Car Insurance · Virginia

Car Insurance in Virginia

Virginia average: $107/month · State minimum: 30/60/20 · Updated September 2026

Compare car insurance quotes from 50+ carriers across all Virginia cities. Rates vary significantly by city — use the city finder below to see your local average.

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$107
VA Avg/Month
-33%
vs National Avg
30/60/20
State Minimum
At-Fault
Fault System

Virginia Car Insurance Laws & Requirements

Virginia requires all car insurance policyholders to meet minimum coverage standards set by the Virginia Department of Insurance. Here's what you need to know before buying a policy in Virginia.

Minimum Required Coverage
30/60/20
Bodily injury / accident / property damage
Fault System
At-Fault (Tort) State
Driver who causes accident pays for damages
Top Carriers in Virginia
State Farm, GEICO
Plus 50+ additional carriers available
Expert Recommendation
100/300/100 or higher
Provides real protection beyond state minimums

Car Insurance Rates by City in Virginia

Rates vary significantly across Virginia cities. Urban markets like Virginia Beach tend to have higher rates due to traffic density and claim frequency, while smaller cities often offer more affordable premiums. Click any city to see a full rate breakdown and carrier comparison.

Virginia Beach
$120/mo
+12% vs state avg
Virginia Beach County
Norfolk
$137/mo
+28% vs state avg
Norfolk County
Chesapeake
$116/mo
+8% vs state avg
Chesapeake County
Richmond
$131/mo
+22% vs state avg
Richmond County
Newport News
$122/mo
+14% vs state avg
Newport News County
Alexandria
$126/mo
+18% vs state avg
Alexandria County
Hampton
$120/mo
+12% vs state avg
Hampton County
Roanoke
$109/mo
+2% vs state avg
Roanoke County
Portsmouth
$131/mo
+22% vs state avg
Portsmouth County
Suffolk
$111/mo
+4% vs state avg
Suffolk County

How to Save on Car Insurance in Virginia

Virginia drivers have several reliable ways to reduce their car insurance costs without sacrificing meaningful coverage.

✓
Compare multiple carriers
The spread between the highest and lowest quote in Virginia is often 40-60%. Getting quotes from State Farm, GEICO, Erie Insurance, and others simultaneously is the single highest-impact action you can take.
✓
Bundle your policies
Bundling car insurance with another policy (typically auto + home) saves most Virginia residents 10-25% with the same carrier. This is a pre-approved discount with no strings attached.
✓
Raise your deductible
Moving from a $250 deductible to $1,000 can reduce your premium by 15-25% in Virginia. This works best if you have an emergency fund to cover the higher out-of-pocket cost.
✓
Ask about discounts
Virginia carriers offer discounts for: safe driving, low mileage, paperless billing, automatic payment, loyalty, and completing approved safety courses. Ask for a full discount audit when you quote.
✓
Maintain a clean record
A single at-fault accident can increase your Virginia premium by 30-50% for 3-5 years. Safe driving is the most powerful long-term cost control strategy.
✓
Review annually
Virginia insurance rates change every year. Set a reminder to re-shop your policy at renewal. Loyalty doesn't always mean the best rate — your current carrier may not be the cheapest option next year.

Best Car Insurance Companies in Virginia

Top-rated carriers actively writing car insurance policies in Virginia:

1
State Farm
2
GEICO
3
Erie Insurance
4
Progressive
5
Allstate

Other Insurance in Virginia

🏠 Home Insurance🏢 Renters Insurance❤️ Life Insurance🏍️ Motorcycle Insurance⛵ Boat Insurance🚌 RV Insurance☂️ Umbrella Insurance🌊 Flood Insurance

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