Virginia Insurance Agencies by County

How to Lower Your Car Insurance in Virginia (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Virginia? Whether you’re commuting in Northern Virginia, driving I-95 and I-81, or navigating rural roads and mountain passes, there are proven ways to keep premiums down. This overview explains how Virginia insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Virginia Score You

• Driving history – Accidents, tickets, DUIs, and claims history impact rates.
• Insurance score – Credit-based insurance scoring is commonly used.
• Location – Rates vary by county based on traffic density and claim frequency.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles often reduce premiums.

10 Ways to Lower Your Car Insurance in Virginia

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Verify all available discounts.
7. Consider liability-only coverage for older vehicles.
8. Choose vehicles with strong safety ratings and lower repair costs.
9. Avoid coverage lapses.
10. Re-shop policies every 6–12 months.

Virginia Minimum Auto Insurance Requirements

Virginia allows drivers to either carry minimum liability coverage of 30/60/20 or pay the uninsured motor vehicle (UMV) fee. Many drivers choose higher limits for better protection.

Deer Collisions, Storms, and Comprehensive Coverage

Virginia drivers often face deer collisions, hail, wind damage, and occasional winter weather. Comprehensive coverage can help protect your vehicle from non-collision losses such as theft, vandalism, falling objects, storm damage, and animal impacts.

Use the county selector above to explore local insurance agencies in your area and compare options side-by-side.