Cheapest Car Insurance [Online Quotes]
  • Call Us! (844) 588-1742
  • Navigate
    • About Us
    • Learning Center
    • Careers
    • Contact Us
Select Page
Compare Cheap Car Insurance Quotes Now  

Cheapest Car Insurance Rates for March 2021

}

Get a Quick Quote

d

Compare Rates



Enjoy Savings

Cheap Auto Insurance in Virginia: Best Companies & Quotes

Joanna Johnson

Car Insurance Expert
Updated: 11/2020

Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.

Navigate

  • Best Car Insurance Companies in Virginia
  • Auto Insurance Statistics in Virginia
    • Top 10 Cheapest Car Insurance Companies in Virginia
    • Drunk Driving Fatalities
    • Drunk driving fatalities in Virginia from 2013 to 2017
    • Teen Drinking and Driving
    • Teen Drinking & Driving in Virginia vs. Nationwide (2017)
    • SR-22 Insurance in Virginia
    • Car Theft in Virginia
    • Vehicle thefts by rank nationwide vs. Virginia
    • Uninsured Motorists in Virginia
    • Percentage of uninsured drivers (Top States in 2015)
  • Types of Auto Insurance Coverage in Virginia:
  • Minimum Auto Insurance Requirements in Virginia
  • The liability minimums in Virginia are as follows:
  • FAQ
    • General Virginia Car Insurance Questions
        • How to get car insurance in Virginia?
        • Which companies sell auto insurance in Virginia?
        • What is considered full coverage Virginia auto insurance?
        • How to show proof you can pay for car insurance in Virginia?
        • What do you need to get Virginia car insurance?
    • Virginia Car Insurance Laws
        • What are the minimum auto insurance requirements in Virginia?
        • What insurance is required by law for a financed car in Virginia?
        • What happens if I don't add my child to my auto insurance in Virginia?
        • How long do you have to get insurance after buying a used car in Virginia?
        • What happen in Virginia if I lose my car insurance?
        • Who is required to have commercial auto insurance in Virginia?
        • Does someone who has a driver’s license but doesn't drive have to have car insurance Virginia?
        • How long after DUI do you need car insurance to drive in Virginia?
        • What happens if you get pulled over and don't have auto insurance in Virginia?
        • What is the fee in Virginia if you don’t have car insurance?
        • When did car insurance become mandatory in Virginia?
        • What happens if you let car insurance lapse Virginia?
        • In Virginia, for a car paid in full, what type insurance must be on vehicle?
        • In the state of Virginia when do you have to put a child on your car insurance?
        • Does Virginia require you to report to the DMV when you cancel auto insurance?
    • Virginia Car Insurance Prices
        • How much is car insurance in Virginia?
        • Who has the cheapest auto insurance in Virginia?
        • Where to get auto insurance in Virginia when one spouse has suspended license?
        • Where to find best car insurance for seniors in Virginia?
        • How much is car insurance a month in Virginia?
        • When does car insurance go down Virginia?
        • How much can car insurance cost for a teacher in Virginia?
        • Where can I get a classic car insurance quote in Virginia?
        • What is the most affordable car insurance for young drivers in Virginia?
        • How much does car insurance go up after an at fault accident with ticket in Virginia?
        • What auto insurance discounts are available for Virginia drivers?
        • How long can my child stay on my car insurance in Virginia?
        • How long before car insurance goes down after DUI in Virginia?
        • What is the best car insurance in Virginia?
        • Who has the cheapest car insurance Virginia?
    • Virginia Car Insurance Coverage and Claims
        • In Virginia, if another car runs into my car what is the insurance process?
        • How long do I have to file a car accident insurance injury claim in Virginia?
        • What happens if you have a car accident without insurance in Virginia?
        • In Virginia, whose insurance pays medical bills in a car accident?
        • In Virginia, your insurance company is legally liable to pay up to how much of the other person's car?
        • How long do you have to report a car accident to your insurance Virginia?
        • Do you transfer title first or cancel insurance when you sell a car in Virginia?
        • How to get car insurance on rebuilt tiles in Virginia?
    • Other Virginia Car Insurance Questions
        • How to get a car totaled by insurance company in Virginia legally driveable again?
        • How to cancel auto insurance in Virginia?
        • How late can you pay auto insurance in Virginia?
        • Who governs auto insurance rates in Virginia?
        • Top Cities in Virginia
  • How Helpful was this Article?
  • Please Rate this Article
    • Select Your State

Best Car Insurance Companies in Virginia

  • Virginia Farm Bureau
  • Erie
  • Geico
  • State Farm
  • Travelers
  • Nationwide
Virginia Farm Bureau Erie Geico State Farm Travelers Nationwide
AM Best Financial Strength Rating A- A+ A++ A++ A+ A+
JD Power 2019 Overall Customer Satisfaction score Not Rated 5/5 3/5 5/5 4.5/5 3/5
Avg Annual Premium $351 $403 $438 $609 $1,008 $815
Consumer Reports Reader Score N/A 86 78 78 N/A 75
BBB Rating A+ A+ A+ A A+ A+

Auto Insurance Statistics in Virginia

Auto insurance rates in Virginia appear to be much lower than the national averages. In fact, over the past few years, the rates have been increasing which does not bode well for drivers in Virginia looking for affordable car insurance. 

