9 Best Car Insurance in Virginia of 2026

This list is for Virginia drivers comparing insurers on local rates, claims service and coverage options, from Northern Virginia and Richmond to Hampton Roads, Roanoke and the Shenandoah Valley. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Virginia raised its minimum liability limits in 2025 to 50/100/25, with matching uninsured and underinsured motorist limits, and it is an at-fault state. Few insurers publish a personal price, so we quote the Virginia figures Allstate, Progressive, USAA, The Hartford, Liberty Mutual and Root publish and mark the rest as pending. Two of those are market averages, not the insurer's own rates, and we say which. GEICO and Nationwide blocked our page checks and Virginia Farm Bureau's site did not respond, so they are not ranked.

1. 01Top value

   

   Erie Insurance

   8.9/10

   An agent-based insurer whose Virginia auto policy packs in glass, locksmith, belongings and pet cover.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   9.3

   Features (35%)

   8.9

   Ease of use (25%)

   8.2

   Best forVirginia drivers who want a local agent and built-in policy extras

   Erie Insurance is the first quote most Virginia drivers should get. Its Virginia auto page lists extras that other insurers sell separately or skip: comprehensive coverage includes glass repair with the deductible waived, locksmith costs up to $75 when you lock your keys in the car, and physical damage coverage pays up to $350 for clothing, luggage and belongings inside an insured car. If a pet is hurt in a crash, Erie helps with vet costs up to $500 per pet and $1,000 in total. Its main auto page says ERIE Rate Lock is limited to three years in Virginia and that transportation expenses are included in Virginia with comprehensive coverage. Erie sells through more than 14,000 agents, which suits drivers who want one person to call after a claim. The trade-offs are that Erie publishes no Virginia price and that its six rental car classes are not available in the state, so get an agent quote and compare it with State Farm and Allstate.

   • ✓More than 14,000 agents with local offices
   • ✓Several extras built into the policy
   • ✓Transportation expenses included with comprehensive coverage in Virginia

   • ✕No published Virginia price
   • ✕Quotes and service run through agents
   • ✕Erie's six rental car classes are not offered in Virginia

   Agents:

   More than 14,000

   Rate Lock in Virginia:

   Up to three years

   Pet injury cover:

   Up to $500 per pet, $1,000 total

   Locksmith cover:

   Up to $75

   Bottom line: Erie Insurance is the best choice for most Virginia drivers because its policy bundles glass, locksmith, belongings and pet cover with Rate Lock for up to three years. Get its agent quote first, then compare it with State Farm and Allstate.

   Visit erieinsurance.com ↗

2. 02

   

   State Farm

   8.7/10

   A mutual insurer insuring cars since 1922, with over 19,000 agents and app, online and phone claims.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.5

   Features (35%)

   8.8

   Ease of use (25%)

   8.7

   Best forVirginia households with drivers under 25

   State Farm is the strongest second quote for Virginia families, especially those adding a teen or college driver. Its Steer Clear program lets drivers under 25 with no at-fault accidents or moving violations in the past three years save as much as 20%, and Drive Safe & Save rewards safe driving with savings of up to 30%. State Farm has insured cars since 1922, has over 19,000 auto insurance agents nationwide and takes claims online, in its mobile app or by phone. It says it earned USA Today's America's Best Customer Service 2026, and it reports that drivers who switch save an average of $740, with auto and renters bundles saving up to $900. Gaps: it publishes no Virginia price, its savings figures are national averages, and it does not sell gap insurance, which it says usually comes from your auto lender. Ask a local agent for a quote at Virginia's 50/100/25 limits or higher.

   • ✓Named USA Today's America's Best Customer Service 2026
   • ✓Strong discounts for young drivers
   • ✓Policyholders are members of a mutual company

   • ✕No Virginia price published
   • ✕Savings figures are national
   • ✕Does not sell gap insurance

   Insuring cars since:

   1922

   Agents:

   Over 19,000 nationwide

   Steer Clear saving:

   Up to 20%

   Average switching saving:

   $740

   Bottom line: State Farm is the best choice for Virginia families with young drivers because Steer Clear cuts premiums by up to 20% for drivers under 25. Pair the quote with Erie's to see which agent offers more.

   Visit statefarm.com ↗

3. 03

   

   Allstate

   8.5/10

   A national insurer with a Virginia page, online buying and the Drivewise telematics program.

