Find Virginia’s car insurance cost for both new and used cars by auto values, deductibles and credit scores. Also see what coverage you need and where you can cut costs without leaving yourself in trouble.
The state made major changes in 2024 and 2025. Car insurance is mandatory: Virginia eliminated the old $500 uninsured motorist fee that let drivers skip coverage. And in 2025, minimum liability limits jumped from 30/60/20 to 50/100/25. Once ready, see the best local and statewide car insurers.
Virginia’s 50/100/25 Minimums: What You’re Required to Have
Virginia New Car Insurance Costs
Virginia Used Car Insurance Costs
Credit Scores Affect Your Rate in Virginia
How to Choose the Right Coverage
Contributory Negligence: Virginia’s Harsh Fault Rule Creates Coverage Gaps
Curious about car financing? See real Virginia car loan rates shared by our community. Also find Virginia best car loan lenders in your area (also community recommended).
Virginia’s 50/100/25 Minimums: What You’re Required to Have
As of 2026, Virginia requires:
- Bodily Injury Liability: $50,000 per person / $100,000 per accident.
- Property Damage Liability: $25,000 per accident.
- Uninsured/Underinsured Motorist (UM/UIM): $50,000 per person / $100,000 per accident (mandatory, matching your liability limits).
These limits doubled from the previous 30/60/20 requirement. If you had a policy before January 2025, it will update to the new minimums at your next renewal.
MFP Tip: Virginia requires UM/UIM coverage equal to your liability limits — you can’t opt out. Since July 2023, Virginia allows “stacking” of UM/UIM coverage. Your UM/UIM pays on top of the at-fault driver’s liability, not just the difference. This gives you more total coverage after an accident with an underinsured driver.
No More $500 Fee — Insurance Is Mandatory
Until July 1, 2024, Virginia and New Hampshire were the only states that let drivers skip insurance by paying an annual fee. That option is gone. Now every vehicle must be insured.
Driving without insurance in Virginia carries stiff penalties:
- $600 statutory fine.
- License and registration suspension.
- $145 reinstatement fee.
- SR-22 filing requirement for 3 years.
Virginia’s DMV uses electronic verification to monitor insurance status on registered vehicles. If your coverage lapses, you’ll be notified to reinsure, deactivate your plates, or surrender them.
Virginia New Car Insurance Costs
Virginia is one of the more affordable states for new car insurance. Average premiums run 6-20% below national averages, depending on your coverage level and profile.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $60K | Full | $272 | $316 | $344 | $556 |
| Standard | $228 | $265 | $289 | $467 | |
| Liability only | $147 | $171 | $186 | $301 | |
| $40K-$60K | Full | $230 | $267 | $291 | $470 |
| Standard | $191 | $222 | $242 | $391 | |
| Liability only | $126 | $146 | $159 | $258 | |
| $25K-$40K | Full | $201 | $233 | $254 | $410 |
| Standard | $166 | $194 | $211 | $341 | |
| Liability only | $112 | $130 | $141 | $228 | |
| Below $25K | Full | $176 | $205 | $223 | $360 |
| Standard | $145 | $168 | $183 | $296 | |
| Liability only | $98 | $114 | $125 | $201 |
Virginia Used Car Insurance Costs
Virginia is one of the more affordable states for used car insurance. Average premiums run 6-20% below national averages, depending on your coverage level and profile.
| Car Value | Coverage | 750+ (Excellent) |
700–749 (Good) |
650–699 (Fair) |
600–649 (Below Fair) |
|---|---|---|---|---|---|
| Over $40K | Full | $205 | $239 | $260 | $420 |
| Standard | $171 | $199 | $217 | $350 | |
| Liability only | $113 | $131 | $143 | $231 | |
| $15K-$40K | Full | $171 | $199 | $217 | $350 |
| Standard | $142 | $165 | $180 | $290 | |
| Liability only | $95 | $111 | $121 | $195 | |
| Below $15K | Full | $144 | $167 | $182 | $294 |
| Standard | $117 | $136 | $149 | $240 | |
| Liability only | $81 | $94 | $103 | $166 |
What Each Coverage Level Means
Full Coverage: Includes collision, comprehensive, and liability beyond state minimums. Typical limits are 100/300/100. This pays to repair or replace your car after accidents, theft, vandalism, or weather damage. Required if you finance or lease.
