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.
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.
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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly Rate |
| Progressive | $627 | $52.25 |
| State Farm | $643 | $53.58 |
| Erie | $799 | $66.58 |
| Mercury | $831 | $69.25 |
| USAA | $883 | $73.58 |
Related: Cheapest Car Insurance in Alaska
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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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:
| Insurance Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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 Company | Annual Rate | Monthly 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:
- At a minimum; insured for $30,000 bodily injury liability per person and $60,000 total.
- 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
