In Virginia, the average annual cost for full coverage car insurance is $1,134, while minimum coverage averages at $556. These rates mean Virginians pay $162 less for full coverage and $39 less for minimum coverage compared to the national average.
Average Cost of Car Insurance in Virginia
Updated: January 14, 2025
Advertising & Editorial Disclosure
Key Takeaways
Drivers in Virginia pay about 47% more for full coverage car insurance than the national average.
For minimum coverage, residents pay about 7% less than the national average.
In Virginia, full coverage costs around $1,134, and minimum coverage is about $556, making it one of the more affordable states for car insurance.
How Much Is Car Insurance in Virginia?
| Full Coverage | $1,134 | $1,296 | -12% |
| State Minimum Liability Only | $556 | $595 | -7% |
Read More: Average Cost of Car Insurance
Virginia Car Insurance Rates by Coverage Level
Your choice of coverage level changes your car insurance rate in Virginia. If you go for higher liability limits or full coverage, your rate goes up, but choosing a higher deductible can make your premium cheaper. Below are the average minimum coverage and full coverage rates in Virginia for policies with varying deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,266 | $500 |
| 100/300/100 | Full Coverage | $1,204 | $0 |
| 300/500/300 | Full Coverage | $1,197 | $1,000 |
| 300/500/300 | Full Coverage | $1,190 | $1,500 |
| 100/300/100 | Full Coverage | $1,134 | $1,000 |
| 100/300/100 | Full Coverage | $1,128 | $1,500 |
| State Minimum | Full Coverage | $1,114 | $500 |
| State Minimum | Full Coverage | $1,045 | $1,000 |
| State Minimum | Full Coverage | $1,038 | $1,500 |
| 300/500/300 | Liability Only | $784 | $0 |
| 100/300/100 | Liability Only | $691 | $0 |
| State Minimum | Liability Only | $556 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Virginia Car Insurance Cost by City
Car insurance rates in Virginia can change due to crime, traffic jams, stormy weather and the cost of health care or fixing cars. For instance, Alexandria's annual full coverage is $1,103, while Norfolk's is slightly higher at $1,142, and Virginia Beach offers a more affordable rate at $987. Below, we compare car insurance rates for Virginia cities to the state average.
| Alexandria | $1,103 | -42% | $569 | -48% |
| Arlington | $1,037 | -46% | $533 | -51% |
| Chesapeake | $1,008 | -47% | $517 | -53% |
| Hampton | $1,018 | -47% | $522 | -52% |
| Newport News | $994 | -48% | $510 | -53% |
| Norfolk | $1,142 | -40% | $575 | -48% |
| Richmond | $1,083 | -43% | $545 | -50% |
| Virginia Beach | $987 | -48% | $511 | -53% |
Average Virginia Car Insurance Cost by Age
In Virginia, your age can change how much you pay for car insurance. Young drivers are seen as riskier, so they often pay more. On average, 25-year-olds pay over 25% more for state minimum coverage and over 25% more for full coverage than 40-year-olds. Compared to 65-year-olds, they pay over 38% and 40%, respectively.
| 25 | $1,428 | $672 |
| 40 | $1,134 | $556 |
| 65 | $1,145 | $574 |
In most places, how old you are can change the cost of car insurance. But in California, Massachusetts, and Hawaii, your age doesn't affect what you pay.
Car Insurance Costs in Virginia for Young Drivers by Gender
In Virginia, young drivers typically face higher car insurance costs due to their increased risk of accidents. Drivers aged 18 to 25 pay about $1,611 annually when added to a family policy, which is 19% less than an individual policy at $1,921.
Gender also influences car insurance rates for Virginia's young drivers. Female drivers in this age group pay an average of $1,803 per year, which is $236 less than male drivers who pay $2,039. Below you'll find the average car insurance costs for individual and family policies for young drivers in Virginia, broken down by gender.
