Cheap Car Insurance in Virginia

How Virginia stacks up

At $1,375 per year for full coverage, Virginia drivers pay 23% less than the national average of $1,789. Below-average rates statewide; uninsured motorist fee is required if you go without liability.

Premiums vary widely within Virginia based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.

Required minimum coverage in Virginia

Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.

5 ways to lower your Virginia car insurance

• Compare 3+ insurers — drivers who shop can save up to $487/year on average.
• Raise your deductible from $500 to $1,000 if you have an emergency fund.
• Bundle auto with home or renters insurance (10–25% discount).
• Ask about telematics / usage-based discounts (10–30% if you drive carefully).
• Below-average rates statewide; uninsured motorist fee is required if you go without liability.