Cheapest Car Insurance in Virginia (Compare Rates For 2022)


Cheapest Car Insurance in Virginia.

It’s not always easy choosing the right car insurance on a budget. This is why we decided to compare and analyze the cheapest car insurance in Virginia.

We will be going over every type of cheap car insurance in VA. You came to the right place whether you’re looking for full coverage, minimum coverage, or auto insurance after a speeding ticket.

You will also find information on car insurance prices for Virginia drivers with a DUI, an accident, or poor credit.

On top of that, we also compared the cheapest auto insurance options for 20, 25, 30, and 65+ years old.

Table of Contents

Overview of the Cheapest Car Insurance in Virginia

For Minimum Coverage: Progressive offers cheap auto insurance for minimum coverage at $426 annually or $35.5 a month.

Cheapest Full Coverage: Progressive also offers the cheapest full coverage car insurance at $456 a year or $38 a month. 

For Drivers With One At-Fault Accident: Erie is the best option for drivers with one at-fault accident. Going with Erie will cost you $657 a year or $54.75 per month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $627 annually or $52.25 a month with Progressive.

For Drivers With a Speeding Ticket: GEICO offers the lowest priced auto insurance at $501 a year or $41.75 a month.

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Cheapest For Drivers With Poor Credit: If you have poor credit, Progressive is the cheapest option for auto insurance. Getting Progressive insurance will cost you $762 a year or $63.50 per month.

We excluded USAA from these Virginia insurance choices due to USAA only being available to those currently or previously involved with the military.

Cheapest Minimum Coverage Car Insurance in Virginia

If you want the bare minimum coverage in Virginia, these are the lowest rates:

Insurance CompanyAnnual RateMonthly Rate
Progressive$426$35.50
USAA$426$35.50
Erie$447$37.25
GEICO$447$37.25
State Farm$501$41.75

Cheapest Full Coverage Car Insurance in Virginia

These are the rates you can expect in Virginia if you want to be fully covered when driving:

Insurance CompanyAnnual RateMonthly Rate
Progressive$456$38.00
USAA$486$40.50
Erie$496$41.33
GEICO$501$41.75
Nationwide$581$48.42

Cheap Car Insurance in Virginia For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in VA may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest Virginia Car Insurance With a Speeding Ticket

Here are the cheapest car insurance in VA for a driver with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
GEICO$501$41.75
Erie$518$43.17
Progressive$588$49.00
USAA$594$49.50
State Farm$643$53.58

Cheap Virginia Auto Insurance With One At-Fault Accident

These are the cheapest options when it comes to car insurance for VA drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
Erie$657$54.75
State Farm$703$58.58
USAA$721$60.08
GEICO$737$61.42
Progressive$759$63.25

Cheap Virginia Car Insurance With a DUI

These insurance companies each have cheap annual rates for VA drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Progressive$627$52.25
State Farm$643$53.58
Erie$799$66.58
Mercury$831$69.25
USAA$883$73.58

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Cheapest Auto Insurance For Virginia Drivers With Poor Credit

If you’re located in Virginia and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Progressive$762$63.50
USAA$811$67.58
Erie$828$69.00
GEICO$837$69.75
Nationwide$971$80.92

Cheapest Car Insurance For 20-Year-Old Drivers in Virginia

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in VA.

Cheapest Full Coverage Car Insurance For 20-Year-Old Virginia Drivers

These companies have the cheapest full coverage auto insurance for 20-year-olds in VA.

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,154$96.17
USAA$1,229$102.42
Erie$1,255$104.58
GEICO$1,267$105.58
Nationwide$1,471$122.58

Cheapest Minimum Coverage Car Insurance in Virginia For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds are these companies in VA.

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,077$89.75
USAA$1,077$89.75
Erie$1,132$94.33
GEICO$1,132$94.33
State Farm$1,267$105.58

Cheap Auto Insurance For 20-Year-Old Virginia Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old VA drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,930$160.83
USAA$2,054$171.17
Erie$2,098$174.83
GEICO$2,119$176.58
Nationwide$2,460$205.00

Cheap Car Insurance For 20-Year-Old Virginia Drivers With a Speeding Ticket

These insurers have the least expensive car insurance for 20-year-old VA drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
GEICO$1,267$105.58
Erie$1,310$109.17
Progressive$1,487$123.92
USAA$1,504$125.33
State Farm$1,626$135.50

Cheap Auto Insurance in Virginia For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

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Insurance CompanyAnnual RateMonthly Rate
Progressive$1,588$132.33
State Farm$1,626$135.50
Erie$2,021$168.42
Mercury$2,102$175.17
USAA$2,234$186.17

Cheap Car Insurance in Virginia For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in VA with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
Erie$1,662$138.50
State Farm$1,778$148.17
USAA$1,824$152.00
GEICO$1,866$155.50
Progressive$1,921$160.08

Cheapest Car Insurance For 25-Year-Old Drivers in Virginia

25 is the age when VA auto insurance premiums start to decline quicker. This means living in Virginia, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old Virginia Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in VA:

Insurance CompanyAnnual RateMonthly Rate
Progressive$634$52.83
USAA$675$56.25
Erie$689$57.42
GEICO$696$58.00
Nationwide$808$67.33

Cheapest Minimum Coverage Car Insurance in Virginia For 25-Year-Old Drivers

These auto insurers has the cheapest minimum coverage car insurance for VA 25-year-olds.

