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Average cost of car insurance in Virginia for 2024
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Virginia drivers pay an average of $1,892 per year for full coverage car insurance and $635 per year for minimum coverage.
Powered by Coverage.com (NPN: 19966249)
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.
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, $1,892 per year, is 18 percent less than the national average of $2,314. Minimum coverage in Virginia costs an average of $635 per year, almost 1 percent less than the national average of $644. 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, the exact amount for how much car insurance in Virginia will cost will vary between drivers.
Key takeaways
- Virginia car insurance rates average $1,892 per year or $158 per month for full coverage and $635 per year or $53 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 $533 per year for full coverage.
- An at-fault accident increases average Virginia full coverage car insurance rates by 38 percent more per year.
- Drivers with excellent credit pay 18 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 ten of the most populous cities and compares each city’s average full coverage premium to the state average.
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| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Shortt Gap | $162 | $1,947 | +3% |
| Whitewood | $175 | $2,099 | +10% |
| Centreville | $163 | $1,954 | +3% |
| Haymarket | $156 | $1,874 | -1% |
| Ashburn | $150 | $1,795 | -5% |
| Reston | $160 | $1,919 | +1% |
| Dulles | $152 | $1,821 | -4% |
| Manassas | $157 | $1,883 | -0% |
| Upperville | $152 | $1,826 | -4% |
| Leesburg | $147 | $1,766 | -7% |
| Hillsville | $152 | $1,829 | -3% |
| Independence | $151 | $1,813 | -4% |
| Blue Grass | $142 | $1,708 | -10% |
| Fort Defiance | $137 | $1,643 | -14% |
| Middlebrook | $140 | $1,681 | -12% |
| West Augusta | $141 | $1,686 | -12% |
| Aldie | $157 | $1,884 | -0% |
| Calverton | $154 | $1,846 | -2% |
| Dry Fork | $165 | $1,976 | +4% |
| Gladstone | $158 | $1,899 | +0% |
| Keeling | $163 | $1,959 | +3% |
| Norwood | $164 | $1,972 | +4% |
| Rustburg | $150 | $1,805 | -5% |
| Sutherlin | $162 | $1,946 | +3% |
| Falls Mills | $165 | $1,985 | +5% |
| Waterford | $152 | $1,824 | -4% |
| Chantilly | $160 | $1,924 | +2% |
| Halifax | $162 | $1,942 | +3% |
| Lynch Station | $153 | $1,836 | -3% |
| Madison Heights | $145 | $1,737 | -9% |
| Virgilina | $164 | $1,967 | +4% |
| Pilgrims Knob | $175 | $2,098 | +10% |
| Richlands | $166 | $1,989 | +5% |
| Vansant | $174 | $2,085 | +10% |
| Fries | $151 | $1,810 | -4% |
| Rural Retreat | $149 | $1,790 | -6% |
| Clifton Forge | $141 | $1,690 | -11% |
| Iron Gate | $140 | $1,674 | -12% |
| Vesuvius | $143 | $1,720 | -10% |
| Lynchburg | $147 | $1,765 | -7% |
| Clifford | $151 | $1,813 | -4% |
| Warrenton | $155 | $1,859 | -2% |
| Evington | $150 | $1,799 | -5% |
| Gladys | $154 | $1,843 | -3% |
| Long Island | $161 | $1,927 | +2% |
| Nathalie | $165 | $1,982 | +5% |
| Scottsville | $165 | $1,976 | +4% |
| Sweet Briar | $154 | $1,854 | -2% |
| Vernon Hill | $167 | $1,998 | +5% |
| Bandy | $166 | $1,991 | +5% |
| Doran | $165 | $1,984 | +5% |
| Hurley | $177 | $2,119 | +11% |
| Jewell Ridge | $167 | $2,004 | +6% |
| Mavisdale | $174 | $2,087 | +10% |
| The Plains | $154 | $1,853 | -2% |
| Sterling | $153 | $1,837 | -3% |
| Amissville | $161 | $1,932 | +2% |
| Marshall | $153 | $1,835 | -3% |
| Portsmouth | $173 | $2,079 | +9% |
| Alberta | $165 | $1,984 | +5% |
| Dolphin | $164 | $1,974 | +4% |
| Newsoms | $161 | $1,938 | +2% |
| Sedley | $164 | $1,965 | +4% |
| Waverly | $169 | $2,030 | +7% |
| Evergreen | $156 | $1,869 | -1% |
| Hampden Sydney | $164 | $1,964 | +4% |
| Church Road | $164 | $1,972 | +4% |
| Lawrenceville | $164 | $1,969 | +4% |
| White Plains | $164 | $1,967 | +4% |
| Yale | $164 | $1,974 | +4% |
| Zuni | $164 | $1,966 | +4% |
| Farmville | $163 | $1,959 | +3% |
| Dundas | $166 | $1,996 | +5% |
| Blackstone | $171 | $2,050 | +8% |
| Chester | $158 | $1,890 | -0% |
| Courtland | $164 | $1,964 | +4% |
| Ford | $165 | $1,975 | +4% |
| Skippers | $162 | $1,942 | +3% |
| Warfield | $164 | $1,974 | +4% |
| Phenix | $165 | $1,985 | +5% |
| Capron | $162 | $1,939 | +2% |
| Chesterfield | $157 | $1,882 | -1% |
| Elberon | $166 | $1,995 | +5% |
| Ivor | $162 | $1,943 | +3% |
