How to Compare Car Insurance Rates 2025
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheap Car Insurance in Virginia (2025)

Updated on:
Content was accurate at the time of publication.

Best cheap car insurance in Virginia

$1,256/year
Cheap full coverage: Farm Bureau
Farm Bureau logo
$1,489/year
Cheapest with a ticket: Travelers
Travelers logo
$1,390/year
Best after an accident: State Farm
State Farm logo
$2,118/year
Cheapest for bad credit: Geico
Geico logo
+
More Options

Find the Cheapest Car Insurance Quotes in Virginia

Virginia Farm Bureau has the cheapest full-coverage car insurance rates in Virginia at $1,256 a year, or $105 a month. This is 25% cheaper than the state average of $1,684 a year, or $140 a month.

State Farm, Geico and Erie all have average full-coverage insurance Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. rates of around $117 a month. Geico offers the most discounts of these four companies, and if you qualify for a few of them it could make Geico your cheapest option.

USAA is cheaper than all of them, with rates that average $95 a month, but only members of the military and their families can buy from USAA.

Cheapest car insurance companies in Virginia

Best cheap full-coverage insurance companies

CompanyAnnual rateLendingTree score
farm bureau logoFarm Bureau$1,2564 stars
state farm logoState Farm$1,3904.5 stars
geico logoGeico$1,4013.5 stars
erie insurance logoErie$1,4054 stars
travelers logoTravelers$1,4894.5 stars
nationwideNationwide$1,7923 stars
progressive logoProgressive$2,0414 stars
allstate logoAllstate$3,2433 stars
usaa logoUSAA*$1,1404 stars

At $504 a year, or $42 a month, Farm Bureau has Virginia’s cheapest liability insurance. This is 41% less than the state average of $858 a year, or $72 a month.

State Farm, Erie, Travelers and Geico are close behind Farm Bureau, with average liability insurance Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. rates of between $53 and $59 a month.

Of these companies, Erie has the best customer satisfaction score from J.D. Power. Farm Bureau and State Farm have scores that are better than average, while Geico’s and Travelers’ are worse.

Cheapest liability-only car insurance companies

CompanyAnnual rate
Farm Bureau$504
State Farm$631
Erie$653
Travelers$676
Geico$710
Nationwide$1,180
Progressive$1,252
Allstate$1,640
USAA*$473

Find the Cheapest Car Insurance Quotes in Virginia

Farm Bureau has the cheapest car insurance for young drivers who want full-coverage ($2,704 a year) and liability ($1,353 a year) policies in Virginia. Both rates are about half the state average.

Erie has the second-cheapest liability rates for most young drivers in Virginia at $1,443 a year. Geico is second for full coverage at $3,225 a year.

To find the cheapest rates for young drivers in Virginia, compare car insurance quotes from all three companies before you buy or renew a policy.

Cheapest car insurance rates for young drivers

CompanyLiability onlyFull coverage
Farm Bureau$1,353$2,704
Erie$1,443$3,278
Geico$1,674$3,225
Travelers$1,747$3,839
State Farm$2,059$4,179
Allstate$3,565$7,633
Nationwide$4,313$6,639
Progressive$5,723$9,386
USAA*$1,219$2,870

For the cheapest car insurance with a speeding ticket on your driving record in Virginia, get quotes from Travelers and State Farm. Both companies have an average rate of $124 a month for full-coverage policies after a ticket.

The state average for drivers with a speeding ticket is $174 a month, or $2,083 a year. Travelers and State Farm are around one-third cheaper.

State Farm has a much better customer satisfaction score from J.D. Power than Travelers. Both companies have good complaint ratings from the National Association of Insurance Commissioners (NAIC), though.

Travelers offers a few coverage options State Farm doesn’t, like With accident forgiveness, your first accident does not make your car insurance rate go up. You have to add it to your policy before you get into an accident, and it usually costs extra.[/tooltip.

Cheap auto insurance quotes with a speeding ticket

CompanyAnnual rate
Travelers$1,489
State Farm$1,491
Erie$1,589
Farm Bureau$1,589
Geico$1,992
Nationwide$2,350
Progressive$2,688
Allstate$4,180
USAA*$1,382

State Farm has the cheapest car insurance rates after an accident in Virginia at $1,390 a year. This is 48% cheaper than the state average of $2,676 a year.

Farm Bureau has the next-cheapest rates after an accident at $1,590 a year.

In Virginia, most drivers see their car insurance premiums go up about 59% after an at-fault accident.

Cheapest car insurance after an accident

CompanyAnnual rate
State Farm$1,390
Farm Bureau$1,590
Travelers$2,125
Erie$2,171
Geico$2,609
Nationwide$2,845
Progressive$3,190
Allstate$6,542
USAA*$1,626

Teens with a bad driving record get the cheapest car insurance from Farm Bureau and Travelers in Virginia.

  • Farm Bureau has the state’s cheapest average rates for teens after an accident at $1,543 a year, or $129 a month.
  • Travelers has the cheapest insurance for teens with a speeding ticket on their records at $1,747 a year, or $146 a month.

