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Virginia

Virginia Car Insurance Rates


Virginia cities surrounding Washington, D.C., pay much higher car insurance rates than the rest of the state. You can see how all Virginia ZIP codes compare by clicking around the map below. No matter what neighborhood you live in, though, you"ll find that different car insurance companies will charge the same driver very different state car insurance rates.

Virginia car insurance requirements

Virginia state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $20,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Uninsured/underinsured motorist property damage $20,000

Virginia Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Virginia
  • 22204: $1,437
    ARLINGTON
  • 22214: $1,421
    ARLINGTON
  • 22150: $1,419
    LEE
  • 22206: $1,416
    ALEXANDRIA
 
Cheapest Neighborhoods
In Virginia
  • 22652: $930
    ASHBY
  • 22664: $948
    JOHNSTON
  • 24085: $955
    BUCHANAN
  • 22644: $956
    DAVIS


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What you need to know about car insurance in Virginia

Penny Gusner
CarInsurance.com
Consumer Analyst

To drive legally, Virginia mandates every motorist have at least $25,000 in bodily injury liability coverage ($50,000 per accident) and $20,000 to pay for property damage. Virginia also requires drivers to buy uninsured and underinsured motorist coverage, both for bodily injury and property damage.

Virginia has stringent speeding laws. For example, a conviction for speeding above 80 mph can be considered reckless driving -- a six-point offense -- and stay on the driver"s motor vehicle record for 11 years, long after the points have disappeared.

A "super speeder" law added fines of as much as $1,050 to tickets before that provision of the law was repealed in 2008.

Bank some safety points: For every year without incident, a Virginia driver can accumulate a "safety point" that offsets a demerit point. Drivers can also get an additional safety point for taking a defensive driving class. In total, you can"t accumulate more than five, though.

Pay $500 a year and drive anyway: Virginia has an unusual "Uninsured Motor Vehicle" fee that allows a car owner to register an uninsured vehicle and drive at his or her own risk. The owner is still legally liable for any damages he or she causes.

Electric vehicle tax: To make up for lost gasoline tax revenue, owners of electric vehicles face an additional $50 cost at registration time.