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.
How much is car insurance in Virginia?
In Virginia, drivers pay an average of $112 per month for liability-only car insurance and $180 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
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.
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.
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.
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