Car Insurance with Bad Credit in Virginia (2026)
Quick Answer
Bad credit in Virginia increases car insurance by 52%, raising full coverage from $1,662/year to $2,526/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$139/mo
Poor Credit (1.52x)
$211/mo
Best Companies for Bad Credit in Virginia
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $156/mo | $1,869/yr | Military families |
| Erie Insurance | $166/mo | $1,996/yr | Rate lock guarantee |
| GEICO | $173/mo | $2,071/yr | Clean driving record |
| Progressive | $185/mo | $2,223/yr | Telematics savings |
| State Farm | $192/mo | $2,299/yr | Good students |
| Travelers | $200/mo | $2,400/yr | Multiple discounts |
| Nationwide | $219/mo | $2,627/yr | Bundling home + auto |
| Farmers | $227/mo | $2,728/yr | Signal telematics |
| Allstate | $236/mo | $2,829/yr | Accident forgiveness |
| Liberty Mutual | $248/mo | $2,981/yr | New car replacement |
USAACheapest
Monthly
$156/mo
Annual
$1,869/yr
Best for: Military families
Erie Insurance
Monthly
$166/mo
Annual
$1,996/yr
Best for: Rate lock guarantee
GEICO
Monthly
$173/mo
Annual
$2,071/yr
Best for: Clean driving record
Progressive
Monthly
$185/mo
Annual
$2,223/yr
Best for: Telematics savings
State Farm
Monthly
$192/mo
Annual
$2,299/yr
Best for: Good students
Travelers
Monthly
$200/mo
Annual
$2,400/yr
Best for: Multiple discounts
Nationwide
Monthly
$219/mo
Annual
$2,627/yr
Best for: Bundling home + auto
Farmers
Monthly
$227/mo
Annual
$2,728/yr
Best for: Signal telematics
Allstate
Monthly
$236/mo
Annual
$2,829/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$248/mo
Annual
$2,981/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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