The cost of car insurance in Virginia varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Virginia Farm Bureau offers the cheapest rates at $1,167 a year for full coverage.
We’ve compiled this detailed guide to help you choose the right car insurance in Virginia. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to get a clear idea of how car insurance in Virginia works and how much coverage you need.
- The average cost of car insurance in Virginia is $1,469 a year or $122 per month, based on our data analysis.
- Minimum liability coverage in Virginia costs around $428 annually for limits of 30/60/20, while liability-only coverage costs $477 per year for limits of 50/100/50.
- Virginia Farm Bureau provides the most affordable annual rates for full coverage car insurance in Virginia, costing $1,167 per year.
- In Virginia, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 36%, a DUI raising rates by 48%, and an at-fault accident by up to 50%.
How much is car insurance in Virginia?
CarInsurance.com data found that drivers in Virginia pay $122 monthly for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Virginia based on driver profile:
- Teen drivers in Virginia pay the most — about $375 a month or $4,495 a year.
- Young drivers in their 20s pay an average of $195 monthly or $2,337 annually, for car insurance.
- Senior drivers pay around $128 monthly or $1,535 a year.
- A speeding ticket can increase your rates to $166 monthly or $1,996 annually.
- An at-fault accident increases car insurance rates to $198 a month or $2,370 a year.
- Poor credit drivers usually see their car insurance costs increase to $258 monthly or $3,098 annually.
Average cost of auto insurance in Virginia by coverage level
Car insurance costs in Virginia can differ based on the coverage limit. To legally drive, Virginia residents must adhere to the minimum liability limits of 30/60/20.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Virginia, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Virginia car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $36 | $428 |
| Liability Only – 50/100/50 BI/PD | $40 | $477 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $122 | $1,469 |
State minimum car insurance in Virginia
Virginia laws mandate that all drivers carry insurance with minimum liability limits of $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident and $20,000 for property damage liability.
The state minimum coverage in Virginia costs $428 a year but doesn’t provide much protection for drivers. Virginia drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Virginia must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Virginia
According to CarInsurance.com data, liability-only car insurance costs $477 in Virginia for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Virginia
The average annual premium in Virginia is $1,469 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Virginia
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
This means that residents in higher-risk neighborhoods in Virginia have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Virginia
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Virginia by car model
Car insurers in Virginia use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
See how much you’ll pay for car insurance for your specific make and model in Virginia.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Virginia
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Virginia, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,429 annually.
Virginia drivers aged 16-19 pay $3,066 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,495 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,239 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,429 per year in Virginia.
- For senior drivers: Drivers age 65 and older can expect to pay $1,535 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Virginia
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Virginia, a DUI conviction often results in higher premiums and you may see an increase of up to 48% as insurers perceive you as a high-risk driver.
Similarly, if you get a speeding ticket in Virginia, you’ll likely see an increase in your car insurance premium by up to 36% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Virginia following driving incidents:
- Speeding ticket: Up to 36% increase
- DUI conviction: 48% increase
- At-fault accident (bodily injury and property damage): 50% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Virginia for high-risk drivers
In Virginia, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Virginia
In Virginia, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Virginia by getting quotes from different insurance companies.
Below are the details of Virginia car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Virginia Farm Bureau | $319 | $357 | $1,167 |
| Travelers | $382 | $419 | $1,169 |
| Erie Insurance | $331 | $371 | $1,288 |
| GEICO | $388 | $448 | $1,382 |
| Auto-Owners | $410 | $480 | $1,405 |
| State Farm | $390 | $441 | $1,479 |
| Allstate | $676 | $734 | $2,021 |
| Progressive | $612 | $656 | $2,120 |
| USAA | $344 | $390 | $1,192 |
Car insurance rates by city in Virginia
Springfield is the priciest city in Virginia for car insurance, costing an average of $1,684 annually. On the other hand, Dayton is the most affordable city, where drivers pay an average of $1,206 per year for car insurance.
Car insurance premiums differ across cities in Virginia and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Virginia.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Virginia per month?
The average cost of a full-coverage car insurance policy in Virginia costs $122 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $36 |
| Liability Only – 50/100/50 BI/PD | $40 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $122 |
Final thoughts on choosing car insurance in Virginia
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Virginia. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 30/60/20.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
