Car Insurance in Virginia: a Data-Based Guide

Below are recommendations for insurance coverage based on your area’s accident and insurance data. All DecisionData.org recommendations are based on Virginia data and estimates. The best insurance options for you may vary based on your personal driving record and finances.

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Accidents per Person

Virginia

~14 per 1,000 people

USA

~17 per 1,000 people

Should I get cheap car insurance in Virginia?

Maybe. Virginia ranks #37 out of 51 for most accidents per person. This estimate suggests that cheap car insurance may be a good idea based on the far below average rate of accidents. We recommend you consider low-deductible plans and providers known for low premiums. See providers below for more help.

Accidents per Mile

Virginia

~1.5 per million miles

USA

~1.8 per million miles

How much liability coverage should I get?

Probably about the minimum. Virginians drive an average of 9,726 per person in the state, which is above the national average of about 9,490. Whether due to long commutes, weather conditions, or bad roads, Virginians on average get in less accidents per mile driven. Consider your commute, and think about slightly lower liability coverage.

Uninsured drivers

Virginia

10.1% uninsured

USA

12.6% uninsured

Should I get comprehensive or liability-only insurance?

Consider liability-only insurance. Virginia ranks 21st lowest in the nation for uninsured drivers. Because there are fewer uninsured drivers in Virginia, you may want to choose liability-only insurance if your car is paid for and can be replaced without financial strain.

Insurance Cost in Virginia

Based on the data above, we estimate Virginia is 13th out of 51 in affordability. Cheap insurance may be available, even from high-quality providers.

Note on data bars above: The top of each red bar above is the highest value in any state, and the bottom is always 0.

 

Insurance Providers in Virginia

Provider Benefit summary Customer Rating Purchase link
Geico Low pricing, but sub-par service View plans
Nationwide The best coverage and satisfaction most customers can get; higher premiums View plans
State Farm Good customer service and repair handling; moderate premiums View plans
USAA Superior overall service and pricing – but only available to military members and their families View plans
Progressive High settlement values; low premiums; fair customer service View plans
Allstate Good appraisal process and car rental handling; higher-than-average price View plans
esurance No benefit above average – not recommended View plans
Liberty Mutual Slightly above average in all areas, very high premiums View plans

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Additional sources