Cheap Auto Insurance in Virginia for 2025 (Find Savings With These 10 Companies)
If you're after cheap auto insurance in Virginia, USAA, State Farm, and Geico are your best bets. USAA offers great rates around $860, especially for military families. State Farm is known for reliable coverage at about $920. Geico keeps things affordable, with rates starting around $900.
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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: Feb 18, 2025
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Min. Coverage in Virginia
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19,116 reviewsIf you’re hunting for cheap auto insurance in Virginia, USAA is hard to beat, especially for military families with some of the lowest rates. State Farm offers solid coverage at a great price, while Geico keeps things affordable for budget-conscious drivers. All three are great options, depending on what you’re looking for.
These three are great choices whether you prioritize low rates or reliable service. Each offers something unique to fit different needs, making it easy to find the right fit.
Our Top 10 Company Picks: Cheap Auto Insurance in Virginia
| Company | Rank | Bundling Discounts | Monthly Rates | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | $22 | Military Benefits | USAA |
 | #2 | 17% | $29 | Innovative Tools | State Farm |
 | #3 | 25% | $30 | Affordable Rates | Geico |
 | #4 | 10% | $34 | Reliable Network | Progressive |
 | #5 | 25% | $41 | Family Focus | American Family |
 | #6 | 13% | $42 | Policy Flexibility | Travelers |
 | #7 | 20% | $44 | Financial Strength | Nationwide |
 | #8 | 20% | $52 | Customizable Plans | Farmers |
 | #9 | 25% | $56 | Broad Coverage | Allstate |
 | #10 | 25% | $66 | Comprehensive Features | Liberty Mutual |
The table lists our top 10 picks for cheap auto insurance in Virginia, giving you a simple way to compare rates and coverage options. It’s a quick guide to help you find the best fit for your budget and needs.
Find the best auto insurance company near you by entering your ZIP code into our free quote tool above.
- Best business insurance for assisted living covers liability, property, and employee risks
- Specialized policies protect against patient incidents and meet regulations
- USAA is the top choice for comprehensive, affordable coverage
#1 – USAA: Best for Military Families and Low Rates
Pros
- Excellent Support: USAA offers quick, friendly customer service for the best business insurance for assisted living.
- Exclusive Perks: Military families get discounts and tailored financial advice for assisted living insurance.
- Custom Plans: USAA auto insurance provides customizable coverage to meet the unique needs of assisted living facilities.
Cons
- Eligibility Limits: USAA is only available to military families, limiting access to their business insurance for assisted living.
- Higher Costs: In the business insurance for the assisted living market, some USAA policies may be more expensive than others.
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#2 – State Farm: Best for Customer Support
Pros
- Reliable Coverage: State Farm strongly protects your assisted living business so you can focus on running things smoothly.
- Local Agents: With agents in your area, you get personalized service from someone who understands your facility’s needs.
- Variety of Options: State Farm offers flexible coverage options, making finding what works best for your facility easy.
Cons
- Higher Premiums: Some of their policies may come with higher premiums than other providers.
Limited Discounts: State Farm offers fewer discounts for assisted living business insurance than other companies.
#3 – Geico – Best for Affordable Rates
Pros
- Affordable Rates: Geico offers budget-friendly rates for your assisted living business insurance so you can protect your facility without overspending.
- Quick Online Quotes: Getting a quote is a breeze you can compare coverage options for your business in minutes.
- Friendly Support: Geico’s customer service team is always ready to help with any questions or concerns about your assisted living business insurance.
Cons
- Fewer Specialized Options: Geico auto insurance may not have as many coverage options specifically designed for assisted living businesses.
- Limited Local Agents: With fewer local agents, it could be harder to find someone who understands the specific needs of your facility.
#4 – Progressive – Top for Customizable Coverage
Pros
- Affordable Rates: Progressive auto insurance offers great prices for assisted living business insurance, so you can get the coverage you need without overspending.
- Customizable Coverage: It’s easy to adjust your assisted living business insurance to match your unique needs.
- Reliable Customer Service: Progressive’s customer service team can answer any questions and assist with your assisted living business insurance.
Cons
- Limited Local Agents: With fewer local agents, finding one who truly understands your assisted living business may be harder.
- Higher Premiums for Some Plans: Some policies for assisted living businesses may have higher premiums than those for other providers.
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#5 – American Family – Top Option for Family-Friend
Pros
- Affordable Rates: American Family offers great pricing, so you can get the coverage you need without exceeding your budget.
- Customizable Coverage: Tailor your policy to fit the unique needs of your assisted living business.
- Friendly Support: Their customer service is quick to respond and always happy to assist with any questions.
Cons
- Limited Discounts: American Family auto insurance may not offer as many discounts as other providers.
- Fewer Local Agents: There are fewer agents in some areas, so finding one who understands your business needs might be harder.
#6 – Travelers – Best for Comprehensive Coverage
Pros
- Bundle for Savings: When you combine your auto insurance with other policies, save more.
- Quick Claims: They make the claims process fast and hassle-free.
- Stress-Free Claims: Filing a claim is simple and speedy, so you can get back on the road quickly.
Cons
- Limited Discounts: Travelers don’t offer as many discounts as other insurers.
- Fewer Local Agents: Finding an agent familiar with your business might be tougher in certain areas.
#7 – Nationwide – Top for Personalized Service
Pros
- Tailored Coverage for Delivery Drivers: Insurance built to match the unique needs of food delivery pros.
- Save More with Bundling: Combine policies to cut costs, which is perfect for delivery drivers looking to save.
Reliable Claims Support Services: Explore our target Nationwide auto insurance review for strong assistance during the claims process, which is crucial for food delivery drivers.
Cons
- Limited Discounts: Nationwide doesn’t have as many discounts as other options.
- Inconsistent Pricing: Rates can change based on where your business is located and the level of risk.
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#8 – Farmers – Best for Flexible Policies
Pros
- Customizable Coverage: Farmers make it easy to adjust policies to fit exactly what you need.
- Helpful Customer Support: Their friendly agents are always ready to guide you through your options.
- Plenty of Discounts: From bundling to safe driving, Farmers offers ways to save on your policy.
Cons
- Pricier Premiums: Farmers tend to be more expensive than some other options.
- Basic Online Tools: Their website and app are functional but could use more features for convenience.
#9 – Allstate – Top for Discounts and Wide Coverage
Pros
- Flexible Coverage: Allstate Auto Insurance makes building a plan that fits your business perfectly easy.
- Solid Reputation: Allstate’s strong financial stability gives you peace of mind.
- Personalized Support: Agents are local, so they get your needs and can offer hands-on help.
Cons
- Higher Premiums: You might pay more compared to other insurance providers.
- Inconsistent Service: The support quality can vary depending on the agent or office.
#10 – Liberty Mutual – Best for Competitive Rates
Pros
- Tailored Coverage: Liberty Mutual makes it easy to customize your insurance to fit your business.
- Great Discounts: You can save on premiums with bundling, safe driving, and more.
- Solid Reputation: People trust them for their substantial financial standing, which is pretty reliable regarding coverage.
Cons
- Higher Premiums: Liberty Mutual auto insurance can be a bit more expensive than other options
- Fewer Local Agents: Customer service may feel less personal with fewer local agents.
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Virginia Auto Insurance Rates by Provider
This breakdown makes finding the best coverage for your budget and needs easy. Getting the right option just became a lot simpler!
Virginia Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $56 | $133 |
| $41 | $97 |
| $52 | $125 |
| $30 | $70 |
| $66 | $158 |
| $44 | $104 |
| $34 | $81 |
| $29 | $69 |
| $42 | $100 |
| $22 | $51 |
Now that you have all the details, choosing the right coverage for your budget and needs is simpler than ever. With this guide, you can confidently compare your options and find the best fit without the stress. Whether you’re looking for affordability, reliable coverage, or peace of mind, you’re well on your way to making an informed decision that works for you.
Your Quick Guide to Virginia Car Insurance
Sorting out car insurance in Virginia doesn’t have to be stressful. Whether you’re looking for a deal or just trying to figure out the costs, this guide will help you make the right choice.
Virginia Statistics Summary
| Virginia Stats Summary | Details |
|---|---|
| Road Miles | Total in State: 75,061 Vehicle Miles Driven: 82,625 million |
| Vehicles | Registered: 7,046,065 Total Stolen: 8,111 |
| State Population | 8,366,767 |
| Most Popular Vehicle in State | Honda CR-V |
| Percent of Uninsured Motorists | 9.90% State Rank: 34 |
| Total Driving Fatalities | Speeding Fatalities: 219 Drunk Driving Fatalities: 246 |
| Average Annual Premiums | Liability: $425.61 Collision: $280.52 Comprehensive: $136.54 |
| Cheapest Providers | Geico and USAA |
Once you get the basics, finding Virginia car insurance becomes easier. Keeping a clean driving record can help you save money and get better options. With the right coverage, you can drive without worrying.
Plus, a clean driving record can help lower your rates, so keeping things safe on the road is worth it. Stay safe and enjoy the ride!
Virginia’s Top Auto Insurance Discounts
Why pay full price for car insurance when discounts are available? Whether you’re a safe driver, a student, or bundling policies, there are plenty of ways to cut costs. We’ve rounded up the best deals from top providers in Virginia. Check them out and start saving!