   Price

   $80per month, average liability-only policy bought online for one driver and one vehicle in Virginia

   Virginia customers who bought online paid $80 a month on average for liability-only cover

   “Allstate customers in Virginia who purchased online paid $80/month* – on average – for a liability-only auto insurance policy covering one driver and one vehicle.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.4

   Ease of use (25%)

   8.3

   Best forBudget shoppers buying liability coverage online

   Allstate publishes the lowest Virginia price figure we found. Its Virginia page says customers who bought online paid $80 a month on average for a liability-only policy covering one driver and one vehicle. That is a minimum coverage benchmark, so expect more for collision and comprehensive. Allstate stacks several discounts: Drivewise can save up to 30% for safe driving, home and auto bundles save an average of 20%, and multiple cars save 25%, with extra discounts for anti-theft devices, defensive driving, good students and students away at school. The same page lays out Virginia's 50/100/25 liability limits and matching uninsured motorist limits, which helps when you compare quotes. One caution: Allstate notes that in some states Drivewise data can be used for rating, so risky driving could raise your rate. It is a strong pick for drivers who want a low price and are happy to buy online.

   • ✓Lowest published Virginia figure on this list
   • ✓Several stackable discounts
   • ✓Virginia-specific coverage page

   • ✕The $80 figure covers liability-only policies bought online
   • ✕Drivewise data can raise rates in some states
   • ✕No Virginia full coverage figure published

   VA liability-only average (online):

   $80 a month

   Drivewise saving:

   Up to 30%

   Home and auto bundle:

   20% on average

   Multiple cars:

   Save 25%

   Bottom line: Allstate is the best choice for Virginia drivers on a tight budget because its customers who bought online paid $80 a month on average for liability-only cover. Add collision and comprehensive before comparing it with full coverage quotes.

   Visit allstate.com ↗

4. 04

   

   Progressive

   8.5/10

   A national insurer selling online, by phone and through agents, with Snapshot and the Name Your Price tool.

   Price

   $165.02per month, average liability-only policy for one driver and one vehicle in Virginia's cost group (2025)

   Virginia liability-only policies average $165.02 a month, based on Progressive data

   “The average cost of a six-month liability-only policy from Progressive in a high-cost state like Virginia is $165.02 per month.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   8.6

   Ease of use (25%)

   8.6

   Best forOnline shoppers who want a Virginia benchmark and many discounts

   Progressive is the easiest place to start for Virginia drivers who prefer to quote online. Its Virginia page says the average six-month liability-only policy in a high-cost state like Virginia works out to $165.02 a month, based on 2025 Progressive data for one vehicle and one driver weighted across a group of states. That is a liability-only benchmark, and it sits well above Allstate's $80 figure, so price both. Virginia discounts include multi-policy, distant student, multi-car, teen driver, five-year accident-free, paperless and online quote. Progressive also offers Snapshot, the Name Your Price tool, a Deductible Savings Bank and rideshare coverage, and it says property bundles save an average of 5% on auto in most states. The page explains that Virginia is an at-fault state and lists the 50/100/25 minimums with matching uninsured motorist limits, which makes it a useful reference while you compare. Its switching savings figures are national, not Virginia-specific.

   • ✓Publishes a Virginia cost figure
   • ✓Online quote, app and phone claims
   • ✓Long Virginia discount list

   • ✕Its benchmark is liability-only and higher than Allstate's
   • ✕The figure is a cost-group average, not Virginia alone
   • ✕Switching savings figures are national

   VA liability-only average:

   $165.02 a month

   Bundle saving on auto:

   5% on average in most states

   Average switching saving:

   Over $950 nationwide

   Claims line:

   1-855-347-3939

   Bottom line: Progressive is the best choice for Virginia drivers who want to buy online because it publishes a state benchmark and a long discount list. Use its $165.02 liability-only average to judge minimum coverage quotes.

   Visit progressive.com ↗

5. 05

   

   USAA

   8.5/10

   Auto insurance for military members, veterans and their eligible families.

