Virginia scores an A- for vehicle theft, helping lower premiums in smaller cities like Roanoke. Traffic gets a B+ since rural roads offset city congestion. But the C+ for uninsured drivers pushes rates up in places like Richmond, where you’re more likely to be hit by someone without coverage.
Read More: How to File an Auto Insurance Claim & Win It Each Time
Auto Insurance Claim Trends in VA
Some types of car insurance claims pop up more often than others in Virginia, and they’re a big reason your premium is what it is. Rear-end collisions are the most common, making up 30% of claims and costing about $4,500 each, which pushes rates up even if you’re not at fault.
Virginia Auto Insurance Claim Types & Costs| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collision | 30% | $4,500 |
| Fender Bender | 25% | $2,000 |
| Single Vehicle Accident | 20% | $7,800 |
| Side-Impact Collision | 15% | $6,200 |
| Theft Claim | 10% | $9,000 |
Fender benders might seem minor, but they still average $2,000 and often lead to rate hikes. Theft isn’t as common, but when it happens, it costs insurers around $9,000 per claim, and those losses get passed on to policyholders, especially in cities like Richmond or Norfolk.
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Where you live in Virginia plays a bigger role in your car insurance rate than most people realize. Insurers look closely at how many crashes and claims happen in your area, and the difference from one city to the next can be huge.
Accidents & Claims per Year in Virginia by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Alexandria | 3,700 | 3,000 |
| Arlington | 3,500 | 2,800 |
| Chesapeake | 4,800 | 3,900 |
| Hampton | 3,900 | 3,100 |
| Newport News | 4,300 | 3,400 |
| Norfolk | 6,100 | 4,900 |
| Portsmouth | 2,800 | 2,200 |
| Richmond | 6,900 | 5,600 |
| Roanoke | 2,600 | 2,000 |
| Virginia Beach | 7,200 | 5,800 |
Virginia Beach sees the most action, with over 7,000 accidents and 5,800 claims each year, which helps explain why rates there tend to run high. Richmond and Norfolk aren’t far behind, with thousands of claims that drive up costs even for careful drivers. On the flip side, Roanoke has fewer than 2,000 claims a year, and that kind of low activity often leads to cheaper premiums for local drivers.
Learn More: Worst States For Filing an Auto Insurance Claim
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Best Auto Insurance Discounts in Virginia
Depending on your car, driving habits, or even where you live, some of these savings can stack up fast. These are the kinds of auto insurance discounts you can’t miss.
Auto Insurance Discounts From Top Providers in Virginia| Insurance Company | Anti-Theft | Bundling | Claims-Free | Good Driver | New Car |
|---|---|---|---|---|---|
| 10% | 25% | 10% | 25% | 10% |
| 12% | 16% | 10% | 25% | 8% |
| 10% | 20% | 9% | 30% | 12% |
| 25% | 25% | 12% | 26% | 10% |
| 35% | 25% | 8% | 20% | 8% |
| 5% | 20% | 14% | 40% | 15% |
| 25% | 10% | 10% | 30% | 10% |
| 15% | 17% | 11% | 25% | 15% |
| 15% | 13% | 13% | 10% | 8% |
| 15% | 10% | 20% | 30% | 10% |
Nationwide offers a huge 40% discount for safe drivers, which is a game-changer if you’ve gone years without a ticket or accident. Liberty Mutual gives a 35% off just for having anti-theft features, which is especially helpful in high-theft areas. USAA gives a rare 20% discount for going claims-free, something that really adds up for families who tend to play it safe.
If you’re a safe driver who rarely brakes hard or speeds, enrolling in a usage-based program could lead to the biggest long-term savings.
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If you own a home, Geico’s 25% bundling discount makes combining auto and property insurance a smart move. And if you’ve just bought a new car, Farmers 12% off can help balance out the cost of that new loan.
Best Auto Insurance Coverage in Virginia
In Virginia, auto insurance wasn’t always mandatory. New laws enacted in July 2024 now require drivers to carry minimum liability insurance, and those limits increased to 50/100/25 in July 2025. Virginia drivers must also carry 50/100/25 in uninsured/underinsured motorist protection.
Auto Insurance Coverage Options in Virginia| Coverage Type | Description |
|---|---|
| Liability Coverage | Covers others' injuries or damage if you're at fault. |
| Collision Coverage | Pays for your car’s damage from a crash. |
| Comprehensive Coverage | Covers non-crash damage like theft or weather. |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers you if the other driver has no or too little insurance. |
| Medical Payments (MedPay) | Pays medical bills for you and your passengers. |
| Gap Insurance | Pays the loan/lease balance if your car is totaled. |
| Towing & Labor Coverage | Pays for roadside help like towing or jump-starts. |
| Rental Reimbursement | Covers rental car while your car is in the shop. |
| Custom Equipment Coverage | Covers upgrades like custom wheels or stereos. |
| Rideshare Coverage | Adds protection when driving for Uber or Lyft. |
Liability coverage helps pay for the other person’s injuries or damage if you’re the one who caused the accident. Uninsured and underinsured motorist coverage kicks in if the other driver doesn’t have enough or any insurance to cover your damages.
In the event that your vehicle collides with an object, such as another vehicle, a pole, or even a guardrail, collision coverage helps cover the cost of repairs. Comprehensive coverage steps in for things like theft, hail, falling trees, or flooding. You can buy a full coverage policy to combine collision vs. comprehensive auto insurance with your minimum Virginia liability coverage.
