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Car Insurance in Virginia: 2026 Rates & Guide

Virginia is a mid-range state for car insurance. The average driver pays $108/month ($1296/year). Here's how to find the best rate for your situation.

$108

Avg Monthly

$1296

Avg Annual

#32

Cost Rank (1=priciest)

$82

Cheapest Option/mo

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Cheapest Car Insurance Companies in Virginia (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Virginia — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestGEICO
$82/mo4.4Get Quote
2
State Farm
$88/mo4.6Get Quote
3
Erie Insurance
$84/mo4.7
4
Progressive
$98/mo4.1Get Quote
5
Nationwide
$104/mo4.3Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Virginia Car Insurance Requirements

Minimum Coverage: 30/60/20

Virginia is an at-fault state. The driver who causes an accident is financially responsible.

Virginia Insurance Facts

Virginia allows drivers to pay a $500 uninsured motorist fee instead of buying insurance
Northern Virginia (DC suburbs) is significantly more expensive than rural VA
The state has relatively low rates overall

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How to Get Cheaper Car Insurance in Virginia

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Virginia — FAQs

What is the average cost of car insurance in Virginia?
The average car insurance cost in Virginia is $108 per month ($1296 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Virginia?
Virginia requires minimum liability coverage of 30/60/20 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Virginia?
Based on our research, GEICO offers the lowest average rate in Virginia at around $82/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Virginia a no-fault car insurance state?
No, Virginia is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Virginia?
The most effective ways to lower your car insurance in Virginia include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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