Car Insurance Costs in Virginia for Young Females
In Virginia, an 18-year-old female can be added to a family car insurance policy for an average of $1,818. Choosing an individual policy instead could raise rates by 41%, costing about $3,085.
| 18 | $3,085 | $1,818 | -41% |
| 19 | $2,304 | $1,967 | -15% |
| 20 | $2,000 | $1,706 | -15% |
| 21 | $1,636 | $1,407 | -14% |
| 22 | $1,496 | $1,464 | -2% |
| 23 | $1,397 | $1,367 | -2% |
| 24 | $1,326 | $1,297 | -2% |
| 25 | $1,178 | $1,154 | -2% |
Car Insurance Costs in Virginia for Young Males
An 18-year-old male in the Old Dominion pays about $3,606 for an individual full coverage policy. Joining a family policy drops the cost to $2,106, saving 42% annually.
| 18 | $3,606 | $2,106 | -42% |
| 19 | $2,702 | $2,266 | -16% |
| 20 | $2,319 | $1,946 | -16% |
| 21 | $1,849 | $1,563 | -15% |
| 22 | $1,663 | $1,628 | -2% |
| 23 | $1,529 | $1,495 | -2% |
| 24 | $1,427 | $1,396 | -2% |
| 25 | $1,218 | $1,195 | -2% |
Average Virginia Car Insurance Cost by Driving Record
In Virginia, traffic offenses may raise your car insurance premium by 5% to 33% over the state's average, depending on the violation. We've compared rates for drivers with at-fault accidents, speeding tickets and DUIs against those with a clean slate.
| At-Fault Accident | $1,729 | -9% | $835 | -24% |
| DUI | $1,801 | -6% | $864 | -21% |
| Ticket | $1,528 | -20% | $733 | -33% |
Read More: High-Risk Car Insurance in Virginia
Average Virginia Car Insurance Cost by Credit Score
In Virginia, your credit-based insurance score is key to determining car insurance costs. Drivers with excellent credit may pay around $962 for full coverage yearly, while those with poor credit could face rates as high as $1,950.
| Excellent | $962 | -50% | $392 | -64% |
| Good | $1,155 | -39% | $455 | -59% |
| Fair | $1,383 | -27% | $545 | -50% |
| Below Fair | $1,645 | -14% | $643 | -41% |
| Poor | $1,950 | 2% | $724 | -34% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 indicates financial reliability, potentially lowering insurance costs for Virginia drivers. However, using credit scores for insurance pricing is prohibited in Hawaii, Massachusetts, Maryland, California and Michigan. In states like North Carolina, Oregon, Washington, Utah and Nevada, credit scores are only considered in certain situations.
Average Virginia Car Insurance Cost by Company
Car insurance costs can vary a lot from one company to another. In Virginia, Virginia Farm Bureau has the most affordable average annual full coverage premium at $743. On the other end, Kemper's average is $2,184, slightly above the state average by 0.66%.
| Virginia Farm Bureau | $743 | $310 |
| Travelers | $822 | $394 |
| Nationwide | $847 | $646 |
| American Family | $911 | $343 |
| Auto-Owners Insurance Co | $927 | $463 |
| Cincinnati Insurance | $934 | $416 |
| GEICO | $1,013 | $498 |
| Erie | $1,088 | $482 |
| Progressive | $1,148 | $682 |
| Mercury | $1,177 | $456 |
| State Farm | $1,233 | $537 |
| Allstate | $1,248 | $667 |
| National General | $1,606 | $704 |
| Kemper | $2,184 | $1,184 |
Read More: Cheapest Car Insurance Companies in Virginia
Average Virginia Car Insurance Cost by Vehicle Age
In Virginia, newer cars often have higher insurance premiums because they're worth more and cost more to fix if damaged. The average yearly cost for full coverage on a new car is $1,197, while it's $968 for a vehicle that's 10 years old.
| 10-Year-Old Vehicle | $968 | $483 |
| New Model Vehicle | $1,197 | $451 |
ACTUAL CASH VALUE
The actual cash value (ACV) of your car is what your insurer deems it was worth right before any damage. For comprehensive or collision claims, the ACV is used to determine the maximum amount for repairs or replacement, minus the deductible, ensuring the payout reflects the car's fair market value.
Read More: Used Car Insurance
Virginia Car Insurance Rates Explained
In Virginia, car insurance rates often differ from the national average. Affordable plans are shaped by factors like your driving history, the car you drive and your credit-based insurance score. We'll help you understand what you might pay for full coverage or state minimum insurance.
Is Car Insurance Expensive in Virginia?
Car insurance in Virginia is expensive, with an average full coverage monthly cost of $95. Full coverage policies in the state are 12% less expensive than the national average.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Virginia vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Virginia Average Cost
Full Coverage Car Insurance
$95VA Car Insurance Is Expensive:$13 saved
This is 12% less expensive.
Why Are Car Insurance Rates Expensive in Virginia?
Virginia's car insurance rates reflect its bustling cities, higher living costs and weather risks. These factors lead to more claims and higher costs for minimum coverage, making premiums more expensive for residents.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Virginia
While Virginia's car insurance rates reflect averages due to demographics and laws, your rate depends on personal factors. To estimate your costs, consider your driving record, car model and credit score.
Driving Record
Keep your driving record free of violations and accidents to qualify for good driver discounts, potentially lowering your insurance rates.
Age and Gender
Younger drivers and males typically face higher rates. If you're in these groups, focus on safe driving and look for age-specific discounts.
Credit History
A higher credit score can lead to lower insurance premiums. Pay bills on time and reduce debt to improve your credit history.
Vehicle Type
Opt for a car with a strong safety record and lower repair costs. High-performance or luxury vehicles usually come with higher insurance rates.
Location
Living in areas with high theft rates or traffic congestion can increase premiums. Consider this when moving or storing your vehicle.
Coverage Level
Balance your need for protection with what you can afford. Higher deductibles can lower premiums, but increase out-of-pocket costs in a claim.
Marital Status
Married couples often receive lower rates due to perceived stability. Inform your insurer if your marital status changes.
State Law
Understand Virginia's insurance requirements to ensure you have the necessary coverage and can take advantage of any state-specific discounts.
Read More: Virginia Car Insurance Calculator
Minimum Car Insurance in Virginia
In Virginia, the average annual rate for state minimum coverage is $556, which is less than the national average of $595. One reason for this is the state’s relatively high minimum liability limits, which we break down below.
Virginia Car Insurance Requirements
In Virginia, drivers must have minimum coverage car insurance. This includes $25,000 for bodily injury per person, $50,000 per accident and $20,000 for property damage. You also need $25,000 coverage for uninsured/underinsured motorists per person and $50,000 per accident, plus $20,000 for their property damage.
Liability Limits | What It Covers |
|---|---|
$25,000 for bodily injury liability per person | Injuries caused to others in an accident |
$50,000 for bodily injury liability per accident | Multiple injuries in a single incident |
$20,000 for property damage liability per accident | Damages to another person's property |
$25,000 uninsured motorist bodily injury per person | Costs related to injuries if an uninsured driver causes an accident |
$50,000 uninsured motorist bodily injury per accident | Costs to cover injuries caused by uninsured drivers |
$20,000 uninsured/underinsured property damage coverage | Costs to cover property damage caused by uninsured driver |
How to Lower Car Insurance Costs in Virginia
To find affordable car insurance in Virginia, compare rates, raise your deductible and take advantage of all applicable discounts to reduce premiums.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help find the cheapest car insurance in your area, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A better credit score or clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums as insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing coverage needs ensures you're paying only for what you need. Consider increasing deductibles to lower costs or switching to usage-based policies if driving less.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a defensive driving course and bundling policies, as these can lead to drastically lower premiums.
- 5
Consider the Car You Drive
Driving a car with good safety ratings that’s less expensive to insure can lead to lower insurance costs in your region.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Virginia: Bottom Line
In Virginia, the average yearly cost for full coverage car insurance is $1,134, less than the national average. Factors like driving record, car model and coverage amount change rates. Overall, the state offers affordable car insurance options.
Virginia Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Virginia and how to find affordable rates.
What are the minimum car insurance requirements in Virginia?
In Virginia, the minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $20,000 for property damage. Additionally, coverage should be $25,000 per person and $50,000 per accident for uninsured/underinsured motorists, plus $20,000 for uninsured/underinsured property damage.
What is the average cost of full coverage and minimum coverage auto insurance in Virginia?
In Virginia, full coverage auto insurance averages $1,134 per year, while state minimum coverage costs about $556 annually.
What is the average cost of car insurance for a 25-year-old in Virginia?
The average cost of car insurance for a 25-year-old in Virginia is $1,428 for full coverage and $672 for state minimum coverage.
What are the cheapest car insurance companies in Virginia?
Virginia Farm Bureau offers the most affordable car insurance in Virginia, with rates as low as $310 annually for minimum coverage and $743 for full coverage.
Virginia Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Virginia:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Virginia:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $20,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $20,000 uninsured/Underinsured property damage coverage
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.