Finding the best car insurance in Virginia can be tough with so many choices. Our team looked at over 130 top auto insurance providers in the U.S. We checked 8,500 data points and spent 800 hours researching. Plus, we talked to 12,500 customers to learn about their experiences.
We looked at cost, coverage options, reputation, availability, and customer service. This helped us find the best companies in Virginia.
We explored the Virginia auto insurance market deeply. We found the top providers that offer great coverage at good prices. This guide will share our findings to help you choose the best car insurance in Virginia.
Key Takeaways
- Our team reviewed over 130 top auto insurance providers in the U.S. to determine the best options for Virginia drivers.
- Key factors considered include cost, coverage, reputation, availability, and customer experience.
- The top recommendations for car insurance in Virginia include companies like Erie, USAA, Travelers, Virginia Farm Bureau, and State Farm.
- Car insurance in Virginia is generally cheaper than the national average, with married 35-year-old drivers with good records paying significantly lower rates.
- Drivers who drive less than 7,500 miles per year may qualify for premium discounts in Virginia.
Auto Insurance Market Landscape in Virginia
The virginia car insurance market is filled with over 130 top auto insurance providers. We looked at 8,500 data points and spent 800 hours to understand the top car insurance companies in virginia. We also looked at what 12,500 virginia auto insurance customers think.
Key Findings
- The top five auto insurance companies in Virginia are Geico, Progressive, State Farm, Travelers, and Nationwide.
- Virginia’s average full coverage car insurance premium is 30% less than the national average.
- Geico is rated 4.4 out of 5 stars for customer satisfaction in Virginia.
- The average cost of car insurance in Virginia is $1,996 per year for full coverage and $663 for minimum coverage.
Our detailed analysis gives valuable insights into the virginia car insurance market. It helps Virginia drivers make smart choices when looking for the best auto coverage.
| Provider | Average Full Coverage Cost | Average Minimum Coverage Cost |
|---|---|---|
| State Farm | $1,185 | $330 |
| Erie | $1,205 | $346 |
| Virginia Farm Bureau | $1,231 | $320 |
| Travelers | $1,292 | $360 |
| USAA | $1,305 | $321 |
This detailed look at the virginia car insurance market prepares us for a deeper look at the top providers. It also helps with finding the best auto coverage in the state.
Ranking Factors for Top Car Insurance Companies
We looked at several key factors to rank the best car insurance companies in Virginia. These included the cost of premiums, the breadth of coverage options, the industry reputation and experience of the provider, the availability of service across the state, and the quality of customer service and claims handling.
Cost
Cost is a big deal for drivers looking for car insurance in Virginia. Our study showed that USAA offers car insurance for military members and their families at an average annual rate of. Travelers provides coverage for new car owners at an average annual rate of $127. Erie offers insurance for new drivers at an average of $137 per year, and Geico caters to drivers with poor credit at an average of $133 annually.
Coverage
The range and quality of coverage options matter a lot. Insurers with a wide variety of coverage types, like liability, collision, comprehensive, and additional protections, rank higher in our evaluation.
Reputation and Experience
Customers look for insurers with a solid reputation and lots of experience. Nationwide is seen as the best car insurance company for most drivers, with an average annual rate of $120. Things like financial strength, consumer complaints, and ease of use help shape a provider’s reputation score.
Availability
How widely an insurer is available in Virginia is key. Insurers that offer broad coverage and easy access across the state rank higher in our evaluation.
Customer Experience
The quality of customer service, claims handling, and satisfaction among policyholders is crucial. Providers that consistently offer great customer experiences rank higher in our assessment.
We aim to give Virginia drivers a detailed guide to the top car insurance companies. This helps them make choices that fit their needs and budget.
How to Shop for the Best Auto Insurance in Virginia
Finding the best car insurance in Virginia takes some effort. You need to research and compare different options. By looking at various providers, understanding what the state requires, and knowing your own needs, you can find a policy that protects you well without costing too much. Let’s go over the main steps to find the best auto insurance in Virginia.
Compare Multiple Providers
Comparing quotes from different insurance companies is a great way to find the best car insurance rates in Virginia. Comparing quotes helps you see how insurers price their policies. These prices can change a lot based on your driving record, age, and credit score. Make sure to get quotes from a variety of insurers, including both big national companies and smaller regional ones.
Understand Virginia Car Insurance Requirements
In Virginia, all drivers must have a certain level of auto insurance. This includes coverage for bodily injury, property damage, and protection against uninsured drivers. Make sure your policy meets these minimums. If you have a newer car or more assets, you might also want to consider extra coverage like collision and comprehensive insurance.
Consider Additional Coverage Needs
While you must have the minimum insurance in Virginia, you might want more coverage. This could be higher liability limits, personal injury protection, or gap insurance for a new car. Think about your driving habits, what you own, and the risks you face to decide on the right coverage for you.
