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Best & Cheapest Virginia Car Insurance as Rated by Customers in 2020

4.95 ★★★★★
32 customer reviews
rated their claim's experience positively
4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
207 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.05 ★★★★★
2230 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.90 ★★★★★
144 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.52 ★★★★★
116 customer reviews
rated their claim's experience positively
3.08 ★★★★★
295 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively
2.06 ★★★★★
38 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

Car insurance companies can promise a lot, but finding out how happy their policyholders are with the company is the true test. When shopping for car insurance in Virginia, check out customers reviews from the top-rated companies in the state to see which is a good fit for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Virginia. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Virginia car insurance companies.

In the table above, you can sort through all the Virginia car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Virginia car insurance rankings.

Interested in learning more about one of these Virginia car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Virginia?

Virginia teen drivers find the cheapest car insurance rates with USAA on average. USAA is an insurer that provides coverage to military members and their families. If you don't qualify for coverage from USAA, the second cheapest company on our list for teens is Geico. In the table below, you can find Virginia teen car insurance rates for male and female drivers. The average premiums are listed for the five largest car insurance companies in Virginia.

Company Female teen rates Male teen rates
Allstate Insurance $1,042 $1,013
Geico $882 $994
Nationwide $1,293 $1,572
State Farm Insurance Company $1,007 $1,184
USAA $699 $792

These rates are based on profiles for 18-year-old male and female drivers in Virginia. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Virginia?

Out of the five largest auto insurers in Virginia, Geico offers the cheapest car insurance rates for married couples in the state on average. The table below gives you a look at average Virginia car insurance rates for married couples with two cars on a policy from the five largest companies in the state.

Company Married couple rates
Allstate Insurance $1,927
Geico $1,228
Nationwide $1,287
State Farm Insurance Company $1,482
USAA $1,421

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Virginia?

Among the five largest companies in Virginia, USAA provides the cheapest car insurance rates for male and female senior drivers on average. The next cheapest options for senior drivers in Virginia is State Farm and Nationwide.

Company Female senior rates Male senior rates
Allstate Insurance $1,192 $1,192
Geico $906 $906
Nationwide $673 $719
State Farm Insurance Company $693 $693
USAA $630 $641

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Virginia for car insurance

While age and marital status affect the cost of car insurance, so does where you live. Virginia car insurance rates vary based on the city and neighborhood you live in. The table below displays the top 10 most expensive areas in Virginia for car insurance based on average rates for a single adult.

Area Car insurance rates
Fulks Run $859
Harrisonburg $860
Broadway $860
Staunton $861
Bridgewater $862
Dayton $863
Linville $864
Blacksburg $864
Fishersville $864
Lacey Spring $865

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Virginia for car insurance

When looking at the average car insurance rates in Virginia, rates vary based on your location. The table below displays the top 10 most expensive areas in Virginia for car insurance based on average rates for a single adult.

Area Car insurance rates
Annandale $1,201
Fort Belvoir $1,187
Lorton $1,173
Merrifield $1,167
Springfield $1,166
Norfolk $1,159
West Mclean $1,159
Dumfries $1,149
Alexandria $1,149
Woodbridge $1,147

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Virginia

Virginia drivers are required to have liability insurance as well as uninsured motorist coverage. The state does allow drivers to pay a $500 uninsured motor vehicle fee to the DMV, which enables you to drive uninsured for 12 months. However, if you’re in an at-fault accident during this time, you’ll have to pay for all costs associated with the accident out of pocket, so it’s best to purchase car insurance to protect yourself.

Virginia has outlined the minimum limits you must obtain for your liability and uninsured motorist coverage, listed below. Still, it’s important to consider purchasing higher limits to ensure you’re properly covered for a costly accident. You can learn more about different car insurance coverages and what the limits mean on our blog.

Virginia state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $20,000 per accident

Underinsured/uninsured motorist:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $20,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Uninsured motorist coverage offers protection for you in the event you are injured in an accident by an at-fault driver who doesn’t have insurance or doesn’t have enough coverage. According to 2015 data from the Insurance Information Institute, 9.9 percent of Virginia drivers are uninsured.

How car insurance rates are calculated in Virginia

When searching and comparing quotes from the best auto insurance companies in Virginia, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Virginia

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Virginia car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Virginia

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.