- 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%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Virginia Farm Bureau offers the most affordable car insurance at $1,167 per year.
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 learn how car insurance works in Virginia and how much you need.
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 help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal 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 policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage 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.
In Virginia, you can get state minimum car insurance for $428 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Virginia must be aware of the minimum insurance coverage requirements to stay compliant.
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
On average, premiums for full coverage car insurance in Virginia cost $1,469 per year for the 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.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
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 ( Full - 100/300/100)
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Estimate car insurance in Virginia by car model
In Virginia, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
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.
Find out how much you’ll pay for car insurance for your vehicle 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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Virginia drivers aged 30 to 60 have the lowest average auto insurance rates at $1,429 annually.
Drivers aged 16-19 pay $3,066 more for car insurance than Virginia drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,429 annually in Virginia.
- For senior drivers: Drivers aged 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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Virginia, a DUI conviction lead to increased rates and you may see a rate hike of up to 48% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Virginia, be prepared for your car insurance rates to rise by up to 36% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on 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, you can still save money by comparing insurance quotes.
Car insurance cost in Virginia for high-risk drivers
High-risk drivers in Virginia pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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 the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Virginia by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Virginia, along with their average 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 most expensive city in Virginia, with an average car insurance rate of $1,684 a year. Dayton is the cheapest city for Virginia drivers at an average rate of $1,206 annually.
Car insurance rates vary by city in Virginia for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
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?
Car insurance in Virginia costs an average of $122 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Virginia.
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.
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