Minimum Coverage: Virginia’s 50/100/25 liability plus mandatory UM/UIM. Protects others if you cause an accident and protects you from uninsured drivers. Does not cover damage to your own vehicle.
MFP Tip: Farm Bureau offers the cheapest full coverage in Virginia at around $111/month — $58 below the state average. Erie, USAA (military), and GEICO also consistently offer below-average rates. Get at least three quotes.
Credit Scores Affect Your Rate in Virginia
Virginia allows insurers to use credit-based insurance scores when setting premiums. Drivers with poor credit pay more than twice as much as those with excellent credit.
Your premium is influenced by:
- Credit-based insurance score: Major factor. Poor credit can double your premium or more.
- Driving record: A speeding ticket adds about 8% to your rate. An at-fault accident adds 23%. A DUI adds 27%.
- Age: Teen drivers pay roughly $7,078/year for full coverage vs. $1,890 for drivers in their 40s.
- Location: Northern Virginia and Hampton Roads cost more than rural areas.
- Vehicle type: Newer, more expensive, or high-performance cars cost more to insure.
- Gender: Virginia allows gender as a rating factor (unlike some states that prohibit it).
MFP Tip: If you’ve improved your credit since you bought your policy, ask your insurer to re-run your score. You may qualify for a lower rate without switching companies.
How to Choose the Right Coverage
Buying a New Car
If you’re financing or leasing, your lender will require full coverage including collision and comprehensive. You don’t have a choice — it protects their investment.
Beyond lender requirements, gap insurance is worth considering. New cars depreciate 20-30% in the first year. If your car is totaled, insurance pays the actual cash value (what it’s worth today), not what you owe. Gap insurance covers the difference.
Virginia uses annual safety inspections. Your new car must pass inspection before you can register it. New vehicles from dealers typically come with a valid inspection sticker.
Buying a Used Car
With a used car you own outright, you have more flexibility. The key question: does it make financial sense to pay for collision and comprehensive coverage?
The 10% Rule: Add up your annual collision and comprehensive premiums. If that total exceeds 10% of your car’s current market value, you might save money by dropping those coverages and setting aside funds for repairs or a replacement.
Example: Your 2018 Honda Accord is worth $18,000. If collision and comprehensive cost $1,400/year (7.8%), keeping those coverages makes sense. If your 2012 Ford Escape is worth $7,000 and collision plus comprehensive runs $800/year (11.4%), you might be better off banking the premium savings.
Virginia Exception: Hurricane Helene devastated Southwest Virginia in 2024. The state faces flood risk along coastal areas and increasingly inland. Comprehensive coverage protects against flood, falling trees, and storm damage — think carefully before dropping it.
Contributory Negligence: Virginia’s Harsh Fault Rule Creates Coverage Gaps
Virginia is one of only 5 jurisdictions (along with Alabama, Maryland, North Carolina, and D.C.) that uses pure contributory negligence. This rule can devastate your ability to recover damages after an accident.
What Contributory Negligence Means for You
If you are found even 1% at fault for an accident, you cannot recover any damages from the other driver — even if they were 99% at fault.
Examples where contributory negligence has barred recovery:
- You’re hit by a drunk driver but were driving 5 mph over the speed limit.
- A car runs a red light and hits you, but your brake lights weren’t working.
- A pedestrian is struck while jaywalking, even if the driver was texting.
Insurance companies know this rule and use it aggressively. Even minor factors can be used to argue you contributed to the accident, eliminating their liability entirely.
How to Protect Yourself
Because you can’t always rely on recovering from an at-fault driver, your own coverage becomes critical:
- Collision coverage: Pays to repair your car regardless of fault.
- Medical payments coverage (MedPay): Pays your medical bills regardless of fault.
