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Average cost of car insurance in Virginia for 2023

Virginia drivers pay an average of $1,439 per year for full coverage car insurance and $494 per year for minimum coverage.

Updated Mar 20, 2023
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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, $1,439 per year, is 29 percent lower than the national average of $2,014. Minimum coverage in Virginia costs $494 per year, 21 percent lower than the national average of $622. This may indicate that accidents are less common in Virginia, or that the cost of living is lower than the national average, which makes claims more expensive. Where there is a lower risk of claims, rates are generally lower.

Average minimum coverage premium in Virginia Average annual full coverage premium in Virginia
$494 $1,439
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Virginia car insurance rates by city

Car insurance rates vary by city, and Virginia isn’t an 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 five cities and compares each city’s average full coverage premium to the state average.

Virginia city Average annual full coverage premium Percentage change from Virginia average annual full coverage premium
Alexandria $1,538 7%
Chesapeake $1,467 2%
Newport News $1,465 2%
Norfolk $1,543 7%
Richmond $1,467 2%

Average car insurance costs by age and gender in Virginia

How much is car insurance in Virginia for drivers at various ages? 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).

Age Average monthly full coverage premium in Virginia Average annual full coverage premium in Virginia
Age 16* $288 $3,454
Age 18 $441 $5,293
Age 20 $331 $3,975
Age 25 $164 $1,967
Age 30 $133 $1,593
Age 40 $122 $1,458
Age 50 $111 $1,333
Age 60 $107 $1,289
Age 70 $120 $1,435

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age Average monthly full coverage premium in Virginia Average annual full coverage premium in Virginia
Age 16* $249 $2,983
Age 18 $355 $4,256
Age 20 $265 $3,174
Age 25 $148 $1,776
Age 30 $128 $1,540
Age 40 $118 $1,419
Age 50 $109 $1,311
Age 60 $105 $1,265
Age 70 $116 $1,396

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

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 generally 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 then be required to purchase their own car insurance policy.

Age Average annual premium for drivers on their parents' policy in Virginia Average annual premium for drivers on their own policy in Virginia
Age 16 $3,219 N/A*
Age 17 $2,991 N/A*
Age 18 $2,781 $4,775
Age 19 $2,487 $3,916
Age 20 $2,348 $3,575

*16- and 17-year-old drivers must be on their parents’ 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 nearly 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.

Driving incident Average annual full coverage premium in Virginia Percentage increase from Virginia average annual full coverage premium
Clean driving record $1,439 0%
Speeding ticket conviction $1,743 21%
At-fault accident $1,999 39%
DUI conviction $2,799 95%

Car insurance rates in Virginia by credit score

Virginia, like most states, allows insurers to use your credit rating to create a credit-based insurance score. This score is then used, in part, to determine your car insurance premium. Drivers with lower credit scores tend to file more claims, which makes them a higher risk for insurers. In Virginia, there’s a $1,338 difference in average premiums for drivers with poor and excellent credit scores.

Credit tier Average annual full coverage premium in Virginia Percentage change from Virginia average annual full coverage premium
Poor $2,533 76%
Average $1,565 9%
Good $1,439 0%
Excellent $1,195 -17%

Virginia car insurance rates by vehicle type

Lastly, our team took a look at the average car insurance cost in Virginia by the type of vehicle being insured. Some vehicles, like sports or 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 $1,246 per year for full coverage. The most expensive was a BMW 330i, at $1,815 per year. Keep in mind that this is still well below the national average cost for full coverage, which is $2,014 per year.

Vehicle Average annual full coverage premium in Virginia
Toyota Camry $1,439
Ford F-150 $1,254
Honda Odyssey $1,246
BMW 330i $1,815
Toyota Prius $1,571

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 to find a lower premium for the same coverage. If you find a new company, you could switch your insurance to the cheaper provider.
  • Signing up for telematics: Some insurance companies have telematics programs that track your driving habits and discount your premium based on the data received. If you are a safe driver, you could earn a discount.
  • 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: Some companies have special affiliation discounts with select insurance providers that could earn you a discount on your car insurance.

Every company has its own set of discounts, so talking to your agent might be the best way to identify opportunities to save.

Estimate your car insurance cost in Virginia

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor