Finding affordable car insurance in Virginia doesn’t have to be a challenge. With the right strategies, you can secure reliable coverage without breaking the bank. This guide reveals the cheapest auto insurance companies in VA, money-saving discounts, and insider tips to lower your premiums.
Why Is Car Insurance in Virginia Expensive?
Virginia drivers pay an average of $1,200 per year for full coverage—higher than the national average. Factors that increase rates include:
- High population density in Northern Virginia and Richmond
- Severe weather risks (hurricanes, flooding, and winter storms)
- Above-average accident rates on I-95 and I-64
- State-mandated minimum coverage ($25,000/$50,000/$20,000)
5 Cheapest Auto Insurance Companies in Virginia
We compared rates from top insurers to find the most affordable options:
| Company | Avg. Annual Rate | Best For |
|---|---|---|
| GEICO | $950 | Military, good drivers |
| USAA | $900 | Military families |
| State Farm | $1,100 | Teens, students |
| Erie Insurance | $1,050 | Safe drivers |
| Progressive | $1,200 | High-risk drivers |
Key Takeaway: GEICO and USAA (for eligible military) offer the lowest rates, while Progressive is best for drivers with accidents or DUIs.
How to Get the Lowest Auto Insurance Rates in Virginia
1. Increase Your Deductible
Raising your deductible from $500 to $1,000 can save 15-30% on premiums.
2. Take Advantage of Discounts
Virginia insurers offer these money-saving discounts:
- Safe driver (no accidents in 3+ years)
- Good student (GPA 3.0+)
- Multi-policy (bundling home + auto)
- Low mileage (under 7,500 miles/year)
- Defensive driving course (5-15% off)
3. Improve Your Credit Score
Virginia allows insurers to use credit scores in pricing. Improving your score from “fair” to “good” can reduce rates by 20%.
4. Drop Full Coverage on Older Cars
If your car is worth less than $5,000, switching to liability-only can save $600+ per year.
5. Compare Quotes Annually
Insurance rates change frequently. Shopping around every 6-12 months ensures you’re not overpaying.
Virginia’s Minimum Car Insurance Requirements
Virginia law requires:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage
- Uninsured motorist coverage
Warning: Minimum coverage may not be enough in serious accidents. Consider 100/300/100 for better protection.
Best Auto Insurance for High-Risk Drivers in Virginia
If you have a DUI, speeding tickets, or accidents, these companies offer the best rates:
- Progressive – Best for SR-22 filings
- The General – Affordable non-standard insurance
- Dairyland – Specializes in high-risk coverage
Cheapest Cities for Car Insurance in Virginia
Rates vary by location. Here’s what drivers pay on average:
- Roanoke: $1,100/year
- Richmond: $1,250/year
- Virginia Beach: $1,300/year
- Arlington (DC Metro): $1,500/year
FAQs About Cheap Virginia Auto Insurance
❓ What’s the cheapest car insurance company in Virginia?
✅ GEICO and USAA (for military) have the lowest average rates.
❓ Can I drive without insurance in Virginia?
⚠️ No. Virginia requires insurance, but you can pay a $500 uninsured motorist fee (not recommended).
❓ How can students get cheap car insurance in VA?
✅ Stay on parents’ policy + good student discount = 50% savings.
❓ Does credit score affect insurance rates in Virginia?
✅ Yes. Improving your credit can lower premiums by 20% or more.
Final Tips to Save on VA Car Insurance
✔ Compare at least 3 quotes (rates vary widely)
✔ Ask about every discount (most qualify for 3+)
✔ Avoid small claims (they raise rates more than the payout)
✔ Consider usage-based insurance (like Progressive Snapshot)
🚗 Ready to Save? Compare Virginia Auto Insurance Quotes Now!