Teen drivers with a ticket on their records should get quotes from Erie and Farm Bureau as well as Travelers. All three companies have average rates of around $147 a month for these drivers.

Cheapest teen car insurance after a ticket or accident

CompanyTicketAccident
Travelers$1,747$2,556
Erie$1,761$2,090
Farm Bureau$1,775$1,543
Geico$2,171$2,931
State Farm$2,250$2,059
Nationwide$4,589$4,716
Allstate$4,717$7,853
Progressive$5,903$6,031
USAA*$1,816$2,163

Find the Cheapest Car Insurance Quotes in Virginia

At $1,753 a year, Farm Bureau is the cheapest DUI insurance company in Virginia. This is 44% less than the state average of $3,110 a year.

Travelers has the state’s second-cheapest DUI insurance rates at $2,353 a year.

Virginia drivers usually see their car insurance premiums increase about 85% after a DUI (driving under the influence) conviction.

Cheapest car insurance after a DUI

CompanyAnnual rate
Farm Bureau$1,753
Travelers$2,353
Progressive$2,842
Erie$2,961
Geico$3,501
State Farm$3,624
Nationwide$3,750
Allstate$4,961
USAA*$2,242

Geico has the cheapest car insurance for poor credit in Virginia, with an average rate of $2,118 a year.

Farm Bureau is second at $2,434 a year, and Nationwide and Travelers aren’t too far behind.

The average cost of car insurance with bad credit is $3,077 a year in Virginia. This is 83% more than what drivers with good credit pay.

Cheap car insurance with poor credit

CompanyAnnual rate
Geico$2,118
Farm Bureau$2,434
Nationwide$2,528
Travelers$2,645
Erie$3,256
Progressive$3,278
Allstate$3,956
State Farm$5,444
USAA*$2,037

Farm Bureau and State Farm are Virginia’s best car insurance companies, based on their low rates, good customer service scores and helpful websites.

Farm Bureau’s car insurance rates are often cheaper than State Farm’s, but not always and usually not by much.

State Farm offers more discounts than Farm Bureau does. If you qualify for a few of them, State Farm could be your cheapest option.

Virginia car insurance company ratings

CompanyJ.D. Power**AM BestLendingTree
Allstate635A+3 stars
Erie700A+4 stars
Farm Bureau673A4 stars
Geico637A++3.5 stars
Nationwide641A3 stars
Progressive622A+4 stars
State Farm657A++4.5 stars
Travelers616A++4.5 stars
USAA*739A++4 stars

*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.

Get a quote from Erie as you shop for car insurance in Virginia as well. Erie doesn’t offer the cheapest rates for any driver or coverage type, but they’re often pretty low.

Also, Erie has the best customer satisfaction score of any company we surveyed in Virginia.

The cheapest city or town in Virginia for car insurance is Dayton. Drivers there pay an average rate of $1,399 a year for full-coverage policies. This is 17% cheaper than the state average ($1,684 a year).

The Washington, D.C. suburb of Lincolnia has Virginia’s highest car insurance rate at $2,111 a year.

The average cost of car insurance in Virginia’s biggest cities and suburbs:

  • Virginia Beach, $1,840 a year
  • Chesapeake, $1,825 a year
  • Arlington, $1,834 a year
  • Norfolk, $1,999 a year
  • Richmond, $1,891 a year