- Higher UM/UIM limits: If an uninsured driver hits you, UM coverage pays — and contributory negligence doesn’t apply to your own policy.
MFP Tip: In Virginia, your own insurance is your best protection. Don’t rely on being able to recover from the other driver. Collision, MedPay, and high UM/UIM limits matter more here than in comparative negligence states.
$25,000 Property Damage May Not Be Enough
The average new car costs over $48,000. Even a moderate collision can exceed Virginia’s $25,000 property damage minimum. If you cause an accident with a newer vehicle, you could be personally liable for the difference.
Consider raising your property damage limit to $50,000 or $100,000. The premium difference is usually modest compared to the protection it provides.
What Shapes Virginia Rates
Virginia is an At-Fault State
Virginia uses a traditional at-fault (tort) system. The driver who causes an accident is responsible for paying for the other party’s damages through their liability insurance.
This differs from no-fault states where each driver’s own insurance pays their medical bills regardless of who caused the crash. In Virginia, you file a claim against the at-fault driver’s insurance — unless contributory negligence bars your claim.
12% Uninsured Rate (Declining)
About 12.1% of Virginia drivers were uninsured in 2022 — below the national average of 14%. With the elimination of the $500 uninsured fee in July 2024, that rate is expected to drop further.
Virginia requires UM/UIM coverage matching your liability limits, so you have mandatory protection against uninsured and underinsured drivers. The 2023 stacking law means your UM/UIM now pays on top of the at-fault driver’s coverage, not just the gap.
Hurricane and Flood Risk
Coastal Virginia faces hurricane risk, and recent years have shown that inland areas aren’t immune. Hurricane Helene (2024) caused major damage in Southwest Virginia. Flooding affects areas you might not expect.
Comprehensive coverage protects against flood damage, falling trees, and wind damage from hurricanes and severe storms. Without it, you’re on your own for weather-related repairs.
FR-44 Requirement for Serious Violations
Virginia is one of only two states (along with Florida) that uses FR-44 forms in addition to SR-22s. An FR-44 requires you to carry double the minimum liability limits — effectively 100/200/50 — for three years after certain violations like DUI or federal law violations.
This makes serious violations even more expensive in Virginia than other states.
How to Lower Your Virginia Car Insurance Costs
Shop around aggressively. Rates vary wildly between insurers. Farm Bureau averages $111/month for full coverage, while other carriers charge $169+. Get at least three quotes.
Bundle your policies. Combining auto and homeowners or renters insurance often saves 10-25%.
Maintain a clean driving record. A speeding ticket adds 8%. An at-fault accident adds 23%. A DUI adds 27% and triggers the FR-44 requirement with doubled minimums.
Improve your credit. With poor-credit drivers paying more than double what excellent-credit drivers pay, improving your credit score is one of the most effective long-term strategies.
Raise your deductible. Increasing your deductible from $500 to $1,000 can cut your collision and comprehensive premiums by 15-25%.
Ask about discounts. Common Virginia discounts include good driver, multi-vehicle, homeowner, military/veteran, and low mileage.
MFP Tip: Virginia premiums rose about 20% in 2023, though rates are expected to stabilize or decline as the mandatory insurance law reduces the uninsured rate. Shop at each renewal to make sure you’re getting the best rate.
Buying a Car in Virginia? Here’s What to Do
Get Insurance Before You Register
Virginia requires proof of insurance before you can register a vehicle. Your insurance carrier must be authorized to do business in Virginia — out-of-state coverage doesn’t automatically qualify.
Title and Register Within 30 Days
New residents have 30 days to title and register their vehicle after establishing residency. You also need a Virginia driver’s license within 60 days (30 days for CDL holders).
For registration, you’ll need:
- Proof of Virginia insurance.
- Vehicle title (for transfer to Virginia).
- Proof of identity and Virginia residency.
- Payment for registration fees and any sales tax.
- Safety inspection certificate.
If you buy from a dealer, they typically handle the paperwork and provide a 30-day temporary plate while processing.
