Cheap Gap Insurance in Virginia (Find Savings With These 10 Companies in 2025)

The best providers of cheap gap insurance in Virginia are Progressive, Auto-Owners, and Nationwide. Progressive saves Virginia drivers the most money with low rates and competitive discounts.

These companies offer a perfect blend of affordability, extensive guaranteed auto protection (gap) insurance coverage options, and excellent customer service. Progressive, in particular, is highlighted for its competitive rates and robust discount programs.

Our Top 10 Company Picks: Cheap Gap Insurance in Virginia

Keep reading to discover why these providers are the top picks for cheap Virginia gap insurance. Find cheap gap insurance quotes now by entering your ZIP code above.

#1 – Progressive: Top Overall Pick

Pros

• Low Rates: Progressive offers some of the most competitive rates for gap insurance in Virginia, starting at $6 monthly.
• Usage-Based Insurance (UBI) Discounts: Multiple discounts, including savings through the Snapshot UBI program, can lower your gap insurance costs in Virginia.
• Easy Management: Explore our Progressive auto insurance review for strong customer service and gap insurance reviews in Virginia.

Cons

• Rate Increases: Premiums for gap insurance in Virginia may increase significantly after an accident.
• Eligibility Limits: Not all vehicles qualify for Virginia’s lowest gap insurance rates.

#2 – Auto-Owners: Cheap Full Coverage With Gap

Pros

• Cheap Full Coverage: Virginia gap insurance costs are affordable with Auto-Owners, especially full coverage starting at $8/month.
• Cheap for Students: Young drivers enrolled in Virginia schools can earn up to 20% off gap insurance rates.
• Reliable Service: With an A++ A.M. Best rating and stellar claims service reviews, Auto-Owners gap insurance in Virginia is among the best.

Cons

• Limited Availability: If you ever leave Virginia, you might not find Auto-Owners gap insurance in many other states.
• Limited Mobile Access: Auto-Owners mobile and online tools aren’t as streamlined as larger gap insurance companies in Virginia.

#3 – Nationwide: Cheapest Coverage Add-Ons

Pros

• Extensive Add-On Options: Nationwide offers extensive gap insurance coverage in Virginia, including benefits like vanishing deductibles.
• Flexible Coverage: Provides a wide range of gap insurance coverage levels to fit different needs and budgets in Virginia.
• Safe Driving Discounts: View our Nationwide auto insurance review for discounts that lower Virginia gap insurance rates.

Cons

• Higher Premiums: Gap insurance premiums in Virginia can be higher for some driving records than other providers.
• Varied Customer Service: Virginia gap insurance reviews are average to poor, and many drivers report more positive experiences with other companies.

#4 – State Farm: Best for Local Agents

Pros

• Personalized Service: Delve into our State Farm auto insurance review for local agents offering gap insurance in Virginia.
• Usage-Based Savings: The Drive Safe & Save program helps reduce gap insurance premiums in Virginia.
• Reliable Support: State Farm is known for dependable customer service and claims gap insurance handling in Virginia.

Cons

• Higher Costs: Gap insurance premiums in Virginia may be higher than those from online-only providers.
• Fewer Discounts: There are limited gap insurance discount opportunities in Virginia with State Farm compared to other companies.

#5 – Allstate: Best Discounts Available

Pros

• Broad Discounts: Allstate offers a wide range of discounts that can lower your gap insurance premiums in Virginia.
• Customer Service: Allstate has a strong reputation for customer support and claims assistance, specifically for gap insurance in Virginia.
• Flexible Coverage: See our Allstate auto insurance review for gap insurance coverage options in Virginia.

Cons

• Higher Base Premiums: Gap insurance premiums in Virginia can be higher without stacking multiple discounts.
• Complex Discount Structure: Navigating and qualifying for discounts on gap insurance in Virginia can be more complicated than other providers.