| Sussex | $166 | $1,994 | +5% |
| Burkeville | $168 | $2,019 | +6% |
| Cullen | $164 | $1,968 | +4% |
| Meherrin | $163 | $1,956 | +3% |
| Arlington | $162 | $1,940 | +2% |
| Alexandria | $170 | $2,034 | +7% |
| Callao | $155 | $1,856 | -2% |
| Mount Holly | $156 | $1,867 | -1% |
| Fredericksburg | $152 | $1,829 | -3% |
| Coles Point | $156 | $1,872 | -1% |
| Dogue | $157 | $1,887 | -0% |
| Hustle | $152 | $1,825 | -4% |
| Kinsale | $155 | $1,859 | -2% |
| Lively | $153 | $1,834 | -3% |
| Richmond | $162 | $1,944 | +3% |
| Henrico | $157 | $1,878 | -1% |
| Oak Hall | $160 | $1,914 | +1% |
| Elk Creek | $153 | $1,831 | -3% |
| Saltville | $147 | $1,768 | -7% |
| Tannersville | $164 | $1,970 | +4% |
| Troutdale | $150 | $1,794 | -5% |
| Brownsburg | $143 | $1,714 | -10% |
| Hot Springs | $143 | $1,710 | -10% |
| Lexington | $141 | $1,693 | -11% |
| Altavista | $152 | $1,825 | -4% |
| Big Island | $153 | $1,835 | -3% |
| Crystal Hill | $163 | $1,952 | +3% |
| Monroe | $149 | $1,793 | -5% |
| Natural Bridge Station | $143 | $1,720 | -10% |
| Amonate | $166 | $1,997 | +5% |
| Maxie | $168 | $2,021 | +7% |
| Oakwood | $174 | $2,089 | +10% |
| Pembroke | $150 | $1,798 | -5% |
| Rich Creek | $151 | $1,806 | -5% |
| Fort Blackmore | $154 | $1,848 | -2% |
| Haysi | $173 | $2,072 | +9% |
| Nora | $164 | $1,966 | +4% |
| Saint Charles | $161 | $1,935 | +2% |
| Austinville | $151 | $1,807 | -5% |
| Radford | $137 | $1,647 | -14% |
| Andover | $158 | $1,893 | +0% |
| Bee | $163 | $1,959 | +3% |
| Ewing | $162 | $1,950 | +3% |
| Jonesville | $161 | $1,928 | +2% |
| Mc Clure | $164 | $1,970 | +4% |
| Norton | $158 | $1,892 | -0% |
| Pound | $167 | $2,009 | +6% |
| Bland | $156 | $1,870 | -1% |
| New River | $148 | $1,775 | -6% |
| Villamont | $150 | $1,803 | -5% |
| Bristol | $144 | $1,731 | -9% |
| Abingdon | $147 | $1,761 | -7% |
| Hiltons | $154 | $1,849 | -2% |
| Ceres | $158 | $1,895 | +0% |
| Ridgeway | $159 | $1,903 | +1% |
| Woolwine | $156 | $1,872 | -1% |
| Blackwater | $161 | $1,938 | +2% |
| Gate City | $154 | $1,852 | -2% |
| Honaker | $158 | $1,900 | +0% |
| Saint Paul | $161 | $1,927 | +2% |
| Cana | $152 | $1,821 | -4% |
| Crockett | $149 | $1,787 | -6% |
| Redwood | $157 | $1,885 | -0% |
| Salem | $137 | $1,643 | -14% |
| Roanoke | $141 | $1,697 | -11% |
| Stanleytown | $158 | $1,892 | -0% |
| Damascus | $149 | $1,789 | -6% |
| Pulaski | $147 | $1,763 | -7% |
| Cripple Creek | $150 | $1,801 | -5% |
| Parrott | $147 | $1,769 | -7% |
| Patrick Springs | $155 | $1,859 | -2% |
| Pittsville | $164 | $1,962 | +4% |
| Riner | $136 | $1,628 | -15% |
| Staffordsville | $149 | $1,789 | -6% |
| Troutville | $141 | $1,693 | -11% |
| Clintwood | $173 | $2,074 | +9% |
| Duffield | $156 | $1,868 | -1% |
| Rose Hill | $162 | $1,947 | +3% |
| Lambsburg | $151 | $1,815 | -4% |
| Speedwell | $150 | $1,805 | -5% |
| Meadowview | $149 | $1,791 | -6% |
| Sugar Grove | $148 | $1,780 | -6% |
| Staunton | $135 | $1,620 | -15% |
| Goshen | $143 | $1,715 | -10% |
| Alton | $164 | $1,972 | +4% |
| Blairs | $164 | $1,970 | +4% |
| Sandy Level | $162 | $1,949 | +3% |
| Davenport | $173 | $2,072 | +9% |
| Dryden | $161 | $1,929 | +2% |
| Whitetop | $150 | $1,797 | -5% |
| Wise | $159 | $1,904 | +1% |
| Broadford | $158 | $1,900 | +0% |
| Woodbridge | $166 | $1,989 | +5% |
| Gainesville | $151 | $1,807 | -5% |
| Herndon | $160 | $1,919 | +1% |
| Middleburg | $153 | $1,841 | -3% |
| Bristow | $156 | $1,869 | -1% |
| Delaplane | $154 | $1,847 | -2% |
| Saxis | $159 | $1,912 | +1% |
| Suffolk | $161 | $1,927 | +2% |
| Virginia Beach | $164 | $1,969 | +4% |
| Wardtown | $157 | $1,888 | -0% |
| Wattsville | $158 | $1,897 | +0% |
| Norfolk | $173 | $2,081 | +10% |
| Fort Monroe | $165 | $1,979 | +4% |
| Hampton | $164 | $1,968 | +4% |
| Seaford | $144 | $1,733 | -9% |
| Gretna | $162 | $1,948 | +3% |
| Hurt | $160 | $1,922 | +2% |
| Naruna | $155 | $1,865 | -1% |
| Raven | $167 | $2,008 | +6% |
| Tazewell | $164 | $1,972 | +4% |
| Danville | $160 | $1,919 | +1% |
| Ringgold | $161 | $1,938 | +2% |
| Breaks | $168 | $2,018 | +6% |
| Pocahontas | $171 | $2,058 | +8% |
| Rowe | $172 | $2,065 | +9% |
| Bluemont | $151 | $1,817 | -4% |
| Lovettsville | $153 | $1,837 | -3% |
| Rectortown | $153 | $1,838 | -3% |
| Nokesville | $154 | $1,844 | -3% |
| Paris | $146 | $1,757 | -7% |
| Purcellville | $151 | $1,814 | -4% |
| Sanford | $159 | $1,905 | +1% |
| Smithfield | $162 | $1,943 | +3% |
| Catlett | $152 | $1,828 | -3% |