Top 10 Cheapest Car Insurance Companies in Virginia

Rank Company Name Avg. Annual Premium
1 Travelers $666
2 The Hartford $793
3 Penn National $867
4 Erie $953
5 Utica National $966
6 Virginia Farm Bureau $1,069
7 Progressive $1,081
8 USAA $1,128
9 State Farm $1,149
10 GEICO $1,256

Drunk Driving Fatalities

Drinking and driving is a deadly combination and fatalities are usually the result of this dangerous practice. When it comes to drunk driving fatalities in Virginia, the rates appear to be fluctuating.

The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Virginia vs. nationwide.

 

Drunk driving fatalities in Virginia from 2013 to 2017

Cheapest Auto Insurance in Virginia

Source: The National Highway Traffic Safety Administration

Teen Drinking and Driving

Teen drinking and driving in Virginia is at a rate that is almost the same as the national average. The data below demonstrates the level of drinking and driving taking place in Virginia when compared to other states around the country.

 

Teen Drinking & Driving in Virginia vs. Nationwide (2017)

Cheapest Auto Insurance in Virginia

Source: Center For Disease Control

SR-22 Insurance in Virginia

Virginia is one of the many states that requires certain drivers to purchase SR-22 insurance to reinstate their licenses. There are a variety of reasons you may need to purchase an SR-22 insurance policy, including falsifying insurance, unsatisfied judgments, and other offences. If you have a more serious offence, you might not be eligible for an SR-22 — you will have to purchase additional coverage called an FR-44 policy.

For those who only need an SR-22 policy, Virginia has very specific requirements for how much coverage you need. First, you will need property damage coverage of $20,000. For single person injury or death coverage, you will need $25,000. You will also need $50,000 worth of coverage for multiple injuries or death.

Car Theft in Virginia

Car theft in Virginia takes place at a much lower rate than in other states across the country. It is beneficial to become aware of the level of car theft in the State you will be driving in. This lends clarity when making the decision about what type of car insurance to purchase. Understanding the rate of car thefts in Virginia will help drivers to have a more complete understanding of the level of risk they take while driving and owning a car in the state.

 

Vehicle thefts by rank nationwide vs. Virginia

Cheapest Auto Insurance in Virginia

Source: www.FBI.gov

Uninsured Motorists in Virginia

Without car insurance, drivers in Virginia will have to pay out of pocket expenses. In order to avoid this, it is recommended to carry uninsured and underinsured motorist coverage. The statistics outlined below show how well Virginia ranks in the total number of reported uninsured motorists in the state in the year 2015.

 

Percentage of uninsured drivers (Top States in 2015)

Cheapest Auto Insurance in Virginia

Source: Insurance Information Institute

Cheapest Auto Insurance in Virginia

Several companies in Virginia offer car insurance services. These companies include GEICO General, VA Farm Bureau Mutual, Progressive Advanced Insurance, and Nationwide Mutual Insurance. The three lowest insurers in the state are USAA subsidiaries. They include USAA, USAA Casualty, and USAA General Indemnity. These insurers offer rates of $1,150, $1,161, and $1,600 respectively. The next two companies on the list are Garrison Property & Casualty Insurance Company and Travelers Home and Marine. The reason why USAA and Traveler’s Home & Marine Company offer low rates is that they are specialty auto-insurers and cater for members and direct relatives of members of the military forces.

It would be prudent if we replaced them with the next couple of companies in the list since these insurers are not available for everyone. The cheapest general insurance firms in the state of Virginia are Garrison Property, State Farm Mutual Insurance Company, and Mid-Century Insurance Company. You should expect to pay between a thousand and two thousand dollars annually if you are looking for an affordable insurer. The premiums from the most affordable companies are more than 30% cheaper than the average in the state, so you are sure that you are getting a bargain.

Several insurance companies have certain subsidiaries in the country. Each of them caters to customers with different budgets. A good example is GEICO which has GEICO Indemnity, GEICO General, and GEICO Casualty. It is important to confirm the specific subsidiary that you want before choosing. The average annual premium for car insurance in the state is around $2,700. This is a huge figure. Some companies charge up to $5,000 annually. You have to be extra careful when choosing an insurance package because the highest auto insurance is more than five times that of the cheapest. This shows how important it is to browse for alternative packages before you decide to go with a specific one.

The cost of car insurance also varies according to where you live. The city you live in is a major determinant here. Alexandria has the highest rates. They go for close to three thousand dollars whereas Roanoke has the cheapest with $2300 a year. There are different variations depending on your age group as well. It is important to note that married couples living in Alexandria who have more than 45 years pay less than their counterparts in cheaper cities such as Roanoke and Richmond. The lowest premium offered by a non-military insurer in Alexandria is $1,634 which is offered by GEICO.

Travelers Home and Marine offers the best car rates for residents of Richmond with a price of $1,465. There are also price variations depending on the age-group of residents in Richmond. The rates for twenty-year-old single men and women are four thousand dollars and three thousand dollars respectively. Middle-aged residents pay nearly half of what younger people pay since they get rates as low as $1500. The low price of insurance in Roanoke is attributed to its low population which is less than half of the population of other cities in the state. Virginia Beach has the second cheapest rates of all the other cities even though it has the largest number of residents who amount to close to half a million. The blended premium for insurance rates in Virginia Beach is $2,600 which is lower than the state average. Mid Century is the best insurer in the city with an annual rate of $1600. The price difference between the highest and the lowest is close to $4000 which stress the fact that research is necessary before going with a particular insurer.

Your age-group and the city that you live in are the biggest predictors of the rate that you will pay annually.The data above clearly shows that to see that you get cheaper rates when you grow older. It is also important to know that the same insurer might not be the best in a particular city even though they offer the cheapest rates in the state.The cheapest auto insurer is not always the best. You have to look at other factors such as the number of complaints made and customer service to determine the best.

