If you are looking for auto insurance in Virginia, knowing how much it will cost is a promising idea. The average premium for car insurance in Virginia is $1,312 per year or $109 per month. While the national average is $1,682. There is a difference of $370 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Virginia, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Virginia per month

In Virginia, the average premium for car insurance is $109 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Virginia, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Virginia is Nationwide Ins Co of Am. The average annual cost is $779 while the average cost per month is $65. The second-best option available is, USAA, offering insurance at an average per month cost of $68.

The 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 cost
Nationwide Ins Co of Am$65$779
USAA$68$822
Main St Am Protection Ins Co$76$912
Erie Ins Exchange$84$1,008
Progressive Advanced Ins Co$85$1,017
Travelers Personal Sec Ins Co$86$1,027
State Farm Mutl Automobile Ins$89$1,072
GEICO Advantage Ins Co$95$1,141
Owners Ins Co$107$1,285
American Mercury Ins Co$110$1,319

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Virginia

The amount of coverage you purchase has an impact on how much car insurance costs in Virginia. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Virginia is $490.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Virginia is $1,312 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Virginia, the average annual cost for non-owner state minimum liability only is $337.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $470 per year in Virginia.

Coverage limitsAverage annual cost
50/100/50 Liability Only$490
100/300/100 Liability with $500 Comp/Coll Deductible$1,312
Non-Owner State Minimum Liability Only$337
State Minimum Liability Only$470

Average car insurance cost in Virginia by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Virginia:

CityAverage annual cost
Virginia Beach$1,302
Chesapeake$1,330
Norfolk$1,443
Richmond$1,417
Newport News$1,274
Alexandria$1,436
Hampton$1,330
Roanoke$1,215
Portsmouth$1,381
Suffolk$1,334

Average car insurance cost in Virginia by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Virginia is $2,522 while for seniors is $1,321. Here, the rate for young drivers is $1,201 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Virginia for young drivers

The average car insurance cost for female young drivers in Virginia is $2,341 per year or $195 per month and rate for a male young driver is $2,703 per year or $225 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 drivers
18$4,530$3,826
19$3,479$2,933
20$3,114$2,639
21$2,563$2,203
22$2,267$1,983
23$2,085$1,839
24$1,916$1,735
25$1,668$1,572

Average car insurance cost in Virginia for senior drivers

In Virginia, the cost of car insurance for senior female driver is $1,291 per year or $107 per month and cost of car insurance for male senior driver is $1,351 per year or $112 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,250$1,203
70$1,324$1,273
75$1,480$1,396

Read more about senior car insurance

Summary of average car insurance cost in Virginia
Average annual cost
$1,312
Average per month cost
$109
Average cost for state minimum coverage
$470 / Year
Cheapest car insurance company
Nationwide Ins Co of Am
($779/ Year)
Average cost for young drivers
$2,522 / Year
Average cost for Senior drivers
$1,321 / Year
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