Virginia's Local Auto Insurance Comparison
Compare rates from top carriers. Find the cheapest coverage for Virginia drivers in under 2 minutes. No spam calls.
Compare trusted carriers side-by-side
Based on a 35-year-old driver with a clean record driving a 2022 sedan. See our rate methodology.
How 804Insurance Works
The fastest way to compare Virginia auto insurance rates.
Enter Your ZIP
Start by providing your Virginia ZIP code. Rates vary significantly by city and county — we factor in your local market.
Answer Questions
Tell us about your vehicle and driving history in our secure, 2-minute form. No spam calls — we hate those too.
Compare Rates
Review personalized quotes from top carriers side-by-side and choose the best one. Average savings: $847/year.
Top Rated Carriers in Virginia
Based on thousands of quotes generated for Virginia drivers. Rates last updated: May 2026.
Progressive
Geico
State Farm
Know Your Virginia Minimums
Virginia law requires all drivers to carry minimum liability insurance. As of Jan 1, 2025, the new limits are:
- Bodily Injury: $30,000 / $60,000 Per person / Per accident
- Property Damage: $20,000 Per accident
- Uninsured Motorist: Required Same limits as liability (UM/UIM)
Why choose 804Insurance?
- 100% Free to use, no hidden fees
- Compare unbiased rates side-by-side
- Your data is encrypted and secure
- Local Virginia focus for accurate rates
- 24,873+ quotes served to VA drivers
Frequently Asked Questions
Everything you need to know about Virginia auto insurance.
How much is auto insurance in Virginia?
The average cost of auto insurance in Virginia is about $104/month for minimum liability coverage — around $1,248/year. Full coverage averages $105–$125/month. Rates vary significantly by city: Arlington ($125/month) and Richmond ($112/month) tend to be higher than Virginia Beach ($105/month).
Can I drive without insurance in Virginia?
No. As of July 1, 2024, the option to pay a $500 Uninsured Motorist Fee has been repealed. All Virginia drivers must carry minimum liability insurance — $30,000/$60,000 bodily injury and $20,000 property damage, plus matching UM/UIM coverage (effective Jan 1, 2025).
What factors affect my Virginia car insurance rate?
Carriers look at your ZIP code, age, driving record, vehicle type, credit score, and marital status. Location alone can create a 30% rate difference across Virginia. Shopping around with 804Insurance is the best way to find which carrier weights these factors most favorably for you.
How does 804Insurance make money?
Our service is completely free for you. We earn a referral fee when we successfully match you with an insurance partner who can provide a quote. This does not affect the premium you pay or our ability to show you unbiased rate comparisons.
What is full coverage insurance?
"Full coverage" generally refers to a policy that includes state-mandated liability coverage, plus collision (damage to your car from an accident) and comprehensive (damage from non-collisions like weather, theft, or hitting an animal). Virginia only requires liability and UM/UIM — full coverage is optional unless your lender requires it.
Do I need uninsured motorist coverage in VA?
Yes, Virginia law requires uninsured/underinsured motorist (UM/UIM) coverage at the same limits as your bodily injury and property damage liability minimums — $30,000/$60,000. With approximately 11% of Virginia drivers uninsured (Insurance Research Council 2023), this is critical protection.
How can I lower my insurance premium?
The fastest way is to compare quotes from multiple carriers — Virginia drivers save an average of $487/year by shopping annually. You can also raise your deductible, bundle home and auto, enroll in telematics programs like Snapshot® or DriveEasy®, and maintain a clean driving record.
Is my personal information secure?
Yes. 804Insurance uses industry-standard encryption to protect your data. We only share the information required to generate your quotes with our trusted network of insurance partners. We never sell your data to non-insurance third parties.