In Virginia, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Virginia by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Virginia
In Virginia, Honda HR-V and Mazda CX-5 have the cheapest car insurance rates, followed by Volkswagen Tiguan and Honda CR-V, based on our research.
The table below highlights the most affordable vehicles to insure in Virginia, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda HR-V | $710 |
| Mazda CX-5 | $716 |
| Volkswagen Tiguan | $722 |
| Honda CR-V | $725 |
| Kia Seltos | $727 |
| Mini Cooper Electric | $736 |
| Volkswagen Taos | $737 |
| Subaru Forester | $742 |
| Chevrolet TrailBlazer | $743 |
| Ford Escape | $745 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Virginia
Insurance premiums can vary significantly by vehicle type. For instance, Minivan come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Virginia
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $814 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Nissan Versa, which costs $835, and the Volkswagen Jetta, which costs $843 to insure.
Below, you’ll find the most affordable sedans to insure in Virginia and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $814 |
| Nissan Versa | $835 |
| Volkswagen Jetta | $843 |
| Honda Civic Sedan | $851 |
| Mazda 3 Sedan | $872 |
| Nissan Sentra | $875 |
| Kia Forte | $878 |
| Honda Accord | $878 |
| Toyota Corolla | $880 |
| Toyota Camry | $883 |
| Volkswagen Jetta GLI | $889 |
| Hyundai Elantra | $909 |
| Chevrolet Malibu | $913 |
| Mitsubishi Mirage G4 | $920 |
| Hyundai Sonata | $933 |
| Nissan Altima | $938 |
| Kia K5 | $948 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Virginia
The Honda HR-V and Mazda CX-5 are the cheapest SUVs to insure in Virginia, with an average cost of $710 and $716 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $710 |
| Mazda CX-5 | $716 |
| Volkswagen Tiguan | $722 |
| Honda CR-V | $725 |
| Kia Seltos | $727 |
| Volkswagen Taos | $737 |
| Subaru Forester | $742 |
| Chevrolet TrailBlazer | $743 |
| Ford Escape | $745 |
| Subaru Crosstrek | $752 |
| Mazda CX-30 | $754 |
| Toyota Corolla Cross | $759 |
| Kia Sportage | $765 |
| Hyundai Kona | $766 |
| Chevrolet Equinox | $774 |
| Jeep Compass | $775 |
| Hyundai Tucson | $776 |
| Toyota RAV4 | $779 |
| Honda Pilot | $779 |
| Chevrolet Trax | $791 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Virginia
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $856.
The table below compares car insurance rates for different sports cars in Virginia
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $856 |
| Honda Civic Si | $857 |
| Honda Civic Type R | $989 |
| Chevrolet Camaro | $1,013 |
| Toyota GR Supra | $1,046 |
| Toyota GR86 | $1,069 |
| Ford Mustang | $1,077 |
| Subaru BRZ | $1,079 |
| Subaru WRX | $1,095 |
| BMW Z4 | $1,122 |
| Toyota GR Corolla | $1,176 |
| Nissan Z | $1,206 |
| Porsche 718 Boxster | $1,212 |
| Porsche 718 Cayman | $1,236 |
| Chevrolet Corvette | $1,281 |
| Chevrolet Camaro ZL1 | $1,321 |
| Jaguar F-Type | $1,553 |
| Chevrolet Corvette Z06 | $1,565 |
| Porsche 911 | $1,683 |
| Porsche 911 GT3 | $1,710 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Virginia
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $786, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Acura MDX at $886 and the Cadillac XT4 at $897.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $786 |
| Acura MDX | $886 |
| Cadillac XT4 | $897 |
| Mercedes-Benz GLA-Class | $898 |
| Lincoln Corsair | $899 |
| Acura Integra | $917 |
| Land Rover Range Rover Evoque | $922 |
| Lexus RX | $923 |
| Land Rover Discovery Sport | $928 |
| Volvo XC40 | $929 |
| Cadillac XT5 | $933 |
| Audi Q3 | $934 |
| Lexus NX | $950 |
| BMW X3 | $951 |
| Mercedes-Benz GLB-Class | $961 |
| Jaguar E-Pace | $962 |
| Volvo S60 | $966 |
| Volvo XC90 | $987 |
| Mercedes-Benz GLC-Class | $990 |
| Cadillac XT6 | $992 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Virginia
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,116 annually, which breaks down to $176 monthly.
The table below highlights the most affordable EVs to insure in Virginia, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $736 |
| Hyundai Kona Electric | $778 |
| Volkswagen ID.4 | $781 |
| Kia Niro EV | $809 |
| Subaru Solterra | $851 |
| Nissan Leaf | $881 |
| Hyundai Ioniq 5 | $897 |
| Audi Q4 e-tron | $905 |
| Hyundai Ioniq 6 | $911 |
| Chevrolet Silverado EV | $918 |
| Kia EV6 | $925 |
| Volvo XC40 Recharge | $927 |
| Toyota bZ4X | $931 |
| Ford Mustang Mach-E | $933 |
| Jaguar I-Pace | $947 |
| Ford F-150 Lightning | $947 |
| Chevrolet Blazer EV | $983 |
| Mercedes-Benz EQB | $990 |
| Nissan Ariya | $1,012 |
| Polestar 2 | $1,046 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Virginia
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $2,382 to insure a Kia Seltos, while insuring a Mazda CX-5 costs $2,443 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Virginia?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $736 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Hyundai Kona Electric is $778, according to our analysis.
Which SUVs are the cheapest to insure in Virginia?
The Honda HR-V is one of the cheapest SUVs to insure in Virginia, with an average cost of $710 for a six-month car insurance plan. The Mazda CX-5 and Volkswagen Tiguan also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Virginia?
The Kia Seltos, Mazda CX-5, Ford Escape and Chevrolet TrailBlazer are some of the cheapest cars to insure for an 18-year-old driver in Virginia. On the other hand, Maserati Quattroporte, Maserati Ghibli and Nissan GT-R are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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