   Price

   $189per month, average Virginia member premium (2025)

   Virginia members paid $189 a month on average in 2025

   “Virginia members paid $189 per month on average in 2025” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.5

   Ease of use (25%)

   8.2

   Best forMilitary members, veterans and their families in Virginia

   USAA is the obvious quote for the many military households around Norfolk, Virginia Beach, Quantico and Northern Virginia. Its Virginia page says members paid $189 a month on average in 2025, and that average spans every coverage level members chose, so it is not comparable to a liability-only figure. USAA SafePilot gives up to 15% off just for enrolling and up to 30% off at renewal for safe driving, and SafePilot Miles is aimed at members who drive little, such as those living on base or about to deploy. Policies and claims can be managed 24/7 in the USAA Mobile App, and Roadside Assistance is provided through Agero, though towing and labor coverage costs extra. USAA says a survey found members saved an average of $960 a year after switching. The limit is eligibility: membership is open to active duty, National Guard and Reserve members, veterans who served honorably and eligible family members.

   • ✓Publishes a Virginia member average
   • ✓Telematics discounts for enrolling and for safe driving
   • ✓Mileage-based option for deployed or on-base members

   • ✕Only for eligible military members, veterans and families
   • ✕The $189 figure covers all coverage levels, so it is not a minimum price
   • ✕Towing and labor cost extra with Roadside Assistance

   VA member average:

   $189 a month (2025)

   SafePilot enrollment discount:

   Up to 15%

   SafePilot renewal discount:

   Up to 30%

   Average switching saving:

   $960 a year

   Bottom line: USAA is the best choice for Virginia military families because SafePilot offers up to 30% off at renewal and SafePilot Miles suits deployed or on-base members. Anyone eligible should get its quote.

   Visit usaa.com ↗

6. 06

   

   AARP Auto Insurance from The Hartford

   8.3/10

   The AARP Auto Insurance Program, insuring Virginia AARP members since 1984.

   Price

   $107per month, average Virginia customer premium

   Virginia customers pay about $107 a month on average

   “Our customers in Virginia pay an average of $1,278 a year for car insurance, or about $107 a month.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.2

   Ease of use (25%)

   8.0

   Best forAARP members aged 50 and older

   AARP Auto Insurance from The Hartford is the program to quote for Virginia drivers who are AARP members. The Hartford says it has insured Virginia AARP members and their families since 1984, and its Virginia customers pay an average of $1,278 a year, about $107 a month. That is an average across its customers rather than a minimum coverage price, but it sits below USAA's member average and Liberty Mutual's full coverage figure. The program offers discounts reserved for AARP members, Accident Forgiveness, a Disappearing Deductible and the RecoverCare Advantage benefit, whose availability and levels vary by state. Customers who bundle auto and home save an average of $963, though the bundle discount only applies when home, condo or renters cover is in the same AARP program. Rates for members and non-members differ by state and membership tenure, so join AARP before you compare.

   • ✓Publishes a Virginia customer average
   • ✓Insuring Virginia AARP members since 1984
   • ✓Built for drivers over 50

   • ✕Best rates need AARP membership
   • ✕Bundle discount requires home, condo or renters cover in the same program
   • ✕Some benefits vary by state

   VA customer average:

   About $107 a month ($1,278 a year)

   In Virginia since:

   1984

   Average bundle saving:

   $963

   Eligibility:

   AARP members and their families

   Bottom line: AARP Auto Insurance from The Hartford is the best choice for Virginia drivers over 50 because its Virginia customers average about $107 a month and get AARP-only discounts. Join AARP first to see the member rate.

   Visit thehartford.com ↗

7. 07

   

   Liberty Mutual

   8.1/10

   A national insurer selling online and through agents, with the RightTrack telematics program.

   Price

   Customper month

   Virginia full coverage averages about $207 a month (market figure); see vendor pricing for a quote

   “The average cost of “full” coverage car insurance in Virginia is about $207 per month, or $2,484 per year.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   8.3

   Ease of use (25%)

   8.3

   Best forDrivers who want to buy a policy online

   Liberty Mutual suits Virginia drivers who want to finish the purchase online. Its Virginia page lists an Online Purchase Discount, bundle discounts and RightTrack, which rewards good driving with savings of up to 30%, and it says drivers who switch could save over $700. The page puts the average cost of full coverage in Virginia at about $207 a month, or $2,484 a year, as of November 2026. That is a statewide market average, not Liberty Mutual's own rate, so it works as a yardstick for full coverage quotes rather than a price. The page also notes that Virginia's minimum limits increased in 2025 and that the state's contributory negligence rule leads many drivers to buy more than the minimum, though its limits table still shows the older figures. Claims run through 800-2CLAIMS or online, and roadside help is available 24/7. Expect its quote to be compared mainly on discounts.

