Virginia Auto Insurance Rates
Median premium: $595/6mo across 11 carriers and 1,214 ZIP codes.
Premiums range from $595 to $1,046 — a 1.8x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$595
per 6 months
ZIP Codes
1,214
with rate data
Carriers
11
rated in VA
Price Spread
1.8x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $428 | 1,214 ZIPs | 100% | |
| 2 | State Farm | $490 | 0 ZIPs | 0% | |
| 3 | Erie Insurance | $506 | 0 ZIPs | 0% | |
| 4 | Auto-Owners | $536 | 0 ZIPs | 0% | |
| 5 | GEICO | $595 | 0 ZIPs | 0% | |
| 6 | Farmers | $595 | 0 ZIPs | 0% | |
| 7 | Progressive | $625 | 0 ZIPs | 0% | |
| 8 | Nationwide | $654 | 0 ZIPs | 0% | |
| 9 | Travelers | $666 | 0 ZIPs | 0% | |
| 10 | Liberty Mutual | $684 | 0 ZIPs | 0% | |
| 11 | Allstate | $774 | 0 ZIPs | 0% |
1
$428USAA#1 in 1,214 ZIPs (100%)
2
$490State Farm#1 in 0 ZIPs (0%)
3
$506Erie Insurance#1 in 0 ZIPs (0%)
4
$536Auto-Owners#1 in 0 ZIPs (0%)
5
$595GEICO#1 in 0 ZIPs (0%)
6
$595Farmers#1 in 0 ZIPs (0%)
7
$625Progressive#1 in 0 ZIPs (0%)
8
$654Nationwide#1 in 0 ZIPs (0%)
9
$666Travelers#1 in 0 ZIPs (0%)
10
$684Liberty Mutual#1 in 0 ZIPs (0%)
11
$774Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Virginia
| City | Avg Median | ZIPs |
|---|---|---|
| Fredericksburg | $595 | 9 |
| Bowling Green | $595 | 2 |
| Brooke | $595 | 1 |
| Burgess | $595 | 1 |
| Burr Hill | $595 | 1 |
Most Expensive Cities in Virginia
| City | Avg Median | ZIPs |
|---|---|---|
| Dhs | $805 | 1 |
| The Plains | $805 | 1 |
| Waterford | $805 | 1 |
| Warrenton | $805 | 3 |
| Upperville | $805 | 2 |
ZIP Code Extremes
Most Expensive ZIP
$805/6mo
20598 (Dhs)
Cheapest ZIP
$595/6mo
22401 (Fredericksburg)
1.8x
Price Spread
The most expensive ZIP in Virginia costs 1.8x more than the cheapest. Your ZIP code matters more than you think.
Virginia Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Virginia
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Access ZIP-level rate data across all 11 carriers, 1,214 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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