Car insurance rates near you

CityAnnual rate% from average
Abingdon$1,478-12%
Accomac$1,659-2%
Achilles$1,650-2%
Adwolf$1,517-10%
Afton$1,6951%
Alberta$1,7343%
Aldie$1,90713%
Alexandria$1,98918%
Altavista$1,578-6%
Alton$1,7172%
Amelia Court House$1,8419%
Amherst$1,608-5%
Amissville$1,7755%
Ammon$1,7464%
Amonate$1,621-4%
Andover$1,552-8%
Annandale$2,05822%
Appalachia$1,546-8%
Appomattox$1,611-4%
Aquia Harbour$1,8309%
Ararat$1,587-6%
Ark$1,663-1%
Arlington$1,8349%
Aroda$1,7313%
Arrington$1,678-1%
Arvonia$1,7896%
Ashburn$1,7795%
Ashland$1,7212%
Assawoman$1,655-2%
Atkins$1,511-10%
Atlantic$1,656-2%
Augusta Springs$1,540-9%
Austinville$1,545-8%
Axton$1,7051%
Aylett$1,7343%
Bacova$1,507-11%
Bailey's Crossroads$2,09024%
Banco$1,6981%
Bandy$1,598-5%
Barboursville$1,7212%
Barhamsville$1,641-3%
Barren Springs$1,591-6%
Baskerville$1,646-2%
Bassett$1,630-3%
Bastian$1,631-3%
Basye$1,486-12%
Batesville$1,653-2%
Battery Park$1,7393%
Bealeton$1,7796%
Beaumont$1,8188%
Beaverdam$1,7443%
Bedford$1,647-2%
Bee$1,635-3%
Belle Haven$1,87311%
Bellwood$1,8309%
Belmont$1,7735%
Belspring$1,536-9%
Belview$1,440-15%
Ben Hur$1,613-4%
Bena$1,652-2%
Benns Church$1,7272%
Bensley$1,89512%
Bent Mountain$1,617-4%
Bentonville$1,641-3%
Bergton$1,428-15%
Berryville$1,621-4%
Bethel Manor$1,7343%
Big Island$1,6830%
Big Rock$1,6890%
Big Stone Gap$1,563-7%
Birchleaf$1,661-1%
Birdsnest$1,640-3%
Bishop$1,617-4%
Blacksburg$1,422-16%
Blackstone$1,7614%
Blackwater$1,635-3%
Blairs$1,7192%
Bland$1,572-7%
Bloxom$1,639-3%
Blue Grass$1,547-8%
Blue Ridge$1,577-6%
Bluefield$1,639-3%
Bluemont$1,7192%
Bohannon$1,637-3%
Boissevain$1,639-3%
Bon Air$1,7997%
Boones Mill$1,648-2%
Boonesville$1,6961%
Boston$1,7152%
Bowling Green$1,7122%
Boyce$1,603-5%
Boydton$1,654-2%
Boykins$1,7081%
Bracey$1,622-4%
Brambleton$1,7876%
Branchville$1,7111%
Brandermill$1,7906%
Brandy Station$1,7594%
Breaks$1,6810%
Bremo Bluff$1,7484%
Bridgewater$1,425-15%
Brightwood$1,7122%
Bristol$1,506-11%
Bristow$1,8248%
Broad Run$1,8208%
Broadford$1,565-7%
Broadlands$1,7926%
Broadway$1,407-17%
Brodnax$1,677-1%
Brooke$1,7926%
Brookneal$1,6830%
Brownsburg$1,551-8%
Brucetown$1,593-6%
Bruington$1,6940%
Buchanan$1,603-5%
Buckhall$1,88612%
Buckingham$1,7635%
Buena Vista$1,503-11%
Buffalo Junction$1,659-2%
Bull Run$1,86310%
Bumpass$1,7645%
Burgess$1,576-7%
Burke$2,00019%
Burke Centre$1,99819%
Burkes Garden$1,643-3%
Burkeville$1,7403%
Burnsville$1,511-10%
Burr Hill$1,7363%
Callands$1,7695%
Callao$1,589-6%
Callaway$1,7031%
Calverton$1,8037%
Camptown$1,6991%
Cana$1,546-8%
Cape Charles$1,672-1%
Capeville$1,657-2%
Capron$1,7182%
Cardinal$1,667-1%
Caret$1,6820%
Carrollton$1,7423%
Carrsville$1,7091%
Carson$1,7765%
Cartersville$1,8419%
Casanova$1,8087%
Cascade$1,7363%
Cascades$1,8178%
Castleton$1,7584%
Castlewood$1,593-6%
Catawba$1,543-9%
Catharpin$1,88112%
Catlett$1,8198%
Cave Spring$1,566-7%
Cedar Bluff$1,584-6%
Center Cross$1,634-3%
Centreville$1,95016%
Ceres$1,568-7%
Chamberlayne$1,8329%
Champlain$1,630-3%
Chantilly$1,91414%
Charles City$1,7152%
Charlotte Court House$1,7252%
Charlottesville$1,651-2%
Chase City$1,658-2%
Chatham$1,6961%
Chatmoss$1,645-2%
Check$1,6910%
Cheriton$1,659-2%
Cherry Hill$1,98518%
Chesapeake$1,8258%
Chester$1,7886%
Chester Gap$1,7423%
Chesterfield$1,7967%
Chilhowie$1,511-10%
Chincoteague$1,645-2%
Chincoteague Island$1,646-2%
Christchurch$1,6790%
Christiansburg$1,438-15%
Church Road$1,7836%
Church View$1,639-3%
Churchville$1,502-11%
Claremont$1,7323%
Clarksville$1,674-1%
Claudville$1,581-6%
Claypool Hill$1,599-5%
Clear Brook$1,581-6%
Cleveland$1,622-4%
Clifford$1,608-5%
Clifton$1,96517%
Clifton Forge$1,470-13%
Clinchco$1,637-3%
Clintwood$1,641-3%
Clover$1,6961%
Cloverdale$1,556-8%
Cluster Springs$1,6930%
Cobbs Creek$1,627-4%
Coeburn$1,586-6%
