Even car insurance can be “for lovers.” On this page, you’ll find everything you need to know as an insured driver in Virginia—from the cheapest rates by insurance company to the most popular car insurance providers. If you live anywhere from the coast of Virginia Beach to the Blue Mountains of western Virginia, this car insurance information is for you.
What Are You Looking For?
- Virginia’s Cheapest Companies
- How Much Drivers Like You Spend On Auto Insurance
- Specific City Rates
- Most Popular Virginia Car Insurance Companies
- Customer Satisfaction Ratings
- Our Recommendation
Virginia’s Cheapest Companies
To find the cheapest car insurance companies in Virginia, we took information from three driver profiles, six cities, and based their coverage off of having the state minimums. Since Virginia has so many veterans—about 781,000—it makes sense that USAA offers some of the cheapest auto coverage options. Take a look to see where an average driver in Virginia may be able to find the cheapest rates.
|Cheapest Companies in Virginia||Average Annual Rate|
|Virginia Farm Bureau||$2,435.42|
How Much Drivers Like You Spend On Auto Insurance
To help you find more accurate premium predictions, we calculated annual car insurance rates by driver type. Check out the section below if you’re a young, married, or senior driver.
Cheapest For Drivers Under 25
Based on 20-year old single male and female drivers, we found the cheapest average annual car insurance premiums for this young group. USAA is the cheapest yet again, followed closely by Erie. Check it out.
|Average Annual Rate|
|Virginia Farm Bureau||$3,289.26|
Cheapest Rates For Female Drivers Under 25
Women pay about 15% less for car insurance than their male peers. Based on our calculations, you can also find some of Virginia’s cheapest auto coverage rates from the following providers:Cheapest For Male Drivers Under 25
Young male drivers pay about 15% more on car insurance than females their age. Despite this, we’ve done the math to find the cheapest options for your age group in Virginia.
Cheapest For Married Drivers
After taking driver profiles of 45-year old married men and women, we calculated annual car insurance premiums. Here’s where we found the cheapest coverage for your demographic:
|Average Annual Rate|
|Virginia Farm Bureau||$1,083.50|
From the mountains to the beach, you’ll find different auto insurance rates in Virginia. According to our research, the highest are in Norfolk and the lowest can be found in Roanoke. Look at the table below to see what you and your fellow Virginians could pay for car insurance depending on where you live.
|Cost by City||Average Annual Rate|
Most Popular Virginia Car Insurance Companies
Market share shows the percentage of customers an insurance provider has compared to its rivals. State Farm is the auto insurance provider of choice in Virginia—with nearly 20% of all insured drivers on their policies. Travelers has one of the smallest market shares in the state.
The important thing to do with this information is to consider why the most customers are opting for a certain insurer. It could be that they have great coverage, pricing, and customer service. Just think about it as you go down the list of top auto insurance providers in Virginia based on market share.
|Virginia Farm Bureau||2.29|
Customer Satisfaction Ratings
A “complaint index” depicts the percentage of customers who complain compared to the amount an insurance company has. Low numbers indicate less complaints. High numbers mean people are complaining more. Northern Neck Insurance Company has the best complaint index in Virginia which means you can assume they are good at customer satisfaction. Elephant Auto has the worst, but 1.2 isn’t a terrible complaint index to have. If you’re concerned about customer service, look at the chart and choose an auto insurance provider with a low complaint index.
|Complaint Ratio per 1,000,000 in Premiums|
|Premiums Written||# of Complaints|
|Northern Neck Insurance Company||$14,690,278||0||0|
|Virginia Farm Bureau||102,147,111||1||0.01|
|Donegal Insurance Group||20,839,888||6||0.29|
|Agency Insurance Company||25,044,490||15||0.60|
|Elephant Auto Insurance||37,567,019||45||1.20|
This data and research we’ve compiled and calculated for you is here to help you make the smartest insurance choice for yourself. We advise you to go with a company that isn’t just great in one category, but across the board.
Erie, USAA, and Virginia Farm Bureau are all great examples of this. They scored in the top ten for market share, cheap pricing, and customer service.
If you still need some help deciding, let our experts assist you. They know everything there is to know about Virginia car insurance and can answer questions or help you shop for quotes. Call one today to start a quote or find answers.
Where We Found The Facts
All of the facts here are true and so are the numbers. They might not be accurate for your life though. Since we used such a specific set of data to calculate these average premiums, if you don’t match that profile entirely, you’ll most likely get a different rate. These numbers are merely here to give you an idea of what people like you pay for auto insurance in Virginia.
- Virginia Department of Insurance