Virginia Car insurance calculator

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Car insurance pricing in Virginia depends on more than your ZIP code. Your vehicle, coverage level and driving history all play a role – and the difference between the cheapest and most expensive policies can be significant. Enter a few details below to get a quick estimate of your potential costs.

How to use our car insurance calculator to estimate your rates in Virginia

It only takes about a minute to get an estimate:

Select your car’s model year
Choose the make and model
Confirm Virginia as your state
Click ‘Get My Rates’ to view your estimate
Add more vehicles or click ‘Get quotes’ to compare real-time pricing

What affects your car insurance rate in Virginia?

Your car’s make, model, year and trim
Your location within Virginia
Your coverage level
Your driving history, credit score and vehicle storage

Does your vehicle model affect car insurance rates in Virginia?

A vehicle’s make and model can significantly impact car insurance rates. Make is the brand, while model is the specific vehicle you drive. For example, Honda is the make and Accord is the model.

Insurers consider repair costs, claim frequency and theft rates when pricing coverage. Even similarly priced vehicles can have very different insurance costs.

For example, full coverage for a Honda Accord LX costs $2,289 per year in Virginia, while a Honda CR-V averages $1,943 – a difference of $346.

A popular car doesn’t always mean cheaper insurance

High theft rates or expensive repairs can drive up premiums. Always check insurance costs before purchasing a vehicle.

Does your car’s model year affect insurance rates in Virginia?

Newer cars generally cost more to insure because they are more expensive to repair or replace.

In Virginia, insuring a 2024 Honda Accord LX costs $2,121, while the 2025 version costs $2,199.

However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high.

Check your state’s minimum coverage requirements

Each state sets minimum insurance requirements, including Virginia. To drive legally, you’ll need liability coverage that typically includes:

Bodily injury liability per person and per accident
Property damage liability

According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection. Not carrying the required coverage can lead to fines, license suspension and even vehicle impoundment.

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 city

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How does your car’s trim affect insurance rates in Virginia?

Insurance rates often vary based on your car’s trim. Trim is a version of a vehicle model with different features, equipment, or engine options, such as LX, EX, or Sport.

For example, in Virginia, full coverage for a 2024 Honda Accord LX costs $2,121 annually, while the Accord EX-L trim costs $2,251 – a difference of $130.

Premium features like advanced infotainment or high-end audio systems can increase rates by raising the vehicle’s value. Performance trims may also cost more due to higher accident risk.

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That upgrade can cost more than you expect

Moving to a higher trim can increase your insurance premium due to higher repair and replacement costs – not just the purchase price. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance.

How much does car insurance cost in Virginia?

The average cost of full coverage car insurance in Virginia is $1,835 per year, or $153 per month. While this is a helpful benchmark, your actual premium may differ depending on your car, coverage and personal profile.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$1,835	$153
Liability Only – 50/100/50 BI/PD	$706	$59
State Minimum BI/PD	$693	$58
Non-Owners	$549	$46

People also ask:

What is full coverage car insurance?

Full coverage car insurance includes liability, comprehensive, and collision coverage. It can also include protections like uninsured motorist coverage, medical payments, and other add-ons based on your needs and state requirements.

How do car insurance rates vary by city in Virginia?

Where you live within Virginia can have just as much impact on your premium as the coverage you choose. Insurers look at local traffic density, accident statistics, weather risks and theft rates when setting prices – which is why two drivers with identical profiles can pay very different amounts depending on their zip code.

Full coverage costs $2,104 per year in New Canton, compared to $1,531 in Blacksburg.

Top 20 cities with cheapest car insurance rates in Virginia

These cities have the lowest average premiums in the state, typically because of lower traffic volume, fewer claims and reduced risk overall.

City	Avg. Annual Premium	Avg. Monthly Premium
Blacksburg	$1,531	$128
Dayton	$1,531	$128
Harrisonburg	$1,548	$129
Christiansburg	$1,551	$129
Bridgewater	$1,556	$130
Mount Crawford	$1,558	$130
Pleasant Valley	$1,559	$130
Penn Laird	$1,566	$130
Hinton	$1,569	$131
Port Republic	$1,574	$131
Timberville	$1,583	$132
Broadway	$1,584	$132
Linville	$1,585	$132
Bergton	$1,588	$132
Lacey Spring	$1,589	$132
Singers Glen	$1,592	$133
Salem	$1,593	$133
Edinburg	$1,594	$133
Weyers Cave	$1,594	$133
Fulks Run	$1,598	$133

Top 20 cities with most expensive car insurance in rates Virginia

These cities carry the highest average premiums, driven by higher traffic density, accident rates and claim frequency.

City	Avg. Annual Premium	Avg. Monthly Premium
New Canton	$2,104	$175
Cumberland	$2,096	$175
Fleet	$2,092	$174
Amelia Court House	$2,084	$174
Columbia	$2,083	$174
Springfield	$2,077	$173
Dillwyn	$2,068	$172
Lincolnia	$2,066	$172
Arvonia	$2,061	$172
Mannboro	$2,059	$172
Cartersville	$2,058	$172
Powhatan	$2,057	$171
Callands	$2,055	$171
Jetersville	$2,051	$171
Buckingham	$2,033	$169
Wingina	$2,032	$169
Norfolk	$2,031	$169
Annandale	$2,029	$169
Goochland	$2,028	$169
Scottsville	$2,026	$169

If you’re moving within Virginia, check insurance rates before you go

A move from a rural area to a major city can add hundreds of dollars to your annual premium – even if nothing else about your profile changes.

Frequently asked questions

What is the average cost of car insurance in Virginia?

The average cost of full coverage car insurance in Virginia is $1,835 per year, or $153 per month. Your actual premium depends on your vehicle, coverage level, driving record and location.

How can I lower my car insurance premium in Virginia?

You can reduce your premium by comparing quotes from multiple insurers, increasing your deductible, bundling policies, maintaining a clean driving record and choosing a lower-risk vehicle. Discounts for safe driving, good grades or low mileage can also help.

Does my credit score affect car insurance rates in Virginia?

In many states, insurers use a credit-based insurance score when setting rates – higher scores often mean lower premiums. However, some states restrict this practice. Check whether Virginia allows credit to be used.

Sources:

Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026.

Estimate your Virginia car insurance cost with our calculator

Our Virginia car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

How to use our car insurance calculator to estimate your rates in Virginia
Does your vehicle model affect car insurance rates in Virginia?
Does your car's model year affect insurance rates in Virginia?
How does your car's trim affect insurance rates in Virginia?
How much does car insurance cost in Virginia?
How do car insurance rates vary by city in Virginia?
Frequently asked questions
Estimate your Virginia car insurance cost with our calculator