Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Virginia Average car insurance cost in Virginia The average full coverage car insurance cost in Virginia is $1,837 annually, or $153 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Virginia, you can expect to pay an average of around $153 per month for full coverage car insurance, or $1,837 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $44 monthly or $528 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $1,837 Average per month cost $153 Average cost for state minimum coverage $538 / Year Cheapest car insurance company Travelers$1,213 / Year Average cost for young drivers $2,917 / Year Average cost for Senior drivers $1,870 / Year 012345 1 of 6 Average car insurance cost in Virginia Drivers in Virginia generally pay an average of $153 per month or $1,837 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $44 or $528 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in VirginiaTravelers has the cheapest rates, at an average annual cost of $1,213 or $101 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Virginia Farm Bureau also stands out for its affordable premiums, with an average cost of $101 per month or $1,216 annually.While these insurance companies have some of the lowest average rates in Virginia, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Virginia Graph Table Company nameAverage per month costAverage annual costTravelers$101$1,213Virginia Farm Bureau$101$1,216GEICO$132$1,581Erie Insurance$145$1,736Auto-Owners$165$1,979Allstate$208$2,490Progressive$210$2,525State Farm$211$2,529Farmers$443$5,319USAA*$98$1,181*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Virginia car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Virginia Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Virginia Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$828/year Liability coverage$949/year Full Coverage$2,151/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in VirginiaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $44 per month, or $528 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Virginia, the average cost for full coverage is $153 per month, or $1,837 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$528Liability only$538Full coverage$1,837Non-owner state minimum liability$378Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Virginia by citySee rates in your cityNorfolkVirginia Beach Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Virginia by cityCar insurance rates can vary widely depending on where you live, even within Virginia.Cities like Norfolk, Alexandria, or Portsmouth tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Roanoke or Newport News, with average annual premiums between $1,671 and $1,811.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costRoanoke$1,671Newport News$1,811Suffolk$1,812Virginia Beach$1,824Chesapeake$1,839Hampton$1,851Richmond$1,942Portsmouth$1,944Alexandria$2,063Norfolk$2,149Powered by:Average car insurance cost in Virginia by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Virginia for a full coverage policy based on your age and gender.Average car insurance cost in Virginia for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Virginia pay an average of $3,849 per year for car insurance, while females of the same age pay $3,357.But by the time you turn 25, insurance premiums drop to $2,223 a year on average for male drivers and $2,171 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,849$3,35721$3,216$2,85022$2,934$2,66623$2,753$2,54624$2,571$2,422Powered by:Average car insurance cost in Virginia for adult driversOn average, an adult male driver in Virginia pays $1,825 a year for full coverage or $152 per month. Women pay $1,833 a year or $153 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,223$2,17130$1,934$1,96435$1,864$1,90140$1,815$1,85845$1,793$1,83350$1,689$1,69155$1,636$1,62060$1,645$1,623Powered by:Average car insurance cost in Virginia for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,747 per year, while women pay $1,690. But by age 70, average premiums rise to $1,862 for men and $1,769 annually for women. At 75, rates increase even further – $2,169 for male drivers and $1,973 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,747$1,69070$1,862$1,76975$2,169$1,973Powered by:Minimum car insurance requirements in VirginiaWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Virginia can help you avoid fines and make smarter choices about your coverage.Drivers in Virginia must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $50,000Bodily injury per accident: $100,000Property damage liability: $25,000Cheapest cars to insure in VirginiaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda HR-V tops the list for cheapest car to insure in Virginia at an average cost of $1,419 a year, followed closely by Mazda CX-5 at $1,433 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumHonda HR-V$1,419Mazda CX-5$1,433Volkswagen Tiguan$1,444Honda CR-V$1,450Kia Seltos$1,453Mini Cooper Electric$1,472Volkswagen Taos$1,474Subaru Forester$1,485Chevrolet TrailBlazer$1,486Ford Escape$1,490Powered by:Most expensive cars to insure in VirginiaMaserati Quattroporte tops the list as the most expensive car to insure in Virginia, at an average annual cost of $5,036. Below is a list of the most expensive vehicles to insure in Virginia and their average annual premiums.Make ModelAverage annual premiumMaserati Quattroporte$5,036Maserati Ghibli$4,395BMW XM$4,019Audi S8$3,989Nissan GT-R$3,926Mercedes-AMG EQS$3,916Audi RS7$3,899BMW M8 Gran Coupe$3,884Audi RS6$3,882Porsche 911 Turbo$3,857Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident. We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in VirginiaCheapest car insurance companies in VirginiaAverage cost of car insurance by coverage levels in VirginiaAverage car insurance cost in Virginia by cityAverage car insurance cost in Virginia by ageMinimum car insurance requirements in VirginiaCheapest cars to insure in VirginiaMost expensive cars to insure in VirginiaMethodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453