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.
This comprehensive guide to buying car insurance for Virginia drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Virginia works and how much coverage you need.
- Virginia Farm Bureau provides the most affordable annual rates for full coverage car insurance in Virginia, costing $1,167 per year.
- In Virginia, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Virginia costs $428 annually for limits of 30/60/20, while liability-only coverage costs $477 per year for limits of 50/100/50.
- 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?
In Virginia, drivers pay an average of $122 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.
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 30/60/20 to drive legally.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Virginia. However, they don’t offer much 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.
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.
In the table below, see the car insurance premiums in Virginia for three different coverages.
| 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
In Virginia, minimum car insurance requirements include $30,000 of bodily injury liability per person, $60,000 of bodily injury liability per accident and $20,000 of 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 be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Virginia
The average cost of liability-only insurance in Virginia is $477 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Virginia
In Virginia, you can expect to pay around $1,469 per year for full coverage car insurance 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
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Calculate the cost of car insurance in Virginia
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living 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.
As a result, people living in higher-risk neighborhoods of Virginia have to pay more than those living where the risks are lower.
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.
Virginia Car Insurance Rates by ZIP Code
Estimate car insurance in Virginia by car model
Virginia car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper 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.
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
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.
Car insurance for drivers aged 16-19 costs $3,066 more annually than Virginia 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
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 48% because insurers see you as a risky 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.
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.
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 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.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $1,405 |
| State Farm | $1,719 |
| Travelers | $1,728 |
| Erie Insurance | $1,777 |
| USAA | $1,793 |
| Geico | $2,294 |
| Progressive | $3,294 |
| Allstate | $4,132 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via 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.
Compare the best car insurance options in Virginia by getting quotes from different insurance companies.
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 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 costs differ from city to city in Virginia, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Virginia’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Virginia Farm Bureau | $1,220 |
| USAA | $1,224 |
| Travelers | $1,251 |
| Erie Insurance | $1,336 |
| Geico | $1,366 |
| State Farm | $1,593 |
| Auto-Owners | $1,790 |
| Progressive | $1,932 |
| Allstate | $2,562 |
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.
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.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Virginia