Compare Cheap Virginia Car Insurance Rates:
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virginia $73/mo.
National $89.17/mo.

Average Premiums

Compare Virginia car insurance rates from multiple insurance companies in just minutes. Get an auto insurance quote that fits within your budget and start saving time and money today!

What Do Other Drivers in Virginia Pay For Auto Insurance?

Virginia car insurance is on the cheaper side, relatively speaking to the rest of the United States. In 2018, the average annual cost for auto insurance in VA was $876. But that doesn’t mean everyone pays low rates. We created a Virginia car insurance comparison chart for three different driver profiles to illustrate the range in premiums. You may be surprised by what we found out!

VA Insurance Rate Comparison: Low-Risk Middle-Aged Female Driver
Car Insurance Companies Monthly Premiums
Company 1 $66
Company 2 $89
Company 3 $96
Company 4 $126
Company 5 $175
Company 6 $148

Low-Risk Female Driver Profile:

  • Is a 44-year-old female
  • Owns a 2010 Chevrolet Malibu LS
  • Drives for pleasure
  • Owns a home and has a master’s degree
  • Is a low-risk driver with a clean driving record
VA Insurance Rate Comparison: High-Risk Young Male
Car Insurance Companies Monthly Premiums
Company 1 $307
Company 2 No Quote Given
Company 3 No Quote Given
Company 4 $464
Company 5 $392
Company 6 $418

High-Risk Young Male Driver Profile:

  • Is a 21-year-old male
  • Finances a 2013 Honda Civic SI
  • Drives to work
  • Rents an apartment and graduated from high school
  • Has two speeding tickets on his record
VA Insurance Rate Comparison: Married Couple Drivers
Car Insurance Companies Monthly Premiums
Company 1 $95
Company 2 No Quote Given
Company 3 $180
Company 4 $203
Company 5 $261
Company 6 No Quote Given

Married Couple Driver Profiles:

  • Are a married 41-year-old couple
  • Owns a 2012 Grand Caravan SE and finances a 2011 Mazda 6S
  • Drives to work
  • Owns a condo and both have bachelor’s degrees
  • Has minor tarnish on driving record

Which Profile is Most Like You?

All of these quotes are genuine. We have left out the names of the insurance companies because many insurers change their algorithms regularly which could directly reflect on the quotes received. Obviously older, safer drivers pay lower premiums, but why are the differences so big? Let’s take a closer look.

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Factors That Affect Virginia Car Insurance Rates

There are many different factors that affect your premium and each insurance company has its own formula that applies different weight for each variable. For this reason, it’s important to shop around! Below are some important factors to be aware of.

  • Driving History. Car insurance companies can raise your premiums if you or a member of your household have an at-fault accident or traffic violation on your record. In Virginia, premiums can only be increased due to accidents or violations in the past 36 months. If you want to check your driving history, you can request your records from the  Virginia DMV.
  • Credit Score. Virginia permits insurance companies to consider consumer credit history when setting premium rates. So, if you have poor credit, you may see higher quotes. However, Virginia does prohibit insurance companies from deciding not to renew your policy solely because of your credit report.
  • Driver’s Age. Anyone under 25 will typically pay higher rates, but men under 25 pay especially high rates. However, state law prohibits insurers from denying you a policy solely because of your age or sex — or your residence, race, color, creed, national origin, ancestry, marital status or lawful occupation (including military service). And once you turn 55, Virginia law requires insurance companies to give you a discount if you complete a senior accident prevention class.
  • Car Make & Year. The year and type of car you drive will affect how much you pay. Again, each company will rate each car differently but if you have a full coverage plan, the value of your vehicle will directly dictate the premium you pay.
  • Level of Coverage. If you set higher limits on your liability coverage and lower deductibles on your collision and comprehensive coverage, you will see higher premiums. Find the best coverage levels for your lifestyle.

If you want to know more about how your rates are calculated, visit our car insurance factors page.

