Car Insurance After an Accident in Virginia: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Virginia increases insurance by 38%, raising full coverage from $1,662/year to $2,294/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$139/mo
After At-Fault Accident (+38%)
$191/mo
Cheapest Companies After Accident in Virginia
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $141/mo | $1,698/yr | Military families |
| Erie Insurance | $151/mo | $1,812/yr | Rate lock guarantee |
| GEICO | $157/mo | $1,881/yr | Clean driving record |
| Progressive | $168/mo | $2,019/yr | Telematics savings |
| State Farm | $174/mo | $2,088/yr | Good students |
| Travelers | $182/mo | $2,179/yr | Multiple discounts |
| Nationwide | $199/mo | $2,386/yr | Bundling home + auto |
| Farmers | $206/mo | $2,478/yr | Signal telematics |
| Allstate | $214/mo | $2,569/yr | Accident forgiveness |
| Liberty Mutual | $226/mo | $2,707/yr | New car replacement |
USAACheapest
Monthly
$141/mo
Annual
$1,698/yr
Best for: Military families
Erie Insurance
Monthly
$151/mo
Annual
$1,812/yr
Best for: Rate lock guarantee
GEICO
Monthly
$157/mo
Annual
$1,881/yr
Best for: Clean driving record
Progressive
Monthly
$168/mo
Annual
$2,019/yr
Best for: Telematics savings
State Farm
Monthly
$174/mo
Annual
$2,088/yr
Best for: Good students
Travelers
Monthly
$182/mo
Annual
$2,179/yr
Best for: Multiple discounts
Nationwide
Monthly
$199/mo
Annual
$2,386/yr
Best for: Bundling home + auto
Farmers
Monthly
$206/mo
Annual
$2,478/yr
Best for: Signal telematics
Allstate
Monthly
$214/mo
Annual
$2,569/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$226/mo
Annual
$2,707/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
✓ No spam calls · ✓ No personal info sold · ✓ Takes 2 minutes
How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses