Average Cost of Car Insurance Rates in Virginia (2022)

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Last Updated: January 2022

How Much Does Car Insurance Cost In Virginia?

On average, car insurance rates for drivers in Virginia are $207 per month, and $2485 per year. The average rates make Virginia the 25th most expensive state in the country for car insurance rates and 8% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $20750%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Virginia Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Virginia and has selected the following providers and quotes as the best rates for drivers in Virginia.

Cheapest Companies

Virginia Car Insurance Rates by City

For drivers in Virginia, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Virginia.
Newport News$199
Virginia Beach$194

What Is the Average Cost of Car Insurance in Virginia by Age?

At $359 per month, working teens might squeak out a car insurance payment and still have time for homework. Twentysomethings do a lot better; their rate is only $28 above the average for all Virginia drivers.

People in their 30s, 40s, and 50s see their car insurance prices continue to drop. And 60-year-olds pay $200 less per month than teenaged Virginians do.


What Is the Average Cost of Car Insurance in Virginia by Gender?

There's a $10 difference between rates for men and women in Virginia. Sure, men pay five percent more, but is that because women are safer drivers or because men drive more expensive vehicles? Data suggests that it’s most likely a little of both.


Does Marital Status Influence the Average Cost of Car Insurance in Virginia?

Married Virginians pay about $20 a month less than their single counterparts. That's enough to take a special someone out for a cheap date—or at least pay for a Netflix subscription.

Marital Status

What Are the Minimum Car Insurance Requirements in Virginia?

Virginians must carry insurance to cover the liability if they injure others or damage their property. The law says you must have $25,000 in bodily injury liability per person and $50,000 per accident, and $20,000 in property damage liability per accident. If you want to protect your vehicle, add comprehensive and collision coverage.


How Does Credit History Affect Virginia Car Insurance Rates?

Like most states, it’s perfectly legal in Virginia for insurance companies to factor in credit scores when calculating driver insurance rates. Insurance companies take credit score into account when determining car insurance costs because their data shows a correlation between accidents and poor credit.

Fortunately, the differences aren't overly drastic. It's actually the drivers with good credit who pay the most. One reason for that is because people with better credit finance more expensive cars. Moving from the good to excellent credit saves drivers an additional $300 per year.

Credit History

What Is the Average Cost of Car Insurance in Virginia for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Virginia will pay $25 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $37. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving History
No Violation$190
At-Fault Accident$228

Tips for Researching Virginia Car Insurance Rates

Virginia insurance prices and policies change by location, company, and driver. The Old Dominion State population putters toward growth, with a 6.7 percent hike in population in 2019. Does that mean insurance rates will also steadily rise? We hope not.

Virginia’s middle-of-the-pack insurance costs leave drivers looking for creative ways to save a buck. Try Insurify’s comparison tool to see 10+ real quotes and unlock savings and discounts. In less than two minutes, find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - Virginia Car Insurance

Why is car insurance so expensive in Virginia?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Virginia?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Virginia. Insurify analyzed the latest data for the five most populous cities in Virginia to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Virginia?

The way to find the carrier with the best auto insurance ratings in Virginia and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How much do annual auto insurance rates increase in Virginia?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.