Coleman Falls$1,629-3%
Coles Point$1,678-1%
Collinsville$1,640-3%
Colonial Beach$1,7212%
Colonial Heights$1,7725%
Columbia$1,8258%
Concord$1,624-4%
Copper Hill$1,6920%
Corbin$1,7061%
Countryside$1,8198%
County Center$1,98418%
Courtland$1,7001%
Covesville$1,653-2%
Covington$1,494-11%
Craddockville$1,658-2%
Craigsville$1,540-9%
Crewe$1,7524%
Criders$1,447-14%
Crimora$1,482-12%
Cripple Creek$1,561-7%
Critz$1,620-4%
Crockett$1,533-9%
Cross Junction$1,584-6%
Crosspointe$2,00819%
Crozet$1,669-1%
Crozier$1,8148%
Crystal Hill$1,7303%
Cullen$1,7101%
Culpeper$1,7172%
Cumberland$1,85010%
Dahlgren$1,7031%
Dahlgren Center$1,7152%
Dale City$1,96216%
Daleville$1,582-6%
Damascus$1,488-12%
Dante$1,632-3%
Danville$1,6981%
Davenport$1,651-2%
Davis Wharf$1,673-1%
Dayton$1,399-17%
Deerfield$1,518-10%
Delaplane$1,7695%
Deltaville$1,611-4%
Dendron$1,7564%
Dewitt$1,7846%
Diggs$1,615-4%
Dillwyn$1,7967%
Dinwiddie$1,7785%
Disputanta$1,7373%
Doe Hill$1,546-8%
Dogue$1,7232%
Dolphin$1,7262%
Dooms$1,493-11%
Doran$1,611-4%
Doswell$1,7453%
Drakes Branch$1,6870%
Dranesville$1,8419%
Draper$1,562-7%
Drewryville$1,7262%
Dry Fork$1,7383%
Dryden$1,604-5%
Dublin$1,517-10%
Duffield$1,616-4%
Dugspur$1,587-6%
Dulles$1,8158%
Dulles Town Center$1,8349%
Dumbarton$1,8037%
Dumfries$1,95816%
Dundas$1,7051%
Dungannon$1,614-4%
Dunn Loring$1,90013%
Dunnsville$1,653-2%
Dutton$1,640-3%
Dyke$1,6961%
Eagle Rock$1,561-7%
Earlysville$1,6780%
East Highland Park$1,98518%
East Lexington$1,519-10%
East Stone Gap$1,577-6%
Eastville$1,663-1%
Ebony$1,6800%
Edinburg$1,447-14%
Edwardsville$1,605-5%
Eggleston$1,569-7%
Elberon$1,7504%
Elk Creek$1,566-7%
Elkton$1,477-12%
Elkwood$1,7544%
Elliston$1,527-9%
Emory$1,499-11%
Emporia$1,7232%
Enon$1,8037%
Esmont$1,7001%
Etlan$1,6900%
Ettrick$1,7936%
Evergreen$1,618-4%
Evington$1,610-4%
Ewing$1,666-1%
Exmore$1,651-2%
Faber$1,6870%
Fair Lakes$1,92614%
Fair Oaks$1,90813%
Fairfax$1,94415%
Fairfax Station$1,98818%
Fairfield$1,519-10%
Fairlawn$1,457-14%
Falls Church$1,96316%
Falls Mills$1,629-3%
Falmouth$1,7202%
Fancy Gap$1,537-9%
Farmville$1,676-1%
Farnham$1,595-5%
Ferrum$1,663-1%
Fieldale$1,625-4%
Fincastle$1,586-6%
Fishers Hill$1,505-11%
Fishersville$1,463-13%
Fleet$2,03921%
Flint Hill$1,7836%
Floris$1,88612%
Floyd$1,644-3%
Ford$1,7866%
Forest$1,638-3%
Fork Union$1,7383%
Fort Belvoir$2,04221%
Fort Blackmore$1,599-5%
Fort Defiance$1,473-13%
Fort Eustis$1,7785%
Fort Gregg Adams$1,7594%
Fort Hunt$1,98418%
Fort Lee$1,7604%
Fort Mitchell$1,7041%
Fort Monroe$1,8459%
Fort Myer$1,86110%
Fort Valley$1,509-11%
Foster$1,623-4%
Franconia$2,01319%
Franklin$1,6991%
Franklin Farm$1,89512%
Franktown$1,661-1%
Fredericksburg$1,7252%
Free Union$1,660-2%
Freeman$1,7041%
Fries$1,527-9%
Front Royal$1,603-5%
Fulks Run$1,427-15%
Gainesville$1,8158%
Galax$1,523-10%
Gargatha$1,636-3%
Gasburg$1,6890%
Gate City$1,627-4%
George Mason$1,96316%
Glade Hill$1,7001%
Glade Spring$1,499-11%
Gladstone$1,629-3%
Gladys$1,622-4%
Glasgow$1,524-10%
Glen Allen$1,7614%
Glen Lyn$1,577-6%
Glen Wilton$1,565-7%
Gloucester$1,663-1%
Gloucester Courthouse$1,661-2%
Gloucester Point$1,651-2%
Goldvein$1,8017%
Goochland$1,8429%
Goode$1,636-3%
Goodview$1,6880%
Gordonsville$1,7645%
Gore$1,586-6%
Goshen$1,549-8%
Great Falls$1,94615%
Green Bay$1,7272%
Greenbackville$1,617-4%
Greenbriar$1,91313%
Greenbush$1,669-1%
Greenville$1,510-10%
Greenway$1,91213%
Greenwood$1,643-3%
Gretna$1,657-2%
Grimstead$1,605-5%
Grottoes$1,468-13%
Groveton$2,00319%
Grundy$1,6820%
Gum Spring$1,7625%
Gwynn$1,600-5%
Hacksneck$1,6790%
Hadensville$1,7796%
Hague$1,643-3%
Halifax$1,6981%
Hallieford$1,615-4%
Hallwood$1,644-2%
Hamilton$1,7242%
Hampden Sydney$1,6940%
Hampden-Sydney$1,665-1%
Hampton$1,8248%
Hanover$1,7182%
Harborton$1,6910%
Hardy$1,659-2%
Hardyville$1,621-4%
Harrisonburg$1,419-16%
