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Virginia Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

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 CompaniesQuotes
Allstate$36
State Farm$45
Progressive$47
GEICO$81
Nationwide$88

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.

CityAvg. Monthly Rate
Alexandria$206
Arlington$179
Chesapeake$198
Fairfax$200
Henrico$191
Newport News$199
Norfolk$223
Richmond$210
Virginia Beach$194
Woodbridge$225

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.

AgeAvg. Monthly Rate
Teens$359
20s$235
30s$174
40s$182
50s$167
60s$144
70s$153
>80s$160

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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.

GenderAvg. Monthly Rate
Male$216
Female$206

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 StatusAvg. Monthly Rate
Married$191
Single$213

Minimum Car Insurance Requirements in Virginia

Virginia does not require automobile insurance, offering drivers to pay an Uninsured Motor Vehicle fee in lieu of coverage.

If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Virginia[1] are:

  • $30,000 per person for bodily injury
  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Virginia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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 HistoryAvg. Monthly Rate
Poor$201
Average$203
Good$209
Excellent$185

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 HistoryAvg. Monthly Rate
No Violation$190
At-Fault Accident$228
Speeding$216

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. See All Auto Insurance Companies

FAQs - Virginia Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

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Methodology

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.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Sources

  1. Virginia Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022