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The average cost of insurance in Reston, Virginia, is $127 per month for state-minimum coverage and $179 for a full-coverage policy. Reston has slightly higher rates than Arlington County and the nearby town of Herndon.
While Reston is much smaller than Arlington, its higher rates might be partly explained by the large crash volume found in Reston’s home county of Fairfax. The total number of crashes in Fairfax County in 2024 was 12,626, whereas the total in Arlington County was 2,035.[1]
Auto-Owners offers the cheapest liability-only car insurance in Reston, at an average of $52 per month. The cheapest premiums for a full-coverage policy come from Auto-Owners, with an average rate of $94 per month.
Minimum insurance requirements in Virginia include $50,000 per person and $100,000 per accident in bodily injury liability, plus $25,000 in property damage liability.[2]
Deer are very active in Fairfax County, especially during rutting season, which occurs in October, November, and December. A full-coverage policy can help repair or replace your vehicle if you hit a deer.
The following table shows the cheapest liability car insurance rates in Reston.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $52 |
| State Farm | $54 |
| USAA | $72 |
| Chubb | $79 |
| CSAA | $80 |
| Mercury | $82 |
| Erie | $83 |
| Elephant | $85 |
| GEICO | $98 |
| National General | $100 |
| Bristol West | $102 |
| Progressive | $102 |
| Direct Auto | $111 |
| GAINSCO | $111 |
| Allstate | $114 |
| Safeco | $114 |
| Insurify Car | $128 |
| AssuranceAmerica | $130 |
| Dairyland | $135 |
| Liberty Mutual | $135 |
| Trexis | $136 |
| Root | $140 |
| The General | $142 |
| Travelers | $152 |
| Trexis One | $153 |
| Clearcover | $158 |
| Hugo | $169 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $94 |
| State Farm | $96 |
| CSAA | $127 |
| Elephant | $128 |
| USAA | $129 |
| Progressive | $137 |
| Chubb | $141 |
| Erie | $147 |
| Mercury | $148 |
| GEICO | $164 |
| Safeco | $168 |
| Bristol West | $174 |
| National General | $183 |
| Liberty Mutual | $188 |
| Direct Auto | $195 |
| Allstate | $202 |
| Root | $212 |
| AssuranceAmerica | $216 |
| GAINSCO | $238 |
| Trexis | $258 |
| Travelers | $270 |
| Clearcover | $306 |
| The General | $307 |
| Dairyland | $316 |
| Trexis One | $329 |
Pay your first week’s premium and get immediate proof of insurance
Rates in cities such as Norfolk and Portsmouth are slightly more expensive than in Reston. Both cities have higher populations than Reston and are located near the coast, which may increase their exposure to severe weather events like coastal storms, nor’easters, and flooding.[3]
Rates are lower in Harrisonburg, which has a smaller population than Reston and is located inland.
The following table shows average monthly quotes in different cities in Virginia.
City | Average Monthly Quote |
|---|---|
| Alexandria | $177 |
| Arlington | $151 |
| Charlottesville | $131 |
| Chesapeake | $163 |
| Harrisonburg | $121 |
| Lynchburg | $135 |
| Newport News | $173 |
| Norfolk | $189 |
| Portsmouth | $186 |
| Reston | $153 |
| Richmond | $187 |
| Roanoke | $132 |
| Virginia Beach | $158 |
| Woodbridge | $180 |
The average commute time in Reston is nearly 28 minutes.[4] Residents commuting to Arlington or Washington, D.C., can take Interstate 66. Vehicles with three or more occupants can use the express lanes for free. If you have fewer than three occupants, you can use the express lanes, but you’ll have to pay a toll. Toll prices adjust based on traffic. More traffic means higher prices.
Fairfax County has the highest volume of crashes in Virginia, with a total of 12,626 crashes resulting in 55 fatalities and 5,532 injuries in 2024, according to data from the Virginia Department of Motor Vehicles.
Reston Parkway runs north and south through the town, and its intersections are hot spots for collisions. Purchasing collision insurance can help repair or replace your vehicle if you get in a crash.
In Reston, deer and wildlife are a real issue on the roads. Deer are out in a higher frequency from pre-dawn to mid-morning and dusk to early evening, often when people are commuting to and from work. Most deer collisions occur during mating season, which runs from October to December. Having comprehensive insurance coverage can help protect your vehicle if you hit a deer.
Your driving record is one of the factors that an insurance company uses to determine how risky you are to insure and how it should price your premiums. A driving history that includes speeding tickets, at-fault accidents, or a conviction for driving under the influence (DUI) can lead to higher rates.
In Reston, less than 1% of drivers have a DUI, according to Insurify data. Drivers who get a DUI face some of the strongest drunk driving laws in the nation. First-time offenders lose their license for one year and have to install a mandatory ignition interlock device before they can drive again.[5]
The table below highlights the average monthly quotes for people with different driving records in Reston.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $153 |
| Speeding ticket | $188 |
| At-fault accident | $200 |
| DUI | $192 |
Teen drivers in Reston can apply for their learner’s permit at 15 years and six months old. They must complete a number of requirements before their provisional license, which comes with restrictions, including no driving between midnight and 4 a.m., limits on the number of passengers, and a no-cell phone policy.[6]
The table below shows the cheapest average monthly quotes for drivers of different ages in Reston.
Age | Average Monthly Quote |
|---|---|
| Teens | $255 |
| 20s | $174 |
| 30s | $136 |
| 40s | $126 |
| 50s | $118 |
| 60s | $109 |
| 70+ | $116 |
*Quotes generated for Insurify users in and around Reston, Virginia within the last 10 days. Last updated on July 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Reston, Virginia within the last 10 days. Last updated on July 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
To help answer any remaining questions you have about car insurance in Reston, check out the following information.
The average cost of car insurance in Reston is $127 per month for liability-only coverage and $179 per month for a full-coverage policy. Factors such as your age, driving history, and coverage limits can affect your rates. Purchasing additional coverage options, such as uninsured motorist or comprehensive coverage, will also increase your premiums.
The average cost of car insurance in Reston is $187 per month, which is more expensive than the state average. Fairfax County has the highest volume of crashes in Virginia, which may help explain the higher rates.
The minimum insurance requirements in Reston, Virginia, include $50,000 per person and $100,000 per accident in bodily injury liability coverage, plus $25,000 in property damage liability.
The average cost of car insurance in Virginia is $116 per month for a liability-only policy and $204 per month for full-coverage insurance. You can try to lower the cost of car insurance by increasing your deductible, looking for discounts, and comparing quotes from multiple insurance companies.
Car insurance is cheaper in Virginia, with an average cost of $160 per month. The average cost in Maryland is $249 per month, and car insurance in Washington, D.C., averages $221 per month.
Insurify data scientists analyzed more than 190 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:
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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7+ years in personal finance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.