Types of Auto Insurance Coverage in Virginia:

  • Comprehensive Insurance Coverage
  • Bodily Injury Liability Insurance
  • Uninsured/Underinsured Motorist Bodily Injury Insurance
  • Uninsured Motorist Property Damage Insurance
  • Property Damage Liability Insurance

Minimum Auto Insurance Requirements in Virginia

There are minimum requirements for auto insurance in the state of Virginia. According to the Virginia Department of Motor Vehicles, each vehicle in the state needs to be covered by a minimum of liability insurance coverage as well as uninsured motorist coverage. Drivers who want to decline having to pay for insurance will need to pay an uninsured motorist fee. However, if damage or injury occurs, assets could be seized to cover the costs.

The liability minimums in Virginia are as follows:

  • $20,000 for property damage in an accident
  • $25,000 per person in an accident
  • $50,000 for each accident

Source:  Virginia Department of Motor Vehicles

Cheap Auto Insurance Discounts

At Cheap Auto Insurance, our goal is to help you save as much as possible on the cost of car insurance in Virginia. That is why we have compiled a list of affordable car insurance discounts. Browse the list below to see if any of the discounts can be applied to help you save the maximum amount on the cost of car insurance in Virginia.

  • Anti-theft discount
  • Mature driver discount
  • Military or Veteran discount
  • Bundling insurance policies discount
  • Senior citizen discount
  • Car safety features discount
  • Good student discount
  • Defensive driving discount
  • Low-mileage discount
  • Multi-car auto insurance discount
  • Infrequent usage discount

FAQ

General Virginia Car Insurance Questions

This section covers basic questions you might have about Virginia car insurance. Use it to help you understand the more detailed questions.

test
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
How to get car insurance in Virginia?

The best way to get car insurance in Virginia is to decide what kind of insurance coverage you need. Then, use an insurance price comparison tool to find the right insurance product for you. The applies if you are thinking about switching car insurance companies, just enter your zip code above to get started.

Which companies sell auto insurance in Virginia?

Lots of car insurance companies sell auto insurance in Virginia including some online auto insurance companies. Some of the most popular include:

  • State Farm
  • Geico
  • Progressive
  • Nationwide
  • USAA
  • Allstate
  • Travelers

Some of these same companies also sell GAP insurance. Take a look at a list of GAP insurance companies.

 

What is considered full coverage Virginia auto insurance?

In order to be fully insured in Virginia you need to have at least 25/50/20 car insurance. That means $25,000 for bodily injury per person, $50,000 for bodily injury protection per accident, and $20,000 in property damage liability. To get full coverage insurance quotes just navigate to the top of this page.

How to show proof you can pay for car insurance in Virginia?

The easiest way to show proof you can pay for Virginia car insurance is by submitting a pay stub to the insurance company. This will verify your income and hourly rate.

What do you need to get Virginia car insurance?

You’ll need your driver’s license number, the driver’s license number of anyone who is going to be on the policy, social security numbers, and the VIN of the car you’re insuring.

Virginia Car Insurance Laws

Car insurance laws can be incredibly confusing, so there’s a lot of questions about them. We’ll answer questions about Virginia car insurance laws in this section.

test
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
What are the minimum auto insurance requirements in Virginia?

Virginia requires a minimum of 25/50/20 for insurance. That means you need bodily injury protection at $25,000 per person and $50,000 per accident. You also need $20,000 in property damage liability coverage. Learn more about auto liability insurance and get a quote.

What insurance is required by law for a financed car in Virginia?

State law doesn’t require anything over the basic minimums for a financed car in Virginia. However, most lenders and financiers will require that you get comprehensive coverage for any car you’re still paying off.

What happens if I don't add my child to my auto insurance in Virginia?

That depends on several factors. Your insurance may cover them while they’re still learning to drive. Once they have their own license they’ll either need to get their own policy or be added to yours to legally drive.

How long do you have to get insurance after buying a used car in Virginia?

State law mandates that you’re insured any time you’re driving. Your policy may provide provisional coverage for 7 to 30 days, but you need to check with your policy for specifics. If you need to you can always buy instant online car insurance to get immediate coverage.

What happen in Virginia if I lose my car insurance?

If you lose your car insurance in Virginia then you’ll be notified that you need to get car insurance or have your registration suspended. You can also pay a fee of $500 to avoid obtaining insurance.

Who is required to have commercial auto insurance in Virginia?

Anyone that’s operating their vehicle for business on a regular basis needs commercial auto insurance in Virginia. You should talk to your insurance company to see if your situation qualifies. Related: What type of car insurance should I get?

Does someone who has a driver’s license but doesn't drive have to have car insurance Virginia?

No, you don’t need car insurance just because you have a driver’s license. You can get non-owner car insurance if you want to be sure that you’re protected should you borrow someone’s car. Take a look at the typical non owner car insurance cost.

How long after DUI do you need car insurance to drive in Virginia?

You are required to maintain an FR-44 for either three or four years after a DUI in Virginia. If you get an FR-44 from your insurance company you need it for 3 years, if you get it from the state then you’ll need to have it for four years. Compare FR44 insurance quotes to get the best rate.

What happens if you get pulled over and don't have auto insurance in Virginia?

That depends. If you paid the no insurance fee of $500 then you’ll just have the ticket. If you haven’t paid the fee, then you’ll either need to pay the fee and a fine up to $500 or get car insurance.

What is the fee in Virginia if you don’t have car insurance?

You can avoid buying car insurance in Virginia if you pay a $500 fee for uninsured motorist. However, this doesn’t give you any liability protection.

When did car insurance become mandatory in Virginia?

Virginia passed its compulsory insurance laws in the 70’s. Their laws are a bit unique in that drivers can pay a fee to opt out of getting insurance.

What happens if you let car insurance lapse Virginia?

You will receive a notice from the Virginia DMV that you have 30 days to either provide proof of insurance or pay a $500 uninsured motorist fee. To get car insurance today complete our quote form above.

In Virginia, for a car paid in full, what type insurance must be on vehicle?

If you don’t want the insurance to cover repairs for your car, then you’ll need minimum liability insurance.

In the state of Virginia when do you have to put a child on your car insurance?

You don’t technically have to put your child on your car insurance at any point. You can choose to put them on your insurance when they get their license to save money on the cost of insurance.

Does Virginia require you to report to the DMV when you cancel auto insurance?

No, the insurance company will report for you. You’ll then get a notice that you have 30 days to provide proof of insurance or to pay a $500 uninsured motorist fee.

Virginia Car Insurance Prices

The cost of insurance is one of the most important things people look for. We’ll answer questions about Virginia car insurance costs in this section.

test
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
How much is car insurance in Virginia?

That depends on lots of factors, especially where you live in the state. However, on average, car insurance in Virginia is $843 per year, which is lower than the national average of $1,009.

Who has the cheapest auto insurance in Virginia?

That depends on what kind of insurance you’re looking for. State Farm has the best rates for minimum coverage, low-mileage drivers, and those with one at-fault crash. Geico has the best rates for people with poor credit, and USAA is the best option for military families. Do a car insurance quote compare to determine which company offers the best for you. According to reviews an Erie auto insurance quote would be a good idea too.

Where to get auto insurance in Virginia when one spouse has suspended license?

Your best option is to exclude your husband from your insurance policy. That means he won’t be able to drive your car at all or be covered, but he shouldn’t be driving anyway when he has a suspended license.

Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

Where to find best car insurance for seniors in Virginia?

The best car insurance prices for seniors in Virginia come from Geico, with an average of $493, Progressive, with an average premium of $618, and State Farm, with an average premium of $1,048. See if you can locate no down payment car insurance companies to save even more money.

How much is car insurance a month in Virginia?

The average price per month for car insurance in Virginia is $62.57. However, the rate you get could be higher or lower than that depending on your car, where you live, and more. Read more: How much is car insurance per month?

When does car insurance go down Virginia?

Generally, the price of car insurance for people in Virginia starts to drop after the turn 25. However, there are a ton of factors that can affect your car insurance rates, so your results might be different.

How much can car insurance cost for a teacher in Virginia?

Your best option is to check with Geico and Esurance to see what kind of teacher-specific savings you can get, as these companies both do business in the state and have special programs for teachers. On average across the country teachers paid $1,391 for insurance compared to $1,427 for other professions. Sometimes you can get a car insurance estimate without personal information being needed.

Where can I get a classic car insurance quote in Virginia?

You have a few options. Tappahannock classic car insurance, Esurance, Harrisonburg collector car insurance and Bolt insurance all offer classic car insurance. If this is a temporary need for a car show for example then you can ask the agent about getting a one month car insurance policy.

What is the most affordable car insurance for young drivers in Virginia?

Travelers and USAA are the best options for cheap car insurance for young drivers in Virginia. On average, young drivers in Virginia pay between $4,513 and $2,266 per year for car insurance, depending on their specific age and whether or not they’re on their parent’s insurance.

How much does car insurance go up after an at fault accident with ticket in Virginia?

That depends on lots of other circumstances. You should expect it to go up at least a few hundred dollars per year. However, the nature of the accident and ticket play a large role in this calculation. Classes can sometime help you learn how to reduce auto insurance premium after a ticket.

What auto insurance discounts are available for Virginia drivers?

Auto insurance discounts come down to the specific companies involved, so there are lots of insurance discounts available in the state. Some of the most popular ones are good drive/claim free, good student, low-risk occupation, driver training, and low mileage. You can also get discounts for safety equipment, multiple vehicles, new car, hybrid fuel or alternative fuel cars, customer loyalty, and more. Getting cheaper student car insurance is one of the perks of going to college and getting good grades.

How long can my child stay on my car insurance in Virginia?

There’s no age limit to keep your child on your car insurance. However, in order to stay on your insurance, your child has to live with you full time or while going to school. Once they establish another residency, then they’ll need to be on their own policy.

How long before car insurance goes down after DUI in Virginia?

There’s no set formula for how long a DUI will affect your insurance rates. Most people see elevated rates for five to seven years. However, others see higher rates for much longer.

What is the best car insurance in Virginia?

State Farm is the best option for many categories of driver, including good drivers, low-mileage drivers, and minimum coverage. Military families get the best deal from USAA, and Geico is the best option for people with poor credit.

Who has the cheapest car insurance Virginia?

For most people, State Farm is the cheapest car insurance. Their rates are lower for good drivers, people looking for minimum insurance, and people with one at fault accident. Geico is the best option if you have poor credit, and USAA is superior when it comes to military families.

Virginia Car Insurance Coverage and Claims

It’s important to know how coverage and claims work for your car insurance. We’ll answer questions about this process for the state of Virginia here.

test
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
In Virginia, if another car runs into my car what is the insurance process?

The first thing you need to do is call your insurance company, regardless of who’s at fault in the accident. Your insurance company will tell you what information to collect and what your next steps are to ensure that you get paid. This includes initiating action with the other driver’s insurance company if necessary.

How long do I have to file a car accident insurance injury claim in Virginia?

You have two years, starting from the date of the accident, to file an injury lawsuit in an auto accident case in Virginia. Your insurance company may have a different policy.

What happens if you have a car accident without insurance in Virginia?

You have a few options in this case. You first option is to file an uninsured motorist claim with your insurance company. Then you can initiate a lawsuit against the driver and any other responsible parties to pay for any uninsured damages.

In Virginia, whose insurance pays medical bills in a car accident?

The first company that pays the medical bills is the health insurance company. However, they’ll expect to be repaid by the car insurance company that’s ultimately responsible. The two companies may negotiate with each other or even go to court to prove who has to pay.

In Virginia, your insurance company is legally liable to pay up to how much of the other person's car?

Your car insurance company is legally liable to pay up to the value of their property damage liability coverage. The minimum for this coverage in Virginia is $20,000.

How long do you have to report a car accident to your insurance Virginia?

There’s no set period of time from the state of Virginia regarding how long you have to report an accident. However, your specific insurance policy will have limitations that allow it to disclaim your accident after a certain amount of time.

Do you transfer title first or cancel insurance when you sell a car in Virginia?

You should do the bill of sale and title transfer before your cancel your insurance. You can call them and tell them you’ve sold the car and the title will be transferred on a specific date to let them know when to stop covering and charging you.

How to get car insurance on rebuilt tiles in Virginia?

First, you’ll need to get a salvaged title. You can do that by filling out a completed salvage certificate application and bringing the original car title. You also need an itemized estimate of the repair costs. That includes a vehicle description, list of new and used parts that need to be repaired and what it will cost, the total cost of parts and labor, and the signature from an insurance company or appraisal company, and a $15 salvage title fee. Once you have the title, you can get salvage insurance from most companies that operate in the state.

Other Virginia Car Insurance Questions

There are plenty of different questions that involve car insurance. This section covers questions that don’t fit into our other categories.

test
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
How to get a car totaled by insurance company in Virginia legally driveable again?

You can get a car totaled by an insurance company legally driveable again by applying for a Salvage title. You can find out how to do this be following this link to the VA DMV.

How to cancel auto insurance in Virginia?

You can cancel your auto insurance by calling your auto insurance company. You’ll need to explain why you’re canceling insurance. That’s because of state laws regarding insurance. If you cancel, still own the car, and haven’t already obtained other insurance, then you’ll get a notice from the state that you need to pay a fine of $500 or provide proof of insurance within 30 days.

How late can you pay auto insurance in Virginia?

There’s no state law that formalizes grace periods for car insurance payments. The decision is up to your specific provider.

Who governs auto insurance rates in Virginia?

Individual car insurance companies set their own rates in Virginia. The Bureau of Insurance regulates insurance companies if you have issues with your rates or suspect fraud.

