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Average cost of car insurance in Virginia for 2024

Virginia drivers pay an average of $1,990 per year for full coverage car insurance and $677 per year for minimum coverage.

Updated Mar 14, 2024
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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, $1,990 per year, is 22 percent less than the national average of $2,545. Minimum coverage in Virginia costs an average of $677 per year, almost 9 percent less than the national average of $741. 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 $1,990 per year or $166 per month for full coverage and $677 per year or $56 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 $565 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.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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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.

Advertising Disclosure
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.

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 16*
Avg. monthly full coverage premium in Virginia
$394
Avg. annual full coverage premium in Virginia
$4,730
Age 18
Avg. monthly full coverage premium in Virginia
$565
Avg. annual full coverage premium in Virginia
$6,786
Age 20
Avg. monthly full coverage premium in Virginia
$420
Avg. annual full coverage premium in Virginia
$5,039
Age 25
Avg. monthly full coverage premium in Virginia
$220
Avg. annual full coverage premium in Virginia
$2,640
Age 30
Avg. monthly full coverage premium in Virginia
$180
Avg. annual full coverage premium in Virginia
$2,161
Age 40
Avg. monthly full coverage premium in Virginia
$169
Avg. annual full coverage premium in Virginia
$2,023
Age 50
Avg. monthly full coverage premium in Virginia
$153
Avg. annual full coverage premium in Virginia
$1,840
Age 60
Avg. monthly full coverage premium in Virginia
$148
Avg. annual full coverage premium in Virginia
$1,770
Age 70
Avg. monthly full coverage premium in Virginia
$162
Avg. annual full coverage premium in Virginia
$1,950
Age 40
Avg. monthly full coverage premium in Virginia
$169
Avg. annual full coverage premium in Virginia
$2,023
Age 50
Avg. monthly full coverage premium in Virginia
$153
Avg. annual full coverage premium in Virginia
$1,840
Age 60
Avg. monthly full coverage premium in Virginia
$148
Avg. annual full coverage premium in Virginia
$1,770
Age 70
Avg. monthly full coverage premium in Virginia
$162
Avg. annual full coverage premium in Virginia
$1,950
*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 16*
Avg. monthly full coverage premium in Virginia
$346
Avg. annual full coverage premium in Virginia
$4,155
Age 18
Avg. monthly full coverage premium in Virginia
$485
Avg. annual full coverage premium in Virginia
$5,817
Age 20
Avg. monthly full coverage premium in Virginia
$360
Avg. annual full coverage premium in Virginia
$4,325
Age 25
Avg. monthly full coverage premium in Virginia
$203
Avg. annual full coverage premium in Virginia
$2,435
Age 30
Avg. monthly full coverage premium in Virginia
$173
Avg. annual full coverage premium in Virginia
$2,072
Age 40
Avg. monthly full coverage premium in Virginia
$163
Avg. annual full coverage premium in Virginia
$1,957
Age 50
Avg. monthly full coverage premium in Virginia
$151
Avg. annual full coverage premium in Virginia
$1,812
Age 60
Avg. monthly full coverage premium in Virginia
$146
Avg. annual full coverage premium in Virginia
$1,749
Age 70
Avg. monthly full coverage premium in Virginia
$161
Avg. annual full coverage premium in Virginia
$1,928
Age 40
Avg. monthly full coverage premium in Virginia
$163
Avg. annual full coverage premium in Virginia
$1,957
Age 50
Avg. monthly full coverage premium in Virginia
$151
Avg. annual full coverage premium in Virginia
$1,812
Age 60
Avg. monthly full coverage premium in Virginia
$146
Avg. annual full coverage premium in Virginia
$1,749
Age 70
Avg. monthly full coverage premium in Virginia
$161
Avg. annual full coverage premium in Virginia
$1,928
*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
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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.

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Age 16*
Avg. annual premium for drivers in VA
$4,443
Age 17
Avg. annual premium for drivers in VA
$4,155
Age 18
Avg. annual premium for drivers in VA
$3,886
Age 19
Avg. annual premium for drivers in VA
$3,439
Age 20
Avg. annual premium for drivers in VA
$3,262
*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 18
Avg. annual premium for drivers in VA
$6,301
Age 19
Avg. annual premium for drivers in VA
$5,043
Age 20
Avg. annual premium for drivers in VA
$4,682
*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 Avg. annual premium difference for drivers on their own policy
Age 18 62 percent more
Age 19 47 percent more
Age 20 44 percent more

*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

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.

Clean driving record
Avg. annual premium* in Virginia
$1,990
Percentage increase from Virginia avg. annual premium*
0%
Avg. annual premium* in Virginia
$2,387
Percentage increase from Virginia avg. annual premium*
20%
Avg. annual premium* in Virginia
$2,738
Percentage increase from Virginia avg. annual premium*
38%
Avg. annual premium* in Virginia
$3,842
Percentage increase from Virginia avg. annual premium*
93%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

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 134 percent more than drivers with excellent credit scores.

Avg. annual premium* in Virginia
$3,812
Percentage difference from Virginia avg. annual premium*
92%
Average
Avg. annual premium* in Virginia
$2,182
Percentage difference from Virginia avg. annual premium*
10%
Avg. annual premium* in Virginia
$1,990
Percentage difference from Virginia avg. annual premium*
0%
Excellent
Avg. annual premium* in Virginia
$1,632
Percentage difference from Virginia avg. annual premium*
-18%
*Rates reflect full coverage policies.

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 $1,754 per year for full coverage. The most expensive was a BMW 330i, at $2,473 per year. Keep in mind that this is still below the national average cost for full coverage, which is $2,545 per year.

Avg. annual premium* in Virginia
$1,990
Avg. annual premium* in Virginia
$1,850
Avg. annual premium* in Virginia
$1,754
BMW 330i
Avg. annual premium* in Virginia
$2,473
Toyota Prius
Avg. annual premium* in Virginia
$2,065
*Rates reflect full coverage policies.

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.

Advertising Disclosure
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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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

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Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February 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.

Written by
Shannon Martin
Writer, Insurance

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.

Edited by Editor, Insurance