Average Car Insurance Cost in Virginia (2025)
Drivers in Virginia pay an average of $150 per month for car insurance.
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Written byTaylor Milam-Samuel
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Table of contents
Liability car insurance costs an average of $110 per month in Virginia. Coverage is cheaper than in most other U.S. states, and insurance prices mirror the state’s cost of living — less expensive than the average, but not by much.
The state’s moderate weather and low number of uninsured drivers help keep car insurance rates affordable. But, as in nearly every state in the country, auto insurance costs in Virginia have increased over the last two years.
Here’s how much drivers pay for coverage in Virginia.
Quick Facts
Car insurance in Virginia has increased by more than 60% during the last two years.
Drivers in Woodbridge pay some of the highest rates in the state, while drivers in Harrisonburg pay some of the lowest.
Auto-Owners, State Farm, and USAA have some of the cheapest rates in Virginia.
How much is car insurance in Virginia?
In Virginia, drivers pay an average of $110 per month for liability-only car insurance and $189 per month for full-coverage car insurance, according to Insurify data.
Liability coverage is cheaper and meets the minimum-coverage requirements for the state. It covers the other driver’s car repairs and medical expenses when you cause an accident. Full coverage costs more. It includes comprehensive and collision coverage, providing more protection which helps pay for your repairs in an accident.
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How Virginia car insurance rates have changed over the past two years
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To find car insurance rates in Virginia and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Virginia rose to $2,300 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Virginia.
See how Virginia car insurance prices have changed over the past two years below.
Average Virginia Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Virginia car insurance rates by city
Your location, down to your ZIP code, affects car insurance costs. This is because every area has unique crime, theft, and accident rates. For example, you’ll pay more if you live in a large city like Virginia Beach since there are more accidents and thefts. Rural drivers in places like Lynchburg usually pay less.[1]
The following table has the average car insurance costs for cities in Virginia.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Harrisonburg | $89 | $157 |
| Charlottesville | $93 | $167 |
| Lynchburg | $94 | $168 |
| Roanoke | $96 | $161 |
| Virginia Beach | $114 | $184 |
| Arlington | $116 | $194 |
| Chesapeake | $119 | $202 |
| Newport News | $119 | $193 |
| Alexandria | $128 | $208 |
| Portsmouth | $128 | $206 |
| Norfolk | $129 | $215 |
| Richmond | $129 | $217 |
| Woodbridge | $141 | $224 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Virginia (2025)
Average Virginia car insurance rates by age and gender
Your demographics, including your age and gender, affect your car insurance costs. For example, female drivers have fewer and less severe accidents, so they pay less for coverage than male drivers.
The same is true for age. Young drivers — especially 16-year-old drivers — have less experience and more accidents. As a result, they pay significantly more than the state average. Insurance policy costs decrease as you age, but you might see a slight increase sometime after retirement — usually around 70 years old — due to an increased accident risk.
Here are the average rates in Virginia based on age and gender.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $229 | $406 |
| 18 | $199 | $353 |
| 20 | $132 | $234 |
| 25 | $116 | $207 |
| 30 | $101 | $181 |
| 40 | $95 | $168 |
| 50 | $87 | $154 |
| 60 | $84 | $149 |
| 70+ | $93 | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $220 | $390 |
| 18 | $191 | $339 |
| 20 | $126 | $224 |
| 25 | $112 | $199 |
| 30 | $97 | $173 |
| 40 | $91 | $162 |
| 50 | $83 | $148 |
| 60 | $80 | $143 |
| 70+ | $89 | $153 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in Virginia
Car insurance companies also consider the make and model of your car when determining coverage costs. Because expensive cars cost more to repair, insurance also costs more. The car’s safety features and crash record also affect the price. Safer cars cost less to insure.
Virginia is a versatile state with big cities, high-powered Washington, D.C., suburbs, and rural areas. The state’s most popular vehicles include a high-priced electric vehicle and a large pickup truck — a reflection of the different aspects of the state.
The chart below shows the most popular vehicles in Virginia and the average cost of coverage for each car.
Vehicle | Average Monthly Quote |
|---|---|
| Tesla Model Y | $316 |
| Honda CR-V | $160 |
| Toyota RAV4 | $176 |
| Ford F-Series | $180 |
| Chevrolet Silverado | $191 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Virginia
Insurance companies use your driving record to measure risk. Drivers with a clean record receive the cheapest rates. If you have an at-fault accident, speeding ticket, DUI, or other violation on your driving record, you’ll pay more for car insurance.
Drivers with a violation are riskier to insure, so insurance companies charge more. The exact increase depends on the type of violation. Drivers with a DUI, for example, usually pay the most.
The table below shows rates for a Virginia driver with different incidents on their record compared to a driver with a clean record, who pays $144 per month.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $201 | 40% |
| With speeding ticket | $192 | 33% |
| With DUI | $230 | 60% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurers in Virginia can use credit-based insurance scores as a factor when calculating rates. Insurance companies use your credit history to figure out how likely you are to file a claim. A high score indicates you’re less likely to file a claim, so coverage costs less.
Drivers with excellent credit in Virginia pay an average of $130 per month for car insurance — nearly 25% less than drivers with poor credit.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $94 $167 Good $99 $176 Fair $100 $179 Poor $117 $207 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in Virginia
You can’t control some factors that affect your car insurance costs, but you can still find ways to lower your rate. The following strategies can decrease your costs:[2]
Bundle policies
Most insurance companies offer discounts for bundling different insurance policies, such as home and auto. If you haven’t already done so, consider switching your policies to the same company.
Shop around
Every insurance company has different pricing, even if the driver profile is exactly the same. Compare quotes from at least three insurers before making a decision. It’s one of the easiest ways to save money on coverage.
Ask about discounts
Car insurance companies offer discounts to stay competitive. Some popular discounts include good student, loyalty, and multi-car. You can often save up to 10%.
Consider pay-per-mile coverage
Some insurance companies offer pay-per-mile coverage. You pay a base rate and per-mile rate each month. It can be a good way to save if you’re a low-mileage driver.
Virginia average car insurance cost FAQs
Car insurance in Virginia is similar to the cost of living in the state — slightly cheaper than average, but not by much. Here’s what you need to know about coverage.
The average annual cost of car insurance in Virginia is $1,794. The average liability insurance cost is $1,322 per year, and full coverage is $2,266 per year.
The cheapest car insurance company in Virginia is Auto-Owners, with monthly liability rates averaging $34. You can also find affordable coverage from State Farm and USAA. Comparing quotes and asking about discounts can help you find the best deal.
Car insurance in Virginia costs an average of $150 per month. Liability coverage costs $110 per month, and full coverage costs $110. You might pay more or less depending on factors such as your ZIP code, driving history, age, gender, credit, and vehicle.
The best auto insurance companies in Virginia depend on your priorities. For example, you can find cheap car insurance from Auto-Owners. But USAA might be a better pick for military members. Nationwide, on the other hand, has solid pay-per-mile insurance.
In Virginia, you must have insurance that meets these minimum coverage requirements:[3]
$50,000 per person and $100,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
You can choose to add more coverage, like uninsured motorist coverage, for extra protection.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- III. "What determines the price of an auto insurance policy?."
- III. "Nine ways to lower your auto insurance costs."
- Virginia.gov. "§ 46.2-472. Coverage of owner's policy."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Taylor has been a contributor at Insurify since February 2023.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.