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Cheap Auto Insurance in Virginia — Compare & Save Up to 40%

Average Virginia driver pays $144/mo for full coverage. The cheapest carrier is USAA at $96/mo. Compare 5+ companies in 90 seconds.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Cheapest Auto Insurance Companies in Virginia (2026)

We compared full coverage rates from the top auto insurance companies in Virginia. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Insurance Company6-Month PremiumMonthly Cost
USAA ⭐$576$96/mo
GEICO$654$109/mo
Progressive$738$123/mo
State Farm$810$135/mo
Allstate$984$164/mo

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

Virginia Auto Insurance at a Glance

$144
Avg. Monthly (Full Coverage)
$96
Cheapest Monthly Rate
30/60/20
Minimum Liability Limits
7%
Uninsured Driver Rate

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What You Should Know About Virginia Auto Insurance

For complete Virginia auto insurance laws and requirements, visit the Virginia Bureau of Insurance. For vehicle registration and licensing, visit the Virginia DMV.

Full Coverage vs. Liability in Virginia

Full coverage in Virginia averages $144/month, while liability-only coverage averages $41/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 7% of Virginia drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Virginia Auto Insurance Guides

Explore specific auto insurance topics for Virginia:

📄 Cheap Car Insurance› 📄 Minimum Coverage› 📄 Full Coverage› 📄 SR-22 Insurance› 📄 No Deposit Insurance› 📄 Liability Insurance› 📄 Collision Insurance› 📄 Comprehensive Insurance› 📄 Uninsured Motorist Insurance› 📄 PIP Insurance› 📄 Gap Insurance› 📄 Non-Owner Car Insurance› 📄 Teen Driver Insurance› 📄 Senior Driver Insurance› 📄 Military Car Insurance› 📄 High Risk Auto Insurance› 📄 First-Time Driver Insurance› 📄 Insurance After DUI› 📄 Bad Credit Car Insurance› 📄 Multi-Car Insurance› 📄 Rideshare Insurance› 📄 Car Insurance Discounts› 📄 Bundle Home & Auto› 📄 Pay-Per-Mile Insurance› 📄 Same-Day Car Insurance› 📄 Month-to-Month Insurance› 📄 Insurance After Accident› 📄 Electric Vehicle Insurance›

Auto Insurance Rates by City in Virginia

Where you live in Virginia significantly affects your premium. Click your city for local rate comparisons:

