Cheap Car Insurance in Virginia

Cheap Car Insurance in Virginia

It is mandatory to get car insurance in Virginia for drivers to drive legally in the state. Different companies in Virginia provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Virginia:

Name of the Company Average annual car insurance premiums
Travelers $670
The Hartford $798
Penn National $872
Erie $958
Utica National $970
Virginia Farm Bureau $1075
Progressive $1086
USAA $1133
State Farm $1155
GEICO $1260
Nationwide $1315
Donegal Mutual Insurance Co $1406
ALFA $1446
Allied $1466
Chubb $1485
National Grange Mutual $1720
Cincinnati Insurance $1782
Encompass $1907
Safe Auto $2026
Mercury $2160
Metropolitan $2320
Safeco $2332
Allstate $2378
Electric $2844

Cheap car insurance in Virginia for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Virginia with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Virginia provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Virginia by maintaining a good driving record. Most auto insurance companies in Virginia provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $168 on car insurance premiums in Virginia.
  •  Drivers may save $450 on car insurance premiums if they have an accident-free record in Virginia.
  •  By maintaining a good credit history you may save $721 on car insurance premiums in Virginia. 

Cheap car insurance for inexperienced drivers in Virginia

Most auto insurance providers may charge high auto insurance premiums in Virginia from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Virginia vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Virginia. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $4518 $4190
17 $4356 $3610
18 $4225 $3162
19 $3690 $2270

Affordable auto insurance in Virginia for high-risk drivers

Car insurance companies in Virginia charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Virginia can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with good driving history in Virginia may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1344
DUI $1275
Speeding Violation $1063
Bad Credit $1615

Best car insurance companies in Virginia

Car insurance prices in Virginia may vary from company to company. Some companies in Virginia charge lower car insurance premiums than others. To get the best auto insurance policy in Virginia you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Virginia by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Virginia:

  1. ALFA
  2. Allstate
  3. Amica
  4. Chubb
  5. Erie
  6. GEICO
  7. Liberty Mutual
  8. MetLife
  9. Nationwide
  10. Progressive
  11. State Farm
  12. The Hartford
  13. Travelers
  14. USAA
  15. Virginia Farm Bureau

What auto insurance coverage is mandatory to purchase for drivers in Virginia?

The average annual cost to get the minimum required coverage in Virginia may be around $750.  The minimum required coverage for drivers in Virginia to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $20000

 The state minimum auto insurance requirements in Virginia

The state minimum auto insurance coverage requirement in Virginia is liability coverage.

  1. $25000 bodily injury coverage per person is required in Virginia.
  2. $50000 bodily injury coverage per accident is required in Virginia.
  3. $20000 property damage coverage per accident is required in Virginia.

Other types of optional coverages in Virginia are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Income Loss
  7. Medical Payments

Fine for driving without car insurance in Virginia

If anyone caught driving without a car insurance policy in Virginia then police may charge a fine.

Car insurance prices by cities in Virginia

Car insurance premiums in Virginia may vary from city to city. In some cities of Virginia, car insurance prices are high compared to others.

City Average annual insurance premiums
Burke $1168
Alexandria $1138
Centreville $1132
Dale City $1130
McLean $1124
Norfolk $1120
Portsmouth $1095
Reston $1087
Richmond $1080
Arlington $1065
Hampton $1055
Virginia Beach $1046
Chesapeake $1045
Newport News $1030
Suffolk $1030
Ashburn $1020
Leesburg $997
Charlottesville $970
Danville $969
Lynchburg $938
Roanoke $907
Blacksburg $862
Harrisonburg $844

If you are looking for a car insurance deal in Virginia, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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