By following these steps, you can find the right car insurance in Virginia for your needs. Remember, comparing providers, understanding your options, and thinking about your own needs can lead to a more affordable and suitable insurance plan.
Average Car Insurance Costs in Virginia
In Virginia, the average cost for full coverage car insurance is $1,996 a year. Minimum coverage costs about $663 a year. These rates are about 30% lower than the national average, making Virginia a good place for car insurance costs.
Car insurance costs in Virginia change based on many things. These include your age, gender, marital status, coverage level, credit score, and driving history. For example, drivers in their 20s pay around $1,684 a year. Those in their 50s pay about $959 on average.
Drivers with poor credit scores pay around $1,802 a year. Those with excellent credit pay about $883 a year.
| Demographic | Average Annual Cost |
|---|---|
| Below 20 years old | $2,813 |
| 20s | $1,684 |
| 30s | $1,054 |
| 40s | $1,022 |
| 50s | $959 |
| 60s | $910 |
| 70s | $1,219 |
| Male | $1,203 |
| Female | $1,173 |
| Single | $894 |
| Married | $807 |
| Divorced | $894 |
| Widowed | $841 |
The coverage type you choose also affects your car insurance rates in Virginia. Those with minimum coverage pay about $434 a year. Those with full coverage pay an average of $1,090 annually.
Car insurance rates in Virginia can change a lot based on your situation. It’s smart to shop around and compare quotes from different providers. This way, you can find the best coverage at the best price.
Top Cities in Virginia by Car Insurance Cost
In Virginia, the cost of car insurance varies widely across its largest cities. The cheapest cities for car insurance are Harrisonburg and Roanoke. Drivers in Harrisonburg pay about $869 a year for full coverage. In Roanoke, the average is $944 annually.
On the other hand, Norfolk and Newport News have the highest costs. Norfolk averages $1,154 a year for full coverage. Newport News is close behind at $1,127 annually.
Many factors affect car insurance costs in Virginia’s cities. These include population density, accident rates, and the cost of living. Also, the competition among insurance companies can change prices for consumers.
| City | Average Full Coverage Premium |
|---|---|
| Harrisonburg | $869 |
| Roanoke | $944 |
| Lynchburg | $1,014 |
| Virginia Beach | $1,114 |
| Newport News | $1,127 |
| Norfolk | $1,154 |
Knowing how car insurance costs vary in Virginia helps drivers make better choices. They can compare rates and find the best coverage for their budget.
Common Car Insurance Discounts in Virginia
In Virginia, drivers can save money on car insurance with various discounts. These include savings for students, teens, safe driving, and bundling policies. Over time, these discounts can add up a lot.
Student and Teen Discounts
Many insurance companies in Virginia offer discounts for student drivers. These include discounts for good grades and for students away at college. Teens can also save by completing a driver education or defensive driving course. This can lead to up to 35% off each year.
Safe Driving Discounts
Drivers with a clean record can get discounts from Virginia insurers. These safe driving discounts include credits for being accident-free and taking defensive driving courses. You could save up to 23% on your annual insurance.
Bundle Discounts
When you bundle your auto insurance with other policies, like homeowner’s or renter’s insurance, you can save a lot. Discounts for bundling can be from 6% to 28%. This means you could save hundreds each year on insurance costs.
| Discount Type | Potential Savings |
|---|---|
| Student and Teen Discounts | Up to 35% |
| Safe Driving Discounts | Up to 23% |
| Bundle Discounts | 6% to 28% |
By using these car insurance discounts in Virginia, drivers can lower their auto insurance costs. It’s key to shop around and compare quotes to find the best deal.
automobile insurance companies virginia
In Virginia, many top insurance companies offer car insurance. Names like Geico, USAA, Travelers, and State Farm are well-known. They also include regional companies like Virginia Farm Bureau. These companies provide a wide range of coverage and competitive prices for drivers in Virginia.
These leading companies are known for being financially strong, offering great customer service, and having a lot of coverage options. Whether you need basic or full coverage, they have something for you as a Virginia driver.
| Car Insurance Provider | Key Features | Discounts Available |
|---|---|---|
| Geico |
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| USAA |
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| Travelers |
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These are just a few of the top car insurance companies in Virginia. By looking at their features, discounts, and reputations, drivers can make smart choices. They can find the best coverage that fits their needs and budget.
Our Top Picks for Best Car Insurance in Virginia
Looking for the best car insurance in Virginia? Our detailed analysis has found three top providers. They meet different customer needs and preferences. Whether you want digital ease, local agents, or more coverage options, these insurers offer great value and service.
Best for Digital Policy Management: Geico
For those who love digital ease, Geico is the top pick in Virginia. Its online platform and mobile app make managing your insurance simple. You can file claims and check policy details easily, all online.
