What’s The Best Car Insurance In Virginia? Top 8 Revealed [2019]

Car Accident and a stop signage at the middle of the picture

Most people don't get too excited about the prospect of buying car insurance. The good news for readers of this best car insurance in Virginia review is that rates in Virginia are lower than the national average. That's thanks to some low statewide labor costs.

Even if you already have car insurance, it's worth shopping around. Those yearly rate hikes can add up, and it's not always worth it to stay with the same provider. Many providers are engaging in “price optimization,” where they calculate the highest rate a customer will bear without leaving.

Avoid the effects of this tactic by knowing your options. Read on to find out more about the best car insurance in Virginia.

FAQs

Do I Need The Best Car Insurance In Virginia?

How Do I Find The Cheapest Car Insurance In Virginia?

How Much Car Insurance Do I Need?

What Affects My Car Insurance Premiums?

Do I Need The Best Car Insurance In Virginia?

State Farm Insurance

state-farm-847x477

Summary

State Farm is one of the best car insurance in Virginia. Customers can call to get a quote or visit one of over 18,000 locations, including in Virginia.

It is a great choice for good drivers with good credit in Virginia. It has the cheapest rates around according to Nerdwallet.com, with rates averaging $77/month. It is also an excellent choice for low-mileage drivers.

People looking for bare bones auto coverage can also look to State Farm. It has the lowest minimum coverage rates around at $33/month.

State Farm is also the best choice on our list for people with an at-fault accident on their records. It had the lowest rates at $92/month.

Coverage

State Farm has basic, collision, and comprehensive coverage. You can get liability insurance, car rental and travel expenses, uninsured/underinsured motor vehicle coverage, emergency road service, and rideshare driver coverage, plus medical payment coverage.

Discounts

State Farm is one of our best car insurance in Virginia because it had great discounts.

It offers accident-free, good student, and defensive driving discounts. There are safe vehicle discounts and discounts for loyal customers with over one insured vehicle or policy through State Farm.

A.M. Best Financial Strength Rating

A++

Where to Buy

geico logo

Image Source: www.geico.com

Summary

Geico primarily sells policies direct to consumers so it can keep prices low. This makes it an easy pick for one of our best car insurance in Virginia. It also has 150 locations nationwide if you prefer meeting with an agent.

Geico offers fantastic rates to people with no accident history. It's a good choice for drivers with poor credit. High-risk drivers will see higher rates with Geico.

Geico is good for consumers because its wide range of discounts means you are likely to qualify for at least one.

Coverage

Geico has many coverage options. Its main ones are:

  • Bodily injury and property liability coverage
  • Collision and comprehensive coverage
  • Uninsured and underinsured liability coverage
  • Medical payment and personal injury protection coverage
  • Gap Insurance for leased vehicles

More Coverage

Mechanical Breakdown Insurance, combined rideshare insurance that covers drivers when they're at work and on personal time, Emergency Road Service, accident forgiveness, glass coverage, and rental reimbursement.

Vehicle Types 

Geico offers motorcycle insurance and ATV insurance, plus customers can combine their homeowners and motor home policies.

Discounts

Geico offers standard and advanced safety feature discounts, multi-policy and vehicle discounts, plus safe driver, good student, paperless and military discounts. These discounts can add up to major savings.
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Cars with driver-side airbags can save up to 25 percent and cars with front airbags can save up to 40 percent. Drivers over the age of 50 who complete a defensive driving course can save up to 10 percent.

A.M. Best Financial Strength Rating

A++

Where to Buy

progressive

Image Source: ptmoney.com

Summary

Progressive is one of our top car insurance in Virginia and has been in business since 1937. Customers can purchase policies online or over the phone. Progressive offers a usage-based device called Snapshot that tracks driving habits and rewards drivers for good driving behavior.

Coverage

Progressive has basic coverage options that are adequate for most drivers in Virginia. It doesn't offer accident forgiveness, personal injury, property protection, or new car replacement coverage.

Some it offers are pet injury protection, gap protection and coverage for custom parts and equipment.

RV Insurance Program 

Progressive has the #1 specialty RV insurance program. RV owners get discounts if they are the original owner of their RV and if they have other policies with Progressive, plus a range of other discounts.

Owners can cover their RV and the personal property inside it.

Progressive also offers emergency expense coverage up to $750 if the RV is disabled over 50 miles away from home.

Whether you have a Class A or Class B trailer, or even a fishing boat, call 1-800-PROGRESSIVE to start your customized quote.

Discounts

We picked Progressive as one of our best car insurance in Virginia because although it doesn't have as many discounts as others, it has ones many people qualify for. There are discounts for paperless billing, signing your policy early, and even discounts for drivers under 18.

A.M. Best Financial Strength Rating

A+

Where to Buy

Nationwide headquarters

Image Source: www.bloomberg.com

Summary

Key Features of this provider include the SmartRide program, which tracks drivers' behavior through a Bluetooth device and rewards them up to 40% for good driving. Enrolling in this program can lead to significant savings.

