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How Much Is Car Insurance in Virginia? (2023)


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Updated: Sep 20, 2023
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The cost of car insurance in Virginia varies due to age, location, credit score, coverage and driving history, among other factors. For instance, annual premiums in Virginia range from $2,184 with Kemper to $601 with American Family, representing the most expensive and cheapest rates, respectively.

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2023

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Average Car Insurance Costs in Virginia (2023)

While the actual costs may vary based on multiple factors, the average cost of car insurance in Virginia is $942 per year. Drivers in Virginia commonly pay the following prices:

  • Clean record: $942 per year
  • Speeding ticket: $1,308 per year
  • Accident: $1,473 per year
  • DUI: $1,521 per year

The rates provided above are for full coverage insurance, as the cost of minimum coverage insurance is relatively lower in comparison.

Driving Record
Annual Premium
Monthly Premium

Clean

$443

$37

Clean

$461

$38

Clean

$538

$45

Ticket

$612

$51

Ticket

$675

$56

At-Fault Accident

$692

$58

DUI

$704

$59

Ticket

$737

$61

DUI

$756

$63

At-Fault Accident

$764

$64

At-Fault Accident

$832

$69

DUI

$874

$73

Clean

$942

$78

Clean

$950

$79

Clean

$1,190

$99

Ticket

$1,308

$109

Ticket

$1,379

$115

At-Fault Accident

$1,473

$123

DUI

$1,521

$127

At-Fault Accident

$1,551

$129

DUI

$1,569

$131

Ticket

$1,613

$134

At-Fault Accident

$1,809

$151

DUI

$1,938

$162

Why Are Car Insurance Rates Moderate in Virginia?

Virginia's average car insurance premiums are moderately lower than the national average of $1,054, resulting in savings of $112. The state's lower population, moderate traffic density and fewer theft cases contribute to its relatively affordable rates.

Your auto insurance premiums in Virginia may be influenced by personal factors, such as your driving history or age.

Average Car Insurance Costs in Virginia by Company

Estimating car insurance costs in Virginia can be challenging as premiums vary significantly among providers. For instance, American Family offers the cheapest car insurance in Virginia, with full coverage charging $601 per year and minimum coverage costing $243 per year. Kemper offers the highest-priced car insurance in the market, with full coverage costing $2,184 per year and minimum coverage priced at $1,184 annually.

While you can easily find cheap liability-only insurance, researching and exploring different options can help you find the cheapest full coverage insurance policy.

Company
Annual Premium
Monthly Premium

American Family

$243

$20

Mercury

$251

$21

State Farm

$281

$23

Virginia Farm Bureau

$293

$24

American Family

$297

$25

State Farm

$299

$25

Virginia Farm Bureau

$300

$25

Mercury

$318

$27

American Family

$334

$28

Cincinnati Insurance

$335

$28

Mercury

$345

$29

Auto-Owners Insurance Co

$353

$29

Erie

$354

$29

State Farm

$355

$30

Cincinnati Insurance

$356

$30

Erie

$359

$30

Virginia Farm Bureau

$366

$30

Nationwide

$367

$31

Auto-Owners Insurance Co

$369

$31

Nationwide

$377

$31

Travelers

$392

$33

Auto-Owners Insurance Co

$409

$34

Allstate

$419

$35

Travelers

$425

$35

Allstate

$448

$37

Travelers

$450

$37

Erie

$455

$38

Nationwide

$456

$38

GEICO

$456

$38

Allstate

$486

$40

GEICO

$516

$43

GEICO

$551

$46

American Family

$601

$50

Progressive

$624

$52

Progressive

$636

$53

Nationwide

$651

$54

Cincinnati Insurance

$666

$55

State Farm

$684

$57

Virginia Farm Bureau

$686

$57

Nationwide

$694

$58

National General

$704

$59

National General

$705

$59

American Family

$705

$59

Erie

$720

$60

Auto-Owners Insurance Co

$720

$60

Progressive

$723

$60

State Farm

$724

$60

Erie

$725

$60

Auto-Owners Insurance Co

$739

$62

Mercury

$741

$62

Virginia Farm Bureau

$748

$62

Cincinnati Insurance

$749

$62

Virginia Farm Bureau

$753

$63

Mercury

$807

$67

American Family

$812

$68

Nationwide

$815

$68

Cincinnati Insurance

$831

$69

Travelers

$843

$70

Travelers

$845

$70

National General

$898

$75

State Farm

$921

$77

Erie

$927

$77

Allstate

$929

$77

Auto-Owners Insurance Co

$931

$78

Allstate

$979

$82

GEICO

$980

$82

Allstate

$990

$82

Progressive

$1,002

$83

Travelers

$1,006

$84

Progressive

$1,021

$85

GEICO

$1,033

$86

Mercury

$1,088

$91

Kemper

$1,184

$99

Progressive

$1,221

$102

Kemper

$1,226

$102

GEICO

$1,228

$102

Kemper

$1,336

$111

Cincinnati Insurance

$1,539

$128

National General

$1,606

$134

National General

$1,702

$142

National General

$2,086

$174

Kemper

$2,184

$182

Kemper

$2,192

$183

Kemper

$2,535

$211

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MONEYGEEK’S VIRGINIA CAR INSURANCE CALCULATOR

When determining your insurance rate, auto insurance companies consider various factors, such as coverage levels and personal details like age, location and driving record. If you're looking for a quick insurance premium estimate, use MoneyGeek's Virginia auto insurance calculator.

