- The average cost of car insurance in Virginia is $1,835 a year or $153 per month, based on our data analysis.
- Minimum liability coverage in Virginia costs around $689 annually for limits of 50/100/25, while liability-only coverage costs $702 per year for limits of 50/100/50.
- Virginia Farm Bureau Insurance provides the most affordable annual rates for full coverage car insurance in Virginia, costing $1,240 per year.
- In Virginia, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 31%, a DUI raising rates by 92%, and an at-fault accident by up to 68%.
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 Insurance offers the cheapest rates at $1,240 a year for full coverage.
This guide makes buying car insurance in Virginia easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Virginia works and how much coverage you need.
How much is car insurance in Virginia?
In Virginia, drivers pay an average of $153 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
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 $518 a month or $6,221 a year.
- Young drivers in their 20s pay an average of $250 monthly or $2,994 annually, for car insurance.
- Senior drivers pay around $158 monthly or $1,897 a year.
- A speeding ticket can increase your rates to $200 monthly or $2,404 annually.
- An at-fault accident increases car insurance rates to $257 a month or $3,079 a year.
- Poor credit drivers usually see their car insurance costs increase to $317 monthly or $3,803 annually.
Average cost of auto insurance in Virginia by coverage level
In Virginia, car insurance rates can differ depending on how much coverage you choose. Drivers in Virginia are required by law to have minimum insurance coverage limits of 50/100/25 to drive legally.
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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Virginia for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $57 | $689 |
| Liability Only – 50/100/50 BI/PD | $59 | $702 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $153 | $1,835 |
State minimum car insurance in Virginia
Virginia laws mandate that all drivers carry insurance with minimum liability limits of $50,000 for bodily injury liability per person, $100,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Virginia, you can get state minimum car insurance for $689 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 $702 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 $1,835 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)
Speak with a friendly agent and get your quote in minutes!
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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
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 $1,786 annually.
Virginia drivers aged 16-19 pay $4,435 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 $6,221 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,854 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,786 per year in Virginia.
- For senior drivers: Drivers age 65 and older can expect to pay $1,897 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Virginia
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Virginia can increase your premiums by up to 92% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Virginia, you’ll likely see an increase in your car insurance premium by up to 31% 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 is how much your car insurance rate increases in Virginia after driving incidents:
- Speeding ticket: Up to 31% increase
- DUI conviction: 92% increase
- At-fault accident (bodily injury and property damage): 68% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Virginia for high-risk drivers
In Virginia, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or 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
Drivers in Virginia can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Virginia by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Virginia and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Virginia Farm Bureau Insurance | $467 | $477 | $1,240 |
| Travelers | $551 | $560 | $1,403 |
| GEICO | $567 | $585 | $1,623 |
| Erie Insurance | $530 | $535 | $1,733 |
| Allstate | $958 | $964 | $2,310 |
| State Farm | $1,107 | $1,147 | $2,532 |
| Progressive | $881 | $890 | $2,660 |
| USAA | $450 | $462 | $1,180 |
Car insurance rates by city in Virginia
Norfolk is the priciest city in Virginia for car insurance, costing an average of $2,031 annually. On the other hand, Roanoke is the most affordable city, where drivers pay an average of $1,673 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.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Virginia’s largest cities.
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 $153 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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $57 |
| Liability Only – 50/100/50 BI/PD | $59 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $153 |
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 April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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 50/100/25.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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