Nationwide has a mobile app that makes it easy to access your policy documents from anywhere.

Coverage

Nationwide has the usual coverage options plus tow and labor coverage, rental car expense, and gap coverage. Some other options are Accident Forgiveness, Vanishing Deductible, total loss deductible waiver, and roadside assistance.

Discounts

Nationwide offers many discounts. These include multi-policy, Anti-theft, Safe Driver, accident-free, easy pay, defensive driving, and good student discounts. It also extends discounts to members of a wide range of professional, alumni and sports membership organizations in Virginia.

A.M. Best Financial Strength Rating

A+

Where to Buy

USAA

Image Source: www.usaa.com

Summary

USAA is one of the best car insurance in Virginia for its low rates and excellent customer service. Drivers must be affiliated with the military to be eligible.

Coverage

USAA offers full coverage including comprehensive and collision coverage. Virginia drivers need liability coverage for bodily and property damage.

Drivers can get personal injury protection and coverage for uninsured and underinsured motorists, both bodily and property damage coverage. Members can also select extended benefits coverage.

Discounts

USAA's discounts are one reason it is one of the best car insurance in Virginia. Safe drivers see considerable savings. There is also a good student discount, driver training course discount, and discount for older drivers with a clean driving record.

Plus you might be eligible for loyalty discounts and multiple-policy discounts of up to 10 percent. You can also save up to 10 percent if your parents are USAA members.

A.M. Best Financial Strength Rating

A++

Where to Buy

 Amica Mutual Insurance

Summary

Amica is a major insurance carrier that gets top marks for customer satisfaction.

Coverage

Besides the usual coverage options, it has some nice extras. These are depreciation protection if your car is totaled within one year of purchase, free lock replacement, and free airbag repair.

Platinum Choice Auto

Platinum Choice Auto is an Amica program with some great features.

Advantage Rewards is a program where drivers get points for good driving, loyalty, and for referring other drivers. They can use these points to pay down their deductible or towards accident forgiveness.

It also includes identity fraud monitoring, full glass coverage, and prestige rental coverage, which is $5,000 toward the cost of a similar car if yours is in an accident.

Discounts

Amica offers some basic discounts. These are anti-theft device discounts, student discounts, defensive driver discounts, multi-car and line discounts, auto pay, and paid in full discounts. Plus it offers legacy and loyalty discounts for young drivers who were under their family's policy and then purchased their own.

A.M. Best Financial Strength Rating

A+

Where to Buy

Travelers Insurance

Image Source:  www.businesswire.com

Summary

Travelers has been in business since 1853. It has s a lot of coverage options and discounts sure to appeal to drivers in Virginia.

Coverage

Travelers offers less common coverage options like accident forgiveness, new car replacement, gap coverage, roadside assistance, and rental car coverage.

Discounts

Travelers has the most discounts of the insurance providers on our list. It offers discounts for bundled policies, hybrid vehicles, students with good grades or who are away at school, early policy signing, new vehicles, multiple vehicles, and safe driving.

A.M. Best Financial Strength Rating

A++

Where to Buy

Erie Insurance

Image Source: www.nerdwallet.com

Summary

It is important to compare multiple providers to find the best car insurance in Virginia for you. Erie is definitely worth a look.

It's a regional insurance carrier based in Erie, Pennsylvania. Virginia drivers are lucky since it is only available in 12 states plus Washington D.C.

Customers who choose Erie are happy with their choice. It won the top award for Auto Claims Satisfaction in the 2018 J.D. Power Study.

One great feature of this provider is Rate Lock, which locks in your auto rate unless you add vehicles or move. This is great for people who hate seeing their premiums increased.

Accident forgiveness is included after 3 years of safe driving, and you can get pet coverage. Some nice extras are new car protection, better car protection, and rental car coverage that lets you upgrade to an SUV if you choose.

Coverage

Besides auto insurance, Erie also offers renters, condo, and home insurance. It offers a range of other insurance options like umbrella insurance, insurance for classic and recreational vehicles, boat insurance, identity theft insurance, and business insurance.

You can also buy retirement planning products through Erie.

Discounts

Erie offers many discounts including rate lock, multi-policy discounts, accident forgiveness, diminishing deductibles, stored vehicle discounts, safety discounts for anti-theft devices, airbags, and more, full payment discounts, and college student discounts.

A.M. Best Financial Strength Rating

A+

Where to Buy

The Verdict

We hope you have enjoyed this best car insurance in Virginia review. While we want to narrow it down to one, there is not just one provider that will please everyone. The best car insurance in Virginia for you depends on how much coverage you want.

Drivers looking for robust coverage will be thrilled with Erie Insurance. It has high claims satisfaction and excellent coverage. We love that you can lock in your rates.

Drivers who need little more than the minimum will be happy with State Farm. It had the lowest rates for minimum coverage. Drivers with spotty driving history will also find good rates at State Farm.

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