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 premium for car insurance in Virginia is $1,469 per year or $122 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified 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. Understanding potential costs is essential when seeking auto insurance in Virginia. On average, car insurance in Virginia costs $1,469 annually or $122 monthly. This figure contrasts with the national average of $1,682, showcasing a variance of $426 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Virginia, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget.Summary of average car insurance cost in VirginiaAverage annual cost $1,469Average per month cost $122Average cost for state minimum coverage $428 / YearCheapest car insurance company Virginia Farm Bureau($1,167 / Year)Average cost for young drivers $2,337 / YearAverage cost for Senior drivers $1,535 / Year Key Takeaways Based on Insure.com’s in-depth data analysis, car insurance in Virginia costs $1,469 per year.In Virginia, the average premium for car insurance is $122 per month.At $1,167 a year, Virginia Farm Bureau has the cheapest car insurance rates in Virginia. Average car insurance cost in Virginia per monthIn Virginia, the average monthly rate for car insurance is $122.This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Virginia, it’s advisable to obtain quotes from multiple companies.Cheapest car insurance companies in VirginiaThe table below lists the other available car insurance companies which offer car insurance in Virginia, along with their average cost per month and average annual cost.Company nameAverage per month costAverage annual costVirginia Farm Bureau$97$1,167Travelers$97$1,169Erie Insurance$107$1,288Geico$115$1,382Auto-Owners$117$1,405State Farm$123$1,479Allstate$168$2,021Progressive$177$2,120USAA$99$1,192Read our guide to cheap car insurance companies Virginia car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Virginia Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,575/Year OR $131/month Virginia Get Quote Get Quote 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 - + *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 2023 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. Average cost of car insurance by coverage levels in VirginiaThe extent of coverage you opt for directly influences the cost of car insurance in Virginia. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Virginia would be $477.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Virginia amounts to $1,469.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Virginia, the average annual cost for non-owner state minimum liability coverage stands at $290.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $428 annually in Virginia.Coverage limitsAverage annual costState Minimum BI/PD$428Liability Only – 50/100/50 BI/PD$477Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,469Non-Owners$290Auto 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 cityChesapeakeNewport NewsNorfolkRichmondVirginia BeachAverage car insurance cost in Virginia by cityYour car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.The table below depicts the top popular cities in Virginia:CityAverage annual costAlexandria$1,586Chesapeake$1,465Hampton$1,476Newport News$1,447Norfolk$1,607Portsmouth$1,539Richmond$1,552Roanoke$1,338Suffolk$1,446Virginia Beach$1,457Average car insurance cost in Virginia by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Virginia is $2,337, whereas for seniors, it’s $1,535. The rate for young drivers surpasses that of senior drivers by $802.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Virginia for young driversFor female young drivers in Virginia, the average annual car insurance cost is $2,227, and $186 per month. Conversely, male young drivers face an average annual rate of $2,446, and $204 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,076$2,70221$2,563$2,29522$2,334$2,13523$2,205$2,05024$2,054$1,952Average car insurance cost in Virginia for senior driversFor senior female drivers in Virginia, the annual cost of car insurance is $1,481, or $123 per month. Similarly, male senior drivers face an annual insurance rate of $1,587, or $132 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,393$1,36470$1,533$1,45475$1,820$1,625Read more about senior car insuranceMinimum car insurance requirements in VirginiaEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Virginia Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Virginia:Bodily injury per person: $30,000Bodily injury per accident: $60,000Personal property coverage per person: $20,000Cheapest cars to insure in VirginiaThe Honda HR-V has the most affordable average annual insurance premium, standing at $1,177. The Kia Seltos is followed closely at $1,192 per year. The difference in the cost of insuring these two models is $15 annually.MakeModelAverage annual premiumHondaHR-V$1,177KiaSeltos$1,192VolkswagenTaos$1,193MazdaCX-30$1,196ChevroletTrailBlazer$1,197SubaruForester$1,204VolkswagenTiguan$1,212MazdaCX-5$1,226HyundaiVenue$1,227ToyotaCorolla Cross$1,241Most expensive cars to insure in VirginiaThe most expensive car to insure on the list is the Maserati Quattroporte Trofeo, which has an average annual premium of $4,335. However, the difference between the cheapest and most expensive cars to insure is $3,158 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$4,335MaseratiQuattroporte$4,276MaseratiGhibli Trofeo$3,687BMWI7$3,630MaseratiLevante Trofeo$3,579MercedesS Class$3,496PorscheTaycan GTS$3,494MaseratiGhibli$3,492DodgeCharger SRT$3,469AudiRS6 Avant$3,468MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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 a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Virginia Non-owner auto insurance in Virginia Average renters insurance cost in Virginia Average homeowners insurance cost in Virginia Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Virginia per monthCheapest 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 age of the driverMinimum car insurance requirements in VirginiaCheapest cars to insure in VirginiaMost expensive cars to insure in VirginiaMethodology ZIP Code Please enter valid ZIP See rates