| Paeonian Springs | $151 | $1,811 | -4% |
| Tangier | $160 | $1,921 | +1% |
| Lackey | $146 | $1,749 | -8% |
| Glasgow | $143 | $1,710 | -10% |
| Goode | $152 | $1,823 | -4% |
| Java | $163 | $1,958 | +3% |
| Scottsburg | $162 | $1,949 | +3% |
| South Boston | $163 | $1,957 | +3% |
| Boissevain | $166 | $1,986 | +5% |
| Burkes Garden | $166 | $1,996 | +5% |
| North Tazewell | $165 | $1,982 | +5% |
| Swords Creek | $158 | $1,892 | -0% |
| Forest | $148 | $1,776 | -6% |
| Grundy | $175 | $2,103 | +11% |
| Keen Mountain | $168 | $2,015 | +6% |
| Skipwith | $166 | $1,988 | +5% |
| Ararat | $155 | $1,858 | -2% |
| Christiansburg | $134 | $1,606 | -16% |
| Cascade | $162 | $1,949 | +3% |
| Henry | $159 | $1,902 | +1% |
| Lincoln | $151 | $1,806 | -5% |
| Meadows Of Dan | $156 | $1,870 | -1% |
| Casanova | $154 | $1,849 | -2% |
| Clifton | $163 | $1,951 | +3% |
| Hamilton | $150 | $1,800 | -5% |
| Seaview | $160 | $1,926 | +2% |
| Newport News | $164 | $1,964 | +4% |
| Lowry | $151 | $1,811 | -4% |
| Natural Bridge | $142 | $1,705 | -10% |
| Bluefield | $166 | $1,987 | +5% |
| Wolford | $176 | $2,108 | +11% |
| Belspring | $145 | $1,744 | -8% |
| Blue Ridge | $144 | $1,723 | -9% |
| Dublin | $146 | $1,751 | -8% |
| Newbern | $150 | $1,800 | -5% |
| Pleasant Valley | $135 | $1,620 | -16% |
| Charlottesville | $152 | $1,830 | -3% |
| Cartersville | $170 | $2,036 | +7% |
| Christchurch | $151 | $1,817 | -4% |
| Cobbs Creek | $156 | $1,867 | -1% |
| Deltaville | $155 | $1,859 | -2% |
| Reedville | $155 | $1,865 | -1% |
| Unionville | $162 | $1,945 | +3% |
| Zacata | $161 | $1,935 | +2% |
| Fishers Hill | $137 | $1,642 | -14% |
| Rileyville | $144 | $1,726 | -9% |
| Richardsville | $161 | $1,931 | +2% |
| Rixeyville | $163 | $1,950 | +3% |
| Somerville | $160 | $1,925 | +2% |
| Harrisonburg | $134 | $1,607 | -16% |
| Edinburg | $135 | $1,622 | -15% |
| Arrington | $157 | $1,880 | -1% |
| Glade Spring | $150 | $1,802 | -5% |
| Marion | $147 | $1,765 | -7% |
| Bacova | $143 | $1,713 | -10% |
| Covington | $142 | $1,699 | -11% |
| Doe Hill | $142 | $1,699 | -11% |
| Raphine | $138 | $1,659 | -13% |
| Selma | $140 | $1,677 | -12% |
| Swoope | $139 | $1,665 | -13% |
| Weyers Cave | $134 | $1,614 | -16% |
| Buffalo Junction | $165 | $1,979 | +4% |
| Pilot | $137 | $1,644 | -14% |
| Ripplemead | $151 | $1,808 | -5% |
| Big Stone Gap | $158 | $1,891 | -0% |
| Cleveland | $158 | $1,894 | +0% |
| Lebanon | $161 | $1,928 | +2% |
| Rosedale | $158 | $1,890 | -0% |
| Draper | $148 | $1,777 | -6% |
| Dugspur | $150 | $1,805 | -5% |
| Max Meadows | $150 | $1,805 | -5% |
| Woodlawn | $151 | $1,812 | -4% |
| Crimora | $138 | $1,651 | -14% |
| Grottoes | $138 | $1,652 | -14% |
| Montebello | $155 | $1,857 | -2% |
| Steeles Tavern | $136 | $1,631 | -15% |
| Warm Springs | $144 | $1,723 | -9% |
| Clover | $163 | $1,956 | +3% |
| Gloucester | $155 | $1,859 | -2% |
| Grimstead | $152 | $1,828 | -3% |
| Gwynn | $154 | $1,853 | -2% |
| Hallieford | $155 | $1,863 | -2% |
| Mechanicsville | $152 | $1,827 | -4% |
| Norge | $147 | $1,760 | -7% |
| Quinton | $154 | $1,853 | -2% |
| State Farm | $163 | $1,959 | +3% |
| Toano | $142 | $1,704 | -10% |
| Trevilians | $165 | $1,975 | +4% |
| University Of Richmond | $163 | $1,951 | +3% |
| West Point | $155 | $1,866 | -1% |
| Hiwassee | $149 | $1,783 | -6% |
| Ivanhoe | $150 | $1,796 | -5% |
| Craigsville | $141 | $1,692 | -11% |
| Low Moor | $140 | $1,677 | -12% |
| Mc Dowell | $143 | $1,716 | -10% |
| Mount Sidney | $136 | $1,637 | -14% |
| Stuarts Draft | $137 | $1,640 | -14% |
| Williamsville | $143 | $1,713 | -10% |
| Bedford | $154 | $1,845 | -3% |
| Brookneal | $157 | $1,878 | -1% |
| Willis | $153 | $1,837 | -3% |
| Deerfield | $140 | $1,677 | -12% |
| Greenville | $140 | $1,675 | -12% |
| Mustoe | $142 | $1,703 | -11% |
| Verona | $136 | $1,636 | -15% |
| Amherst | $149 | $1,785 | -6% |
| Concord | $153 | $1,838 | -3% |
| Mouth Of Wilson | $154 | $1,846 | -2% |
| Rocky Gap | $158 | $1,899 | +0% |
| Churchville | $139 | $1,673 | -12% |
| Fairfield | $142 | $1,700 | -11% |
| Monterey | $144 | $1,726 | -9% |
| Port Republic | $135 | $1,625 | -15% |
| Rockbridge Baths | $143 | $1,719 | -10% |
| Chatham | $163 | $1,954 | +3% |
| Bridgewater | $135 | $1,616 | -16% |
| Mount Crawford | $135 | $1,619 | -16% |
| Earlysville | $155 | $1,863 | -2% |
| Lyndhurst | $137 | $1,645 | -14% |
| Somerset | $163 | $1,957 | +3% |
| Ashland | $151 | $1,808 | -5% |
