Cheap Auto Insurance in Virginia for 2025 (Find Savings With These 10 Companies)

If you’re looking for cheap auto insurance in Virginia, USAA is the best option, but it’s only for military members and their families. 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.

Whether you prioritize low rates or reliable service, these three are great choices on cheap auto insurance in Virginia. 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

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 cheapest auto insurance company near you by entering your ZIP code into our free quote tool.

#1 – USAA: Top Overall Pick

Pros

• Huge Savings for Military Families: USAA consistently offers the cheapest auto insurance in Virginia for military members, veterans, and their families.
• Lots of Ways to Save: USAA helps drivers cut costs with discounts for bundling, safe driving, and a solid payment history. These savings make the cheap auto insurance in Virginia even more affordable.
• Reliable, Hassle-Free Support: USAA is known for its quick claims processing and helpful customer service. Whether you need to update your policy or file a claim.

Cons

• Limited to Military Members: USAA’s cheap auto insurance in Virginia is not available to everyone. You must be an active or former military member or have an eligible family connection to qualify.
• Fewer In-Person Locations: USAA operates mainly online, which is convenient for many. However, if you prefer visiting an office for help with your policy, the lack of physical locations in Virginia might be a downside.
  

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – State Farm: Best for Customer Support

Pros

• Affordable for a Wide Range of Drivers: State Farm offers cheap auto insurance in Virginia with competitive rates, so you can save without compromising on coverage.
• There are lots of Ways to save. Safe drivers, students, and those who bundle home and auto insurance can take advantage of discounts that further lower their monthly premiums.
• Local Agents for Personal Support: Unlike online-only companies, State Farm has agents across Virginia, so drivers who prefer face-to-face service can quickly get help with claims or policy questions.

Cons

• Rates Aren’t the Cheapest for Everyone: While State Farm offers cheap auto insurance in Virginia, drivers with accidents, speeding tickets, or lower credit scores may see higher rates.
• Online Tools Could Be Better: The mobile app is helpful for managing policies, but it lacks some advanced features found with digital-first insurers, which may not be ideal for tech-savvy drivers.

#3 – Geico: Best for Affordable Rates

Pros

• One of the Cheapest Options: Geico consistently offers cheap auto insurance in Virginia, making it a top choice for drivers looking to save money.
• Plenty of Discounts to Lower Costs: Safe drivers, military members, and policy bundlers can take advantage of multiple discounts to reduce their premiums even more.
• Convenient Online and Mobile Access: Geico’s user-friendly website and mobile app make managing your policy, filing claims, and getting cheap auto insurance in Virginia easy.

Cons

• Limited Local Agent Support: Geico primarily operates online, so drivers who prefer in-person help may find the lack of local offices inconvenient.
• Rates Can Be Higher for High-Risk Drivers: While Geico auto insurance offers cheap auto insurance in Virginia for many, drivers with accidents or low credit scores may see higher premiums.

#4 – Progressive: Best for Customizable Coverage

Pros

• Budget-Friendly for Many Drivers: Progressive auto insurance provides cheap auto insurance in Virginia, making it an excellent choice for those who want affordable coverage without cutting corners.
• There are many Ways to save: Safe drivers, multi-policy holders, and those who set up automatic payments can unlock discounts to lower their premiums even more.
• Name Your Price® Tool: Progressive’s unique tool helps drivers find cheap auto insurance in Virginia by letting them customize coverage based on their budget.

Cons

• Rates Can Be Higher for Some Drivers: While Progressive provides cheap auto insurance in Virginia, those with accidents or low credit scores may see higher premiums.
• Customer Service Can Be Hit or Miss: Some drivers report mixed experiences with Progressive’s claims process, which may not be as smooth as other top insurers.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – American Family: Best for Families

Pros

• Budget-Friendly for Many Drivers: American Family makes cheap auto insurance in Virginia easy to find, offering competitive rates that help drivers save while staying covered.
• Lots of Discounts to Lower Costs: Safe drivers, students, and policy bundlers can take advantage of multiple discounts to make their premiums even more affordable.
• Personalized Customer Support: Unlike online-only insurers, American Family has local agents who provide one-on-one guidance to help drivers find the best cheap auto insurance in Virginia.

Cons

• Not Available Everywhere: American Family’s cheap auto insurance in Virginia isn’t as widely offered as more prominent insurers, which may make it harder to find coverage in some areas.
• Digital Features Could Be Better: While the website and app make managing policies easier, they don’t have as many advanced tools as some online-focused competitors.

