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 Gite Shivani Gite Shivani 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: November 6, 2025 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’re in Virginia, your monthly cost for full coverage car insurance is $153, which adds up to $1,837 per year. For minimum coverage, expect to pay an average of $44 monthly, or $528 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. 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 Average car insurance cost in VirginiaIf you live in Virginia can expect to pay an average of $153 per month for full coverage car insurance – that’s $1,837 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $44 monthly or $528 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in VirginiaIf you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $1,213 per year or $101 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Virginia Farm Bureau also provides affordable insurance rates in Virginia for a full coverage policy at an average annual insurance cost of $1,216 or $101 monthly.While these companies offer some of the lowest average premiums in Virginia, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. 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: 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 MinimumNA* Liability coverage$773/year Full Coverage$1,799/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? 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 - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in VirginiaYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $44 a month, or about $528 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Virginia pay around $153 per month, or roughly $1,837 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.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 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 cityWhere you live in Virginia can have a big impact on your car insurance rates.If you’re located in cities like Norfolk, Alexandria, or Portsmouth, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Roanoke and Newport News tend to pay much lower insurance premiums, between $1,671 and $1,811 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.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 ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Virginia for full coverage, depending on your age and gender.Average car insurance cost in Virginia for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Virginia, 20-year-old male drivers pay an average of $3,849 per year for car insurance, while their female counterparts pay $3,357 for the same coverage.However, by age 25, average car insurance costs drop to about $2,223 per year 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 driversAn adult driver aged 25-60 in Virginia pays $1,825 per year for full coverage, or $152 each month. Female drivers of the same age pay $1,833 annually or $153 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.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 driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $1,747 per year, and women pay $1,690.By age 70, those averages increase to $1,862 for men and $1,769 for women. At 75, premiums rise again, reaching $2,169 for male drivers and $1,973 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely 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 is one of the most expensive vehicles to insure in Virginia, with an average annual cost of $5,036.Below is a list of the costliest vehicles to insure in Virginia and their average 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:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver 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:Young drivers aged 20-24Adult drivers aged 25-26Senior 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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: 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 (844) 645-3330