| Cardinal | $157 | $1,883 | -1% |
| Oriskany | $149 | $1,792 | -5% |
| Paint Bank | $145 | $1,739 | -8% |
| Coeburn | $158 | $1,895 | +0% |
| Dungannon | $159 | $1,914 | +1% |
| East Stone Gap | $163 | $1,953 | +3% |
| Keokee | $161 | $1,930 | +2% |
| Pennington Gap | $162 | $1,939 | +2% |
| Weber City | $154 | $1,844 | -3% |
| Stuart | $155 | $1,857 | -2% |
| Thaxton | $149 | $1,794 | -5% |
| Ben Hur | $160 | $1,919 | +1% |
| Mendota | $152 | $1,819 | -4% |
| Nickelsville | $160 | $1,919 | +1% |
| Bastian | $160 | $1,915 | +1% |
| Wytheville | $149 | $1,790 | -6% |
| Glen Wilton | $143 | $1,712 | -10% |
| Head Waters | $142 | $1,707 | -10% |
| Millboro | $145 | $1,737 | -9% |
| Appomattox | $153 | $1,834 | -3% |
| Pearisburg | $149 | $1,786 | -6% |
| Rocky Mount | $162 | $1,940 | +2% |
| Spencer | $158 | $1,892 | -0% |
| Union Hall | $162 | $1,939 | +2% |
| Vinton | $146 | $1,748 | -8% |
| Wirtz | $161 | $1,933 | +2% |
| Appalachia | $157 | $1,882 | -1% |
| Castlewood | $161 | $1,934 | +2% |
| Dante | $159 | $1,907 | +1% |
| Barren Springs | $153 | $1,832 | -3% |
| Chilhowie | $148 | $1,778 | -6% |
| Cross Junction | $141 | $1,696 | -11% |
| Star Tannery | $139 | $1,673 | -12% |
| Stephenson | $140 | $1,683 | -12% |
| Toms Brook | $137 | $1,640 | -14% |
| Culpeper | $160 | $1,919 | +1% |
| Hood | $160 | $1,919 | +1% |
| University of Richmond | $163 | $1,951 | +3% |
| Chesapeake | $162 | $1,939 | +2% |
| Colonial Heights | $157 | $1,884 | -0% |
| Winchester | $140 | $1,674 | -12% |
| Falls Church | $167 | $2,007 | +6% |
| Buena Vista | $141 | $1,688 | -11% |
| Mint Spring | $138 | $1,653 | -14% |
| Callands | $164 | $1,968 | +4% |
| Coleman Falls | $150 | $1,805 | -5% |
| Philomont | $152 | $1,819 | -4% |
| Round Hill | $151 | $1,814 | -4% |
| Broad Run | $152 | $1,825 | -4% |
| Penhook | $160 | $1,918 | +1% |
| Shawsville | $137 | $1,645 | -14% |
| Vesta | $158 | $1,897 | +0% |
| Birchleaf | $174 | $2,086 | +10% |
| Clinchco | $172 | $2,068 | +9% |
| Atkins | $146 | $1,752 | -8% |
| Burke | $165 | $1,981 | +5% |
| Mc Lean | $164 | $1,964 | +4% |
| Quantico | $159 | $1,914 | +1% |
| Springfield | $169 | $2,024 | +7% |
| Vienna | $162 | $1,944 | +3% |
| Rescue | $160 | $1,922 | +2% |
| Yorktown | $146 | $1,747 | -8% |
| Quinby | $160 | $1,916 | +1% |
| Poquoson | $148 | $1,781 | -6% |
| Petersburg | $158 | $1,901 | +0% |
| Boykins | $162 | $1,949 | +3% |
| Drewryville | $161 | $1,930 | +2% |
| Boydton | $165 | $1,985 | +5% |
| Pamplin | $157 | $1,887 | -0% |
| Red Oak | $166 | $1,998 | +5% |
| Rice | $165 | $1,985 | +5% |
| Willis Wharf | $157 | $1,888 | -0% |
| Glen Allen | $151 | $1,810 | -4% |
| Tasley | $159 | $1,911 | +1% |
| Fort Lee | $155 | $1,863 | -2% |
| Virginia State University | $159 | $1,904 | +1% |
| Ammon | $163 | $1,959 | +3% |
| Kents Store | $161 | $1,931 | +2% |
| Midlothian | $154 | $1,844 | -3% |
| White Stone | $152 | $1,826 | -4% |
| Leon | $161 | $1,937 | +2% |
| Carson | $163 | $1,954 | +3% |
| Disputanta | $155 | $1,866 | -1% |
| Valentines | $164 | $1,966 | +4% |
| Drakes Branch | $164 | $1,967 | +4% |
| Fort Mitchell | $166 | $1,996 | +5% |
| Ruther Glen | $155 | $1,855 | -2% |
| Chester Gap | $157 | $1,888 | -0% |
| Hume | $154 | $1,850 | -2% |
| Goldvein | $157 | $1,882 | -1% |
| Haywood | $162 | $1,943 | +3% |
| Sumerduck | $158 | $1,895 | +0% |
| Dumfries | $163 | $1,961 | +4% |
| Fairfax | $162 | $1,941 | +3% |
| Dunnsville | $156 | $1,866 | -1% |
| Greenway | $163 | $1,953 | +3% |
| Merrifield | $166 | $1,996 | +5% |
| West Mclean | $167 | $1,999 | +5% |
| Champlain | $155 | $1,862 | -2% |
| Kilmarnock | $156 | $1,874 | -1% |
| Ninde | $157 | $1,882 | -1% |
| Brooke | $161 | $1,926 | +2% |
| Irvington | $156 | $1,872 | -1% |
| Laneview | $154 | $1,844 | -3% |
| Lottsburg | $155 | $1,861 | -2% |
| Morattico | $152 | $1,827 | -4% |
| Nuttsville | $153 | $1,833 | -3% |
| Dinwiddie | $164 | $1,966 | +4% |
| Prince George | $157 | $1,887 | -0% |
| Charlotte Court House | $165 | $1,983 | +5% |
| Crewe | $169 | $2,023 | +7% |
| Keysville | $165 | $1,977 | +4% |
| Nottoway | $167 | $2,005 | +6% |
| Triangle | $161 | $1,938 | +2% |
| Hacksneck | $159 | $1,909 | +1% |
| Painter | $159 | $1,911 | +1% |
| Ruckersville | $160 | $1,918 | +1% |
| Beaumont | $158 | $1,899 | +0% |
| Bremo Bluff | $163 | $1,956 | +3% |
| Church View | $155 | $1,866 | -1% |
| Singers Glen | $136 | $1,629 | -15% |
| Afton | $156 | $1,869 | -1% |
| Barboursville | $160 | $1,922 | +2% |
| Roseland | $157 | $1,880 | -1% |
| Aylett | $157 | $1,884 | -0% |
| Annandale | $169 | $2,030 | +7% |
| Fort Belvoir | $173 | $2,079 | +9% |
| Fort Myer | $160 | $1,922 | +2% |
| Dendron | $167 | $2,004 | +6% |
| Ebony | $163 | $1,954 | +3% |
| Freeman | $164 | $1,963 | +4% |
| Jarratt | $163 | $1,952 | +3% |
| Sutherland | $162 | $1,949 | +3% |
| Wakefield | $167 | $2,000 | +6% |
| Dillwyn | $169 | $2,022 | +7% |
| Randolph | $163 | $1,960 | +4% |
| Howardsville | $162 | $1,944 | +3% |
| Wingina | $164 | $1,969 | +4% |
| Big Rock | $177 | $2,119 | +11% |
| Bishop | $170 | $2,043 | +8% |
| Pounding Mill | $165 | $1,978 | +4% |
| Red Ash | $165 | $1,985 | +5% |
| Sealston | $157 | $1,886 | -0% |
| Wicomico Church | $153 | $1,833 | -3% |
| Clear Brook | $141 | $1,688 | -11% |
| Linden | $147 | $1,768 | -7% |
| Middletown | $141 | $1,695 | -11% |
| Saint Stephens Church | $159 | $1,906 | +1% |
| Saluda | $155 | $1,865 | -1% |
| Studley | $155 | $1,857 | -2% |
| Susan | $156 | $1,876 | -1% |
| Williamsburg | $141 | $1,696 | -11% |
| Prospect | $161 | $1,933 | +2% |
| Caret | $156 | $1,873 | -1% |
| Center Cross | $154 | $1,851 | -2% |
| Dahlgren | $154 | $1,848 | -2% |
| Hague | $155 | $1,864 | -1% |
| King George | $158 | $1,898 | +0% |
| Merry Point | $153 | $1,832 | -3% |
| Partlow | $153 | $1,836 | -3% |
| Rappahannock Academy | $161 | $1,928 | +2% |
| Mascot | $152 | $1,827 | -4% |
| Moseley | $156 | $1,877 | -1% |
| Accomac | $157 | $1,885 | -0% |
| Onancock | $160 | $1,921 | +2% |
| Bowling Green | $161 | $1,935 | +2% |
| Heathsville | $155 | $1,865 | -1% |
| Oldhams | $155 | $1,861 | -2% |
| Ophelia | $151 | $1,811 | -4% |
| Port Royal | $161 | $1,937 | +2% |
| Birdsnest | $158 | $1,899 | +0% |
| Cape Charles | $158 | $1,893 | +0% |
| Franktown | $159 | $1,909 | +1% |
| Harborton | $159 | $1,911 | +1% |
| South Hill | $162 | $1,943 | +3% |
| Blacksburg | $133 | $1,591 | -17% |
| Critz | $165 | $1,977 | +4% |
| Eagle Rock | $144 | $1,727 | -9% |
| Floyd | $156 | $1,872 | -1% |
| Indian Valley | $153 | $1,833 | -3% |
| Pratts | $160 | $1,926 | +2% |
| Wolftown | $160 | $1,922 | +2% |
| Dutton | $156 | $1,869 | -1% |
| Mannboro | $171 | $2,051 | +8% |
| New Canton | $170 | $2,036 | +7% |
| Sandston | $153 | $1,839 | -3% |
| Ware Neck | $157 | $1,880 | -1% |
| Oakton | $162 | $1,945 | +3% |
| Edwardsville | $155 | $1,860 | -2% |
| Ladysmith | $156 | $1,870 | -1% |
| Temperanceville | $158 | $1,901 | +0% |
| Emporia | $163 | $1,952 | +3% |
| Franklin | $164 | $1,968 | +4% |
| Hopewell | $157 | $1,886 | -0% |
| Mc Kenney | $164 | $1,971 | +4% |
| Meredithville | $161 | $1,933 | +2% |
| Surry | $164 | $1,972 | +4% |
| Buckingham | $167 | $2,010 | +6% |
| Chase City | $166 | $1,987 | +5% |
| La Crosse | $163 | $1,958 | +3% |
| Colonial Beach | $157 | $1,890 | -0% |
| Mollusk | $153 | $1,834 | -3% |
| Rockville | $152 | $1,821 | -4% |
| Schley | $153 | $1,839 | -3% |
| Woods Cross Roads | $151 | $1,811 | -4% |
| Ordinary | $156 | $1,869 | -1% |
| Diggs | $155 | $1,861 | -2% |
| Maryus | $156 | $1,870 | -1% |
| Mineral | $163 | $1,961 | +4% |
| Shacklefords | $157 | $1,888 | -0% |
| Dunn Loring | $164 | $1,973 | +4% |
| Jersey | $161 | $1,933 | +2% |
| Gum Spring | $161 | $1,936 | +2% |
| Hartfield | $155 | $1,863 | -2% |
| King And Queen Court House | $157 | $1,887 | -0% |
| King William | $156 | $1,872 | -1% |
| Manakin Sabot | $160 | $1,917 | +1% |
| Mattaponi | $156 | $1,878 | -1% |
| New Kent | $155 | $1,858 | -2% |
| Walkerton | $166 | $1,991 | +5% |
| Doswell | $152 | $1,827 | -3% |
| Hanover | $153 | $1,832 | -3% |
| Locust Hill | $155 | $1,866 | -1% |
| Townsend | $159 | $1,905 | +1% |
| Wachapreague | $158 | $1,893 | +0% |
| Windsor | $159 | $1,914 | +1% |
| Fort Eustis | $162 | $1,941 | +3% |
| Cloverdale | $140 | $1,680 | -12% |
| Glen Lyn | $151 | $1,811 | -4% |
| Martinsville | $160 | $1,917 | +1% |
| Saxe | $163 | $1,959 | +3% |
| Copper Hill | $159 | $1,905 | +1% |
| Machipongo | $158 | $1,901 | +0% |
| Onley | $158 | $1,893 | +0% |
| Ivy | $154 | $1,851 | -2% |
| Bena | $152 | $1,829 | -3% |
| Charles City | $158 | $1,895 | +0% |
| Daleville | $141 | $1,693 | -11% |
| Fincastle | $143 | $1,713 | -10% |
| Moneta | $155 | $1,860 | -2% |
| Wilsons | $164 | $1,973 | +4% |
| Bracey | $163 | $1,953 | +3% |
| Clarksville | $166 | $1,993 | +5% |
| Lunenburg | $169 | $2,028 | +7% |
| Victoria | $169 | $2,024 | +7% |