Top Cities in Virginia
  • Cheap Auto Insurance Virginia Beach VA
  • Cheap Auto Insurance Norfolk VA
  • Cheap Auto Insurance Chesapeake VA
  • Cheap Auto Insurance Arlington VA
  • Cheap Auto Insurance Richmond VA
  • Cheap Auto Insurance Newport News VA
  • Cheap Auto Insurance Hampton VA
  • Cheap Auto Insurance Alexandria VA
Show More Cities
  • Cheap Auto Insurance Portsmouth VA
  • Cheap Auto Insurance Roanoke VA
  • Cheap Auto Insurance Suffolk VA
  • Cheap Auto Insurance Lynchburg VA
  • Cheap Auto Insurance Danville VA
  • Cheap Auto Insurance Harrisonburg VA
  • Cheap Auto Insurance Blacksburg VA
  • Cheap Auto Insurance Charlottesville VA
  • Cheap Auto Insurance Leesburg VA
  • Cheap Auto Insurance Manassas VA
  • Cheap Auto Insurance Petersburg VA
  • Cheap Auto Insurance Winchester VA
  • Cheap Auto Insurance Salem VA
  • Cheap Auto Insurance Staunton VA
  • Cheap Auto Insurance Fairfax VA
  • Cheap Auto Insurance Hopewell VA
  • Cheap Auto Insurance Fredericksburg VA
  • Cheap Auto Insurance Herndon VA
  • Cheap Auto Insurance Waynesboro VA
  • Cheap Auto Insurance Christiansburg VA
  • Cheap Auto Insurance Colonial Heights VA
  • Cheap Auto Insurance Bristol VA
  • Cheap Auto Insurance Radford VA
  • Cheap Auto Insurance Vienna VA
  • Cheap Auto Insurance Front Royal VA
  • Cheap Auto Insurance Martinsville VA
  • Cheap Auto Insurance Culpeper VA
  • Cheap Auto Insurance Williamsburg VA
  • Cheap Auto Insurance Poquoson VA
  • Cheap Auto Insurance Manassas Park VA
  • Cheap Auto Insurance Falls Church VA
  • Cheap Auto Insurance Pulaski VA
  • Cheap Auto Insurance Warrenton VA
  • Cheap Auto Insurance Franklin VA
  • Cheap Auto Insurance Wytheville VA
  • Cheap Auto Insurance Abingdon VA
  • Cheap Auto Insurance South Boston VA
  • Cheap Auto Insurance Vinton VA
  • Cheap Auto Insurance Farmville VA
  • Cheap Auto Insurance Ashland VA
  • Cheap Auto Insurance Smithfield VA
  • Cheap Auto Insurance Lexington VA
  • Cheap Auto Insurance Galax VA
  • Cheap Auto Insurance Buena Vista VA
  • Cheap Auto Insurance Bedford VA
  • Cheap Auto Insurance Covington VA
  • Cheap Auto Insurance Marion VA
  • Cheap Auto Insurance Big Stone Gap VA
  • Cheap Auto Insurance Emporia VA
  • Cheap Auto Insurance Bridgewater VA
  • Cheap Auto Insurance Bluefield VA
  • Cheap Auto Insurance Purcellville VA
  • Cheap Auto Insurance Luray VA
  • Cheap Auto Insurance Dumfries VA
  • Cheap Auto Insurance Orange VA
  • Cheap Auto Insurance South Hill VA
  • Cheap Auto Insurance Rocky Mount VA
  • Cheap Auto Insurance Strasburg VA
  • Cheap Auto Insurance Centreville VA
  • Cheap Auto Insurance Dale City VA
  • Cheap Auto Insurance Reston VA
  • Cheap Auto Insurance Ashburn VA
  • Cheap Auto Insurance Tuckahoe VA
  • Cheap Auto Insurance McLean VA
  • Cheap Auto Insurance Lake Ridge VA
  • Cheap Auto Insurance Annandale VA
  • Cheap Auto Insurance Burke VA
  • Cheap Auto Insurance Linton Hall VA
  • Cheap Auto Insurance Marumsco VA
  • Cheap Auto Insurance Mechanicsville VA
  • Cheap Auto Insurance Oakton VA
  • Cheap Auto Insurance Fair Oaks VA
  • Cheap Auto Insurance Springfield VA
  • Cheap Auto Insurance South Riding VA
  • Cheap Auto Insurance Sterling VA
  • Cheap Auto Insurance West Falls Church VA
  • Cheap Auto Insurance Short Pump VA
  • Cheap Auto Insurance Cave Spring VA
  • Cheap Auto Insurance Chantilly VA
  • Cheap Auto Insurance Bailey’s Crossroads VA
  • Cheap Auto Insurance Lincolnia VA
  • Cheap Auto Insurance West Springfield VA
  • Cheap Auto Insurance Chester VA
  • Cheap Auto Insurance Rose Hill VA
  • Cheap Auto Insurance McNair VA
  • Cheap Auto Insurance Lorton VA
  • Cheap Auto Insurance Montclair VA
  • Cheap Auto Insurance Franconia VA
  • Cheap Auto Insurance Brambleton VA
  • Cheap Auto Insurance Franklin Farm VA
  • Cheap Auto Insurance Cherry Hill VA
  • Cheap Auto Insurance Idylwood VA
  • Cheap Auto Insurance Meadowbrook VA
  • Cheap Auto Insurance Burke Centre VA
  • Cheap Auto Insurance Sudley VA
  • Cheap Auto Insurance Bon Air VA
  • Cheap Auto Insurance Buckhall VA
  • Cheap Auto Insurance Merrifield VA
  • Cheap Auto Insurance Laurel VA
  • Cheap Auto Insurance Wolf Trap VA
  • Cheap Auto Insurance Fort Hunt VA
  • Cheap Auto Insurance Neabsco VA
  • Cheap Auto Insurance Hybla Valley VA
  • Cheap Auto Insurance Groveton VA
  • Cheap Auto Insurance Glen Allen VA
  • Cheap Auto Insurance Kingstowne VA
  • Cheap Auto Insurance Highland Springs VA
  • Cheap Auto Insurance Great Falls VA
  • Cheap Auto Insurance Gainesville VA
  • Cheap Auto Insurance East Highland Park VA
  • Cheap Auto Insurance Bull Run VA
  • Cheap Auto Insurance Kings Park West VA
  • Cheap Auto Insurance Hollins VA
  • Cheap Auto Insurance Brandermill VA
  • Cheap Auto Insurance Broadlands VA
  • Cheap Auto Insurance Timberlake VA