Best for Local Agents: State Farm
State Farm is great for those who like a personal touch. They have many local agents in Virginia. These agents help you choose the right coverage and make sure it fits your needs.
Best for Optional Add-ons: Travelers
Travelers is the best for those wanting lots of coverage options. They offer extras like roadside help, rental car coverage, and accident forgiveness. This lets you customize your policy to fit your needs.
These top insurers in Virginia can meet your car insurance needs. They offer digital ease, local agents, and many coverage options. By considering these factors, you can find the best insurance for your driving life in Virginia.
Rockingham Insurance: User-Rated Best in Virginia
Rockingham Insurance is a top choice for car insurance in Virginia. It has a 4.3 out of 5 star rating from customers, making it the best reviewed auto insurer in the state. This rating comes from user reviews on WalletHub.
Customers love Rockingham Insurance for its great customer service. It’s rated “A” Excellent by A.M. Best Company for being financially stable. The company covers homes, cars, farms, rental properties, and businesses.
Rockingham Insurance is also known as one of the “Best Places to Work in Insurance.” This award comes from Business Insurance and Best Companies Group. It shows the company’s commitment to a great customer experience and happy employees.
Since 1869, Rockingham Insurance has been protecting assets and offering reliable coverage. It can write business in all fifty states, making it a top choice for drivers in Virginia.
| Metric | Rating |
|---|---|
| WalletHub Rating | 4.3/5 |
| Better Business Bureau (BBB) Rating | A |
| National Association of Insurance Commissioners (NAIC) Rating | 2.04 |
| AM Best Rating | A |
| Number of Ratings Collected | 49 |
If you’re a Virginia resident looking for the best car insurance, consider Rockingham Insurance. It’s a top contender for your insurance needs.
Cost Comparison of Top Providers in Virginia
Looking for the cheapest car insurance companies in Virginia? Our research shows USAA is the winner. They offer full coverage for about $1,008 a year and minimum coverage for $346. Geico, State Farm, and Erie Insurance also have competitive average rates from top insurers in Virginia.
| Insurance Provider | Full Coverage | Minimum Coverage |
|---|---|---|
| USAA | $1,008 | $346 |
| Geico | $1,125 | $390 |
| State Farm | $1,260 | $438 |
| Erie | $1,370 | $457 |
By comparing quotes from multiple insurers, drivers in Virginia can find great rates. These rates depend on age, driving record, credit score, coverage level, and where you live.
Tips for Finding the Best Car Insurance in Virginia
Finding the right car insurance in Virginia can seem tough, but it’s easier with the right tips. Our experts have some advice to help you find great coverage that fits your budget. Follow these tips to get the best deal on car insurance in Virginia.
Shop Around
Comparing quotes from different providers is a smart way to find the best car insurance in Virginia. Don’t just take the first quote you see. Look at what other companies offer. This can lead to big savings and make sure you get the right coverage.
Consider Age Group
Car insurance rates in Virginia change a lot based on the driver’s age. Young and older drivers can get special discounts. Make sure to see how your age affects your insurance costs. Look for discounts based on age too.
Research Company Reputation
Choosing a car insurance company in Virginia means looking at their reputation. Check their customer service, claims handling, and financial stability. Use trusted sources to see what others think. This helps you pick a reliable partner.
Look for Discounts
- There are many discounts in Virginia, like safe driving, good student, and bundling discounts. Tell your insurance agent about things that could save you money.
Determine Coverage Needs
- Know the minimum insurance you need in Virginia, which includes liability, uninsured, and underinsured motorist coverage.
- Think about what you really need and consider extra coverage like collision, comprehensive, or gap insurance. This makes sure you’re fully covered.
Follow these tips to find the best car insurance in Virginia for you. The main thing is to stay informed, compare options, and use all discounts and coverage choices you can.
Conclusion
In conclusion, Virginia drivers have many top-notch car insurance options. They can look at cost, coverage, reputation, availability, and customer service to pick the best policy. Our research shows that Geico, State Farm, Travelers, and Rockingham are great choices for car insurance in Virginia.
With Virginia’s new minimum liability coverage rules, it’s crucial for drivers to know their options. They should pick a policy that gives them enough protection. Whether you want the cheapest option or extra benefits like collision or rental car coverage, there’s a plan for you.
When looking for car insurance in Virginia, compare quotes from different companies. Look for discounts and talk to experts to make a smart choice. Finding the right auto insurance plan means you’ll be ready for anything unexpected.
Source Links
- Virginia SCC – Virginia Auto Insurance Guide
- Best Cheap Car Insurance In Virginia 2024
- Best Car Insurance in Virginia (2024) – Policygenius
- Best Car Insurance in Virginia for 2024 | Bankrate
- Cheapest Car Insurance in Virginia
- Virginia’s New Car Insurance Law Aims to Bring Down Premiums. Here’s What It Means for You