#6 – Liberty Mutual: Cheapest With Flexible Payments

Pros

• Flexible Payments: Liberty Mutual offers various payment plans for gap insurance in Virginia, making it easier to manage premiums.
• Customizable Coverage: Virginia drivers can tailor gap insurance to their needs based on our Liberty Mutual auto insurance review.
• Bundling Discounts: Multiple gap insurance discounts, including those for bundling with home or renters insurance in Virginia, are available.

Cons

• Higher Premiums: Virginia’s Gap insurance rates can be higher than those of some competitors.
• Customer Satisfaction: Mixed reviews on customer service and claims processing for gap insurance in Virginia.

#7 – USAA: Cheapest for Military Members

Pros

• Military Discounts: Find special savings on gap insurance in Virginia for military families in our USAA auto insurance review.
• Exceptional Service: USAA has the highest customer satisfaction ratings, especially for claims handling on gap insurance in Virginia.
• Comprehensive Coverage: USAA offers robust gap insurance options in Virginia, often at lower rates for eligible members.

Cons

• Eligibility Restrictions: Gap insurance in Virginia is only available to military members, veterans, and their families, limiting access for others.
• Limited Local Presence: There are fewer offices in Virginia for in-person assistance with gap insurance.

#8 – The Hartford: Best Senior Benefits

Pros

• AARP Discounts: In our The Hartford auto insurance review, you’ll find AARP discounts on gap insurance in Virginia.
• Senior-Focused Service: The Hartford tailors services and benefits to senior drivers seeking gap insurance in Virginia.
• Reputable Service: The Hartford has a strong track record in customer service, especially for older adults needing gap insurance in Virginia.

Cons

• Age-Specific Benefits: Only seniors with AARP memberships can buy The Hartford gap insurance in Virginia.
• Higher Rates: Virginia’s Hartford gap insurance premiums can be higher than other companies.

#9 – American Family: Cheapest Customizable Options

Pros

• Customizable Policies: Shop for a wide range of gap insurance options tailored to fit your specific needs in Virginia.
• Family Discounts: American Family offers discounts specifically aimed at families, including multi-policy savings on gap insurance in Virginia.
• Local Support: According to our American Family auto insurance review, local agents offer personalized gap insurance in Virginia.

Cons

• Premium Costs: Gap insurance premiums in Virginia may be higher without applying multiple discounts.
• Limited Availability: American Family isn’t as widely available as larger national insurers, so you might have to shop for gap insurance elsewhere if you leave Virginia.

#10 – Chubb: Best for Premium Service

Pros

• Top-Tier Coverage: Discover our Chubb auto insurance review for premium gap insurance in Virginia with luxury benefits.
• High Claim Satisfaction: Chubb is known for excellent claims service, especially for high-value vehicles requiring gap insurance in Virginia.
• Comprehensive Policies: Virginia’s Chubb gap insurance coverage options are ideal for those seeking maximum protection.

Cons

• Higher Costs: Chubb insurance rates for gap coverage in Virginia are typically higher, reflecting the luxury service.
• Limited Discounts: Chubb offers fewer discount opportunities for gap insurance in Virginia than other providers.

Balancing Virginia Gap Insurance Costs and Coverage

Minimum coverage options range from $6/month with Progressive, the cheapest gap insurance company in Virginia, to $18/month with Chubb.

Gap Insurance Monthly Rates in Virginia by Provider

USAA, known for its military-focused services, offers a balanced approach with coverage at $14. In Virginia, gap insurance rates vary significantly based on coverage level and provider. Understanding the auto insurance coverage will help you make an informed choice. Consider your vehicle’s depreciation rate and loan terms to determine the appropriate level of gap coverage.

One of the easiest ways to save on gap coverage is to compare rates from cheap pay-as-you-go auto insurance companies in Virginia. For instance, Progressive offers a Snapshot telematics program that lowers rates based on safe driving habits, while Nationwide offers SmartMiles that sets rates based on monthly mileage.

Understanding how to compare auto insurance quotes will ensure you get the best value for your gap coverage in Virginia. Keep reading for more ways to save on Virginia auto insurance.