MedPay takes care of your medical bills no matter who’s at fault, and gap insurance is a good idea if you’re still making payments on your car, since it covers the difference if your vehicle is totaled and worth less than what you owe. You may want to add towing and labor or custom equipment coverage. It’s all about building a policy that fits how you drive and what kind of protection makes you feel secure.
The Smartest Way to Save on Auto Insurance in Virginia
State Farm, Nationwide, and Farmers are the best auto insurance companies in Virginia because they offer real savings based on how you drive and what you drive. State Farm starts full coverage at $103 a month and offers up to 30% off with Drive Safe & Save, savings that can be passed on to rideshare coverage.
Nationwide gives a 40% usage-based discount for good drivers, which is one of the highest available. Farmers is a solid pick for new car owners, offering 12% off for recently purchased vehicles.
Rates in Virginia vary a lot, so the best move is to enter your ZIP code and compare auto insurance companies online to see who offers the best deal for your situation.
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Frequently Asked Questions
How do you lower auto insurance in Virginia?
Sign up for telematics programs like State Farm’s Drive Safe & Save or Nationwide’s SmartRide, improve your credit score, raise deductibles, bundle with home or renters insurance, and compare quotes online every few months to lower car insurance in Virginia.
What is the best auto insurance company in Virginia?
The best car insurance in Virginia often comes from State Farm and Nationwide for safe drivers using telematics.
Will auto insurance rates in Virginia go down?
Car insurance rates in Virginia are unlikely to go down due to rising repair costs, more frequent severe weather events, and increased uninsured motorist claims in areas like Portsmouth and Richmond. The growing use of traffic collision reconstruction in complex accidents is also leading to longer investigations and higher claim settlements, further driving up premiums.
Is State Farm a good auto insurance company in Virginia?
Yes, State Farm is a good car insurance company in Virginia, offering full coverage starting at $103 a month, up to 30% off through Drive Safe & Save, and a strong A++ A.M. Best financial strength rating.
What is the cheapest insurance in Virginia?
The cheapest car insurance in Virginia often comes from USAA for eligible military families, but non-military drivers can find low rates from State Farm and Progressive, with minimum coverage starting under $50 per month in some ZIP codes.
Why is auto insurance going up in Virginia?
Car insurance is going up in Virginia due to an increase in distracted driving accidents, rising labor and parts costs, and higher claims volume in cities like Virginia Beach, which sees over 7,000 accidents annually. Many drivers are also reassessing collision and comprehensive auto insurance as repair costs climb, with more opting for broader coverage to protect against both crashes and non-accident-related damage.
Which insurance provider has the greatest customer satisfaction rate in Virginia?
USAA ranks highest in customer satisfaction in Virginia but is limited to military families; Erie and State Farm also score well for customer service and claims handling, according to J.D. Power regional studies.
Is Geico auto insurance higher than Progressive in Virginia?
Who is cheaper in Virginia, Geico or Progressive? Geico is typically cheaper than Progressive for minimum coverage in Virginia, but Progressive may be lower for drivers with DUIs or long commutes when using its Snapshot program for custom rates.
Does AARP offer auto insurance in Virginia?
Yes, AARP offers car insurance in Virginia for seniors through The Hartford, providing unique benefits like RecoverCare coverage, which helps with household services after an accident, and a 12-month locked-in premium. Compare The Hartford vs. Auto Club Enterprises to learn more.
Which insurance company is best at paying claims in Virginia?
State Farm and USAA are best at paying claims in Virginia, with fast claims response times, strong financial backing, and low complaint ratios according to NAIC data.
Is State Farm cheaper than Erie auto insurance in Virginia?
State Farm is often cheaper than Erie in Virginia for drivers using Drive Safe & Save, but Erie can offer better base rates for experienced drivers with no tickets or accidents in the last five years.
Is Liberty Mutual a good insurance company in Virginia?
Liberty Mutual is a good choice in Virginia for drivers looking for custom parts coverage or high anti-theft discounts up to 35%.
What is the average auto insurance rate in VA?
The average car insurance rate in VA is around $103 per month for full coverage and $47 for minimum liability, though rates can be over $160 per month in urban areas like Norfolk or Alexandria. To find the best fit for your driving profile, it’s smart to get multiple auto insurance quotes and compare real-time rates side by side.
At what age is car insurance most expensive in Virginia?
Car insurance is most expensive in Virginia between the ages of 16 and 20, with teens often paying over $300 per month for full coverage. At what age should your auto insurance go down in Virginia? Rates typically drop around age 25, especially if you’ve kept a clean record and built a good credit score, both of which heavily impact your rate.
What is the best auto insurance in Virginia for young drivers?
State Farm offers the best car insurance in Virginia for young drivers with up to 25% off for good students and extra savings through Drive Safe & Save. Geico is also a top choice for low base rates and family policy discounts. Discover which Virginia insurers offer lower rates when you enter your ZIP code.
Should you shop for auto insurance every year in Virginia?
Yes, you should shop car insurance every year in Virginia, especially if your driving habits, credit score, or ZIP code have changed—this helps ensure you’re not missing out on better deals or new discounts. It’s also important to understand what happens if you cancel your auto insurance, as even a short lapse in coverage can lead to penalties, higher rates, or legal issues.
Should you keep old auto insurance in Virginia?
Only keep your old car insurance in Virginia if it still offers competitive rates and discounts; otherwise, review your policy annually and compare it to new quotes to avoid overpaying.
Which insurance is best for a car after 10 years in Virginia?
For cars older than 10 years, liability-only policies from Geico or State Farm are often best in Virginia, especially if the vehicle’s value is less than the annual premium plus deductible. Drivers in this situation should carefully evaluate their needs before they buy auto insurance to avoid overpaying for coverage they’re unlikely to use.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
