Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Virginia Average car insurance cost in Virginia The average premium for car insurance in Virginia is $1,469 per year or $122 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed Understanding potential costs is essential when seeking auto insurance in Virginia. On average, car insurance in Virginia costs $1,469 annually or $122 monthly. This figure contrasts with the national average of $1,895, showcasing a variance of $426 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Virginia, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget. Average annual cost $1,469 Average per month cost $122 Average cost for state minimum coverage $428 / Year Cheapest car insurance company Virginia Farm Bureau($1,167 / Year) Average cost for young drivers $2,337 / Year Average cost for Senior drivers $1,535 / Year Key TakeawaysBased on Insure.com’s in-depth data analysis, car insurance in Virginia costs $1,469 per year.In Virginia, the average premium for car insurance is $122 per month.At $1,167 a year, Virginia Farm Bureau has the cheapest car insurance rates in Virginia.Average car insurance cost in Virginia per monthIn Virginia, car insurance costs around $122 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Virginia, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in VirginiaAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Virginia is Virginia Farm Bureau, with an average annual cost of $1,167 and a monthly average of $97. Following closely is Travelers, providing coverage at an average monthly rate of $97.The following table lists additional car insurance companies operating in Virginia and their respective average monthly and annual costs. Affordable car insurance providers in Virginia Graph Table Company nameAverage per month costAverage annual costVirginia Farm Bureau$97$1,167Travelers$97$1,169Erie Insurance$107$1,288Geico$115$1,382Auto-Owners$117$1,405State Farm$123$1,479Allstate$168$2,021Progressive$177$2,120USAA$99$1,192 Read our guide to cheap car insurance companies Virginia car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Virginia Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,575/Year OR $131/month Virginia Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in VirginiaCar insurance rates in Virginia are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $477 per year in Virginia.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Virginia amounts to $1,469 per year.If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Virginia, the average annual cost for non-owner state minimum liability coverage is $290.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $428 in Virginia.1State minimum:$4282Liability only:$4773Full coverage:$1,4694Non-owners:$290Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Virginia by cityChesapeakeNewport NewsNorfolkRichmondVirginia BeachAverage car insurance cost in Virginia by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in Virginia:CityAverage annual costAlexandria$1,586Chesapeake$1,465Hampton$1,476Newport News$1,447Norfolk$1,607Portsmouth$1,539Richmond$1,552Roanoke$1,338Suffolk$1,446Virginia Beach$1,457Average car insurance cost in Virginia by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Virginia, the average annual rate for young drivers is $2,337, whereas for seniors, it’s $1,535. Notably, the rate for young drivers surpasses that of senior drivers by $802.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Virginia for young driversIn Virginia, female young drivers typically pay an average annual car insurance cost of $2,227 and $186 per month. Conversely, male young drivers pay an average annual rate of $2,446, or $204 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $3,076 $2,702 21 $2,563 $2,295 22 $2,334 $2,135 23 $2,205 $2,050 24 $2,054 $1,952 Average car insurance cost in Virginia for senior driversIn Virginia, senior female drivers pay an annual car insurance cost of $1,481, equating to $123 per month. Similarly, male senior drivers face an average yearly expense of $1,587, or $132 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,393 $1,364 70 $1,533 $1,454 75 $1,820 $1,625 Read more about senior car insuranceMinimum car insurance requirements in VirginiaEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Virginia Department of Insurance, the required coverages and minimum coverage limits in Virginia are as follows:Bodily injury per person: $50,000 Bodily injury per accident: $100,000 Personal property coverage per person: $25,000 Cheapest cars to insure in VirginiaAccording to Insure.com data study, Honda HR-V has the lowest premium of $1,177. Kia Seltos is followed closely at $1,192 per year. The difference in the cost of insuring these two models is $15 annually.MakeModelAverage annual premiumHondaHR-V$1,177KiaSeltos$1,192VolkswagenTaos$1,193MazdaCX-30$1,196ChevroletTrailBlazer$1,197SubaruForester$1,204VolkswagenTiguan$1,212MazdaCX-5$1,226HyundaiVenue$1,227ToyotaCorolla Cross$1,241Most expensive cars to insure in VirginiaThe Maserati Quattroporte Trofeo, at an average annual premium of $4,335, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $3,158 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$4,335MaseratiQuattroporte$4,276MaseratiGhibli Trofeo$3,687BMWI7$3,630MaseratiLevante Trofeo$3,579MercedesS Class$3,496PorscheTaycan GTS$3,494MaseratiGhibli$3,492DodgeCharger SRT$3,469AudiRS6 Avant$3,468MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Virginia Non-owner auto insurance in Virginia Average renters insurance cost in Virginia Average homeowners insurance cost in Virginia In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Virginia per monthCheapest car insurance companies in VirginiaAverage cost of car insurance by coverage levels in VirginiaAverage car insurance cost in Virginia by cityAverage car insurance cost in Virginia by age of the driverMinimum car insurance requirements in VirginiaCheapest cars to insure in VirginiaMost expensive cars to insure in VirginiaMethodology ZIP Code Please enter valid ZIP See rates