Average cost of car insurance in Virginia for 2025

How much is car insurance in Virginia? 

Virginia drivers pay fairly low average rates for car insurance, especially when compared to the national average. The average car insurance cost in Virginia for full coverage, which is $2,070 per year, is 23 percent less than the national average of $2,697. Minimum coverage in Virginia costs an average of $753 per year, almost 8 percent less than the national average of $820. These relatively low rates are likely due to the lower cost of living and low traffic density in more rural parts of the state.

While average rates are useful as a comparative baseline, how much you will pay for car insurance in Virginia may differ from the average. Rates vary between drivers based on age, driving record and several other factors personal to you and your vehicle.

Key takeaways

• Virginia car insurance rates average $2,070 per year or $172 per month for full coverage and $753 per year or $63 per month for minimum coverage.
• The age group that pays the most for car insurance in Virginia is 18-year-old male drivers on their own policy at an average of $7,551 per year for full coverage.
• Full coverage rates after an at-fault accident in Virginia cost an average of 42 percent more per year.
• Drivers with excellent credit pay 17 percent less than the state average for full coverage.

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Virginia car insurance rates by city

Car insurance rates vary by city, and Virginia is no exception. In some cities, rates may be lower due to a lower cost of living or a lower likelihood of accidents. Conversely, rates could be higher in areas that are more likely to see claims being filed. The table below showcases Virginia car insurance rates for 10 of the most populous cities and compares each city’s average full coverage premium to the state average.

Average car insurance costs by age and gender in Virginia

How much car insurance costs in Virginia can depend on the age of the driver. Your age impacts how much you pay for car insurance, especially for young drivers. Less experience on the road generally translates to a higher likelihood of claims, which means higher rates. The rates below are for drivers with a clean driving record and their own car insurance policy (with the exception of 16-year-old rates).

Cost considerations for young drivers in Virginia

Very often, young drivers don’t purchase their own car insurance policy. Instead, they’re added as drivers to their parents’ or guardians’ policy. Generally, this is the cheapest way to get coverage, and it’s usually encouraged for young drivers to stay on the shared policy if they are still a member of the parents’ or guardians’ household. Once a young driver moves out and establishes their own household, they’ll likely be required to purchase their own car insurance policy.

How does driving record impact the cost of car insurance in Virginia?

Your driving record has one of the biggest impacts on your Virginia car insurance rates. If you have speeding ticket convictions, at-fault accidents or DUI convictions on your record, you are more likely to be viewed as a high-risk driver and pay higher rates for car insurance. For example, Virginia drivers with a DUI conviction on their records pay around double what a driver with a clean driving record pays. Below you can see the average cost of car insurance in Virginia for drivers with either a speeding ticket, an at-fault accident or a DUI conviction on their motor vehicle records.

Car insurance rates in Virginia by credit tier

Virginia, like most states, allows insurers to use your credit history to calculate a credit-based insurance score. This score is then used, in part, to determine your car insurance premium. Drivers with worse credit tend to file more claims, which makes them a higher risk for insurers. In Virginia, drivers with poor credit pay 151 percent more than drivers with excellent credit.

Virginia car insurance rates by vehicle type

Some vehicles, like sports cars and luxury cars, are more expensive to insure. Liability coverage might be pricier if a vehicle has a higher statistical likelihood of an accident, while full coverage may cost more if a vehicle is more expensive to repair or replace. Of the models we analyzed in Virginia, the Honda Odyssey had the cheapest average rate at $1,913 per year for full coverage. The most expensive was a BMW 330i, at $2,588 per year. Keep in mind that this is still below the national average cost for full coverage, which is $2,697 per year.

Estimate your car insurance cost in Virginia

Selecting the best car insurance policy can seem overwhelming. To make things easy, Bankrate created the handy calculator tool below. After entering some basic information, you'll see a rough insurance premium estimate. While this is not an exact quote, knowing what you could expect to pay for car insurance can help you budget accordingly.

How to save on car insurance in Virginia

Although auto insurance premiums in Virginia are lower the national average, you might be able to save by:

• Periodically comparing your current rate: Getting quotes from several car insurance companies could help you find a lower premium for the same coverage.
• Signing up for telematics: Some insurance companies have telematics programs that track your driving habits and discount your premium if you are a safe driver. Be aware that some providers reserve the right to raise your rates if the data show unsafe driving habits.
• Bundling coverage: If you buy home, condo or renters insurance with your auto policy, you could get a discount on both. Bundling discounts are among the most widely available and most impactful savings opportunities.
• Checking with your employer: The company you work for may partner with select insurance providers. Ask your employer about affiliation discounts to find out.

Every company has its own set of discounts, so talking to your agent might be the best way to identify opportunities to save. For example, you might qualify for a loyalty discount if you’ve been insured for a specific period of time with the provider or earn a good student discount if you (or a young driver on your policy) are in high school or college and getting good grades. Most providers allow you to combine discounts to maximize your savings.

Frequently asked questions

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