| Claudville | $155 | $1,858 | -2% |
| Bassett | $156 | $1,874 | -1% |
| Buchanan | $144 | $1,732 | -9% |
| Goodview | $151 | $1,814 | -4% |
| Axton | $164 | $1,964 | +4% |
| Catawba | $138 | $1,653 | -13% |
| Collinsville | $156 | $1,871 | -1% |
| Ferrum | $160 | $1,915 | +1% |
| Narrows | $151 | $1,808 | -5% |
| Newport | $149 | $1,788 | -6% |
| Assawoman | $160 | $1,919 | +1% |
| Carrsville | $162 | $1,944 | +3% |
| Craddockville | $159 | $1,907 | +1% |
| Hallwood | $158 | $1,893 | +0% |
| Wylliesburg | $164 | $1,962 | +4% |
| Boones Mill | $156 | $1,873 | -1% |
| Eggleston | $150 | $1,798 | -5% |
| Glade Hill | $160 | $1,925 | +2% |
| Hardy | $151 | $1,812 | -4% |
| Montvale | $151 | $1,810 | -4% |
| Fancy Gap | $152 | $1,820 | -4% |
| Galax | $152 | $1,829 | -3% |
| Laurel Fork | $152 | $1,820 | -4% |
| Bealeton | $156 | $1,869 | -1% |
| Elkwood | $161 | $1,938 | +2% |
| Jeffersonton | $161 | $1,933 | +2% |
| Reva | $160 | $1,917 | +1% |
| Lorton | $170 | $2,042 | +8% |
| Fork Union | $161 | $1,933 | +2% |
| Gloucester Point | $155 | $1,857 | -2% |
| Hadensville | $164 | $1,964 | +4% |
| Little Plymouth | $157 | $1,880 | -1% |
| Louisa | $163 | $1,956 | +3% |
| Moon | $156 | $1,870 | -1% |
| New Point | $156 | $1,873 | -1% |
| Newtown | $156 | $1,871 | -1% |
| Oilville | $161 | $1,936 | +2% |
| Powhatan | $167 | $1,999 | +5% |
| Gasburg | $163 | $1,958 | +3% |
| Spring Grove | $162 | $1,949 | +3% |
| Brodnax | $163 | $1,958 | +3% |
| Kenbridge | $168 | $2,021 | +7% |
| Hayes | $154 | $1,849 | -2% |
| North | $157 | $1,884 | -0% |
| Burgess | $155 | $1,864 | -2% |
| Corbin | $156 | $1,872 | -1% |
| Farnham | $155 | $1,858 | -2% |
| Haynesville | $155 | $1,857 | -2% |
| Milford | $156 | $1,870 | -1% |
| Port Haywood | $157 | $1,878 | -1% |
| Wake | $155 | $1,864 | -2% |
| Wicomico | $152 | $1,823 | -4% |
| Stratford | $155 | $1,864 | -2% |
| Village | $152 | $1,821 | -4% |
| Sandy Point | $158 | $1,900 | +0% |
| Orlean | $155 | $1,856 | -2% |
| Withams | $156 | $1,873 | -1% |
| Bruington | $159 | $1,909 | +1% |
| Burr Hill | $161 | $1,928 | +2% |
| Lancaster | $156 | $1,875 | -1% |
| Locust Grove | $161 | $1,931 | +2% |
| Loretto | $156 | $1,871 | -1% |
| Montross | $156 | $1,867 | -1% |
| Nelson | $165 | $1,982 | +5% |
| Spout Spring | $153 | $1,836 | -3% |
| Cedar Bluff | $164 | $1,971 | +4% |
| Great Falls | $165 | $1,977 | +4% |
| Bent Mountain | $140 | $1,680 | -12% |
| Callaway | $161 | $1,927 | +2% |
| Check | $159 | $1,913 | +1% |
| Fieldale | $158 | $1,890 | -0% |
| Mc Coy | $140 | $1,683 | -12% |
| New Castle | $147 | $1,760 | -7% |
| Aroda | $161 | $1,935 | +2% |
| Brandy Station | $162 | $1,939 | +2% |
| Brightwood | $161 | $1,934 | +2% |
| North Garden | $155 | $1,861 | -2% |
| Waynesboro | $136 | $1,637 | -14% |
| Achilles | $154 | $1,852 | -2% |
| Barhamsville | $156 | $1,868 | -1% |
| Stafford | $154 | $1,847 | -2% |
| Front Royal | $144 | $1,723 | -9% |
| Madison | $160 | $1,923 | +2% |
| Midland | $158 | $1,895 | +0% |
| Rochelle | $162 | $1,947 | +3% |
| Syria | $158 | $1,900 | +0% |
| Woodville | $161 | $1,934 | +2% |
| Wallops Island | $159 | $1,907 | +1% |
| Davis Wharf | $154 | $1,843 | -3% |
| Eastville | $160 | $1,924 | +2% |
| Greenbush | $158 | $1,898 | +0% |
| Branchville | $162 | $1,938 | +2% |
| Dewitt | $165 | $1,976 | +4% |
| Rawlings | $166 | $1,994 | +5% |
| Stony Creek | $164 | $1,966 | +4% |
| Claremont | $164 | $1,970 | +4% |
| Baskerville | $164 | $1,968 | +4% |
| Green Bay | $165 | $1,980 | +5% |
| Red House | $164 | $1,968 | +4% |
| Goochland | $164 | $1,963 | +4% |
| Hardyville | $155 | $1,862 | -2% |
| Jetersville | $171 | $2,053 | +8% |
| Mathews | $156 | $1,877 | -1% |
| Millers Tavern | $149 | $1,790 | -6% |
| Sandy Hook | $162 | $1,943 | +3% |
| Severn | $153 | $1,839 | -3% |
| Montpelier | $154 | $1,844 | -3% |
| Palmyra | $159 | $1,913 | +1% |
| Quinque | $156 | $1,877 | -1% |
| Amelia Court House | $172 | $2,067 | +9% |
| Bohannon | $156 | $1,874 | -1% |
| Tappahannock | $155 | $1,865 | -1% |
| Capeville | $160 | $1,921 | +1% |
| Carrollton | $163 | $1,956 | +3% |
| Jenkins Bridge | $158 | $1,893 | +0% |
| Battery Park | $161 | $1,927 | +2% |
| Bloxom | $157 | $1,887 | -0% |
| Greenbackville | $159 | $1,902 | +1% |
| Isle Of Wight | $160 | $1,922 | +2% |
| Jamesville | $159 | $1,912 | +1% |
| Pungoteague | $159 | $1,909 | +1% |
| Chincoteague Island | $159 | $1,913 | +1% |
| Mears | $159 | $1,908 | +1% |
| New Church | $160 | $1,918 | +1% |
| Exmore | $160 | $1,915 | +1% |
| Horntown | $159 | $1,914 | +1% |
| Keller | $159 | $1,910 | +1% |
| Locustville | $158 | $1,891 | -0% |
| Marionville | $159 | $1,906 | +1% |
| Nelsonia | $160 | $1,917 | +1% |
| Oyster | $158 | $1,900 | +0% |
| Atlantic | $159 | $1,911 | +1% |
| Belle Haven | $159 | $1,905 | +1% |
| Melfa | $159 | $1,912 | +1% |
| Modest Town | $159 | $1,905 | +1% |
| Nassawadox | $159 | $1,904 | +1% |
| Parksley | $157 | $1,890 | -0% |
| Fairfax Station | $165 | $1,975 | +4% |
| Mount Jackson | $135 | $1,622 | -15% |
| Hinton | $135 | $1,617 | -16% |
| Batesville | $157 | $1,878 | -1% |
| Crozet | $155 | $1,861 | -2% |
| Gordonsville | $163 | $1,953 | +3% |
| Warsaw | $151 | $1,816 | -4% |
| Woodford | $161 | $1,936 | +2% |
| Berryville | $142 | $1,705 | -10% |
| Gore | $142 | $1,698 | -11% |
| Stephens City | $139 | $1,670 | -12% |
| White Post | $140 | $1,677 | -12% |
| Radiant | $162 | $1,946 | +3% |
| Viewtown | $159 | $1,906 | +1% |
| Hudgins | $150 | $1,800 | -5% |
| Manquin | $158 | $1,900 | +0% |
| Onemo | $156 | $1,869 | -1% |
| Providence Forge | $155 | $1,863 | -2% |
| Stevensville | $156 | $1,877 | -1% |
| Topping | $155 | $1,862 | -2% |
| Urbanna | $155 | $1,862 | -2% |
| Water View | $154 | $1,850 | -2% |
| White Marsh | $152 | $1,826 | -4% |
| Esmont | $157 | $1,885 | -0% |
| Orange | $164 | $1,966 | +4% |
| Piney River | $156 | $1,875 | -1% |
| Shipman | $157 | $1,885 | -0% |
| Troy | $163 | $1,955 | +3% |
| Arvonia | $168 | $2,015 | +6% |
| Cumberland | $171 | $2,052 | +8% |
| Elkton | $141 | $1,687 | -12% |
| Mount Solon | $136 | $1,636 | -15% |
| Orkney Springs | $136 | $1,627 | -15% |
| Penn Laird | $135 | $1,623 | -15% |
| Faber | $155 | $1,866 | -1% |
| Fishersville | $135 | $1,626 | -15% |
| Stevensburg | $161 | $1,932 | +2% |
| Woodstock | $134 | $1,613 | -16% |
| Castleton | $162 | $1,939 | +2% |
| Etlan | $160 | $1,922 | +2% |
| Keezletown | $136 | $1,632 | -15% |
| Mc Gaheysville | $136 | $1,629 | -15% |
| Timberville | $135 | $1,619 | -16% |
| Greenwood | $153 | $1,841 | -3% |
| Keswick | $159 | $1,911 | +1% |
| Lovingston | $157 | $1,883 | -1% |
| Stanardsville | $159 | $1,911 | +1% |
| Oakpark | $162 | $1,940 | +2% |
| Rapidan | $161 | $1,931 | +2% |
| Thornburg | $152 | $1,829 | -3% |
| Boyce | $142 | $1,699 | -11% |
| Brucetown | $141 | $1,686 | -12% |
| Flint Hill | $161 | $1,936 | +2% |
| Huntly | $157 | $1,883 | -1% |
| Markham | $154 | $1,847 | -2% |
| Maurertown | $136 | $1,638 | -14% |
| Millwood | $142 | $1,702 | -11% |
| Fort Valley | $137 | $1,646 | -14% |
| Keene | $155 | $1,865 | -1% |
| Nellysford | $157 | $1,882 | -1% |
| Ark | $155 | $1,857 | -2% |
| Beaverdam | $154 | $1,849 | -2% |
| Columbia | $167 | $2,007 | +6% |
| Bergton | $136 | $1,628 | -15% |
| Criders | $137 | $1,640 | -14% |
| Dayton | $134 | $1,611 | -16% |
| Lacey Spring | $136 | $1,628 | -15% |
| Covesville | $155 | $1,855 | -2% |
| Locust Dale | $161 | $1,933 | +2% |
| Montpelier Station | $161 | $1,930 | +2% |
| Schuyler | $158 | $1,895 | +0% |
| Tyro | $155 | $1,860 | -2% |
| Bumpass | $157 | $1,890 | -0% |
| Rollins Fork | $158 | $1,896 | +0% |
| Spotsylvania | $155 | $1,858 | -2% |
| Weems | $156 | $1,872 | -1% |
| Strasburg | $137 | $1,648 | -14% |
| Fulks Run | $134 | $1,604 | -17% |
| Luray | $139 | $1,666 | -13% |
| New Market | $137 | $1,639 | -14% |
| Shenandoah | $140 | $1,675 | -12% |
| Stanley | $141 | $1,697 | -11% |
| Crozier | $161 | $1,932 | +2% |
| Banco | $163 | $1,951 | +3% |
| Lignum | $161 | $1,935 | +2% |
| Mitchells | $160 | $1,915 | +1% |
| Remington | $156 | $1,876 | -1% |
| Washington | $161 | $1,931 | +2% |
| Basye | $136 | $1,633 | -15% |
| Free Union | $155 | $1,856 | -2% |
| Rhoadesville | $161 | $1,930 | +2% |
| Ruby | $155 | $1,859 | -2% |
| Sharps | $151 | $1,813 | -4% |
| Sparta | $157 | $1,882 | -1% |
| Bentonville | $145 | $1,740 | -8% |
| Boston | $162 | $1,939 | +2% |
| Sperryville | $161 | $1,938 | +2% |
| Broadway | $135 | $1,618 | -16% |
| Linville | $136 | $1,628 | -15% |
| Quicksburg | $135 | $1,624 | -15% |
| Dyke | $159 | $1,913 | +1% |
| Catharpin | $154 | $1,847 | -2% |
| Foster | $156 | $1,869 | -1% |
| Jamaica | $155 | $1,855 | -2% |
| Lanexa | $157 | $1,881 | -1% |
| Maidens | $162 | $1,940 | +2% |
| Elliston | $143 | $1,711 | -10% |
| Huddleston | $155 | $1,862 | -2% |
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).