Average Car Insurance Costs in Virginia by Coverage Level

Opting for higher liability limits in your car insurance policy can increase costs. For instance, Virginia drivers pay an average of $1,064 for full coverage with higher liability limits compared to $443 for the minimum required coverage. Choosing a higher deductible with full coverage insurance can lead to long-term savings.

Average annual car insurance rates by coverage tier

Minimum coverage car insurance in Virginia only provides the lowest liability levels and does not include collision or comprehensive insurance. Note that Virginia requires drivers to have uninsured motorist insurance, which may result in higher costs for minimum coverage policies compared to other states.

Insurance companies may provide policies with higher liability limits, such as 50/100/50 or 100/300/100. Opting for a policy with liability limits of 50/100/50 would provide the following coverage:

  • $50,000 in bodily injury liability insurance per person
  • $100,000 in bodily injury liability insurance per accident
  • $50,000 in property damage liability insurance per accident

A full coverage policy includes liability insurance, as well as comprehensive and collision insurance, providing coverage for damages to your car and yourself. Most insurers offer a maximum liability limit of 300/500/300.

Average Car Insurance Costs in Virginia by Age

The average cost of car insurance in Virginia can vary significantly based on your age, especially for new drivers. Below are the age-related price differences for full coverage car insurance in Virginia:

  • 22–29: $1,190 per year
  • 30–59: $942 per year
  • 60+: $950 per year

Car insurance premiums are typically higher for drivers in their 20s. However, rates remain relatively stable for drivers aged between 30 and 59 until they reach the age of 60.

Age
Annual Premium
Monthly Premium

22-29

$538

$45

22-29

$1,190

$99

30-59

$443

$37

30-59

$942

$78

60 +

$461

$38

60 +

$950

$79

Average Car Insurance Costs in Virginia for Teens

Insurance premiums for teenagers are typically higher than for other age groups. For example, in Virginia, a 16-year-old male on a family policy pays an average yearly premium of $3,458, while an individual policy costs $5,904 annually.

As drivers get older, insurance rates tend to decrease. A 19-year-old typically pays $2,361 per year on a family plan in Virginia, while a 22-year-old spends $1,700. Insurance rates can also vary significantly based on gender in Virginia. For example, the average yearly cost for a 16-year-old female on a family policy is $2,931, which is $527 less than the cost for a male teen.

Remember that car insurance premiums vary between providers, and certain insurers may offer more cost-effective rates than others. To find the most affordable car insurance for teenagers in Virginia, we recommend getting quotes from multiple companies and comparing them.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,931

$244

$4,992

$416

16

$3,458

$288

$5,904

$492

17

$2,778

$232

$3,874

$323

17

$3,265

$272

$4,541

$378

18

$2,328

$194

$3,262

$272

18

$2,722

$227

$3,814

$318

19

$2,048

$171

$2,439

$203

19

$2,361

$197

$2,863

$239

20

$2,064

$172

$2,120

$177

20

$2,385

$199

$2,458

$205

21

$1,700

$142

$1,736

$145

21

$1,917

$160

$1,962

$164

22

$1,529

$127

$1,590

$132

22

$1,700

$142

$1,767

$147

23

$1,581

$132

$1,487

$124

23

$1,778

$148

$1,627

$136

24

$1,502

$125

$1,414

$118

24

$1,661

$138

$1,520

$127

25

$1,339

$112

$1,257

$105

25

$1,426

$119

$1,301

$108

Average Car Insurance Costs in Virginia for New Cars vs. Older Cars

The average cost of car insurance for a new car in Virginia is $1,197 per year, which is 23.6% more expensive than the average rate for an older vehicle at $968 per year. Insurance premiums can be more costly since new cars have a higher actual cash value (ACV) and repair costs.

Insurance companies often consider the ACV of your car when calculating collision and comprehensive claims. A lower ACV will result in lower insurance rates. If you drive a newer car, we recommend getting full coverage insurance. It not only covers liability for injuries to others but also covers damages to your own vehicle.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$451

$38

2022 Vehicle

$478

$40

2012 Vehicle

$483

$40

2012 Vehicle

$511

$43

2022 Vehicle

$525

$44

2012 Vehicle

$562

$47

2012 Vehicle

$968

$81

2012 Vehicle

$979

$82

2012 Vehicle

$1,162

$97

2022 Vehicle

$1,180

$98

2022 Vehicle

$1,197

$100

2022 Vehicle

$1,452

$121

Average Car Insurance Costs in Virginia by Driving Record

Drivers with driving violations pay higher premiums than those with clean records. In Virginia, drivers with offenses have to pay the following insurance rates:

  • Clean record: $942 per year
  • Speeding ticket: $1,308 per year
  • Accident: $1,473 per year
  • DUI: $1,521 per year

The severity of the violation typically determines the increase in insurance costs. For instance, a DUI conviction would incur a higher insurance cost than a speeding ticket. Drivers with poor records can find affordable car insurance in Virginia by comparing quotes from multiple providers.

