15+ years in personal finance advising and writing
Holds Chartered Life Underwriter (CLU) designation
Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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If you’re a Virginia resident, you don’t pay the highest car insurance rates in the country, but you also don’t have the cheapest rates. For example, Virginians pay more than drivers in Pennsylvania but less than drivers in South Carolina.
The average cost of full-coverage car insurance in Virginia is $230 a month, and liability-only coverage is $151 a month on average. But your rates will vary by age, gender, marital status, driving record, and more.[1]
Quick Facts
Virginia car insurance costs an average of $191 a month.
Roanoke has the cheapest car insurance rates in Virginia.
Auto-Owners offers the cheapest car insurance policies in Virginia, at $49 a month for liability only and $76 a month for full coverage.
What’s the average cost of car insurance in Virginia?
The average cost of car insurance in Virginia is $230 per month for full coverage and $151 per month for liability-only coverage. Your rates will vary based on several factors, such as your driving record, age, gender, credit history, location, and more. Your situation is unique, and your rates might be above or below the state average.
If your rates are higher than average, you can make changes to your policy to lower your insurance costs. For example, consider raising your deductible or adjusting your coverage limits. If you modify your policy, make sure you can afford the higher deductible and the liability limits offer you sufficient protection for your vehicle and driving habits.
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Average Virginia car insurance rates by city
Car insurance rates can vary from city to city, even within the same state. For example, if you live in Newport News, your average monthly cost for full-coverage car insurance is the highest in the state, at $265 per month. Compare Newport News’ average rates to Roanoke’s, at $182 a month.
Rates vary by city because of factors including where you live and your commute time. Drivers in urban areas pay more than those in small towns because of higher rates of car theft, vandalism, and accidents. Where you park your car may also affect your rates in different cities.[1]
City
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Alexandria
$232
$154
Arlington
$217
$156
Chesapeake
$253
$157
Danville
$249
$131
Fredericksburg
$216
$186
Hampton
$249
$174
Lynchburg
$184
$134
Newport News
$265
$188
Norfolk
$264
$175
Richmond
$261
$190
Roanoke
$182
$121
Virginia Beach
$221
$146
Woodbridge
$244
$174
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.
Average Virginia car insurance rates by insurance company
If you’ve purchased car insurance before, you may know you can get quotes from three different car insurance companies and see three different rates. Even though these insurers may quote the same deductible and coverage limits, they’ll offer different rates based on the insurer’s underwriting formula.
For example, one insurer might charge you a higher rate for having a speeding ticket on your record than another. Insurers can also charge different rates based on how many claims they’ve paid in your area.
Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Auto-Owners
$76
$49
State Farm
$78
$50
USAA
$104
$67
GEICO
$104
$68
Erie
$119
$77
Travelers
$126
$88
Nationwide
$136
$118
Safeco
$148
$86
Elephant
$153
$112
Clearcover
$156
$102
Allstate
$164
$105
Midvale Home & Auto
$170
$104
Mercury
$188
$114
National General
$198
$123
Liberty Mutual
$210
$131
State Auto
$211
$91
Progressive
$216
$116
Direct Auto
$235
$168
CSAA
$309
$219
Dairyland
$311
$170
Bristol West
$329
$196
The General
$379
$227
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.
Average Virginia car insurance rates by age
One of the most significant factors insurance companies use to determine your car insurance rates is your age.[1] In Virginia, teens pay the most on average for car insurance, at $363 a month. Once drivers reach their 20s, rates decrease by 47% to an average of $194 a month and continue decreasing as they get older.
Independent insurance agent Oliver Smith, president of Smitherwood Insurance in Richmond, Virginia, explains why teen rates are so much higher. “Teenagers often face higher car insurance premiums due to their inexperience on the road and the higher risk they present to insurers," Smith says. "Parents should consider adding them to their existing policy, which is often cheaper than having them alone.”
The table below shows how average car insurance premiums in Virginia change with age.
Age Group
Average Monthly Quote
Teens
$363
20s
$194
30s
$178
40s
$160
50s
$142
60s
$130
70s
$130
80s
$135
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 Virginia car insurance rates by gender
Though there’s not a substantial difference, female drivers in Virginia pay less for their auto insurance than male drivers, according to Insurify data. Women are in fewer accidents than men, and the accidents they’re in are less serious. Women also have fewer DUI arrests than men. Because of this, women tend to pay less for auto insurance.[1]
The table below shows the average cost of full-coverage and liability-only policies in Virginia based on gender.
Gender
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Male
$239
$158
Female
$221
$145
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.
Average Virginia car insurance rates by marital status
Married people pay less for car insurance than single people in Virginia, according to Insurify data. The average cost of a full-coverage policy for a single driver in Virginia is $235 a month, which is about 24% higher than married drivers’ average rate, which is $190 a month.
First, married drivers can combine their auto policies with one insurer, which may get them a multi-car discount. Second, homeowners who bundle their auto insurance with the same insurer can also receive an additional discount on their car insurance.
Here are the average car insurance rates in Virginia by marital status.
Marital Status
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Single
$235
$153
Married
$190
$115
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.
Average Virginia car insurance rates by driving record
Car insurance premiums tend to increase after a DUI conviction, accident, or speeding ticket.[2] In Virginia, drivers with DUIs on their driving records pay nearly twice as much for car insurance as drivers with clean records.
Driver Record
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Clean record
$206
$145
With accident
$295
$207
With speeding ticket
$277
$194
With DUI
$411
$289
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.
Average Virginia car insurance rates by credit score
Like most states, Virginia allows insurance companies to factor in your credit history when calculating your insurance rates.[3] Insurance companies found a link between a low credit score and increased risk.[4] In other words, the lower your credit score, the higher your car insurance premium will be.
Credit Tier
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
Poor
$356
$235
Average
$230
$151
Good
$209
$138
Excellent
$177
$117
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.
Virginia minimum car insurance requirements
Virginia requires all drivers to either carry car insurance or pay an uninsured motor vehicle fee of $500 per year. If drivers choose to purchase insurance, they need minimum liability limits of 30/60/20, which translates to:[5]
$30,000 per person for bodily injury liability
$60,000 per accident for bodily injury liability
$20,000 for property damage
These limits are slightly higher than many other states’ minimum liability requirements. However, liability limits may not be enough to protect you financially in the event of a serious accident that injures other people or damages a newer vehicle. Assess your personal situation to determine if you need full-coverage insurance or if liability-only limits are best for you.
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Virginia car insurance FAQs
Many questions arise for people buying car insurance. For more information on car insurance in Virginia, check out Insurify’s guides on FR-44 insurance and how to lower your car insurance.
What is the average cost of car insurance in Virginia?
The average cost of car insurance in Virginia is $230 per month for full coverage and $131 per month for liability-only protection, according to Insurify data.
What factors affect car insurance costs in Virginia?
Factors that affect car insurance costs in Virginia include your age, gender, marital status, credit history, location, and driving record.[1]
Do car insurance rates vary by county in Virginia?
Car insurance can vary by county in Virginia, even in different ZIP codes in the same county. Location is one of the primary factors for insurers when calculating car insurance rates.[1]
What are the best auto insurance companies in Virginia?
State Farm, USAA, and GEICO are three of the best car insurance companies in Virginia. However, the best insurer for you will depend on available coverages and price, so compare quotes from at least three different companies before buying a policy.
Is car insurance required in Virginia?
Car insurance isn’t required in Virginia if you pay an annual Uninsured Motor Vehicle Fee of $500. But this would leave you with no financial protection if you’re liable in an accident. Drivers who choose to purchase coverage must have 30/60/20 minimum limits for car insurance, which translates to $30,000 per person and $60,000 per accident in bodily injury liability and $20,000 for property damage liability.[5]
Having spent more than 15 years helping people plan their lives financially, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