  • Cheap Auto Insurance Newington VA
  • Cheap Auto Insurance Lakeside VA
  • Cheap Auto Insurance Sugarland Run VA
  • Cheap Auto Insurance Huntington VA
  • Cheap Auto Insurance Mount Vernon VA
  • Cheap Auto Insurance Newington Forest VA
  • Cheap Auto Insurance Cascades VA
  • Cheap Auto Insurance Lansdowne VA
  • Cheap Auto Insurance Stone Ridge VA
  • Cheap Auto Insurance Dranesville VA
  • Cheap Auto Insurance Fairfax Station VA
  • Cheap Auto Insurance Madison Heights VA
  • Cheap Auto Insurance Lowes Island VA
  • Cheap Auto Insurance Manchester VA
  • Cheap Auto Insurance Forest VA
  • Cheap Auto Insurance Countryside VA
  • Cheap Auto Insurance Norton VA
  • Cheap Auto Insurance Wyndham VA
  • Cheap Auto Insurance Lake Barcroft VA
  • Cheap Auto Insurance Lake Monticello VA
  • Cheap Auto Insurance Stuarts Draft VA
  • Cheap Auto Insurance George Mason VA
  • Cheap Auto Insurance New Baltimore VA
  • Cheap Auto Insurance Dunn Loring VA
  • Cheap Auto Insurance Yorkshire VA
  • Cheap Auto Insurance Independent Hill VA
  • Cheap Auto Insurance Gloucester Point VA
  • Cheap Auto Insurance Triangle VA
  • Cheap Auto Insurance Woodburn VA
  • Cheap Auto Insurance Richlands VA
  • Cheap Auto Insurance Dumbarton VA
  • Cheap Auto Insurance Floris VA
  • Cheap Auto Insurance Seven Corners VA
  • Cheap Auto Insurance Greenbriar VA
  • Cheap Auto Insurance University of Virginia VA
  • Cheap Auto Insurance Innsbrook VA
  • Cheap Auto Insurance Rockwood VA
  • Cheap Auto Insurance Laurel Hill VA
  • Cheap Auto Insurance Hollymead VA
  • Cheap Auto Insurance Montrose VA
  • Cheap Auto Insurance Fair Lakes VA
  • Cheap Auto Insurance Fishersville VA
  • Cheap Auto Insurance Long Branch VA
  • Cheap Auto Insurance Fort Belvoir VA
  • Cheap Auto Insurance North Springfield VA
  • Cheap Auto Insurance Woodlake VA
  • Cheap Auto Insurance Lake of the Woods VA
  • Cheap Auto Insurance Mantua VA
  • Cheap Auto Insurance Woodstock VA
  • Cheap Auto Insurance Collinsville VA
  • Cheap Auto Insurance Sandston VA
  • Cheap Auto Insurance Crozet VA
  • Cheap Auto Insurance Aquia Harbour VA
  • Cheap Auto Insurance Loudoun Valley Estates VA
  • Cheap Auto Insurance Belmont VA
  • Cheap Auto Insurance Broadway VA
  • Cheap Auto Insurance Bellwood VA
  • Cheap Auto Insurance South Run VA
  • Cheap Auto Insurance Bensley VA
  • Cheap Auto Insurance Pimmit Hills VA
  • Cheap Auto Insurance Chamberlayne VA
  • Cheap Auto Insurance Potomac Mills VA
  • Cheap Auto Insurance Carrollton VA
  • Cheap Auto Insurance Crosspointe VA
  • Cheap Auto Insurance Quantico Base VA
  • Cheap Auto Insurance Ettrick VA
  • Cheap Auto Insurance Massanetta Springs VA
  • Cheap Auto Insurance Kings Park VA
  • Cheap Auto Insurance King George VA
  • Cheap Auto Insurance Fort Lee VA
  • Cheap Auto Insurance Falmouth VA
  • Cheap Auto Insurance Clifton Forge VA
  • Cheap Auto Insurance Bealeton VA
  • Cheap Auto Insurance Altavista VA
  • Cheap Auto Insurance Loch Lomond VA
  • Cheap Auto Insurance Tazewell VA
  • Cheap Auto Insurance Berryville VA
  • Cheap Auto Insurance Woodbridge VA
  • Cheap Auto Insurance Dulles Town Center VA
  • Cheap Auto Insurance Bethel Manor VA
  • Cheap Auto Insurance Grottoes VA
  • Cheap Auto Insurance Hayfield VA
  • Cheap Auto Insurance Spotsylvania Courthouse VA
  • Cheap Auto Insurance Mount Hermon VA
  • Cheap Auto Insurance University Center VA
  • Cheap Auto Insurance Narrows VA
  • Cheap Auto Insurance Enon VA
  • Cheap Auto Insurance Crewe VA
  • Cheap Auto Insurance Stafford Courthouse VA
  • Cheap Auto Insurance Elkton VA
  • Cheap Auto Insurance County Center VA
  • Cheap Auto Insurance Colonial Beach VA
  • Cheap Auto Insurance Pantops VA
  • Cheap Auto Insurance Lake Land’Or VA
  • Cheap Auto Insurance Shenandoah Farms VA
  • Cheap Auto Insurance Southern Gateway VA
  • Cheap Auto Insurance Cloverdale VA
  • Cheap Auto Insurance Verona VA
  • Cheap Auto Insurance North Shore VA
  • Cheap Auto Insurance Lebanon VA
  • Cheap Auto Insurance Blue Ridge VA
  • Cheap Auto Insurance Dahlgren VA
  • Cheap Auto Insurance Blackstone VA
  • Cheap Auto Insurance Daleville VA
  • Cheap Auto Insurance Wise VA
  • Cheap Auto Insurance Lawrenceville VA
  • Cheap Auto Insurance Chincoteague VA
  • Cheap Auto Insurance Coeburn VA
  • Cheap Auto Insurance Pearisburg VA
  • Cheap Auto Insurance Windsor VA
  • Cheap Auto Insurance Weyers Cave VA
  • Cheap Auto Insurance West Point VA
  • Cheap Auto Insurance Hillsville VA
  • Cheap Auto Insurance Dublin VA
  • Cheap Auto Insurance Timberville VA
  • Cheap Auto Insurance Tappahannock VA
  • Cheap Auto Insurance Lake Wilderness VA
  • Cheap Auto Insurance Fairlawn VA
  • Cheap Auto Insurance Chase City VA
  • Cheap Auto Insurance Matoaca VA
  • Cheap Auto Insurance Gloucester Courthouse VA
  • Cheap Auto Insurance Washington D.C.