Annual Safety Inspection Required
Virginia requires annual safety inspections for all vehicles. Before registering, your car must pass inspection and display a valid sticker. Inspections are performed at most repair shops — contact Virginia State Police or call (804) 674-2000 to find inspection stations.
Some Northern Virginia localities (Arlington, Fairfax, Loudoun, Prince William, etc.) also require emissions inspections every two years.
Local Decals May Be Required
Some Virginia localities require a local vehicle decal or sticker within 30 days of moving there. These are sold by the local Commissioner of Revenue or Treasurer — not the DMV. Check with your county or city to see if this applies to you.
Virginia Best Car Insurance
See Virginia best local insurers by metro areas based on community recommendations
Virginia Beach, Chesapeake, Norfolk, Richmond, Newport News, Alexandria, Hampton, Roanoke
Virginia Beach Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Virginia Beach’s area are Choice Insurance Agency, Virginia Farm Bureau Insurance and State Farm.
Choice Insurance Agency (88% Recommend)
- Choice Insurance Agency scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Virginia Beach’s top 3.
- Drivers can use the agency to compare several companies and get help choosing coverage without doing all the shopping alone.
Virginia Farm Bureau Insurance (85% Recommend)
- Virginia Farm Bureau Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching Choice Insurance Agency on Terms & Premium Satisfaction.
- It works well for drivers who want a Virginia-based insurer and a local agent they can call when questions come up.
State Farm (81% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, giving it the strongest Easy Application among Virginia Beach’s top 3.
- State Farm is a practical choice for drivers who want a familiar company and nearby office support.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Choice Insurance Agency | Agency | 4.6 | 4.6 | 4.8 | 88% |
| Virginia Farm Bureau Insurance | Insurer | 4.3 | 4.6 | 4.6 | 85% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Erie Insurance | Insurer | 4.3 | 4.5 | 4.5 | 80% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 79% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 78% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
| Nationwide | Insurer | 4.2 | 4.1 | 4.1 | 75% |
| USAA | Insurer | 4.5 | 4.6 | 4.6 | 74% |
Chesapeake Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Chesapeake’s area are Towne Insurance, Virginia Farm Bureau Insurance and Choice Insurance Agency.
Towne Insurance (88% Recommend)
- Towne Insurance scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest Support & Guidance among Chesapeake’s top 3.
- Drivers can get local agency help comparing companies and asking questions before they choose a policy.
Virginia Farm Bureau Insurance (85% Recommend)
- Virginia Farm Bureau Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching Towne Insurance on Terms & Premium Satisfaction.
- It is a good match for drivers who want a Virginia insurer and a local agent to help after the quote.
Choice Insurance Agency (84% Recommend)
- Choice Insurance Agency scores 4.5 Easy Application, 4.5 Terms & Premium Satisfaction and 4.7 Support & Guidance, only 0.2 below Towne Insurance on support.
- Choice works well for drivers who want an agency to compare coverage options instead of shopping one company at a time.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Towne Insurance | Agency | 4.6 | 4.6 | 4.9 | 88% |
| Virginia Farm Bureau Insurance | Insurer | 4.3 | 4.6 | 4.6 | 85% |
| Choice Insurance Agency | Agency | 4.5 | 4.5 | 4.7 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Erie Insurance | Insurer | 4.3 | 4.5 | 4.5 | 80% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 79% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 78% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
Norfolk Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Norfolk’s area are Towne Insurance, Choice Insurance Agency and Virginia Farm Bureau Insurance.
Towne Insurance (88% Recommend)
- Towne Insurance scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest Support & Guidance among Norfolk’s top 3.
- Drivers can work with a local agency that helps compare companies and explain policy choices in plain language.
Choice Insurance Agency (85% Recommend)
- Choice Insurance Agency has 4.5 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, only 0.1 below Towne Insurance on support.
- Choice is useful for drivers who want help sorting through coverage and price before buying.
Virginia Farm Bureau Insurance (84% Recommend)
- Virginia Farm Bureau Insurance scores 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms & Premium Satisfaction among Norfolk’s top 3.
