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Cheapest Car Insurance Rates In Virginia (2018)

Looking for cheap auto insurance in Virginia can feel like an endless struggle due to the myriad companies that are competing for your business. To help you avoid the headache and save time, our team compared quotes from nine providers to find the best rates for the following four driver categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$80/month estimate

$/month estimate

Is your driving record free of accidents? If you’ve avoided collisions for multiple consecutive years, you may have an opportunity to lower your auto insurance rates by switching to Geico or State Farm.

Best Rates For Teen Drivers

$/month estimate

$111/month estimate

It’s no secret that teenagers are inexperienced behind the wheel compared to their adult counterparts—and they tend to succumb more easily to distractions and peer pressure. For these and other reasons, teens are more likely to file accident claims, which is why insurance companies charge them more for coverage.

If you need to find cheap car insurance for teenagers in Virginia and you’re only looking for coverage that meets the state’s minimum requirements, consider getting a quote from Geico and State Farm.

Best Rates For Drivers With A DUI

$88/month estimate

$/month estimate

If you’ve been convicted of DUI, you’ve probably spent a small fortune on fines and attorney fees. To lighten the financial burden, try comparing auto insurance quotes from State Farm and Progressive.

In our study, these two carriers stood out for their relatively low rates for drivers in Virginia who had a DUI involving a blood alcohol concentration of 0.08. Over time, switching to an insurance company that caters to this driver category may save you thousands since a DUI can affect your premiums for many years after your conviction.

Best Rates For Senior Drivers

$61/month estimate

$/month estimate

If you’re a senior and you rarely drive, consider getting auto insurance quotes from State Farm and Geico. The driver in our analysis was 65 years old and hadn’t been found at-fault for any recent crashes or been ticketed for any major traffic infractions. The driver commuted 4,000 miles per year.

STUDY METHODOLOGY

Most segments of our research involved a 29-year-old motorist who drove a 2014 Toyota Corolla 12,000 miles per annum. We averaged the premiums for females and males from five zip codes throughout Virginia. For all driver types except teenagers, we used liability limits of 50/100/25 and the same amount in uninsured motorist coverage.

How Much Car Insurance Are Motorists In Virginia Required To Purchase?

Drivers in Virginia are required by law to have auto insurance that meets these minimum limits:

  • $25,000 Per Person / $50,000 Per Crash In Liability Coverage For Bodily Injuries
  • $20,000 In Liability Coverage For Property Damage
  • $25,000 Per Person And $50,000 Per Accident In Un/Underinsured Motorist Bodily Injury Coverage
  • $20,000 Per Accident In Un/Underinsured Motorist Property Damage Coverage

 

cheapest car insurance in virginia

Visit the PennyGeeks blog page for useful answers to auto insurance FAQs.

 

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How Can I Get My Car Insurance Premiums Reduced? Should I Buy Uninsured Motorist Coverage? What Factors Affect My Auto Insurance Rates? When Can My Car Insurance Company Increase My Premiums? What Are Common Reasons Why Car Insurance Claims Are Denied?