How Much Is Car Insurance in Virginia? (2026)
Drivers in Virginia pay an average of $1,942 per year for car insurance.
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Written byCarley Clark
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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
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Quick Facts
The average total monthly cost of car insurance in Virginia is $162.
Auto-Owners is the cheapest car insurance company in Virginia, with an average monthly rate of $56 for liability coverage.
After years of rate increases, Virginia’s average premium began to level off in 2025.
How much is car insurance in Virginia?
The average cost of car insurance in Virginia is $207 per month, or $2,478 per year, for full coverage. Liability coverage averages $117 per month, or $1,405 per year.
Rates in Virginia are above the national average. They’re much lower than in Maryland, though, which has a higher population density.
North Carolina, on the other hand, has a population density similar to Virginia’s but much shorter commute times, leading to lower average rates.
Coverage Type | Average Monthly Quote | Average Annual Quote |
|---|---|---|
| State-minimum coverage | $117 | $1,405 |
| Full coverage | $207 | $2,478 |
Disclaimer: Table data is based on real-time Virginia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Minimum car insurance requirements in Virginia
As an at-fault state, Virginia car insurance requirements include bodily injury and property damage liability to cover damages you cause in an accident. All policies must also include uninsured/underinsured motorist coverage (UM/UIM).[1]
Below are the state’s minimum coverage limits:
Coverage Type | Virginia Minimum Requirement |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist coverage | Must match bodily injury liability limits and include a minimum of $20,000 for property damage |
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Liability policies average $117/mo.
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Cheapest car insurance companies in Virginia
The companies below offer the lowest average rates for liability-only coverage in Virginia. Liability insurance is the cheapest type of coverage because it only pays for damages you cause to others. It doesn’t include comprehensive and collision coverage, which protect your vehicle.
Even with Virginia’s minimum coverage limits rising in 2025, liability coverage is the most affordable way to meet state requirements.
The below rates in Virginia are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $56 |
| State Farm | $57 |
| USAA | $77 |
| Chubb | $85 |
| Erie | $87 |
| Mercury | $87 |
| Elephant | $88 |
| CSAA | $95 |
| GEICO | $104 |
| National General | $105 |
| Progressive | $105 |
| Bristol West | $108 |
| Allstate | $113 |
| Direct Auto | $115 |
| GAINSCO | $116 |
| Safeco | $119 |
| AssuranceAmerica | $128 |
| Trexis | $136 |
| Liberty Mutual | $138 |
| Insurify Car | $143 |
| Dairyland | $146 |
| The General | $147 |
| Root | $148 |
| Clearcover | $157 |
| Trexis One | $158 |
| Travelers | $161 |
| Hugo | $182 |
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.
Average Virginia car insurance rates by city
Norfolk and Richmond have the highest average car insurance rates in Virginia, while Winchester and Bristol have the lowest.
Population density is one of the primary reasons rates vary by city. Norfolk, which sits on the Elizabeth River, has 4,467 people per square mile — more than 20 times the state average, according to U.S. census data. Meanwhile, Richmond is also densely populated and sees crash rates more than twice the state average along Interstate 95.
On the other hand, Winchester (located in the Shenandoah Valley) has a lower population density. Its average commute time is also only 20 minutes, which is much shorter than Virginia’s average of 27 minutes. Less time on the road generally means less accident risk, contributing to lower rates.
The below rates in Virginia are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Bristol | $82 | $170 |
| Winchester | $87 | $159 |
| Christiansburg | $88 | $166 |
| Blacksburg | $93 | $173 |
| Charlottesville | $93 | $180 |
| Harrisonburg | $94 | $159 |
| Roanoke | $96 | $182 |
| Lynchburg | $100 | $182 |
| Leesburg | $109 | $183 |
| Fredericksburg | $115 | $205 |
| Stafford | $115 | $227 |
| Arlington | $122 | $200 |
| Suffolk | $123 | $226 |
| Reston | $124 | $202 |
| Herndon | $125 | $195 |
| Virginia Beach | $126 | $207 |
| Chesapeake | $129 | $218 |
| Hampton | $129 | $233 |
| Newport News | $134 | $233 |
| Alexandria | $139 | $238 |
| Woodbridge | $139 | $242 |
| Portsmouth | $140 | $253 |
| Norfolk | $144 | $257 |
| Richmond | $149 | $248 |
Disclaimer: Table data sourced from real-time Virginia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Virginia may vary based on the policy buyer's unique driver profile.
