Discover essential tips to help you confidently choose car insurance in Virginia, ensuring you find the best deal.
Car Insurance Calculator Virginia
Updated: May 12, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Virginia will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Virginia can range anywhere from $570 to $1,297 per year depending on a variety of factors.
To get the best deal on Virginia car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Virginia Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
To ensure you don't end up with more coverage than necessary, determine your coverage level before purchasing. Consider factors like your location, driving habits, vehicle, and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Understand the average car insurance costs in Virginia for your chosen coverage and driver profile to see how much you can save. Look for auto insurance discounts you might qualify for to discuss further savings with agents.
Research the Cheapest Providers for You
After deciding on your coverage and researching costs, gather provider estimates before requesting quotes. This helps identify potential providers with the cheapest car insurance in Virginia for you. Utilize our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing providers in Virginia can lead to significant savings. Our research shows potential savings of up to 54% on full coverage and 57% on minimum coverage. Use comparison sites, brokers, insurer websites, and direct agencies to find the best prices.
Take Advantage of Virginia-Specific Programs
If you're a high-risk driver, Virginia offers driver improvement programs that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for less frequent drivers. Telematics insurance offers discounts based on good driving habits. Automaker insurance programs may offer cost savings and added benefits.
What Affects Your Virginia Car Insurance Estimates?
Your car insurance premium in Virginia is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Click the links below to learn more about how each affects rates particular to Virginia drivers:
How Much Does Provider Chosen Affect Virginia Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates in Virginia. Depending on the provider, your rates can drop 31% or increase by as much as 88% compared to the average for Virginia drivers.
| Lowest | Virginia Farm Bureau | $66 | $794 |
| Highest | Kemper | $182 | $2,184 |
How Much Does Age Affect Virginia Car Insurance Estimates?
Compared to other factors, age is the second most influential factor in determining your car insurance rates in Virginia. Rates can increase as much as 119% and decrease by up to 42% depending on what age you are. Car insurance premiums are highest when you are 16, decrease until you are 65, and then slightly increase after that point.
| Lowest | 40 | $97 | $1,159 |
| Highest | 16 | $430 | $5,156 |
How Much Does Credit Affect Virginia Car Insurance Estimates?
Credit score level influences car insurance rates in Virginia the third most when compared to other factors. The better your credit score is, the lower your car insurance rates will be. Rates can vary from $79 monthly to $162 per month on average for full coverage policies.
| Lowest | Excellent | $79 | $949 |
| Highest | Poor | $162 | $1,938 |
How Much Does Coverage Affect Virginia Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates. Rates vary from $570 per year for minimum coverage to $1,297 yearly for full coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $48 | $570 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $108 | $1,297 |
How Much Does Driving Record Affect Virginia Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Virginia with rates changing up to 17%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $97 | $1,159 |
| Highest | DUI - BAC >= .08 | $155 | $1,856 |
Virginia Car Insurance Calculator: Bottom Line
Before you use our car insurance calculator, we recommend checking out costs, coverage options, and companies. Get many quotes. Compare them with our estimates for your profile. This way, you'll find the best, most affordable plan for you.
Virginia Car Insurance Estimate: FAQ
Below you will find answers to common questions about Virginia car insurance costs and estimates.
What is used to determine Virginia car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Virginia car insurance on average?
Car insurance in Virginia averages between $33 per month for state minimum coverage and $95 monthly for full coverage.
How do I get the best car insurance in Virginia?
To secure the best car insurance in Virginia, evaluate your coverage needs, compare costs among providers and leverage tools like car insurance calculators for optimal rates.
Our Virginia Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds 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 five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.