- Farm Bureau works well for drivers who want a Virginia company and local agent service.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Towne Insurance | Agency | 4.6 | 4.6 | 4.9 | 88% |
| Choice Insurance Agency | Agency | 4.5 | 4.5 | 4.8 | 85% |
| Virginia Farm Bureau Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Erie Insurance | Insurer | 4.3 | 4.5 | 4.5 | 80% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 79% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 78% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 76% |
Richmond Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Richmond’s area are Virginia Farm Bureau Insurance, Henrico Insurance Agency and State Farm.
Virginia Farm Bureau Insurance (87% Recommend)
- Virginia Farm Bureau Insurance scores 4.3 Easy Application, 4.7 Terms & Premium Satisfaction and 4.7 Support & Guidance, the highest Terms and Support scores among Richmond’s top 3.
- It is a strong fit for drivers who want a Virginia insurer and a local agent to help with policy questions.
Henrico Insurance Agency (86% Recommend)
- Henrico Insurance Agency has 4.6 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among the top 3.
- Drivers can use the agency to compare companies and get help choosing coverage without guessing.
State Farm (81% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with stronger Easy Application than Virginia Farm Bureau.
- State Farm works well for drivers who want a familiar company and a nearby office for quote help.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Virginia Farm Bureau Insurance | Insurer | 4.3 | 4.7 | 4.7 | 87% |
| Henrico Insurance Agency | Agency | 4.6 | 4.5 | 4.8 | 86% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Erie Insurance | Insurer | 4.3 | 4.5 | 4.5 | 80% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 79% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 78% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
Newport News Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Newport News’s area are Towne Insurance, Virginia Farm Bureau Insurance and Choice Insurance Agency.
Towne Insurance (87% Recommend)
- Towne Insurance scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Newport News’s top 3.
- Drivers can get help comparing companies and asking questions before they choose a policy.
Virginia Farm Bureau Insurance (85% Recommend)
- Virginia Farm Bureau Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching Towne Insurance on Terms & Premium Satisfaction.
- It works well for drivers who want a Virginia-based insurer and local agent service.
Choice Insurance Agency (83% Recommend)
- Choice Insurance Agency scores 4.5 Easy Application, 4.5 Terms & Premium Satisfaction and 4.7 Support & Guidance, only 0.1 below Towne Insurance on support.
- Choice is a good fit for drivers who want an agency to compare coverage options and explain the details.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Towne Insurance | Agency | 4.6 | 4.6 | 4.8 | 87% |
| Virginia Farm Bureau Insurance | Insurer | 4.3 | 4.6 | 4.6 | 85% |
| Choice Insurance Agency | Agency | 4.5 | 4.5 | 4.7 | 83% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Erie Insurance | Insurer | 4.3 | 4.5 | 4.5 | 80% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 79% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 78% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
Alexandria Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Alexandria’s area are AHT Insurance, Virginia Farm Bureau Insurance and Erie Insurance.
AHT Insurance (88% Recommend)
- AHT Insurance scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.9 Support & Guidance, the highest Support & Guidance among Alexandria’s top 3.
- Drivers can work with an agency that helps compare companies and makes the coverage choices easier to understand.
Virginia Farm Bureau Insurance (84% Recommend)
- Virginia Farm Bureau Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching AHT on Terms & Premium Satisfaction.
- It is a good choice for drivers who want a Virginia insurer and local agent support.
Erie Insurance (81% Recommend)
- Erie Insurance scores 4.3 Easy Application, 4.5 Terms & Premium Satisfaction and 4.5 Support & Guidance, close to Farm Bureau on price and support.
- Erie works well for drivers who want agent help and a strong balance between coverage and cost.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| AHT Insurance | Agency | 4.6 | 4.6 | 4.9 | 88% |
| Virginia Farm Bureau Insurance | Insurer | 4.3 | 4.6 | 4.6 | 84% |
| Erie Insurance | Insurer | 4.3 | 4.5 | 4.5 | 81% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 79% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 78% |
| Travelers | Insurer | 4.2 | 4.2 | 4.1 | 77% |
| Allstate | Insurer | 4.3 | 4.1 | 4.2 | 76% |
Hampton Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Hampton’s area are Towne Insurance, Virginia Farm Bureau Insurance and State Farm.