📍 Virginia Beach, VA — $1,874/yr› 📍 Chesapeake, VA — $1,840/yr› 📍 Arlington, VA — $1,925/yr› 📍 Norfolk, VA — $1,812/yr› 📍 Richmond, VA — $1,869/yr› 📍 Newport News, VA — $1,819/yr› 📍 Alexandria, VA — $1,729/yr› 📍 Hampton, VA — $1,817/yr› 📍 Roanoke, VA — $1,774/yr› 📍 Portsmouth, VA — $1,683/yr› 📍 Suffolk, VA — $1,713/yr› 📍 Lynchburg, VA — $1,689/yr› 📍 Centreville, VA — $1,698/yr› 📍 Dale City, VA — $1,674/yr› 📍 Reston, VA — $1,630/yr› 📍 Harrisonburg, VA — $1,652/yr› 📍 McLean, VA — $1,745/yr› 📍 Leesburg, VA — $1,589/yr› 📍 Tuckahoe, VA — $1,626/yr› 📍 Charlottesville, VA — $1,639/yr› 📍 Ashburn, VA — $1,572/yr› 📍 Lake Ridge, VA — $1,574/yr› 📍 Blacksburg, VA — $1,626/yr› 📍 Woodbridge, VA — $1,631/yr› 📍 Annandale, VA — $1,639/yr› 📍 Manassas, VA — $1,572/yr› 📍 Danville, VA — $1,642/yr› 📍 Burke, VA — $1,568/yr› 📍 Linton Hall, VA — $1,634/yr› 📍 Mechanicsville, VA — $1,611/yr› 📍 Oakton, VA — $1,559/yr› 📍 Fair Oaks, VA — $1,668/yr› 📍 South Riding, VA — $1,566/yr› 📍 Petersburg, VA — $1,613/yr› 📍 Springfield, VA — $1,638/yr› 📍 Short Pump, VA — $1,622/yr› 📍 Sterling, VA — $1,667/yr› 📍 West Falls Church, VA — $1,576/yr› 📍 Winchester, VA — $1,625/yr› 📍 Fredericksburg, VA — $1,674/yr› 📍 Cave Spring, VA — $1,636/yr› 📍 Tysons, VA — $1,635/yr› 📍 Staunton, VA — $1,597/yr› 📍 Salem, VA — $1,666/yr› 📍 Baileys Crossroads, VA — $1,605/yr› 📍 Herndon, VA — $1,617/yr› 📍 Chantilly, VA — $1,504/yr› 📍 Fairfax, VA — $1,516/yr› 📍 Cherry Hill, VA — $1,583/yr› 📍 Brambleton, VA — $1,517/yr› 📍 Chester, VA — $1,545/yr› 📍 West Springfield, VA — $1,535/yr› 📍 Christiansburg, VA — $1,613/yr› 📍 Hopewell, VA — $1,592/yr› 📍 Lincolnia, VA — $1,566/yr› 📍 Montclair, VA — $1,625/yr› 📍 Waynesboro, VA — $1,590/yr› 📍 Meadowbrook, VA — $1,536/yr› 📍 Merrifield, VA — $1,574/yr› 📍 Buckhall, VA — $1,610/yr› 📍 Lorton, VA — $1,623/yr› 📍 Culpeper, VA — $1,566/yr› 📍 Sudley, VA — $1,621/yr› 📍 Franconia, VA — $1,523/yr› 📍 Midlothian, VA — $1,590/yr› 📍 Colonial Heights, VA — $1,564/yr› 📍 Gainesville, VA — $1,560/yr› 📍 Bon Air, VA — $1,518/yr› 📍 Idylwood, VA — $1,522/yr› 📍 Laurel, VA — $1,501/yr› 📍 Fort Hunt, VA — $1,507/yr› 📍 Bristol, VA — $1,544/yr› 📍 Manassas Park, VA — $1,600/yr› 📍 Highland Springs, VA — $1,490/yr› 📍 Wolf Trap, VA — $1,493/yr› 📍 Vienna, VA — $1,509/yr› 📍 Hybla Valley, VA — $1,603/yr› 📍 Glen Allen, VA — $1,542/yr› 📍 Radford, VA — $1,482/yr› 📍 Great Falls, VA — $1,488/yr› 📍 Groveton, VA — $1,500/yr› 📍 Hollins, VA — $1,530/yr› 📍 Williamsburg, VA — $1,505/yr› 📍 East Highland Park, VA — $1,536/yr› 📍 Front Royal, VA — $1,485/yr› 📍 Falls Church, VA — $1,514/yr› 📍 Broadlands, VA — $1,491/yr› 📍 Huntington, VA — $1,518/yr› 📍 Brandermill, VA — $1,601/yr› 📍 Martinsville, VA — $1,577/yr› 📍 Timberlake, VA — $1,625/yr› 📍 Newington, VA — $1,543/yr› 📍 Mount Vernon, VA — $1,606/yr› 📍 Poquoson, VA — $1,528/yr› 📍 Fairfax Station, VA — $1,541/yr› 📍 Sugarland Run, VA — $1,496/yr› 📍 Lakeside, VA — $1,502/yr› 📍 Stuarts Draft, VA — $1,492/yr› 📍 Manchester, VA — $1,521/yr› 📍 Wakefield, VA — $1,621/yr› 📍 Dranesville, VA — $1,545/yr› 📍 Forest, VA — $1,600/yr› 📍 New Baltimore, VA — $1,611/yr› 📍 Wyndham, VA — $1,496/yr› 📍 Lowes Island, VA — $1,492/yr› 📍 Yorkshire, VA — $1,579/yr› 📍 Madison Heights, VA — $1,525/yr› 📍 Difficult Run, VA — $1,580/yr› 📍 Gloucester Point, VA — $1,535/yr› 📍 Countryside, VA — $1,560/yr› 📍 Belmont, VA — $1,513/yr› 📍 Independent Hill, VA — $1,494/yr› 📍 Lake Monticello, VA — $1,621/yr› 📍 Warrenton, VA — $1,591/yr›

Virginia Auto Insurance FAQ

Who has the cheapest car insurance in Virginia?
Based on our 2026 analysis, USAA offers the cheapest full coverage in Virginia at $96/month. However, rates vary significantly by driver — comparing quotes from multiple carriers is the best way to find your lowest rate.
How much is car insurance in Virginia?
The average cost of full coverage auto insurance in Virginia is $144/month or $1,730/year. Liability-only coverage averages $41/month. Your actual rate depends on your age, driving record, vehicle, and ZIP code.
What is the minimum car insurance required in Virginia?
Virginia requires minimum liability limits of 30/60/20 (bodily injury per person/per accident/property damage). However, these minimums may leave you underinsured — most experts recommend at least 50/100/50.
How can I save on auto insurance in Virginia?
The most effective way to save is to compare quotes from multiple carriers. You can also save by bundling policies, maintaining a clean driving record, raising your deductible, and asking about discounts for good students, military service, or safety features.
Does Virginia have a lot of uninsured drivers?
Approximately 7% of Virginia drivers are uninsured. This is why uninsured/underinsured motorist coverage is highly recommended, even though it's not always required.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Virginia Bureau of Insurance — official state insurance regulator for Virginia.
  3. National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
  4. Virginia DMV — Virginia vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) — independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
  7. NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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