How To Find the Best Car Insurance in Virginia

How To Find the Best Car Insurance in Virginia

How To Find the Best Car Insurance in Virginia

The top auto insurance provider in Virginia is Erie, which received great marks from our experts for price and customer satisfaction and an overall rating of 9.0 out of 10.

After taking into account its affordable average rates, practical discounts, and practical coverage enhancements, the Guides Auto team has determined that Erie Insurance is the finest auto insurance in Virginia.

State Farm, USAA, Travelers, Virginia Farm Bureau, and USAA are the other four companies in our top five. Find out why these companies are the best choices for Virginia auto insurance.

The best Virginia auto insurance

Our experts examined carriers based on reputation, availability, coverage, pricing, and customer experience to come up with the top five auto insurance companies in Virginia. Additionally, we looked at typical rates from Quadrant Information Services and performed customer surveys.

Our team interviewed close to 7,000 clients of vehicle insurance to grade companies on their level of customer service. Respondents to the survey were questioned about their general experience as well as their interactions with claims and agents.

Reliable customer service, affordable auto insurance rates, and a wide range of coverage options are all hallmarks of Erie Insurance. While it’s not offered everywhere, Virginians can get Erie auto insurance. Since 1925, Erie has provided insurance for a variety of vehicles, including automobiles, motorbikes, RVs, snowmobiles, and more.

Replacement of a new vehicle may be a handy insurance to have. If you total your automobile within five years of purchase, this option will pay to replace it with a new model of the identical car.

Additionally, Travelers provides named non-owner insurance. If you often rent cars or frequently use someone else’s automobile, this is a fantastic choice. When you don’t own the car, it offers liability coverage for you and your passengers.

In Virginia, Travelers has a solid reputation for providing excellent customer service, earning a score of 860 out of 1,000 in the J.D. Power Auto Insurance Study. In our customer survey, the organization received a score of 4.2 out of 5.0 for overall satisfaction.

Another excellent choice is Virginia Farm Bureau, which, according to our calculations, provides some of the state’s most cheap auto insurance. The Farm Bureau, which promotes Virginia’s agricultural sector, charges a $40 yearly membership fee. However, working in agriculture is not a need to join.

The fact that Virginia Farm Bureau employs regional agents in every county is much appreciated by many of its clients. As a result, you will always be able to contact someone in your region if you need to submit a claim or have a question.

Virginia Farm Bureau offers a wide range of coverage options in comparison to Farm Bureau insurance in other states. Of course, you may get all the typical choices, including liability, comprehensive, and collision. Beyond that, Virginia Farm Bureau provides a variety of enhancements, such as:

If you are in a car accident, customized equipment coverage can fix non-electric changes including special seats, carpets, and wheelchair lifts. It’s great that Virginia Farm Bureau provides this coverage because not all insurance providers do.

Virginia Farm Bureau has an A+ rating from the BBB, despite not being big enough to be included in any J.D. Power studies. The business has slightly over 40 reviews on Google, with an overall star rating of 4.0.

State Farm comes in last on our ranking of the top auto insurance providers in Virginia. According to the National Association of Insurance Commissioners, it is Virginia’s second-largest insurance provider (NAIC). That implies that it is a community favorite. State Farm provides a variety of coverage choices along with certain student and young driver-specific discounts and initiatives.

For drivers under 25, State Farm provides a course called Steer Clear®. A motorist can receive a 15% policy reduction if they successfully complete the program. With State Farm’s good student discount, a young driver who is a high school or college student and has good grades can save up to 25% on auto insurance.

There are other methods for senior drivers to save money. For instance, State Farm’s usage-based program Drive Safe & Save can reduce your rate by as much as 30%.

Reputation of State Farm’s Customer Service

State Farm has a high reputation for providing reliable customer service and a smooth claims process. In comparison to the industry average of 873 points, the firm got 882 out of 1,000 points in the J.D. Power 2022 U.S. Auto Claims Satisfaction StudySM. Customers’ perceptions of the claims procedure, including communication and repair delays, were explored in this poll.

State Farm had a satisfaction rating of 4.2 out of 5.0 in our customer satisfaction survey. This matched the average from our study, however the firm did receive higher marks than usual for agent service and affordability.

Car Insurance Comparisons

The only way to ensure that you get the finest coverage at the cheapest price is to compare providers. You won’t know whether there are better choices available if you just shop at one retailer. When shopping, we advise evaluating the coverage and costs offered by at least three different providers.