Driving Record
Annual Premium
Monthly Premium

Clean

$443

$37

Clean

$461

$38

Clean

$538

$45

Ticket

$612

$51

Ticket

$675

$56

At-Fault Accident

$692

$58

DUI

$704

$59

Ticket

$737

$61

DUI

$756

$63

At-Fault Accident

$764

$64

At-Fault Accident

$832

$69

DUI

$874

$73

Clean

$942

$78

Clean

$950

$79

Clean

$1,190

$99

Ticket

$1,308

$109

Ticket

$1,379

$115

At-Fault Accident

$1,473

$123

DUI

$1,521

$127

At-Fault Accident

$1,551

$129

DUI

$1,569

$131

Ticket

$1,613

$134

At-Fault Accident

$1,809

$151

DUI

$1,938

$162

Average Car Insurance Costs in Virginia by Credit Score

Your credit rating significantly affects the average cost of auto insurance in Virginia. On average, drivers with poor credit pay up to around $1,535 per year, while those with excellent credit pay as little as $780. Here's how car insurance costs in Virginia vary based on your credit score:

  • Excellent: $780 per year
  • Good: $927 per year
  • Fair: $1,108 per year
  • Below fair: $1,311 per year
  • Poor: $1,535 per year

To find the cheapest car insurance in Virginia with poor credit, we recommend comparing rates from different insurers since premiums may vary based on creditworthiness.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$404

$34

Excellent

$421

$35

Excellent

$464

$39

Good

$471

$39

Good

$491

$41

Good

$542

$45

Fair

$564

$47

Fair

$589

$49

Fair

$651

$54

Below Fair

$663

$55

Below Fair

$695

$58

Excellent

$730

$61

Poor

$747

$62

Excellent

$754

$63

Below Fair

$767

$64

Excellent

$775

$65

Excellent

$780

$65

Poor

$791

$66

Excellent

$813

$68

Excellent

$814

$68

Poor

$863

$72

Good

$871

$73

Excellent

$896

$75

Good

$901

$75

Excellent

$919

$77

Good

$919

$77

Good

$927

$77

Excellent

$952

$79

Good

$965

$80

Good

$965

$80

Fair

$1,042

$87

Good

$1,075

$90

Fair

$1,077

$90

Good

$1,096

$91

Fair

$1,100

$92

Fair

$1,108

$92

Good

$1,133

$94

Fair

$1,155

$96

Fair

$1,158

$96

Below Fair

$1,239

$103

Below Fair

$1,277

$106

Fair

$1,291

$108

Below Fair

$1,304

$109

Below Fair

$1,311

$109

Fair

$1,316

$110

Fair

$1,362

$113

Below Fair

$1,368

$114

Below Fair

$1,375

$115

Poor

$1,473

$123

Poor

$1,505

$125

Poor

$1,535

$128

Below Fair

$1,536

$128

Poor

$1,542

$128

Below Fair

$1,562

$130

Poor

$1,598

$133

Below Fair

$1,617

$135

Poor

$1,622

$135

Poor

$1,821

$152

Poor

$1,838

$153

Poor

$1,892

$158

Average Car Insurance Costs in Virginia by City

Car insurance rates can vary depending on where you live in Virginia. For example, individuals residing in Norfolk are charged the highest rates for full coverage policies at $1,142 per year, whereas those living in Virginia Beach pay the least at $987 annually. Areas with higher traffic and population densities, like Norfolk, typically have more expensive car insurance rates.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Alexandria

$1,386

$699

Alexandria

$1,103

$569

Alexandria

$1,121

$594

Arlington

$1,305

$655

Arlington

$1,037

$533

Arlington

$1,057

$558

Chesapeake

$1,264

$631

Chesapeake

$1,008

$517

Chesapeake

$1,026

$543

Hampton

$1,278

$640

Hampton

$1,018

$522

Hampton

$1,034

$547

Newport News

$1,251

$627

Newport News

$994

$510

Newport News

$1,010

$535

Norfolk

$1,428

$700

Norfolk

$1,142

$575

Norfolk

$1,156

$602

Richmond

$1,362

$668

Richmond

$1,083

$545

Richmond

$1,099

$571

Virginia Beach

$1,244

$627

Virginia Beach

$987

$511

Virginia Beach

$1,003

$534

Insurance Rates

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FAQ About Car Insurance Costs in Virginia

Your insurance rates can vary based on personal details and geographic location. Review our answers to some commonly asked questions to better understand the average car insurance costs in Virginia.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.