Harriston$1,481-12%
Hartfield$1,618-4%
Hayes$1,649-2%
Hayfield$2,00919%
Haymarket$1,8449%
Haynesville$1,628-3%
Haysi$1,663-1%
Haywood$1,7454%
Head Waters$1,521-10%
Heathsville$1,570-7%
Henrico$1,8077%
Henry$1,664-1%
Herndon$1,86511%
Highland Springs$1,90713%
Hillsville$1,552-8%
Hiltons$1,627-4%
Hinton$1,418-16%
Hiwassee$1,565-7%
Hollins$1,552-8%
Hollymead$1,665-1%
Honaker$1,604-5%
Hood$1,7111%
Hopewell$1,7806%
Horntown$1,663-1%
Horse Pasture$1,631-3%
Horsepen$1,640-3%
Hot Springs$1,496-11%
Howardsville$1,7614%
Huddleston$1,667-1%
Hudgins$1,599-5%
Hume$1,7755%
Huntington$2,00719%
Huntly$1,7524%
Hurley$1,6880%
Hurt$1,612-4%
Hustle$1,663-1%
Hybla Valley$2,03521%
Idylwood$1,87911%
Independence$1,541-9%
Independent Hill$1,92314%
Indian Valley$1,625-4%
Innsbrook$1,7735%
Iron Gate$1,491-12%
Irvington$1,580-6%
Isle Of Wight$1,7091%
Ivanhoe$1,524-10%
Ivor$1,7433%
Ivy$1,631-3%
Jamaica$1,612-4%
James Store$1,646-2%
Jamesville$1,668-1%
Jarratt$1,7252%
Java$1,7061%
Jeffersonton$1,7534%
Jenkins Bridge$1,7071%
Jersey$1,7061%
Jetersville$1,7956%
Jewell Ridge$1,602-5%
Jolivue$1,457-14%
Jonesville$1,609-5%
Keeling$1,7071%
Keen Mountain$1,6870%
Keene$1,663-1%
Keezletown$1,467-13%
Keller$1,6880%
Kenbridge$1,7172%
Kents Store$1,7152%
Keokee$1,607-5%
Keswick$1,674-1%
Keysville$1,7111%
Kilmarnock$1,582-6%
King And Queen Court House$1,6840%
King George$1,7514%
King William$1,7061%
Kings Park$2,03120%
Kings Park West$1,98818%
Kingstowne$2,00019%
Kinsale$1,629-3%
La Crosse$1,629-3%
Lacey Spring$1,455-14%
Lackey$1,655-2%
Ladysmith$1,7192%
Lake Barcroft$2,03921%
Lake Caroline$1,7142%
Lake Holiday$1,583-6%
Lake Land'Or$1,7111%
Lake Monticello$1,7262%
Lake Ridge$1,99218%
Lake Wilderness$1,7353%
Lake of the Woods$1,7413%
Lakeside$1,8107%
Lambsburg$1,551-8%
Lancaster$1,578-6%
Laneview$1,632-3%
Lanexa$1,634-3%
Lansdowne$1,7333%
Laurel$1,7856%
Laurel Fork$1,578-6%
Laurel Hill$2,01219%
Lawrenceville$1,7222%
Lebanon$1,599-5%
Lebanon Church$1,497-11%
Leesburg$1,7142%
Leon$1,7393%
Lexington$1,524-10%
Lightfoot$1,620-4%
Lignum$1,7624%
Lincoln$1,7534%
Lincolnia$2,11125%
Linden$1,656-2%
Linton Hall$1,8329%
Linville$1,432-15%
Little Plymouth$1,6820%
Lively$1,590-6%
Loch Lomond$1,92314%
Locust Dale$1,7232%
Locust Grove$1,7443%
Locust Hill$1,630-3%
Locustville$1,661-1%
Long Branch$1,98218%
Long Island$1,659-2%
Loretto$1,669-1%
Lorton$2,01720%
Lottsburg$1,586-6%
Loudoun Valley Estates$1,7916%
Louisa$1,7534%
Lovettsville$1,7896%
Lovingston$1,6870%
Low Moor$1,505-11%
Lowes Island$1,87011%
Lowry$1,647-2%
Lunenburg$1,7252%
Luray$1,519-10%
Lynch Station$1,590-6%
Lynchburg$1,602-5%
Lyndhurst$1,486-12%
Machipongo$1,644-3%
Madison$1,7041%
Madison Heights$1,602-5%
Maidens$1,8208%
Manakin Sabot$1,7966%
Manassas$1,90113%
Manassas Park$1,92614%
Manchester$1,8429%
Mannboro$1,8298%
Manquin$1,7313%
Mantua$2,00119%
Mappsville$1,632-3%
Marion$1,514-10%
Marionville$1,674-1%
Markham$1,7745%
Marshall$1,7866%
Martinsville$1,630-3%
Marumsco$2,01019%
Maryus$1,6790%
Mascot$1,6971%
Mason Neck$2,04021%
Massanetta Springs$1,418-16%
Massanutten$1,461-13%
Mathews$1,652-2%
Matoaca$1,7896%
Mattaponi$1,669-1%
Maurertown$1,477-12%
Mavisdale$1,658-2%
Max Meadows$1,551-8%
Maxie$1,7041%
Mc Clure$1,638-3%
Mc Coy$1,476-12%
Mc Dowell$1,566-7%
Mc Gaheysville$1,465-13%
Mc Kenney$1,7604%
McLean$1,90413%
McNair$1,89612%
Meadow View$1,490-12%
Meadowbrook$1,87411%
Meadows Of Dan$1,600-5%
Meadowview$1,489-12%
Mears$1,656-2%
Mechanicsville$1,7051%
Meherrin$1,7051%
Melfa$1,655-2%
Mendota$1,514-10%
Meredithville$1,7111%
Merrifield$1,96416%
Merrimac$1,404-17%
Merry Point$1,612-4%
Middlebrook$1,530-9%
Middleburg$1,8208%
Middletown$1,557-8%
Midland$1,7886%
Midlothian$1,7846%
Milford$1,7061%
Millboro$1,551-8%
Millers Tavern$1,654-2%
Millwood$1,595-5%