Average Virginia car insurance rates by age
Your age has a big effect on what you pay for car insurance coverage. Young drivers pay the highest rates — $220 per month for liability coverage — mostly because they have the highest crash risk of any age group. In fact, Virginia recorded an almost 19% increase in teen driver fatalities between 2023 and 2024.[2]
Rates tend to decline as you get older, though. Senior drivers pay $101 per month, on average, for liability coverage in Virginia. If you’re 55 or older, you can also complete a mature driver course for a three-year discount on your insurance policy.[3]
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Teens | $220 | $389 |
| Adults (40s) | $118 | $208 |
| Seniors | $101 | $180 |
Disclaimer: Table data is based on real-time Virginia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Virginia
Almost 6% of Virginia drivers have a ticket on their driving record, according to Insurify data — the sixth-highest rate in the country. Meanwhile, about 5% have an at-fault accident, and less than 1% have a driving under the influence (DUI) conviction.
Incidents on your driving record can raise your car insurance premiums by 23% to 31%, on average. The effects can last for 36 months in Virginia. High-risk drivers may face more serious consequences, such as a driver’s license suspension or an SR-22 or FR-44 filing requirement.[4]
Driving Record | Average Monthly Quote in VA | % Increase Compared to Clean Driving Record |
|---|---|---|
| Clean driving record | $160 | N/A |
| With speeding ticket | $196 | 23% |
| With accident | $210 | 31% |
| With DUI | $202 | 26% |
Disclaimer: Table data is based on real-time Virginia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What affects car insurance rates in Virginia?
Many factors affect car insurance costs in Virginia, including:
Population density: Virginia has 219 people per square mile, more than double the national average of 94, according to U.S. census data. A higher population density means more cars on the road, increasing accident exposure.
Auto theft: Virginia ranked No. 20 in the country for vehicle theft volume, according to National Insurance Crime Bureau data. More theft can increase the cost of comprehensive coverage.
Tropical storms and flooding: Virginia can see tropical storm activity, even inland. Tropical Storm Helene led to a 2024 federal disaster declaration for southwestern Virginia.
Higher minimum liability coverage requirements: Virginia’s liability limits are higher compared to those of many other states. Uninsured motorist coverage is also mandatory, which can drive up costs.
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How Virginia car insurance rates have changed over the past five years
Virginia car insurance rates rose 65% from the beginning of 2021 to the end of 2024. Riskier driving after the pandemic contributed to this increase, but rates also spiked after Virginia raised its minimum coverage requirements.
In 2025, the state finished phasing in the higher liability limits, and insurers’ financial standing had improved. As a result, Virginia finally saw rates begin to level off.
That said, tariffs could affect costs in 2026. Insurify projections show a small 1% increase by the end of the year.
See more
To find car insurance rates in Virginia and the U.S. over the last five years, download our data here.
How to lower car insurance costs in Virginia
Although auto insurance costs more in Virginia compared to the national average, the tips below could help lower your premium:
Ask about discounts. Insurers may offer savings for anti-theft devices, low annual mileage (less than 7,500 miles), and good grades, according to the State Corporation Commission (SCC). Many also provide a discount for bundling home and auto insurance.
Attend a driver-improvement clinic. Virginia offers a defensive driving course that you can complete every two years for a premium discount under state law.[5]
Look into the mature driver course. Virginia drivers 55 and older who complete an accident prevention course may qualify for a discount.
Shop around. Virginia has more than 1,700 licensed insurers, according to the National Association of Insurance Commissioners (NAIC). Comparing quotes, including those from regional insurers like Virginia Farm Bureau, can help you find the best rate.
Don’t choose based on price alone. Check financial stability and service reputation before selecting a company, per the SCC’s recommendation.
Virginia average car insurance cost FAQs
Virginia’s insurance market grew 87% from 2015 to 2024, according to the NAIC. The answers below can help you find the best car insurance in Virginia for your situation.
Why is Virginia car insurance so expensive?
Auto insurance rates in Virginia are higher than the national average for a few reasons. The state is densely populated, has more auto thefts, requires higher minimum liability limits, and faces exposure to flooding and tropical storms.
What insurer has the cheapest car insurance rates in Virginia?
Auto-Owners offers the cheapest car insurance in Virginia, with liability coverage averaging $56 per month.
Is $300 per month too much for car insurance in Virginia?
It depends. The average price of full coverage in Virginia is $207 per month, but your insurance premium may be higher depending on your ZIP code, age, vehicle type, driving history, and deductible. Comparing quotes can help you determine if you can get a lower rate.
Sources
- Virginia State Corporation Commission. "Virginia Consumer's Guide for Auto Insurance."
- Virginia Department of Motor Vehicles. "2024 Virginia Traffic Crash Facts."
- Virginia Law. "Reduction in rates for certain persons who attend mature driver motor vehicle crash prevention courses and driver improvement clinics."
- Virginia Department of Motor Vehicles. "Financial Responsibility Certifications."
- Virginia Department of Motor Vehicles. "Driver Improvement."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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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Carley ClarkInsurance Writer
5+ years experience in personal finance writing
Personal finance blogger
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego