Auto insurance is a must if you drive in Virginia.
But paying too much for it? That’s something you can avoid.
Whether you’re a new driver or someone who has been on the road for years, there are real ways to find cheap auto insurance in VA without cutting corners on coverage.
This guide walks you through everything you need to know to lower your premiums while staying protected.
What is the Minimum Car Insurance Required in Virginia?
Virginia has unique car insurance laws.
In fact, it’s one of the only states where you can legally drive uninsured — if you pay an uninsured motor vehicle fee of $500 to the DMV.
However, this fee doesn’t provide any insurance coverage, so you’re personally responsible for any accident costs.
Most drivers choose to buy insurance instead.
Virginia’s minimum liability coverage requirements are:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $20,000 for property damage
These minimums went up in January 2025 (previously it was $25,000/$50,000/$20,000).
It’s important to stay updated because carrying less than the minimum can result in fines or loss of your driver’s license.
How Much Does Auto Insurance Cost in Virginia?
On average, full coverage auto insurance in Virginia costs around $1,350 per year (about $113 per month) as of 2025.
If you stick to the state minimum coverage, you might pay closer to $540 per year (around $45 per month).
However, your actual price depends on several factors:
- Age
- Driving history
- Type of vehicle
- Credit score
- Zip code
- Coverage limits and deductibles
Cities like Richmond and Norfolk usually have higher rates than smaller towns like Blacksburg or Harrisonburg due to traffic volume and accident rates.
Ways to Get Cheap Auto Insurance in Virginia
Finding affordable car insurance isn’t about luck.
It’s about knowing where and how to look.
Here are proven ways to lower your insurance bill:
1. Compare Quotes from Multiple Companies
No two insurance companies price drivers the same way.
One company might see you as a low-risk driver, while another charges you more for the same profile.
Some companies known for cheaper rates in Virginia include:
- GEICO (headquartered nearby in Maryland)
- USAA (for military members and their families)
- Erie Insurance
- Progressive
- State Farm
Take the time to gather quotes from at least three to five insurers before making a decision.
2. Consider Higher Deductibles
A deductible is what you pay out of pocket before your insurance kicks in.
Choosing a higher deductible, like $1,000 instead of $500, can lower your monthly premium significantly.
Just make sure you have enough savings to cover the deductible if you ever need to file a claim.
3. Bundle Your Policies
Insurance companies often reward loyalty.
If you bundle your auto insurance with homeowners or renters insurance, you could save up to 20% or more.
Ask your provider about multi-policy discounts when you shop around.
4. Maintain a Good Driving Record
Accidents, speeding tickets, and other violations can make your rates skyrocket.
In Virginia, a clean driving record can save you hundreds of dollars every year.
If you’ve had a ticket or accident recently, it’s even more important to compare quotes — some companies are more forgiving than others.
5. Take Advantage of Discounts
Many insurance companies offer hidden discounts that people often miss.
Ask about savings for:
- Good students (usually B average or higher)
- Low-mileage drivers
- Safe drivers (with telematics programs like DriveSafe or Snapshot)
- Military members and veterans
- Teachers, nurses, and first responders
- Paying your policy in full rather than monthly
Best Companies for Cheap Auto Insurance in Virginia (2025)
After reviewing current rates, customer satisfaction, and financial strength, these insurers often offer the best deals in Virginia:
| Company | Average Annual Premium | Best For |
|---|---|---|
| GEICO | $1,120 | Overall Cheap Rates |
| USAA | $1,050 | Military Families |
| Erie Insurance | $1,170 | Customer Service |
| Progressive | $1,240 | Drivers with Accident History |
| State Farm | $1,260 | Young Drivers |
Note: USAA is only available to military members, veterans, and their families.
Should You Get More Than the Minimum Coverage?
While the minimum required insurance in Virginia might be cheap, it may not offer enough protection if you get into a serious accident.
Consider carrying higher limits or adding these optional coverages:
- Collision: Pays for damage to your car in an accident, regardless of fault.
- Comprehensive: Covers non-accident damage like theft, hail, or vandalism.
- Uninsured/Underinsured Motorist: Protects you if someone else causes an accident and has little or no insurance.
Higher coverage might cost a little more monthly, but it could save you thousands if something happens.
Real Example: Finding Cheap Insurance in Roanoke, VA
Jessica, a 28-year-old driver from Roanoke, recently shopped for auto insurance after buying a used Subaru Outback.
She compared quotes from six different companies.
GEICO quoted her $89 per month for full coverage with a $1,000 deductible.
Progressive offered $96 per month, but added accident forgiveness at no extra cost.
Jessica chose Progressive because she liked the added benefit and peace of mind.
Spending just one extra hour comparing saved her over $250 per year.
Important Virginia Auto Insurance Laws to Know
- Proof of Insurance:
You must carry proof of insurance (physical card or electronic) and show it during traffic stops, accidents, or vehicle inspections. - SR-22 Requirement:
If your license was suspended (e.g., for DUI or uninsured driving), you may need to file an SR-22 certificate, which guarantees you have minimum coverage. - Grace Periods:
Virginia doesn’t give much leeway if your policy lapses. Driving without insurance (or the DMV uninsured fee) can result in immediate penalties, fines, and license suspension.
Final Thoughts
Finding cheap auto insurance in Virginia isn’t impossible — but it does take some effort.
Comparing quotes, maintaining a clean record, bundling policies, and asking about discounts can all add up to major savings.
Before signing up, think beyond just the price.
Make sure the company has good customer service, a strong reputation, and a clear claims process.
Saving money is important, but staying protected matters even more.
If you start your search today, you could lock in a better rate tomorrow — and keep more of your hard-earned money in your pocket.