Mineral$1,7494%
Mint Spring$1,476-12%
Mitchells$1,7212%
Modest Town$1,652-2%
Mollusk$1,611-4%
Moneta$1,6930%
Monroe$1,599-5%
Montclair$1,95916%
Montebello$1,664-1%
Monterey$1,582-6%
Montpelier$1,7494%
Montpelier Station$1,7021%
Montrose$1,90813%
Montross$1,645-2%
Montvale$1,661-1%
Moon$1,638-3%
Morattico$1,590-6%
Moseley$1,8047%
Motley$1,605-5%
Mount Crawford$1,429-15%
Mount Holly$1,666-1%
Mount Jackson$1,481-12%
Mount Sidney$1,469-13%
Mount Solon$1,455-14%
Mount Vernon$2,02620%
Mouth Of Wilson$1,616-4%
Mustoe$1,551-8%
Narrows$1,570-7%
Naruna$1,662-1%
Nassawadox$1,654-2%
Nathalie$1,7393%
Natural Bridge$1,528-9%
Natural Bridge Station$1,561-7%
Naval Weapons Station$1,659-2%
Neabsco$1,98718%
Nellysford$1,6780%
Nelson$1,677-1%
Nelsonia$1,669-1%
New Baltimore$1,8067%
New Canton$1,8248%
New Castle$1,604-5%
New Church$1,646-2%
New Hope$1,475-13%
New Kent$1,7041%
New Market$1,470-13%
New Point$1,641-3%
New River$1,535-9%
Newbern$1,562-7%
Newington$2,01219%
Newington Forest$2,01620%
Newport$1,538-9%
Newport News$1,7846%
Newsoms$1,6930%
Newtown$1,7323%
Nickelsville$1,615-4%
Ninde$1,672-1%
Nokesville$1,8218%
Nora$1,627-3%
Norfolk$1,99919%
Norge$1,605-5%
North$1,646-2%
North Garden$1,6800%
North Shore$1,668-1%
North Springfield$2,05622%
North Tazewell$1,607-5%
Norton$1,553-8%
Norwood$1,7132%
Nottoway$1,7846%
Nuttsville$1,600-5%
Oak Grove$1,8268%
Oak Hall$1,665-1%
Oakpark$1,7272%
Oakton$1,91013%
Oakwood$1,668-1%
Oilville$1,8298%
Oldhams$1,644-3%
Onancock$1,6780%
Onemo$1,647-2%
Onley$1,665-1%
Ophelia$1,624-4%
Orange$1,7745%
Ordinary$1,6820%
Oriskany$1,568-7%
Orkney Springs$1,487-12%
Orlean$1,8097%
Oyster$1,658-2%
Paeonian Springs$1,7363%
Paint Bank$1,535-9%
Painter$1,651-2%
Palmyra$1,7303%
Pamplin$1,617-4%
Pantops$1,651-2%
Paris$1,672-1%
Parksley$1,638-3%
Parrott$1,531-9%
Partlow$1,7132%
Patrick Springs$1,570-7%
Pearisburg$1,536-9%
Pembroke$1,546-8%
Penhook$1,7192%
Penn Laird$1,439-15%
Pennington Gap$1,606-5%
Petersburg$1,7675%
Phenix$1,7232%
Philomont$1,7806%
Pilgrims Knob$1,655-2%
Pilot$1,496-11%
Pimmit Hills$1,86511%
Piney River$1,6820%
Pittsville$1,6860%
Pleasant Valley$1,424-16%
Plum Creek$1,444-14%
Pocahontas$1,654-2%
Poquoson$1,7122%
Port Haywood$1,663-1%
Port Republic$1,443-14%
Port Royal$1,7011%
Portsmouth$1,93315%
Potomac Mills$1,99218%
Pound$1,579-6%
Pounding Mill$1,592-6%
Powhatan$1,86811%
Pratts$1,7101%
Prince George$1,7735%
Prospect$1,665-1%
Providence Forge$1,7051%
Pulaski$1,543-8%
Pungoteague$1,674-1%
Purcellville$1,7564%
Quantico$1,90913%
Quantico Base$1,91614%
Quicksburg$1,461-13%
Quinby$1,675-1%
Quinque$1,652-2%
Quinton$1,7242%
Radford$1,481-12%
Radiant$1,7393%
Randolph$1,677-1%
Raphine$1,482-12%
Rapidan$1,7574%
Rappahannock Academy$1,7051%
Raven$1,605-5%
Ravensworth$2,04021%
Rawlings$1,7413%
Rectortown$1,7946%
Red Ash$1,598-5%
Red House$1,7001%
Red Oak$1,677-1%
Redwood$1,653-2%
Reedville$1,585-6%
Remington$1,7735%
Rescue$1,7313%
Reston$1,85810%
Reva$1,6961%
Rhoadesville$1,7202%
Rice$1,7262%
Rich Creek$1,573-7%
Richardsville$1,7725%
Richlands$1,604-5%
Richmond$1,89112%
Ridgeway$1,648-2%
Rileyville$1,576-7%
Riner$1,479-12%
Ringgold$1,7051%
Ripplemead$1,565-7%
Rivanna$1,672-1%
Riverview$1,581-6%
Rixeyville$1,7453%
Roanoke$1,564-7%
Rochelle$1,7403%
Rockbridge Baths$1,543-9%
Rockville$1,7464%
Rockwood$1,8087%
Rocky Gap$1,640-3%
Rocky Mount$1,7011%
Rollins Fork$1,7172%
Rose Hill$1,86911%
Rosedale$1,596-5%
Roseland$1,673-1%
Round Hill$1,7443%
Rowe$1,630-3%
Ruby$1,7715%
Ruckersville$1,7071%
Rural Retreat$1,518-10%
Rushmere$1,7564%
Rustburg$1,611-4%
Ruther Glen$1,7081%
Ruthville$1,7192%
Salem$1,509-10%
Saltville$1,494-11%
Saluda$1,631-3%
Sandston$1,8127%
Sandy Hook$1,8097%
Sandy Level$1,6860%
Sandy Point$1,646-2%
Sanford$1,645-2%
Saxe$1,6820%
Saxis$1,667-1%
