The best cheap car insurance in Virginia

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  • Car Insurance in Virginia is fairly affordable. The average driver pays $785 per year for coverage. 
  • The best cheap car insurance comes Nationwide for drivers with good or better credit and GEICO for those with poor credit. 
  • Drivers who make the time to shop around for their car insurance coverage will save the most. 
  • See Business Insider's picks for the best car insurance companies. 

Finding the best cheap car insurance in Virginia will involve some shopping around. While it's not expensive to insure your car in Virginia — the average driver pays $785 per year according to the Insurance Information Institute — there are some big opportunities to save. 

Every insurance policy is different, as is everyone's premium, or cost to maintain coverage. Every insurance company prices these differently, and will look at a variety of factors, like your driving history, age, credit score, and even the type of car you drive. 

That said, it's important to shop around and find the right coverage for you. 

The most popular car insurance companies in Virginia 

The following are the most popular car insurance companies in Virginia, based on the percentage of insured Virginia drivers who use them:

CompanyMarket share (%)
GEICO19.64
State Farm14.88
USAA*13.39
Progressive11.07
Allstate9.67
Nationwide6.60
Erie Insurance4.10
Liberty Mutual2.41
Travelers2.30
VA Farm Bureau2.20
National General Holdings2.12
Elephant Insurance1.27
Farmers Insurance0.87
American Family0.85
The Hartford0.65
Agency Insurance Co. of MD0.62
MetLife0.61
Alfa Mutual Group0.60
Auto-Owners Insurance0.55
The Hanover Insurance0.39
Northern Neck Insurance0.35
Rockingham Insurance0.34
Grange Insurance0.33
Donegal0.32
Amica0.30

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

The best car insurance in Virginia based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southeast region (which includes Virginia):

  1. Farm Bureau Insurance TN
  2. Erie Insurance
  3. Alfa Insurance
  4. GEICO
  5. Auto-Owners Insurance
  6. North Carolina Farm Bureau
  7. Kentucky Farm Bureau
  8. Region Average
  9. Progressive
  10. Allstate 
  11. Safeco
  12. State Farm
  13. Farmers
  14. National General
  15. Nationwide
  16. Travelers
  17. Liberty Mutual
  18. MetLife

The best cheap car insurance in Virginia based on credit score

Consumer Reports compiled a list of the best cheap car insurance in each state, gathering pricing information from every insurance company. Here are the three best insurance companies offering the best rate at each credit level, along with the average yearly premium for each:

Drivers with excellent credit scores, FICO scores 800-850, will see some of the most affordable car insurance, on average.

  • USAA car insurance: $505 per year
  • Nationwide car insurance: $951 per year
  • State Farm car insurance: $964 per year

Drivers with good with good credit scores, FICO scores 670-739, will see the best coverage from USAA, Nationwide and State Farm, on average. 

  • USAA car insurance:  $667 per year
  • Nationwide car insurance: $1,068 per year
  • State Farm car insurance: $1,166 per year

Drivers with poor credit scores, FICO scores 300-579, will pay the most for coverage, on average, but these three companies are the most affordable in Virginia: 

  • GEICO car insurance: $1,437 per year
  • Nationwide car insurance: $1,550 per year 
  • USAA car insurance: $1,959 per year

The best car insurance for drivers with a clean record

For a driver in Virginia age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
State Farm$114
GEICO$123
Nationwide$135
Progressive$138
Travelers$141
USAA*$144
Root$147
Allstate$151
Liberty Mutual$155
Esurance$160

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 2,812 policyholders in the state of Virginia 

Best car insurance for one or more accidents on record

For a driver in Virginia age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
Bristol West$101
GEICO$130
Progressive$157
Allstate$161
Esurance$184
Farmers$198

Above data obtained from Savvy, based on 2,812 policyholders in the state of Virginia 

Virginia car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Virginia's most populous cities:

CityAverage annual insurance premium 
Virginia Beach$1,495
Norfolk$1,304
Chesapeake$1,492
Arlington$1,553
Richmond$1,299
Newport News$1,347
Alexandria$1,493
Hampton$1,348
Roanoke$1,223
Portsmouth$1,339
Suffolk$1,456
Lynchburg$1,274
Centreville$1,637
Dale City$1,554
Reston$1,612
Harrisonburg$1,280
Ashburn$1,689
Leesburg$1,650
McLean$1,772
Charlottesville$1,339
Tuckahoe$1,503
Blacksburg$1,304
Linton Hall$1,762
Lake Ridge$1,553
Annandale$1,506
Manassas$1,510
Burke$1,711
Danville$1,247
Marumsco$1,421
Mechanicsville$1,524
Oakton$1,634
Fair Oaks$1,576
South Riding$1,821
Springfield$1,528
Petersburg$1,194
West Falls Church$1,565
Sterling$1,564
Short Pump$1,683
Fredericksburg$1,396
Winchester$1,367

Data from S&P Global Intelligence

Who gets the best cheap car insurance in Virginia? 

As the numbers show above, the better the credit score, the more affordable the car insurance. Drivers with the best credit scores typically pay the least for their coverage. 

But, that doesn't mean that there aren't opportunities to save. By shopping around for your coverage, you can easily see which companies offer you the best coverage for your money. Because each insurance company gives different prices for coverage based on various factors, shopping around can help you find the company that will offer you the best coverage for your money.

To start shopping around, get quotes from several different insurance companies and compare them. You'll want to look past the premium and consider things like the coverage types and limits, and look at the deductible, or the amount you'll pay for coverage if you get into an accident.

The best policy is the one that offers you the most types of coverage and the highest limits with the lowest deductible and premium. By shopping around, you can find the best insurance for you, and find the most coverage for your budget. 

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