| Age | Avg. monthly full coverage premium in Virginia | Avg. annual full coverage premium in Virginia |
|---|---|---|
|
Age 16*
|
Avg. monthly full coverage premium in Virginia
$381
|
Avg. annual full coverage premium in Virginia
$4,575
|
|
Age 18
|
Avg. monthly full coverage premium in Virginia
$533
|
Avg. annual full coverage premium in Virginia
$6,400
|
|
Age 20
|
Avg. monthly full coverage premium in Virginia
$412
|
Avg. annual full coverage premium in Virginia
$4,949
|
|
Age 25
|
Avg. monthly full coverage premium in Virginia
$211
|
Avg. annual full coverage premium in Virginia
$2,537
|
|
Age 30
|
Avg. monthly full coverage premium in Virginia
$172
|
Avg. annual full coverage premium in Virginia
$2,061
|
|
Age 40
|
Avg. monthly full coverage premium in Virginia
$160
|
Avg. annual full coverage premium in Virginia
$1,920
|
|
Age 50
|
Avg. monthly full coverage premium in Virginia
$146
|
Avg. annual full coverage premium in Virginia
$1,754
|
|
Age 60
|
Avg. monthly full coverage premium in Virginia
$140
|
Avg. annual full coverage premium in Virginia
$1,686
|
|
Age 70
|
Avg. monthly full coverage premium in Virginia
$155
|
Avg. annual full coverage premium in Virginia
$1,863
|
| Age | Avg. monthly full coverage premium in Virginia | Avg. annual full coverage premium in Virginia |
|---|---|---|
|
Age 16*
|
Avg. monthly full coverage premium in Virginia
$333
|
Avg. annual full coverage premium in Virginia
$3,996
|
|
Age 18
|
Avg. monthly full coverage premium in Virginia
$470
|
Avg. annual full coverage premium in Virginia
$5,635
|
|
Age 20
|
Avg. monthly full coverage premium in Virginia
$347
|
Avg. annual full coverage premium in Virginia
$4,159
|
|
Age 25
|
Avg. monthly full coverage premium in Virginia
$193
|
Avg. annual full coverage premium in Virginia
$2,311
|
|
Age 30
|
Avg. monthly full coverage premium in Virginia
$165
|
Avg. annual full coverage premium in Virginia
$1,985
|
|
Age 40
|
Avg. monthly full coverage premium in Virginia
$155
|
Avg. annual full coverage premium in Virginia
$1,865
|
|
Age 50
|
Avg. monthly full coverage premium in Virginia
$139
|
Avg. annual full coverage premium in Virginia
$1,664
|
|
Age 60
|
Avg. monthly full coverage premium in Virginia
$138
|
Avg. annual full coverage premium in Virginia
$1,662
|
|
Age 70
|
Avg. monthly full coverage premium in Virginia
$153
|
Avg. annual full coverage premium in Virginia
$1,832
|
Bankrate’s take: In Virginia, insurance companies can use age and gender as rating factors for car insurance. According to data from the Insurance Institute for Highway Safety (IIHS), men are statistically more likely to engage in risky driving behaviors such as speeding, drunk driving and not wearing a seatbelt. Insurance companies tend to charge male drivers more for car insurance due to this risk, but as men and women get older, the premium difference between the two groups becomes minimal.
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 then be required to purchase their own car insurance policy.
| Age | Avg. annual premium for drivers in VA |
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in VA
$4,285
|
|
Age 17
|
Avg. annual premium for drivers in VA
$3,997
|
|
Age 18
|
Avg. annual premium for drivers in VA
$3,723
|
|
Age 19
|
Avg. annual premium for drivers in VA
$3,322
|
|
Age 20
|
Avg. annual premium for drivers in VA
$3,143
|
| Age | Avg. annual premium for drivers in VA |
|---|---|
|
Age 18
|
Avg. annual premium for drivers in VA
$6,018
|
|
Age 19
|
Avg. annual premium for drivers in VA
$4,908
|
|
Age 20
|
Avg. annual premium for drivers in VA
$4,554
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 62 percent more |
| Age 19 | 48 percent more |
| Age 20 | 45 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
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.
| Driving incident | Avg. annual premium* in Virginia | Percentage increase from Virginia avg. annual premium* |
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in Virginia
$1,892
|
Percentage increase from Virginia avg. annual premium*
0%
|
|
Avg. annual premium* in Virginia
$2,270
|
Percentage increase from Virginia avg. annual premium*
20%
|
|
|
Avg. annual premium* in Virginia
$2,612
|
Percentage increase from Virginia avg. annual premium*
38%
|
|
|
Avg. annual premium* in Virginia
$3,657
|
Percentage increase from Virginia avg. annual premium*
93%
|
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 lower credit scores tend to file more claims, which makes them a higher risk for insurers. In Virginia, drivers with poor credit pay 131 percent more than drivers with excellent credit scores.
| Credit tier | Avg. annual premium* in Virginia | Percentage difference from Virginia avg. annual premium* |
|---|---|---|
|
Avg. annual premium* in Virginia
$3,582
|
Percentage difference from Virginia avg. annual premium*
89%
|
|
|
Average
|
Avg. annual premium* in Virginia
$2,083
|
Percentage difference from Virginia avg. annual premium*
10%
|
|
Avg. annual premium* in Virginia
$1,892
|
Percentage difference from Virginia avg. annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in Virginia
$1,550
|
Percentage difference from Virginia avg. annual premium*
-18%
|
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 $1,666 per year for full coverage. The most expensive was a BMW 330i, at $2,352 per year. Keep in mind that this is still below the national average cost for full coverage, which is $2,314 per year.
| Vehicle | Avg. annual premium* in Virginia |
|---|---|
|
Avg. annual premium* in Virginia
$1,892
|
|
|
Avg. annual premium* in Virginia
$1,773
|
|
|
Avg. annual premium* in Virginia
$1,666
|
|
|
BMW 330i
|
Avg. annual premium* in Virginia
$2,352
|
|
Toyota Prius
|
Avg. annual premium* in Virginia
$1,997
|
Estimate your car insurance cost in Virginia
Selecting the best car insurance policy can come with a lot of big decisions. 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.
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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.
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.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).
Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