Schley$1,6850%
Schuyler$1,7242%
Scottsburg$1,671-1%
Scottsville$1,7624%
Seaford$1,661-1%
Sealston$1,7353%
Seaview$1,660-2%
Sedley$1,7192%
Selma$1,501-11%
Seven Corners$1,97517%
Severn$1,6850%
Shacklefords$1,661-1%
Sharps$1,628-3%
Shawneeland$1,565-7%
Shawsville$1,510-10%
Shenandoah$1,467-13%
Shenandoah Farms$1,620-4%
Shipman$1,7001%
Short Pump$1,7765%
Shortt Gap$1,614-4%
Singers Glen$1,445-14%
Skippers$1,7001%
Skipwith$1,670-1%
Skyland Estates$1,6870%
Smithfield$1,7423%
Somerset$1,7423%
Somerville$1,7886%
South Boston$1,6981%
South Hill$1,631-3%
South Riding$1,91013%
South Run$1,99819%
Southern Gateway$1,7534%
Sparta$1,7413%
Speedwell$1,543-9%
Spencer$1,620-4%
Sperryville$1,7464%
Spotsylvania$1,7222%
Spotsylvania Courthouse$1,7323%
Spottswood$1,502-11%
Spout Spring$1,603-5%
Spring Grove$1,7393%
Springfield$2,04221%
St. Charles$1,618-4%
St. Paul$1,593-6%
St. Stephens Church$1,7262%
Stafford$1,8258%
Stafford Courthouse$1,8148%
Staffordsville$1,564-7%
Stanardsville$1,7001%
Stanley$1,492-12%
Stanleytown$1,652-2%
Star Tannery$1,537-9%
State Farm$1,86611%
Staunton$1,486-12%
Steeles Tavern$1,502-11%
Stephens City$1,554-8%
Stephenson$1,573-7%
Sterling$1,8288%
Stevensburg$1,7242%
Stevensville$1,6850%
Stone Ridge$1,90813%
Stony Creek$1,7584%
Strasburg$1,515-10%
Stratford$1,7504%
Stuart$1,564-7%
Stuarts Draft$1,479-12%
Studley$1,7212%
Sudley$1,88312%
Suffolk$1,7403%
Sugar Grove$1,525-10%
Sugarland Run$1,8459%
Sumerduck$1,8077%
Surry$1,7132%
Susan$1,668-1%
Sussex$1,7695%
Sutherland$1,7705%
Sutherlin$1,7152%
Sweet Briar$1,640-3%
Swoope$1,512-10%
Swords Creek$1,584-6%
Syria$1,652-2%
Tangier$1,666-1%
Tannersville$1,606-5%
Tappahannock$1,646-2%
Tasley$1,6940%
Tazewell$1,594-5%
Temperanceville$1,627-3%
Thaxton$1,631-3%
The Plains$1,8238%
Thornburg$1,7504%
Thynedale$1,663-1%
Timberlake$1,594-5%
Timberville$1,415-16%
Toano$1,579-6%
Toms Brook$1,477-12%
Topping$1,623-4%
Townsend$1,667-1%
Trevilians$1,7443%
Triangle$1,94315%
Troutdale$1,618-4%
Troutville$1,591-6%
Troy$1,7323%
Tuckahoe$1,7997%
Tyro$1,647-2%
Tysons Corner$1,92014%
Union Hall$1,7293%
Unionville$1,7464%
University Center$1,7836%
University of Virginia$1,652-2%
Upperville$1,7916%
Urbanna$1,626-4%
Valentines$1,7111%
Vansant$1,674-1%
Vernon Hill$1,7262%
Verona$1,479-12%
Vesta$1,646-2%
Vesuvius$1,559-8%
Victoria$1,7081%
Vienna$1,90113%
Viewtown$1,6971%
Villa Heights$1,629-3%
Village$1,667-1%
Villamont$1,630-3%
Vinton$1,590-6%
Virgilina$1,7111%
Virginia Beach$1,8409%
Virginia State University$1,8027%
Wachapreague$1,668-1%
Wake$1,618-4%
Wakefield$1,90013%
Walkerton$1,7122%
Wallops Island$1,645-2%
Wardtown$1,673-1%
Ware Neck$1,6900%
Warfield$1,7303%
Warm Springs$1,561-7%
Warrenton$1,7816%
Warsaw$1,602-5%
Washington$1,7584%
Water View$1,605-5%
Waterford$1,7796%
Wattsville$1,675-1%
Waverly$1,7675%
Waynesboro$1,475-12%
Weber City$1,623-4%
Weems$1,590-6%
West Augusta$1,543-8%
West Falls Church$1,98818%
West Mclean$1,94215%
West Point$1,660-2%
West Springfield$2,00619%
Weyers Cave$1,446-14%
White Marsh$1,676-1%
White Plains$1,7101%
White Post$1,585-6%
White Stone$1,594-5%
Whitetop$1,593-5%
Whitewood$1,669-1%
Wicomico$1,6870%
Wicomico Church$1,631-3%
Williamsburg$1,583-6%
Williamsville$1,511-10%
Willis$1,649-2%
Willis Wharf$1,669-1%
Wilsons$1,7534%
Winchester$1,558-8%
Windsor$1,7413%
Wingina$1,7655%
Wintergreen$1,662-1%
Wirtz$1,7222%
Wise$1,558-8%
Withams$1,667-1%
Wolf Trap$1,92114%
Wolford$1,6860%
Wolftown$1,7152%
Woodberry Forest$1,7413%
Woodbridge$1,99018%
Woodburn$2,02420%
Woodford$1,7313%
Woodlake$1,7977%
Woodlawn$1,6930%
Woods Cross Roads$1,669-1%
Woodstock$1,467-13%
Woodville$1,7494%
Woolwine$1,608-5%
Wylliesburg$1,669-1%
Wyndham$1,7645%
Wytheville$1,540-9%
Yale$1,7655%
Yorkshire$1,93515%
Yorktown$1,6800%
Zacata$1,7061%
Zuni$1,7453%