Towne Insurance (87% Recommend)
- Towne Insurance scores 4.6 Easy Application, 4.6 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Hampton’s top 3.
- Drivers can get local help comparing companies and understanding what each policy covers.
Virginia Farm Bureau Insurance (85% Recommend)
- Virginia Farm Bureau Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, matching Towne Insurance on Terms & Premium Satisfaction.
- It works well for drivers who want a Virginia insurer and an agent to help with questions after the quote.
State Farm (81% Recommend)
- State Farm scores 4.5 Easy Application, 4.2 Terms & Premium Satisfaction and 4.3 Support & Guidance, with the strongest Easy Application among Hampton’s top 3.
- State Farm is a practical fit for drivers who want a familiar company and a local office they can contact.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Towne Insurance | Agency | 4.6 | 4.6 | 4.8 | 87% |
| Virginia Farm Bureau Insurance | Insurer | 4.3 | 4.6 | 4.6 | 85% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 81% |
| Erie Insurance | Insurer | 4.3 | 4.5 | 4.5 | 80% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 79% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 78% |
Roanoke Best Car Insurers
MFP’s Community Car Insurance Survey most recommended auto insurance companies in Roanoke’s area are Valley Insurance Agency Alliance, Virginia Farm Bureau Insurance and Erie Insurance.
Valley Insurance Agency Alliance (87% Recommend)
- Valley Insurance Agency Alliance scores 4.6 Easy Application, 4.5 Terms & Premium Satisfaction and 4.8 Support & Guidance, the highest Support & Guidance among Roanoke’s top 3.
- Drivers can use the agency to compare companies and get help deciding which coverage is worth paying for.
Virginia Farm Bureau Insurance (85% Recommend)
- Virginia Farm Bureau Insurance has 4.3 Easy Application, 4.6 Terms & Premium Satisfaction and 4.6 Support & Guidance, the strongest Terms & Premium Satisfaction among the top 3.
- It is a strong fit for drivers who want a Virginia insurer and local agent service.
Erie Insurance (81% Recommend)
- Erie Insurance scores 4.3 Easy Application, 4.5 Terms & Premium Satisfaction and 4.5 Support & Guidance, close to Virginia Farm Bureau on price and support.
- Erie works well for drivers who want agent help and a good balance between price, coverage and service.
| Insurer | Type | Easy Application | Terms & Premium Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Valley Insurance Agency Alliance | Agency | 4.6 | 4.5 | 4.8 | 87% |
| Virginia Farm Bureau Insurance | Insurer | 4.3 | 4.6 | 4.6 | 85% |
| Erie Insurance | Insurer | 4.3 | 4.5 | 4.5 | 81% |
| State Farm | Insurer | 4.5 | 4.2 | 4.3 | 80% |
| Progressive | Insurer | 4.7 | 4.2 | 4.1 | 78% |
| GEICO | Insurer | 4.8 | 4.2 | 4.0 | 77% |
End Note
Virginia’s car insurance landscape changed dramatically in 2024-2025. Mandatory insurance, higher minimums, and UM/UIM stacking all work in drivers’ favor. But the state’s pure contributory negligence rule remains a serious risk — if you’re found even slightly at fault, you could lose your right to recover damages entirely.
That makes your own coverage more important in Virginia than in most states. Collision, MedPay, and high UM/UIM limits protect you when you can’t rely on the other driver’s insurance.
Virginia remains one of the more affordable states for car insurance. Farm Bureau, Erie, and USAA consistently offer below-average rates. With the new mandatory insurance requirement expected to reduce uninsured drivers on the road, premiums may stabilize or decline in coming years.
Use the rate tables above to estimate your costs, then get quotes from at least three insurers. Virginia’s at-fault system and contributory negligence rule mean proper coverage isn’t just smart — it’s essential.