Cheapest Full Coverage Car Insurance in Virginia | A Plus Insurance

Cheapest Full Coverage Car Insurance in Virginia

Get comprehensive protection at the most affordable rates in Virginia. Compare quotes from top providers and find the perfect balance of coverage and cost with our expert guidance.

I am CONSTANTLY having issues with my insurance company (ill save names, I cuss them out enough lol) but ANY time I call A Plus, they are able to handle and fix the issues I have with said company, pretty much immediately with no issues. More than 5 times I’ve had them be the middle man and my problems were resolved. I definitely recommend them, they are understanding and very nice and communicate well and handle issues in a insanely fast manner. Thank you guys!
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Tyler B.
9/01/2025

Working with Zee was seamless and quick! I got all my documents and information with no hassle. She is a joy to work with!
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david b.
9/30/2025

Exceptional customer service from Cameron. Was helped with promptness and professionalism. Was able to offer and compare quotes with me in a timely manner. I would recommend A Plus Insurance if you are looking for great customer service and affordable quotes!
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Ivy R.
2/03/2025
Needed last-minute coverage and Camron was extremely helpful. Found me the best rate and was very kind and friendly. Highly recommend!
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Parker L.
3/21/2025

Lauren, thanku so much for helping me find a payment plan that I could afford. I’m going through some hard times right now and you made such a huge difference in my life. I needed insurance and I didn’t have much money to do it. And thanks to you I am going to be able to continue doing my job, get caught up on my bills and still have the insurance that I need to be legal. YOUR MY HERO!! I appreciate you so much. THANK YOU!!
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Amanda L.
8/09/2025

Great customer service. I forgot to ask for his name. Great job. Every step of the way was an unbelievably effortless experience
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Colin B.
11/25/2024

Why Choose A Plus Insurance for Virginia Coverage

Best Rates Guaranteed

We shop multiple providers to find you the cheapest full coverage car insurance in Virginia. Our partnerships with top insurers ensure you get premium protection at minimum cost.

Virginia Expertise

Understanding local regulations is key to finding affordable coverage. We know Virginia’s specific requirements and how to meet them cost-effectively.

Full Coverage Specialists

From liability to comprehensive and collision, we ensure you get complete protection without paying for unnecessary extras. Get the right balance for your needs.

Virginia Full Coverage Car Insurance Requirements

While Virginia doesn’t mandate full coverage, lenders typically require it for financed vehicles. Here’s what comprises comprehensive protection:

Coverage Type	Minimum Requirement	Recommended for Full Coverage
Bodily Injury Liability	$25,000 per person / $50,000 per accident	$100,000 per person / $300,000 per accident
Property Damage Liability	$20,000 per accident	$100,000 per accident
Uninsured Motorist	$25,000/$50,000/$20,000	Match your liability limits
Comprehensive & Collision	Not required by state	Required by lenders, $500-$1,000 deductible

Cheapest Full Coverage Car Insurance in Virginia: Cost Comparison

Finding the cheapest full coverage car insurance in Virginia requires comparing rates from multiple providers. Here’s what drivers typically pay:

Insurance Provider	Average Monthly Rate	Annual Cost
GEICO	$115	$1,380
Progressive	$120	$1,440
State Farm	$125	$1,500
Dairyland	$130	$1,560
National General	$135	$1,620

These rates are for comparison only. Your actual rate for the cheapest full coverage car insurance in Virginia will depend on your driving record, vehicle, location, and coverage selections.

What Affects Your Virginia Insurance Rates?

Driving Record

Clean records get the cheapest rates. Even one ticket can increase your premium for the cheapest full coverage car insurance in Virginia by 20-40%.

Vehicle Type

Safe, moderately priced vehicles cost less to insure. Check our auto insurance guide for vehicle-specific tips.

Credit Score

Virginia allows insurers to use credit-based insurance scores. Better credit often means cheaper full coverage car insurance in Virginia.

Discounts for Cheaper Virginia Coverage

Maximize savings with these discounts on your cheapest full coverage car insurance in Virginia:

Discount Type	Typical Savings	How to Qualify
Multi-Policy	10-25%	Bundle with homeowners insurance
Safe Driver	10-30%	Clean driving record for 3+ years
Multi-Vehicle	10-25%	Insure multiple cars on one policy
Good Student	10-25%	Maintain B average or higher
Defensive Driving Course	5-15%	Complete approved course
Vehicle Safety Features	5-30%	Anti-theft, airbags, ABS, etc.

Cheapest Full Coverage Car Insurance in Virginia by City

Rates vary significantly across Virginia. Here’s how the cheapest full coverage car insurance in Virginia differs by location:

City	Average Monthly Rate	Compared to State Average
Richmond	$128	+5%
Virginia Beach	$125	+2%
Norfolk	$132	+8%
Chesapeake	$130	+6%
Arlington	$135	+10%
Roanoke	$118	-4%
Lynchburg	$115	-7%
Charlottesville	$120	-3%

Frequently Asked Questions

What exactly is “full coverage” car insurance in Virginia?

In Virginia, “full coverage” typically refers to a policy that includes state-required liability plus comprehensive and collision coverage. While not legally required, lenders mandate it for financed vehicles. It provides the most complete protection for your vehicle.

How can I get the cheapest full coverage car insurance in Virginia?

Compare quotes from multiple providers, maintain a clean driving record, take advantage of all available discounts, choose a higher deductible if possible, and consider bundling policies. Our agents at A Plus Insurance can help you navigate all these options.

Does Virginia require uninsured motorist coverage?

Yes, Virginia requires uninsured motorist coverage with minimum limits of $25,000 per person, $50,000 per accident for bodily injury, and $20,000 for property damage. This protects you if you’re hit by an uninsured driver.

Can I get full coverage on an older car in Virginia?

Yes, but it may not be cost-effective. As a rule of thumb, if your car’s value is less than 10 times the annual premium for comprehensive and collision coverage, you might consider dropping these coverages. We can help you evaluate this decision.

What’s the difference between comprehensive and collision coverage?

Collision covers damage from accidents with other vehicles or objects. Comprehensive covers non-collision incidents like theft, vandalism, weather damage, fire, or hitting an animal. Both are typically part of the cheapest full coverage car insurance in Virginia policies.

Related Insurance Services in Virginia

At A Plus Insurance, we provide comprehensive coverage solutions throughout Virginia and beyond:

SR-22 Insurance – Required for high-risk drivers
Motorcycle & RV Insurance – Protect all your vehicles
Business Insurance – Commercial coverage solutions
Homeowners Insurance – Bundle and save
Multiple Provider Access – We shop the market for you

Last Updated on December 22, 2025 by Brian Muse