How Helpful was this Article?

4.6
4.6 rating
4.6 out of 5 stars (based on 14 reviews)
Excellent64%
Very good36%
Average0%
Poor0%
Terrible0%


Please Rate this Article

Select Your State

Latest Posts

  • No Money Down Car Insurance: 0 Deposit & Low Payments
  • Liability vs Full Coverage Car Insurance
  • Car Insurance Grace Periods
  • Help I Can’t Afford Car Insurance
  • Getting Insurance When Buying a Used Car
  • Why Is My Car Insurance So Expensive? + Least Expensive Companies
  • Driving Safety: How to Help Someone with Alzheimer’s or Dementia
  • Ways to Lower Car Insurance Rates [Money Saving Quotes]
  • Cheap Car Insurance for Leased Cars [Gap Requirements]
  • Cheap Car Insurance for Bad Driving Records
  • Why Did My Car Insurance Go Up?
  • Best Way to Shop for Car Insurance [Find Cheap Quotes]
  • Cheapest Local Car Insurance Brokers Near Me
  • Best Car & Home or Renters Insurance Bundle Comparison Quotes
  • Best Military Car Insurance: Cheap Discounts for Veterans & Family
  • Cheap Motorcycle Insurance Quotes: Compare Best Companies
  • Best Pay Per Mile Car Insurance Companies Review: Is it Worth it?
  • 10 Best Car Insurance Apps: Get Quotes and Manage Policies Easy
  • Cheap Classic Car Insurance Quotes + Best Company Reviews
  • Cheap Same Day Instant Car Insurance [Online Now]
  • How to Switch Car Insurance Companies Before Renewal Date
  • Cheapest SR22 Car Insurance Quotes + Best Companies
  • Cheap Non Owner Car Insurance: Best Quotes + Cost
  • Cheap Temporary Car Insurance (Short Term & Month to Month)
  • Cheap Car Insurance for Bad Credit + No Credit Check Companies
  • Rideshare Car Insurance: How Much is Each State + Cheapest Companies
  • Cheap DUI Car Insurance: Best Companies & Rates for Offenders
  • Cheap Car Insurance for High Risk Drivers: + Best Companies
  • How Much is Car Insurance? Average Cost People Pay Per Month
  • 2020 Erie Auto Insurance Company Review: Compare Quotes
  • 2020 Mercury Auto Insurance Company Review: Quotes Comparison
  • 2020 Safe Auto Insurance Company Review: Compare Car Insurance Quotes
  • AAA Car Insurance Company Review: + Online Rate Quotes
  • Who Are the Worst U.S. Drivers By City & State
  • Allstate vs State Farm Car Insurance Review
  • Geico vs Progressive Car Insurance Review
  • Cheap Car Insurance for Good Students + Best College Discounts
  • What Does No-Fault State Mean?
  • Estimate Average Auto Insurance Costs + Monthly Payment Calculator
  • Who Has The Cheapest Car Insurance? (2020 Update!)
  • Are Certain Cars More Expensive to Insure?
  • What Type of Car is Cheapest to Insure
  • Cheap Car Insurance for Young Teen & First Time New Drivers Under 25
  • How to Insure a Car in Different Scenarios
  • Insurance and/or Driving Without a License
  • Is There Really Such Thing as “Full Coverage” Cheap Car Insurance?
  • Average Miles Driven Per Year or Month Per Person for Each State
  • What is Accident Forgiveness and Who Offers it?
  • Reduce Auto Insurance Cost: + Low Income Rates & Discounts
  • Buy Cheap Auto Insurance Online [Compare Rates + Zip Code Tool]
  • Do Speeding Tickets Affect Insurance?
  • How Does Car Gap Insurance Work: Is it Worth it?
  • Common Auto Insurance Deductible Questions Answered
  • Insuring a Car With a Rebuilt Title: Salvage Insurance
  • Difference Between a Citation and a Ticket: How it Affects Insurance
  • About Us
  • Learning Center
  • Careers
  • Contact Us
  • Terms of Service
  • Privacy Policy

Copyright © 2020. Cheap Auto Insurance Comparison 178 State St, Boston, MA 02109

×

Before you go...

Did you know that it only takes 60 seconds to get a quick quote?

You could be saving up to 50% or more on your car insurance!

Yes, I want to get a quick quote.

Cheap Car Insurance Alabama Cheap Car Insurance Arizona Cheap Car Insurance Arkansas Cheap Car Insurance California Cheap Car Insurance Alaska Cheap Car Insurance Colorado Cheap Car Insurance Connecticut Cheap Car Insurance Delaware Cheap Car Insurance Florida Cheap Car Insurance Georgia Cheap Car Insurance Hawaii Cheap Car Insurance Idaho Cheap Car Insurance Illinois Cheap Car Insurance Indiana Cheap Car Insurance Iowa Cheap Car Insurance Kansas Cheap Car Insurance Kentucky Cheap Car Insurance Louisiana Cheap Car Insurance Maine Cheap Car Insurance Maryland Cheap Car Insurance Massachusetts Cheap Car Insurance Michigan Cheap Car Insurance Minnesota Cheap Car Insurance Mississippi Cheap Car Insurance Missouri Cheap Car Insurance Montana Cheap Car Insurance Nebraska Cheap Car Insurance Nevada Cheap Car Insurance New Hampshire Cheap Car Insurance New Jersey Cheap Car Insurance New Mexico Cheap Car Insurance New York Cheap Car Insurance North Carolina Cheap Car Insurance North Dakota Cheap Car Insurance Ohio Cheap Car Insurance Oklahoma Cheap Car Insurance Oregon Cheap Car Insurance Pennsylvania Cheap Car Insurance Rhode Island Cheap Car Insurance South Carolina Cheap Car Insurance South Dakota Cheap Car Insurance Tennessee Cheap Car Insurance Texas Cheap Car Insurance Utah Cheap Car Insurance Vermont Cheap Car Insurance Virginia Cheap Car Insurance Washington Cheap Car Insurance West Virginia Cheap Car Insurance Wisconsin Cheap Car Insurance Wyoming