The Best Cheap Car Insurance In Virginia – Fortunately, car insurance in Virginia is not as expensive as auto insurance in many other states. However, this does not mean that you have to go with any provider. In this article, we at the Home Media review team will cover the cheapest car insurance companies in Virginia and how to get coverage.
5 Best car insurance in Virginia
Our team looks beyond cost to evaluate factors including coverage options, customer experience, reputation and claims service. Here’s how we ranked the top five car insurance companies in Virginia.
USAA offers the lowest prices for many types of drivers, according to our research, and offers a wide range of coverage options. You qualify if you are a member of the military, a veteran, or a close family member.
USAA offers standard coverage, plus extras like classic car insurance in Virginia, accident forgiveness, car replacement assistance, and trip share insurance. An enterprise use-based program, SafePilot™, is also available in Virginia.
Our research shows that Erie Insurance also offers affordable coverage in Virginia. Erie offers a variety of additional coverages, including:
- New car replacement
- Car rental coverage
- Roadside assistance
- Erie®. speed lock
- Tolerance for the accident
One thing Erie misses compared to the major insurers is usage-based options. So if you rely on such software to save money, you should look elsewhere.
Overall, Erie has a solid customer service rating. The company is rated A+ by BBB. It was also ranked second in the J.D. Power Study of Automotive Insurance for the Mid-Atlantic Region.
Geico Insurance offers several types of coverage, including:
- Mechanical damage insurance
- Classic car cover
- Rent payment
- Roadside assistance
- Travel insurance
Geico also offers a usage-based program, DriveEasy, that you can get car insurance in Virginia.
Geico has a BBB rating of A+ and a financial rating of A++ from AM Best. However, the company has an average rating in the JD study. Power Auto Insurance, J.D. Power Insurance and J.D. Shopping Study Power Auto Claims Satisfaction Study. Our team contacted Geico for comment on this finding and received no response.
According to our cost estimates, Progressive is the third cheapest car insurance in Virginia. It is also an affordable option for drivers with bad credit. If you are shopping from a progressive website, you can use the price comparison tool to compare multiple service providers at once.
While shopping, you can use the Name Your Price® tool to find out which package fits your ideal budget. As far as coverage options go, Progressive Insurance offers all the standard options, plus extras including trip insurance, gap insurance, roadside assistance, custom parts value, and rent reimbursement. Usage-based Snapshot® software from Progressive is also available in Virginia.
Our cost estimates show that State Farm is an affordable car insurance in Virginia, especially for drivers with a history of speeding or an accident. State Farm can also be very affordable for students since it has the best student discounts in the industry. With the discount, students under the age of 25 can save up to 25% on their policy.
Additional State Farm coverage options include:
- Trip sharing coverage
- Roadside assistance
- Covering car rental and travel expenses
- Classic car insurance
- Usage-Based Insurance Drive Safe & Save ™
State Farm is the largest car insurance company in the country. According to NAIC, State Farm wrote more than $40 billion in premiums in 2020. State Farm is not rated by the BBB, but has an A++ Financial Strength Rating from AM Best.
How to get car insurance
As a driver in Virginia, you can take advantage of some of the most affordable car insurance rates in the state. We recommend USAA as the cheapest provider in the state with quality coverage options.
Compare insurance providers to find the best car insurance coverage for you. You can browse and compare car insurance in Virginia quotes when your policy is ready for renewal to ensure you get the best rate.
Virginia car insurance requirements
Each state sets its own financial liability laws that define car insurance requirements. According to the Virginia DMV, drivers in the state are required to have vehicle liability insurance with the following minimum coverage limits:
- $25,000 bodily injury liability for each person
- Liability for bodily injury $50,000 per accident
- $20,000 for property damage liability for each accident
Know that the minimum government liability coverage is only paid to the other party in the accident you caused. You can add comprehensive and collision coverage to pay for damages to your vehicle. Uninsured/Uninsured Passenger Coverage helps if someone without insurance causes an accident, and MedPay can cover your hospital bills.
If you don’t drive, you can pay an uninsured fee of $500, which allows you to keep the car uninsured for up to one year before the fee renews. However, this is not insurance. If you are caught driving without insurance, your registration will be suspended and you will have to pay to get it back. You will also have to apply for an SR-22, which will make car insurance in Virginia more expensive over the next few years.