You must prove you have at least the minimum amount of car insurance the state requires to buy license plates or decals in Virginia.

As of Jan. 1, 2025, Virginia’s liability car insurance coverage requirements are:

  • $50,000 of coverage for the injury or death of one person
  • $100,000 of coverage for the injury or death of two or more people
  • $25,000 of property damage coverage

If you are convicted of driving without insurance in Virginia, the state will suspend your vehicle registration. To reinstate it, you may need to:

  • Pay a $600 non-compliance fee
  • File an SR-22 form with the state department of motor vehicles (DMV) for three years
  • Pay a reinstatement fee

Car insurance in Virginia costs $1,684 a year, on average, if you buy full coverage. If you only buy liability coverage, the average cost is $858 a year.

Virginia Farm Bureau has the cheapest car insurance in Virginia for both full coverage ($1,256 a year) and liability or minimum coverage ($504 a year).

To get cheaper car insurance in Virginia:

  • Compare car insurance quotes from several companies
  • Look for or ask about discounts
  • “Bundle” different insurance policies, like auto and home, with a single company
  • Raise your deductible (this will lower your premium payment)

Yes, Virginia requires you to have at least 50/100/25 car insurance to drive legally.

Methodology

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.

Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.

Minimum-liability policies provide liability coverage with the state’s required minimum limits.

Full-coverage policies include collision, comprehensive and liability coverage:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible


Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.

*USAA is only available to current and former members of the military as well as certain family members.