Insurance CompanyAnnual RateMonthly Rate
Progressive$592$49.33
USAA$592$49.33
Erie$622$51.83
GEICO$622$51.83
State Farm$696$58.00

Cheap Auto Insurance For 25-Year-Old Virginia Drivers With Poor Credit

25-year-old drivers with poor credit can use these companies for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
Progressive$1,058$88.17
USAA$1,127$93.92
Erie$1,150$95.83
GEICO$1,162$96.83
Nationwide$1,349$112.42

Cheap Car Insurance For 25-Year-Old Virginia Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old VA drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
GEICO$696$58.00
Erie$719$59.92
Progressive$817$68.08
USAA$826$68.83
State Farm$894$74.50

Cheap Auto Insurance in Virginia For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Progressive$872$72.67
State Farm$894$74.50
Erie$1,110$92.50
Mercury$1,155$96.25
USAA$1,228$102.33

Cheap Car Insurance in Virginia For 25-Year-Old Drivers With One At-Fault Accident

These are the least expensive car insurance yearly and monthly costs for 25-year-old drivers in VA with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
Erie$913$76.08
State Farm$977$81.42
USAA$1,002$83.50
GEICO$1,025$85.42
Progressive$1,055$87.92

Cheapest Car Insurance For 30-Year-Old Drivers in Virginia

Virginia auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old Virginia Drivers

Here are the cheapest car insurance options for 30-year-olds in VA that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
Progressive$456$38.00
USAA$486$40.50
Erie$496$41.33
GEICO$501$41.75
Nationwide$581$48.42

Cheapest Minimum Coverage Car Insurance in Virginia For 30-Year-Old Drivers

Here are the cheapest auto insurance rates for 30-year-olds in VA that want minimum coverage:

Insurance CompanyAnnual RateMonthly Rate
Progressive$426$35.50
USAA$426$35.50
Erie$447$37.25
GEICO$447$37.25
State Farm$501$41.75

Cheap Auto Insurance For 30-Year-Old Virginia Drivers With Poor Credit

These are the least expensive annual and monthly rates for 30-year-old VA drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
Progressive$762$63.50
USAA$811$67.58
Erie$828$69.00
GEICO$837$69.75
Nationwide$971$80.92

Cheap Car Insurance For 30-Year-Old Virginia Drivers With a Speeding Ticket

Check out these VA insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
GEICO$501$41.75
Erie$518$43.17
Progressive$588$49.00
USAA$594$49.50
State Farm$643$53.58

Cheap Auto Insurance in Virginia For 30-Year-Old Drivers With a DUI

These insurers have the cheapest auto insurance prices for VA 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
Progressive$627$52.25
State Farm$643$53.58
Erie$799$66.58
Mercury$831$69.25
USAA$883$73.58

Cheap Car Insurance in Virginia For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in VA with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
Erie$657$54.75
State Farm$703$58.58
USAA$721$60.08
GEICO$737$61.42
Progressive$759$63.25

Cheapest Car Insurance For Virginia Drivers Over 65 Years Old

Auto insurance prices in VA will vary depending on what you’re looking for and what your situation is as a 65-year-old driver.

Cheapest Full Coverage Car Insurance For Virginia Drivers Over 65 Years Old

The cheapest full coverage auto insurance for VA drivers over 65 years old comes from these insurers.

Insurance CompanyAnnual RateMonthly Rate
Erie$511$42.58
Progressive$516$43.00
State Farm$583$48.58
USAA$588$49.00
Nationwide$621$51.75

Cheapest Minimum Coverage Car Insurance in Virginia For Drivers Over The Age of 65

Here are all your options for getting cheap car insurance with minimum coverage in VA when you’re over 65 years old:

Insurance CompanyAnnual RateMonthly Rate
Erie$460$38.33
Progressive$483$40.25
State Farm$501$41.75
USAA$514$42.83
Nationwide$599$49.92

Cheap Auto Insurance For Virginia Drivers Over 65 Years Old With Poor Credit

If you have poor credit in VA and are over 65 years old, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
Erie$854$71.17
Progressive$862$71.83
State Farm$973$81.08
USAA$982$81.83
Nationwide$1,037$86.42

Cheap Car Insurance For Virginia Drivers Over 65 Years Old With a Speeding Ticket

If you have a speeding ticket and are over the age of 65, here are your options in VA:

Insurance CompanyAnnual RateMonthly Rate
Erie$535$44.58
State Farm$643$53.58
GEICO$684$57.00
Progressive$708$59.00
USAA$725$60.42

Cheap Auto Insurance in Virginia For Drivers Over The Age of 65 With a DUI

These car insurers has the least expensive auto insurance for VA drivers over 65 years old with a DUI:

Insurance CompanyAnnual RateMonthly Rate
State Farm$643$53.58
Progressive$748$62.33
Erie$837$69.75
Nationwide$1,062$88.50
USAA$1,090$90.83

Cheap Car Insurance in Virginia For Drivers Over 65 Years Old With One At-Fault Accident

If you don’t want to spend a lot on auto insurance but are over the age of 65 and have an accident on record, these are your options:

Insurance CompanyAnnual RateMonthly Rate
Erie$686$57.17
State Farm$703$58.58
Nationwide$906$75.50
Progressive$920$76.67
USAA$948$79.00

Virginia Minimum Auto Insurance Requirements

The state of Virginia has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; insured for $30,000 bodily injury liability per person and $60,000 total.
  2. A total of $20,000 per crash for property damage caused by the vehicle.

Methodology For Choosing Cheapest Virginia Auto Insurance

We compared rates from Virginia auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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