Best Car Insurance in Virginia for 2025 [Compare the Top 10 Companies]
Allstate, Progressive, and Geico stand out for the best car insurance in Virginia, offering solid coverage and competitive rates. On average, drivers pay around $1,200 per year, but discounts can bring that down. Allstate packs in great coverage, Progressive gives flexible options, and Geico keeps costs low, making them top picks for Virginia drivers.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Apr 14, 2025
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11,638 reviewsCompany Facts
Full Coverage in Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviews
13,283 reviewsCompany Facts
Full Coverage in Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
19,116 reviewsCompany Facts
Full Coverage in Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsThe best car insurance in Virginia comes from Allstate, Progressive, and Geico, with Allstate as the top pick. It offers a great mix of coverage, discounts, and customer support. Progressive gives flexible options, while Geico keeps rates low. With average costs around $1,200 annually, these companies make it easier to find solid coverage without overpaying.
The right car insurance in Virginia comes down to price, coverage, and service. Allstate, Progressive, and Geico stand out whether you want solid protection, flexible plans, or the best deal. A quick quote comparison can help you find the right fit and save money.
Our Top 10 Company Picks: Best Car Insurance in Virginia
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A+ | Accident Forgiveness | Allstate |
 | #2 | 10% | A+ | Budgeting Tools | Progressive |
 | #3 | 25% | A++ | Lowest Rates | Geico |
 | #4 | 17% | B | Personalized Service | State Farm |
 | #5 | 25% | A | Usage-Based Discounts | Liberty Mutual |
 | #6 | 10% | A++ | Military Benefits | USAA |
 | #7 | 20% | A | Custom Policies | Farmers |
 | #8 | 20% | A+ | Safe Driver | Nationwide |
 | #9 | 13% | A++ | Industry Experience | Travelers |
 | #10 | 25% | A | Competitive Discounts | American Family |
These best car Insurance companies provide excellent value with a mix of affordability, service, and coverage options.
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- Covers resident care risks, staff liability, and property protection.
- Tailored policies help meet regulatory requirements and financial stability.
- Allstate offers comprehensive coverage and strong industry support.
#1 – Allstate: Best for Comprehensive Coverage
Pros
- Lots of Coverage Options: Allstate Car Insurance offers plenty of choices so you can find the right coverage for your needs in Virginia.
- Great Ways to Save: You can save on your car insurance by being a safe driver or bundling policies.
- Customer-Friendly Support: Allstate is known for its helpful customer service, making getting the support you need easy.
Cons
- Higher Rates for Some: If your driving record isn’t spotless, you might face higher premiums with Allstate in Virginia.
- Discounts Aren’t Guaranteed: Not everyone will qualify for discounts, depending on your situation.
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#2 – Progressive: Best for Flexible Policies
Pros
- Great Budgeting Features: Progressive’s Name Your Price tool is a great choice for New Jersey drivers who want affordable policies that fit their financial plans.
- Reliable Financial Stability:Progressive Car Insurance Review’s A+ rating from A.M. Best emphasizes the company’s solid reputation for secure claims handling.
- Affordable Monthly Costs: With monthly minimum coverage starting at $60 and full coverage at $93, it offers very reasonable pricing compared to other car insurance companies in New Jersey.
Cons
- Prices Can Be High for Some: Your rate might go up if you have tickets or accidents.
- Snapshot Isn’t for Everyone: Good drivers save, but risky habits could raise your rate.
#3 – Geico: Best for Affordable Rates
Pros
- Budget-Friendly Rates: Geico is known for offering some of the cheapest car insurance in Virginia, making it a great option for saving money.
- Plenty of Discounts: Good driver, multi-car, military—Geico has many ways to lower your insurance costs in Virginia. Read our Geico car insurance review to learn more.
- Easy Online Access: Managing your policy is simple with Geico’s website and app, making it super convenient for Virginia drivers.
Cons
- Not a Lot of Extra Coverage: If you’re looking for unique add-ons, Geico might not have as many options as other car insurance providers in Virginia.
- Customer Service Can Be Hit or Miss: Some drivers have great experiences, while others say Geico’s support can be unpredictable in Virginia.
#4 – State Farm: Top Overall Pick
Pros
- Lots of Coverage Choices: State Farm has plenty of options to help you find the best car insurance in Virginia for your needs. Please find all the details in our State Farm car insurance review to get the facts.
- More Savings When You Bundle: Combine your car insurance with other policies to score extra discounts in Virginia.
- Helpful Customer Support: State Farm is known for its friendly, reliable service, so you’ll always get the help you need.
Cons
- Rates May Be Higher for Some: If your driving record isn’t spotless, you might pay a bit more for State Farm’s car insurance in Virginia.
- Discounts Aren’t Guaranteed: Not everyone will qualify for discounts, so savings can vary depending on your situation.
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#5 – Liberty Mutual: Best for Large Facilities
Pros
- Customizable Coverage: Our Liberty Mutual car insurance personalizes your policy to get the right car insurance in Virginia.
- Plenty of Discount Options: From safe driving to bundling, there are many ways to save on your car insurance in Virginia.
- Accident Forgiveness Perks: Your first accident won’t automatically raise your rates if you qualify.
Cons
- Rates Can Be Pricey: Liberty Mutual’s car insurance in Virginia may cost more than some competitors, especially without discounts.
- Mixed Customer Service Reviews: Some drivers report great service, while others mention slow claims processing in Virginia.
#6 – USAA: Best for Military Families
Pros
- Great Rates: USAA offers some of the most competitive rates in Virginia, so it’s a solid choice if saving money is a priority.
- Helpful Support: Their customer service is quick and dependable, so you can always rely on getting the assistance you need.
- Discounts for Military Families: Active duty, veterans, and military families get extra savings—making it an even better deal.
Cons
- Only for Military Families: USAA car insurance review is available only to military members, veterans, and their families, so it’s not an option for everyone.
- Mostly Online: USAA handles most things online, which might be a downside if you prefer in-person service.
#7 – Farmers: Best for Personalized Service
Pros
- Tailored Coverage: Farmers allow you to adjust your policy so you pay only for what you need in Virginia.
- Tons of Discounts: From bundling policies to safe driving, Farmers helps you save in more ways than one.
- Solid Customer Service: Their team is known for being easy to reach and genuinely helpful whenever you have questions.
Cons
- Can Be Expensive: Farmer’s car insurance might not be the cheapest option in Virginia if you have a less-than-perfect driving history.
- Limited Online Features: Farmers’ online tools are a bit behind some other providers, so it might not be as convenient if you prefer to do things digitally.
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#8 – Nationwide: Best for Customizable Plans
Pros
- Vast Coverage Choices: Nationwide makes finding the right car insurance for your needs in Virginia easy.
- Plenty of Discounts: From bundling to safe driving, there are plenty of ways to save on your policy.
- Great Customer Support: Nationwide’s team is quick to respond and always there when you need help.
Cons
- Rates Can Be Higher: Depending on your driving record, Nationwide car insurance might not always be the most affordable option in Virginia.
- Limited Local Presence: Nationwide has fewer physical offices in Virginia, so you might have to rely on phone or online support.
#9 – Travelers: Best for Comprehensive Protection
Pros
- Plenty of Coverage Options: Travelers’ car insurance gives you lots of flexibility, so you can pick the best car insurance for your needs in Virginia.
- Great Discounts: You can save money through discounts for bundling, safe driving, and other perks.
- Responsive Customer Support: Travelers is known for quick and helpful service whenever you need assistance.
Cons
- Rates Can Be High: Depending on your driving history, Travelers might not always offer the lowest rates in Virginia.
- Limited Local Offices: With fewer in-person locations, you may need to rely on phone or online support.
#10 – American Family: Best for Affordable Options
Pros
- Flexible Coverage Options: You can customize your car insurance with American Family to match your needs in Virginia.
- Lots of Discounts: Save on your policy with options like bundling, safe driving, and more.
- Great Customer Support: Their team is friendly, quick to respond, and ready to help whenever you need it.
Cons
- Rates Can Be Higher for Some: Depending on your driving record, American Family may not always be the most affordable option in Virginia.
- Limited Online Tools: Their online features aren’t as advanced as some other providers, which could be a hassle for tech-savvy customers.
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Virginia Car Insurance Rates by Provider
Looking for car insurance in Virginia? We’ve made it simple. We’ve rounded up the monthly rates from top providers and broken them down by coverage levels. Whether you need the basics or more extensive, this guide helps you quickly compare your options.
Virginia Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $43 | $103 |
| $35 | $83 |
| $42 | $100 |
| $29 | $69 |
| $54 | $129 |
| $36 | $86 |
| $26 | $61 |
| $27 | $63 |
| $31 | $73 |
| $18 | $43 |
With the info in hand, you’re ready to find a plan that fits your budget and needs. Look at your options and pick the coverage that works best for you. It’s all about finding the right balance so you can drive stress-free.
Factors that affect car insurance prices include age, gender, marital status, driving history, car make, model, and credit score. Your location can also play a role, as rates can vary depending on your area, especially in high-traffic cities. Additionally, the type of coverage you choose, whether it’s minimum liability, comprehensive, or full coverage, can impact your premium.
Allstate stands out for its reliable coverage and top-tier customer service, earning an impressive 90% customer satisfaction rating.Ty Stewart Licensed Life Insurance Agent
Choosing the right coverage is key to getting the best rates. While it might be tempting to choose the cheapest option, you want to ensure it’s enough to protect you if something happens. Consider how much your car is worth, how often you drive, and the protection you need. It’s all about finding the right balance between saving money and staying covered.
Think about your driving habits as well. If you’re on the road a lot or in areas with high accident rates, you might need more coverage to protect yourself. On the other hand, if you barely drive and your car’s value isn’t high, you may not need extensive coverage.
