Virginia car insurance calculator

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If you’re a driver in the Virginia, you probably know the importance of having car insurance that meets the state’s minimum requirement. However, finding the right coverage at an affordable price can be a daunting task. That’s where our Virginia car insurance calculator comes in handy.

Our auto insurance calculator lets you estimate your average annual and monthly car insurance cost in Virginia, based on your vehicle make and model, helping you make informed decisions.

Virginia car insurance calculator

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*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.

How much is vehicle model important in calculating car insurance in Virginia

In Virginia, the type and model of your car can really affect how much you pay for car insurance. Insurers look at things like your car’s make and model to decide on the cost of premiums.

For example, the yearly car insurance cost for a full coverage policy on a 2022 Acura ILX 2.4L is $1,307, while the average insurance premiums for a Toyota 4Runner Limited in Virginia are $1,299 annually. That’s a difference of $8 less compared to the Acura ILX 2.4L.

How insurers calculate car insurance in Virginia using car model year

In Virginia and many other places, a car’s model year can influence how much you pay for car insurance. For example, someone with a 2021 Chevrolet Blazer 2LT pays around $887 a year for insurance, whereas the car insurance rate for a 2022 Chevrolet Blazer 2LT is $1,274 per year.

Does the cost of car insurance in Virginia decrease as a vehicle gets older?

In Virginia, insurance for older cars is often less expensive. When a car gets older, it loses value (that’s called depreciation). Since insurance is there to help with repair or replacement costs, the insurance company doesn’t have to pay as much for an older car. So, if your car is older in Virginia, your insurance bill is usually lower.

If you’re driving a 2020 Honda Accord LX in Virginia, your monthly full coverage insurance is usually $96. Now, if you have the 2022 Honda Accord LX, your monthly insurance goes up to $111, which is $15 more than the 2020 model.

Older vehicles are generally less appealing to thieves than newer, fancier ones. This lower risk of theft can also result in lower insurance costs for you.

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Auto 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 city

Car insurance cost estimate in Virginia

The average premium for car insurance in Virginia is $1,321 per year or $110 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in Virginia for different coverage levels.

50/100/50 Liability Only	Full Coverage	Non-Owner State Minimum Liability Only	State Minimum Liability Only
$489	$1,321	$336	$469

The bottom line: Virginia car insurance calculator

The Virginia car insurance calculator determines your rates based on factors such as location and vehicle make and model year. By entering your information, you can get estimated quotes from the calculator. Remember that rates may vary, and it’s wise to get quotes from multiple insurers to find the best deal tailored to your needs.