Cheap Car Insurance in Virginia 2019
| Company Click to see reviews | Average annual premium in Virginia |
|---|---|
| The Hartford | $1,351 |
| Erie Insurance | $1,397 |
| Travelers Insurance | $1,424 |
| Nationwide Insurance | $1,516 |
| State Farm | $1,531 |
| USAA (must have a military affiliation to apply) | $1,569 |
| Allstate Insurance | $1,608 |
| Progressive Insurance | $1,627 |
| AAA Insurance/Auto Club | $1,670 |
| National General | $1,684 |
| Elephant Insurance | $1,701 |
| Liberty Mutual | $1,707 |
| Esurance | $1,766 |
| The General | $1,950 |
Insurance increases in Virginia after a speeding ticket
Virginia drivers who get a speeding ticket pay an average insurance increase of 30%, higher than the average increase nationwide.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Virginia | $1,596/year | $2,071/year | 30% |
| Nationwide average | 26% | ||
Insurance increases in Virginia after an accident
Virginia drivers who cause an accident get an average insurance increase of 43%, higher than the national average increase. This makes Virginia the 4th highest states for increases after an accident.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| Virginia | $1,596/year | $2,277/year | 43% |
| Nationwide average | 36% | ||
Average car insurance costs in Virginia cities
Drivers in Woodbridge and Norfolk pay the most for auto insurance among the Virginia cities we examined.
| City | Average annual premium |
|---|---|
| Alexandria | $1,578 |
| Arlington | $1,555 |
| Charlottesville | $1,387 |
| Chesapeake | $1,573 |
| Fairfax | $1,516 |
| Falls Church | $1,578 |
| Fredericksburg | $1,548 |
| Hampton | $1,666 |
| Lynchburg | $1,593 |
| Manassas | $1,679 |
| Newport News | $1,667 |
| Norfolk | $1,749 |
| Portsmouth | $1,694 |
| Richmond | $1,613 |
| Roanoke | $1,467 |
| Suffolk | $1,531 |
| Virginia Beach | $1,596 |
| Woodbridge | $1,781 |
Penalty for not having car insurance in Virginia
- Failure to pay uninsured motor vehicle fee on an uninsured vehicle or providing false evidence of insurance are both Class 3 misdemeanors in Virginia, punishable by a fine up to $500. Your driver's license and vehicle registration will be suspended until the fee is paid and you provide proof of financial responsibility.
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 21, 2019