The cost of car insurance in Virginia varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Virginia Farm Bureau offers the cheapest rates at $1,167 a year for full coverage.
We’ve compiled this detailed guide to help you choose the right car insurance in Virginia. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Virginia and how much you need.
- Virginia Farm Bureau provides the most affordable annual rates for full coverage car insurance in Virginia, at $1,167 per year.
- In Virginia, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- Minimum liability coverage in Virginia costs around $428 annually for limits of 30/60/20, while liability-only coverage costs $477 per year for limits of 50/100/50.
- In Virginia, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 36%, a DUI raising rates by 48%, and an at-fault accident by up to 50%.
How much is car insurance in Virginia?
CarInsurance.com data found that drivers in Virginia pay $122 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Virginia by coverage level
In Virginia, car insurance rates can differ depending on how much coverage you choose. Drivers in Virginia are required by law to have minimum insurance coverage limits of 30/60/20 to drive legally.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Virginia. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Virginia car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $36 | $428 |
| Liability Only – 50/100/50 BI/PD | $40 | $477 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $122 | $1,469 |
State minimum car insurance in Virginia
Virginia’s car insurance laws require a minimum coverage of $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident and $20,000 in property damage liability.
In Virginia, you can get state minimum car insurance for $428 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Virginia must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Virginia
The average cost of liability-only insurance in Virginia is $477 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Virginia
The average annual premium in Virginia is $1,469 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Virginia
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Virginia pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Virginia car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Virginia by car model
In Virginia, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
See how much you’ll pay for car insurance for your specific make and model in Virginia.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Virginia
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Car insurance companies know teen drivers are less experienced and riskier to insure. Virginia drivers aged 30 to 60 have the lowest average auto insurance rates at $1,429 annually.
Virginia drivers aged 16-19 pay $3,066 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $4,495 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,239 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,429 per year in Virginia.
- For senior drivers: Drivers age 65 and older can expect to pay $1,535 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Virginia
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Virginia, a DUI conviction often results in higher premiums and you may see an increase of up to 48% as insurers perceive you as a high-risk driver.
If you get caught speeding in Virginia, your car insurance rates will increase by 36% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 36% increase
- DUI conviction: 48% increase
- At-fault accident (bodily injury and property damage): 50% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Virginia for high-risk drivers
In Virginia, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Auto-Owners | $1,405 |
| State Farm | $1,719 |
| Travelers | $1,728 |
| Erie Insurance | $1,777 |
| USAA | $1,793 |
| Geico | $2,294 |
| Progressive | $3,294 |
| Allstate | $4,132 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Virginia
In Virginia, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Virginia by getting quotes from several insurers for comparison.
Below are the details of Virginia car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Virginia Farm Bureau | $319 | $357 | $1,167 |
| Travelers | $382 | $419 | $1,169 |
| Erie Insurance | $331 | $371 | $1,288 |
| Geico | $388 | $448 | $1,382 |
| Auto-Owners | $410 | $480 | $1,405 |
| State Farm | $390 | $441 | $1,479 |
| Allstate | $676 | $734 | $2,021 |
| Progressive | $612 | $656 | $2,120 |
| USAA | $344 | $390 | $1,192 |
Car insurance rates by city in Virginia
Springfield is Virginia’s most expensive city for car insurance at an average cost of $1,684 annually. Dayton is the state’s least expensive city, with an average car insurance rate of $1,206 annually.
Car insurance costs differ from city to city in Virginia, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Virginia’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Virginia Farm Bureau | $1,220 |
| USAA | $1,224 |
| Travelers | $1,251 |
| Erie Insurance | $1,336 |
| Geico | $1,366 |
| State Farm | $1,593 |
| Auto-Owners | $1,790 |
| Progressive | $1,932 |
| Allstate | $2,562 |
How much does car insurance cost in Virginia per month?
In Virginia, a full coverage car insurance policy with 100/300/100 limits typically costs about $122 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $36 |
| Liability Only – 50/100/50 BI/PD | $40 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $122 |
Final thoughts on choosing car insurance in Virginia
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Virginia. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 30/60/20.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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