Average Car Insurance Cost in Virginia (2025)
Drivers in Virginia pay an average of $146 per month for car insurance.
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Liability car insurance costs an average of $112 per month in Virginia. Coverage is cheaper than in most other U.S. states, and insurance prices mirror the state’s cost of living — less expensive than the average, but not by much.
The state’s moderate weather and low number of uninsured drivers help keep car insurance rates affordable. But, as in nearly every state in the country, auto insurance costs in Virginia have increased over the last two years.
Here’s how much drivers pay for coverage in Virginia.
Quick Facts
Car insurance in Virginia has increased by more than 60% during the last two years.
Drivers in Woodbridge pay some of the highest rates in the state, while drivers in Harrisonburg pay some of the lowest.
Hugo, Auto-Owners, and State Farm have some of the cheapest rates in Virginia.
How much is car insurance in Virginia?
In Virginia, drivers pay an average of $112 per month for liability-only car insurance and $179 per month for full-coverage car insurance, according to Insurify data.
Liability coverage is cheaper and meets the minimum-coverage requirements for the state. It covers the other driver’s car repairs and medical expenses when you cause an accident. Full coverage costs more. It includes comprehensive and collision coverage, providing more protection which helps pay for your repairs in an accident.
How Virginia car insurance rates have changed over the past two years
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To find car insurance rates in Virginia and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Virginia rose to $2,300 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Virginia.
See how Virginia car insurance prices have changed over the past two years below.
Average Virginia car insurance rates by city
Your location, down to your ZIP code, affects car insurance costs. This is because every area has unique crime, theft, and accident rates. For example, you’ll pay more if you live in a large city like Virginia Beach since there are more accidents and thefts. Rural drivers in places like Lynchburg usually pay less.1
The following table has the average car insurance costs for cities in Virginia.
Average Virginia car insurance rates by age and gender
Your demographics, including your age and gender, affect your car insurance costs. For example, female drivers have fewer and less severe accidents, so they pay less for coverage than male drivers.
The same is true for age. Young drivers — especially 16-year-old drivers — have less experience and more accidents. As a result, they pay significantly more than the state average. Insurance policy costs decrease as you age, but you might see a slight increase sometime after retirement — usually around 70 years old — due to an increased accident risk.
Here are the average rates in Virginia based on age and gender.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Virginia
Car insurance companies also consider the make and model of your car when determining coverage costs. Because expensive cars cost more to repair, insurance also costs more. The car’s safety features and crash record also affect the price. Safer cars cost less to insure.
Virginia is a versatile state with big cities, high-powered Washington, D.C., suburbs, and rural areas. The state’s most popular vehicles include a high-priced electric vehicle and a large pickup truck — a reflection of the different aspects of the state.
The chart below shows the most popular vehicles in Virginia and the average cost of coverage for each car.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Virginia
Insurance companies use your driving record to measure risk. Drivers with a clean record receive the cheapest rates. If you have an at-fault accident, speeding ticket, DUI, or other violation on your driving record, you’ll pay more for car insurance.
Drivers with a violation are riskier to insure, so insurance companies charge more. The exact increase depends on the type of violation. Drivers with a DUI, for example, usually pay the most.
The table below shows rates for a Virginia driver with different incidents on their record compared to a driver with a clean record, who pays $144 per month.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurers in Virginia can use credit-based insurance scores as a factor when calculating rates. Insurance companies use your credit history to figure out how likely you are to file a claim. A high score indicates you’re less likely to file a claim, so coverage costs less.
Drivers with excellent credit in Virginia pay an average of $130 per month for car insurance — nearly 25% less than drivers with poor credit.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Virginia
You can’t control some factors that affect your car insurance costs, but you can still find ways to lower your rate. The following strategies can decrease your costs:2
Virginia average car insurance cost FAQs
Car insurance in Virginia is similar to the cost of living in the state — slightly cheaper than average, but not by much. Here’s what you need to know about coverage.
The average annual cost of car insurance in Virginia is $1,749. The average liability insurance cost is $1,350 per year, and full coverage is $2,148 per year.
The cheapest car insurance company in Virginia is Hugo, with monthly liability rates averaging $44. You can also find affordable coverage from Auto-Owners and State Farm. Comparing quotes and asking about discounts can help you find the best deal.
Car insurance in Virginia costs an average of $146 per month. Liability coverage costs $112 per month, and full coverage costs $112. You might pay more or less depending on factors such as your ZIP code, driving history, age, gender, credit, and vehicle.
The best auto insurance companies in Virginia depend on your priorities. For example, you can find cheap car insurance from Auto-Owners. But USAA might be a better pick for military members. Nationwide, on the other hand, has solid pay-per-mile insurance.
In Virginia, you must have insurance that meets these minimum coverage requirements:3
$50,000 per person and $100,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
You can choose to add more coverage, like uninsured motorist coverage, for extra protection.
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