   • ✓Clear Virginia full coverage benchmark
   • ✓Discount for buying online
   • ✓Local agents and online purchase both available

   • ✕The $207 figure is a market average, not Liberty Mutual's own rate
   • ✕Its minimum limits table still shows the pre-2025 figures
   • ✕Switching savings figures are national

   VA full coverage average (market):

   About $207 a month

   RightTrack saving:

   Up to 30%

   Switching saving:

   Over $700

   Claims line:

   800-2CLAIMS

   Bottom line: Liberty Mutual is the best choice for Virginia drivers who want to buy online because it offers an Online Purchase Discount and RightTrack savings of up to 30%. Use its $207 a month full coverage average as a yardstick.

   Visit libertymutual.com ↗

8. 08

   

   Travelers

   8.0/10

   A national insurer offering loan or lease gap coverage, the MyTravelers app and 24/7 claim reporting.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.8

   Features (35%)

   8.2

   Ease of use (25%)

   7.9

   Best forDrivers with a financed or leased car

   Travelers is worth a quote for Virginia drivers who finance or lease their car. Its car insurance page offers loan or lease gap coverage, which helps cover what you still owe if a financed or leased car is a total loss, something State Farm does not sell. Rental coverage and extended transportation expenses coverage help with a rental car or public transportation after a covered accident. Discounts include a safe driver discount for households without an accident, violation or major comprehensive claim in three to five years, a good student discount for a B average or better, and multi-policy savings across car, home and boat. Claims can be reported 24/7, and the MyTravelers app and website handle ID cards, vehicle changes, claims and roadside tracking. Travelers does not publish a Virginia price, so you will need a personal quote to compare.

   • ✓Gap coverage available on the auto policy
   • ✓Bundles across car, home and boat
   • ✓App handles ID cards, vehicle changes and claims

   • ✕No Virginia page or price published
   • ✕Some discounts depend on state availability
   • ✕Fewer published discount figures than rivals

   Gap coverage:

   Loan or lease gap available

   Safe driver discount:

   No accidents or violations in 3 to 5 years

   Claims:

   24/7 reporting

   App:

   MyTravelers

   Bottom line: Travelers is the best choice for Virginia drivers with a financed or leased car because it sells loan or lease gap coverage on the auto policy. Get a personal quote to compare its price.

   Visit travelers.com ↗

9. 09

   

   Root

   7.9/10

   An app-first insurer that prices car insurance on how you drive.

   Price

   Customper month

   Virginia full coverage averages $1,835 a year (market figure); see vendor pricing for a quote

   “The average Virginia driver pays $1,835 per year for full coverage car insurance” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   7.4

   Ease of use (25%)

   8.4

   Best forApp-first drivers with a clean driving record

   Root is the pick for Virginia drivers who want to do everything on a phone. Its Virginia page says you can view insurance cards, change coverage and file a claim in as little as 3 minutes in the Root app, and it offers liability, collision, comprehensive and uninsured motorist coverage, with optional rental coverage and roadside assistance for towing, jump-starts and tire changes. Root says drivers who switch can save up to $1,300 a year. The page puts the average Virginia full coverage premium at $1,835 a year, which is a market figure rather than Root's own rate, so treat it as a yardstick. It also lists the current 50/100/25 minimums and notes that uninsured motorist limits must be at least the state minimum and cannot exceed your liability limits. Its policy extras are thinner than Erie's or Travelers', so it suits careful drivers who want a simple app more than households wanting add-ons.

   • ✓Fast app-based claims
   • ✓Virginia page explains 50/100/25 minimums
   • ✓Coverage can be changed in the app at any time

   • ✕The $1,835 figure is a market average, not Root's own rate
   • ✕No Virginia price of its own published
   • ✕Fewer policy extras than Erie or Travelers

   VA full coverage average (market):

   $1,835 a year

   App claims:

   As little as 3 minutes

   Switching saving:

   Up to $1,300 a year

   Headquarters:

   Columbus, Ohio

   Bottom line: Root is the best choice for app-first Virginia drivers because claims can be filed in as little as 3 minutes in its app. Compare it with Progressive and Allstate if price is the main goal.

   Visit joinroot.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.