Auto Insurance Discounts From the Top Providers in Virginia
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driving Bonus, Anti-Theft, New Car, Good Student, TeenSMART Program, Early Signing, FullPay, Responsible Payer |
| Multi-Policy, Good Driver, Defensive Driving, Good Student, Young Volunteer, Loyalty, Early Bird, Generational, Auto Safety Equipment, Low Mileage |
| Multi-Policy, Good Student, Safe Driver, Defensive Driving, Distant Student, Homeowner, Alternative Fuel, Anti-Theft Device, Pay-in-Full |
| Multi-Policy, Good Driver, Defensive Driving, Military, Federal Employee, Membership and Employee, Seat Belt Use, Anti-Theft System, New Vehicle |
| Multi-Policy, Early Shopper, Vehicle Safety, Claims-Free, Defensive Driving Course, Hybrid Vehicle, New Graduate, Newly Married, Military |
| Multi-Policy, SmartRide Program, SmartMiles Program, Accident-Free, Defensive Driving, Good Student, Anti-Theft, Easy Pay Sign-Up, Paperless, Affinity Group |
| Multi-Policy, Snapshot Program, AutoPay, Good Driver, Homeowner, Continuous Insurance, Online Quote, Paperless, Pay-in-Full, Good Student, Distant Student |
| Multi-Policy, Good Student, Safe Driver, Defensive Driving, Accident-Free, Vehicle Safety, Passive Restraint, Anti-Theft, Student Away at School |
| Multi-Policy, Safe Driver, Paid-in-Full, New Car, Continuous Insurance, Hybrid/Electric Vehicle, Homeowner, Good Payer, Early Quote, EFT, Good Student |
| Multi-Policy, Safe Driver, Defensive Driving Course, New Vehicle, Low Mileage, Vehicle Storage, Military Installation, Family Discount |
Scoring a discount is easier than you think. A quick policy check could mean extra cash in your pocket. Don’t miss out—see which deals work for you and start saving today!
Coverage options vary, but common types include liability, collision, comprehensive, and uninsured motorist protection. Having car insurance isn’t just a smart move; it’s required in most states to drive legally.
USAA stands out for its unbeatable rates, top-tier customer service, and exclusive discounts for military families.
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Compare Car Insurance Rates Across Virginia
Car insurance rates in Virginia can vary more than you think. Whether you’re paying too much or getting a great deal, this breakdown of premiums across the state will give you a clear picture. See where you stand and find ways to save!
Virginia Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risk | B+ | Virginia has moderate weather risks with occasional hurricanes and flooding impacting premiums. |
| Traffic Density | B | Traffic is moderate in urban areas, but rural regions experience lighter traffic, balancing the impact. |
| Average Claim Size | B- | The average claim size is slightly above the national average due to repair and medical costs. |
| Vehicle Theft Rate | C+ | Vehicle theft rates are higher in certain urban areas but remain moderate overall in the state. |
| Uninsured Drivers Rate | C | The uninsured driver rate is above average, contributing to slightly higher premiums for insured drivers. |
Your rate might be on target, or it might be time to shop around. Compare auto insurance costs, explore discounts, and ensure you’re not overpaying for coverage in Virginia!
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
Frequently Asked Questions
What’s the cheapest auto insurance in Virginia for 2025?
Depending on your driving history and coverage needs, the cheapest rates often come from providers like Geico, State Farm, and USAA.
How can I find affordable car insurance in Virginia?
Compare quotes, look for discounts, and consider adjusting your coverage to match your budget and needs.
Does my driving record affect my Virginia auto insurance rates?
Yep, your driving record plays a big role. You will likely see lower rates if you’ve kept a clean slate. But if you’ve had a few accidents or tickets, your premiums might go up. Keep driving safe and smart to save more!
Is car insurance in Virginia expensive?
It depends on the provider and your profile, but affordable options are available if you shop around and choose the right coverage.
Can I get cheap car insurance with a poor credit score in Virginia?
While a poor credit score may increase your rates, some providers offer more lenient policies. Compare options to find the best deal.
Are there discounts available for Virginia drivers?
Yes! Many insurers offer discounts for safe driving, bundling policies, being a good student, or even driving a low-mileage car. It’s worth checking with your provider to see what you qualify for!
How does my vehicle type affect my car insurance rates?
Your car type can impact your rates. On the other hand, sedans and family cars are usually cheaper to cover. So, the kind of car you drive can make a big difference in what you pay!
Can driving less help me save on car insurance in Virginia?
Yes, reducing your mileage could lower your rates, especially if you qualify for a low-mileage or pay-per-mile policy.
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What is the minimum car insurance requirement in Virginia for 2025?
In Virginia, you’ll need at least $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. These are the basic requirements to stay covered on the road.
Is it worth switching providers for cheaper insurance in Virginia?
If you find a better deal with similar or better coverage, it’s worth considering a switch to save money.