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:
- ALFA
- Allstate
- Amica
- Chubb
- Erie
- GEICO
- Liberty Mutual
- MetLife
- Nationwide
- Progressive
- State Farm
- The Hartford
- Travelers
- USAA
- 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.
- $25000 bodily injury coverage per person is required in Virginia.
- $50000 bodily injury coverage per accident is required in Virginia.
- $20000 property damage coverage per accident is required in Virginia.
Other types of optional coverages in Virginia are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Income Loss
- 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.