How to Get Affordable Gap Insurance in Virginia

Here are some more effective tips when searching for cheap gap insurance in Virginia. By following these strategies, you can find affordable Virginia gap coverage that provides the protection you need while staying within your budget:

• Compare Multiple Providers: Always gather quotes from various insurance companies. This helps you identify the most competitive rates and comprehensive coverage options.
• Consider Telematics Programs: Some insurers, like Progressive Snapshot, offer cheap usage-based auto insurance that tracks and rewards safe driving habits.
• Evaluate Coverage Needs: Assess whether you need coverage, based on your vehicle’s depreciation rate and loan terms.
• Maintain a Good Credit Score: Insurers often consider your credit score when calculating premiums. A higher score can lead to lower insurance costs.
• Leverage Discounts: Take advantage of discounts based on your driving record, policy type, or occupation. Many providers offer significant savings when you qualify for these incentives.

Explore available discounts below, like multi-policy, safe driver, and vehicle safety features, which can significantly reduce your gap insurance premiums in Virginia.

Auto Insurance Discounts From the Top Providers for Gap in Virginia

Nationwide offers big safe driver discounts of up to 40%, more than other insurers on this list. Allstate also provides competitive good driver and low-mileage discounts, especially UBI discounts.

How Virginia Rates on Auto Insurance Risks

The table provides a graded overview of factors affecting auto insurance rates across the state. It rates the vehicle theft rate as ‘B’, indicating a moderate level that increases in urban areas. Weather-related risks also receive a ‘B’, generally reflecting mild conditions with occasional severe storms. The average claim size is similarly graded ‘B’, with costs rising in urban settings.

Virginia Report Card: Auto Insurance Premiums

Traffic density in Richmond and Northern Virginia scores a ‘C’, indicating congestion that impacts accident rates, a key factor that affects auto insurance rates. The uninsured driver’s rate, marked as ‘C-‘, highlights the high number of uninsured motorists, another significant factor influencing rates. These grades help insurers and policyholders assess coverage needs in Virginia.

Accident and Insurance Claim Trends in Virginia Cities

The table provides statistics on traffic accidents and insurance claims, which are key to understanding how to file a car insurance claim in Virginia. Annually, Chesapeake reports 5,500 accidents and 4,500 claims, while Newport News records 6,800 accidents and 5,600 claims, reflecting the frequency and potential need for such processes in these cities.

Virginia Accidents & Claims per Year by City

Norfolk has similar figures with 7,000 accidents and 5,800 claims annually. Richmond has significantly higher numbers, recording 15,000 accidents and 12,000 claims yearly. Virginia Beach also reports many traffic incidents and claims with 9,500 and 7,500 respectively. This data helps understand the frequency of traffic-related incidents and subsequent insurance claims within these urban areas.

Unlock Savings With Virginia’s Top Auto Insurance Discounts

The table lists discount types, savings, and participating providers. Multi-Policy and Safe Driver discounts offer 22% and 20% savings, respectively, from providers like State Farm, Nationwide, and Progressive. Good Student and Anti-Theft Device discounts provide 16% and 12% savings and are available from State Farm, Allstate, and Geico.

Virginia Report Card: Auto Insurance Discounts

The table highlights various auto insurance discounts, including those tailored for specific groups or driving behaviors like Military/First Responder and New Vehicle discounts, which offer smaller savings. This overview allows policyholders to identify potential savings with different insurers based on their eligibility for these discounts.

Maximizing Savings With the Best Virginia Gap Insurance Companies

Companies like Progressive, Auto-Owners, and Nationwide offer cheap gap insurance in Virginia. Competitive rates with ample discounts set these providers apart and make it possible to secure comprehensive coverage while keeping costs low.

Understanding how to lower your auto insurance rates can help you maximize savings. To find the best auto insurance rates for gap coverage in Virginia, it’s crucial to compare quotes from multiple providers.

Don’t forget to take advantage of discounts like safe driver, multi-policy, and vehicle safety features. Ready to find cheaper Virginia car insurance coverage? Enter your ZIP code below to begin.