Top Car Insurance Discounts in Virginia
Are you looking to save on car insurance in Virginia? You’ve come to the right place! We’ve put together the best discounts from top providers so you can score a great deal without cutting corners on coverage. Whether you’re a new driver or just looking to switch things up, we have options to help you save without sacrificing quality protection.
Car Insurance Discounts From the Top Providers in Virginia
| Insurance Company | Available Discounts |
|---|---|
| Drivewise Program, Early Signing Discount, Safe Driver Discount, Bundling Home and Auto Discount |
| Low Mileage Discount, Bundling Discount, Good Student Discount, Loyalty Discount |
| Homeowner Discount, Good Student Discount, Multi-Policy Discount, Personalized Auto Insurance Discount |
| Good Student Discount, Multi-Car Discount, Military Discount, Defensive Driving Course Discount |
| New Car Discount, Homeowner Discount, Multi-Car Discount, Claim-Free Discount |
| SmartRide Program, Multi-Car Discount, Homeowner Discount, Safety Features Discount |
| Homeowner Discount, Paid in Full Discount, Multi-Policy Discount, Teen Driver Discount |
| Drive Safe & Save, Steer Clear for young drivers, Multi-Car Discount, Vehicle Safety Feature Discount |
| Low Mileage Discount, Bundling Discount, Good Student Discount, Loyalty Discount |
| Vehicle Storage Discount, Multi-Policy Discount, Safe Driver Discount, New Vehicle Discount |
Ready to save? Dive into these discounts and ensure you get the best car insurance deal! It’s easy to compare, and who doesn’t want to keep more money in their pocket?
Virginia Auto Insurance Premium Trends
Car insurance costs in Virginia are constantly shifting. Prices increase and decrease based on accidents, weather, and even inflation. If you’re wondering whether you’re paying too much or just want a better deal, it helps to know what others are paying.
Virginia Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | A | Few severe weather events, minimal storm impact |
| Average Claim Size | B+ | Moderate claim sizes due to repair costs in metro areas |
| Vehicle Theft Rate | B | Lower-than-average theft rate, except in some urban areas |
| Uninsured Drivers Rate | C+ | Moderate rate of uninsured drivers, raising some premiums |
This report breaks down the latest trends in Virginia auto insurance premiums. Whether you’re comparing quotes or monitoring trends, it gives you insights to help you make better decisions.
If your rates feel too high, you have options. Shopping around, finding discounts, or tweaking your full coverage can help you save. The more you know, the easier it is to get the proper protection at a reasonable price.
Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.
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Frequently Asked Questions
What are Virginia’s minimum car insurance requirements?
At a minimum, you need $30,000 per person and $60,000 per accident for injuries, plus $20,000 for property damage. But sticking to the bare minimum could leave you paying out of pocket—higher coverage limits offer better protection.
How do I find the best car insurance in Virginia?
Start by comparing coverage, pricing, discounts, and customer reviews from different providers. Check how they handle claims and ensure they’re financially stable so you’re covered when it matters.
Is car insurance mandatory in Virginia?
No, Virginia is one of the few states that allow drivers to pay a $500 Uninsured Motor Vehicle (UMV) fee instead of carrying insurance. However, this does not provide any coverage—drivers are still responsible for damages in an accident.
Are there discounts available for car insurance in Virginia?
Yes! Many providers offer discounts for safe driving, bundling policies, having a good credit score, ensuring multiple vehicles, and being a student with good grades. Always ask about available discounts when getting a quote.
What are the best car insurance companies in Virginia?
Some of Virginia’s top-rated car insurance companies include Geico, State Farm, USAA (for military members), Progressive, and Erie Insurance. Each offers different benefits, so compare policies to find the right fit.
What affects car insurance rates in Virginia?
Your driving history, age, location, credit score, and car type play a role. If you live in a busy city like Richmond or Virginia Beach, expect higher rates due to more traffic and car accidents.
Can I get car insurance in Virginia with a bad driving record?
Yes, but it’ll cost more. Some insurers specialize in high-risk drivers and offer SR-22 coverage if needed. The good news? Safe driving over time can help lower your rates.
What is SR-22 insurance, and do I need it in Virginia?
SR-22 isn’t insurance—it’s a form your insurer files to prove you have coverage after serious violations like DUIs or multiple accidents. If Virginia requires it, your insurance company will handle the paperwork. Enter your ZIP code to shop for coverage from the top insurers.
How much does car insurance cost in Virginia?
The average cost varies, but full coverage typically ranges between $1,000 and $1,500 per year, while minimum coverage may cost around $500 to $700 per year. Your rate will depend on personal factors and coverage choices.
Can I switch car insurance companies in Virginia at any time?
Yes, you can switch insurers anytime, even mid-policy. To avoid a lapse in coverage, be sure to cancel your old policy only after your new one is active. Some companies may charge cancellation fees, so check your policy details.