#6 – Travelers: Best for Comprehensive Coverage

Pros

• Great for Budget-Conscious Drivers: Travelers keeps cheap auto insurance in Virginia within reach, offering competitive rates that help drivers save without skimping on coverage.
• There are lots of Ways to save. Safe drivers, bundlers, and those with a strong payment history can stack multiple discounts, making already affordable rates even lower.
• Coverage That Fits Your Needs: Travelers lets drivers customize their policies, making it easy to find cheap auto insurance in Virginia while still getting solid protection.

Cons

• Not Ideal for High-Risk Drivers: Travelers auto insurance offers affordable rates, but drivers with past accidents or lower credit scores may face higher premiums in Virginia.
• Customer Support Can Be Hit or Miss: Some drivers report slow claims processing or inconsistent service, which can be frustrating when you need quick assistance.

#7 – Nationwide: Best for Personalized Service

Pros

• Affordable for Many Drivers: Nationwide offers cheap auto insurance in Virginia with competitive rates, making it an excellent choice for budget-conscious drivers.
• Easy Ways to Cut Costs: Safe drivers, bundlers, and those with a good payment history can stack discounts to lower their rates even more.
• Vanishing Deductible Perk: Nationwide rewards safe drivers by reducing their deductible over time, helping them save even more on cheap auto insurance in Virginia.

Cons

• Rates Can Be Higher for High-Risk Drivers: While Nationwide offers cheap auto insurance in Virginia for many, drivers with accidents or lower credit scores may see higher premiums.
• Limited Local Agents in Some Areas: Unlike other major insurers, Nationwide has fewer in-person agents in Virginia, which may be inconvenient for drivers who prefer face-to-face support.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – Farmers: Best for Flexible Policies

Pros

• Affordable and Customizable Coverage: Farmers offers flexible policies that make finding cheap auto insurance in Virginia simple. Drivers can adjust coverage options to match their needs without overspending.
• Plenty of Ways to Save: Safe drivers, homeowners, and policy bundlers can take advantage of multiple discounts, lowering costs and making an already affordable policy even cheaper.
• Reliable Customer Support: Farmers’ agents offer personalized service, helping drivers navigate claims, policy changes, and billing questions with ease, which is a big plus when managing auto insurance in Virginia.

Cons

• Not Always the Cheapest Option: While farmers offer competitive pricing, some drivers, especially those without discounts, may find lower rates than other companies offering cheap auto insurance in Virginia.
• Online Tools Could Be Better: Farmers’ website and mobile app lack some features that competitors offer, which may make managing policies, claims, and payments less convenient for tech-savvy drivers.

#9 – Allstate – Best for Discounts 

Pros

• Affordable Plans with Plenty of Options: Allstate offers cheap auto insurance in Virginia with flexible policies, helping drivers find the right balance between cost and coverage.
• Discounts That Lower Rates Even More: Safe drivers, good students, and policy bundlers can use multiple discounts to lower their insurance costs.
• Easy Access to Support: Allstate’s extensive network of local agents, user-friendly website, and mobile app make managing cheap auto insurance in Virginia simple and convenient.

Cons

• Higher Rates Without Discounts: While Allstate offers affordable plans, drivers who don’t qualify for discounts may find cheaper auto insurance in Virginia with other providers.
• Mixed Customer Service Reviews: Some drivers report slow claims processing and inconsistent service, which could be frustrating when dealing with policy issues or accidents.

#10 – Liberty Mutual: Best for Competitive Rates

Pros

• Budget-Friendly with Flexible Coverage: Liberty Mutual offers cheap auto insurance in Virginia with options to customize your policy so you get the coverage you need without overpaying.
• Plenty of Discounts to Lower Costs: Safe drivers, students, and those who bundle policies can score extra savings, making already low rates even more affordable.
• Easy Online Quotes and Account Management: With a user-friendly website and mobile app, Liberty Mutual makes it simple to get a quote, file claims, and manage your policy anytime.

Cons

• Not Always the Cheapest for High-Risk Drivers: If you have accidents or a lower credit score, you might find cheaper auto insurance in Virginia with other providers.
• Customer Service Can Be Hit or Miss: While many drivers have a smooth experience, some report delays with claims and policy changes depending on the location.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

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

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.

Virginia Car Insurance Statistics

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

Once you get the basics, finding Virginia car insurance becomes more manageable. 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 auto insurance premiums, 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

Getting a car insurance 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 save today!

Coverage options vary, but common types include liability, collision, comprehensive coverage, and uninsured motorist protection. Having car insurance isn’t just a smart move; it’s required in most states to drive legally.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

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

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.