Skip to content
Car Insurance Cost Estimator

Cheapest Car Insurance in Virginia

Numbers refreshed

Companies are ranked by price wherever Virginia publishes their rates; we also show how you can cut your bill.

  • The legal minimum averages $58 each month.
  • Minimum liability limits: 50/100/25.
  • Virginia ranks 33rd of 51 for cost, with 1st as the highest.

Which insurer costs the least in Virginia

Because Virginia doesn't publish an insurer price comparison, official figures can't rank every company in the state. The average cost of the cheapest legal policy is $691 a year, or about $58 a month (NAIC).

Get quotes for the same limits and deductibles from at least three insurers. Prices for one driver often differ greatly among direct writers, local agents and regional companies.

Ways to reduce your cost

  • Only choose the state minimum for an old car if you could replace it with cash. Dropping collision coverage and protection for noncollision damage saves $667 a year based on the Virginia average.
  • If you raise your deductible, the amount you save each year often exceeds the extra cost of one claim.
  • Request every discount by name: multi-car, home and auto bundle, good student, full payment, safe-driving apps.
  • Compare prices again at every renewal. A price rise at one company doesn't mean other companies also increased.

Learn more about Virginia car insurance

First written