Cheap Liability Coverage in Virginia

In Virginia, liability car insurance must meet the state minimum requirements: $25,000 per person and $50,000 per accident in bodily injury liability, plus $20,000 in property damage liability. (You’ll also need to have uninsured motorist coverage.) How much are you going to pay for liability insurance? That depends on several factors — but one of the biggest is age.

Compare.com’s data found that a millennial driver pays $899 per year (about $75 per month) for a state-minimum liability policy. Gen Xers pay a little less: $790 per year, or $66 per month. But older drivers have the best shot at getting cheap liability coverage: Boomers pay $681 per year, on average, or just under $57 per month. How much will you pay for liability insurance? Compare quotes and see!

How Does Your Address Affect Your Car Insurance?

When auto insurers calculate your premiums, your home address is one of the leading factors they take into consideration. The amount of auto theft, vandalism, traffic density, and crash rates all affect how cheap your insurance will be. Find out below which city has the cheapest car insurance rates.

Car Insurance Rates by Virginia City
City State Minimum Rates
Woodbridge $1,114
Falls Church $1,107
Alexandria $1,107
Richmond $1,105
Fairfax $1,047
Vienna $1,567
Norfolk $995
Petersburg $992
Virginia Beach $985
Culpeper $976
Chesapeake $952
Manassas $951
Vienna $942
Newport News $941
Colonial Heights $932
Warrenton $926
Arlington $924
Portsmouth $924
Hampton $922
Hopewell $921
Suffolk $919
Herndon $909
Leesburg $900
Fredericksburg $889
Centreville $873
Lynchburg $856
Blacksburg $848
Sterling $833
Franklin $810
Ashland $805
Danville $783
Roanoke $778
Williamsburg $775
Bristol $774
Martinsville $770
Christiansburg $753
Harrisonburg $743
Winchester $717
Radford $716
Charlottesville $685
Waynesboro $676
Salem $674
Staunton $664
Front Royal $610

Virginia’s Most Stolen Cars

Some cars are more commonly stolen than others. If your car is statistically more prone to being stolen in your city, it could affect your insurance premium. These are the top 10 most stolen cars in Virginia, according to nicb.org.

Ranking Year Make & Model
1 2002 Honda Accord
2 2016 Toyota Camry
3 2004 Ford Pickup
4 1998 Honda Civic
5 2015 Nissan Altima
6 2003 Chevrolet Pickup
7 2015 Toyota Corolla
8 2008 Chevrolet Impala
9 2002 Ford Explorer
10 2015 Nissan Sentra

How Your Gender Can Affect Your Premiums

It may sound a bit unfair that insurance companies can base your rates off being a male vs female but this happens in many states. We see below that men pay a little bit higher than their female counterparts.

Male vs Female Insurance Rate Comparison
Gender State Minimum Premiums Full Coverage Premiums
Male $931 $1,829
Female $911 $1,671

Want to find out how you can lower your car insurance rates? Click here!

Compare VA Auto Insurance Rates by Age

We reviewed some of the lowest quotes for drivers between the ages of 18 and 25. We see rates more than double between an 18-year-old driver and a 25-year-old driver. Imagine being an 18-year-old male driver. It isn’t pretty. See the rate comparisons below.

Auto Insurance Rates for Young VA Drivers
Age State Minimum Rates Full Coverage Rates
18 $1,993 $3,301
19 $1,729 $3,191
20 $1,476 $2,761
21 $1,238 $2,444
22 $1,120 $2,214
23 $1,027 $2,044
24 $957 $1,994
25 $907 $1,764

By comparing generations we continue to see a drop in rates as you grow older.

Virginia Car Insurance Premiums by Generation
Generation State Minimum Rates Full Coverage Rates
Millennial $899 $1,833
GenX $790 $1,678
Baby Boomer $681 $1,431
Silent Majority $662 $1,329

Virginia Auto Insurance Minimum Requirements

To be a licensed Virginia driver, an individual must show financial responsibility in the form of car insurance.  The minimum required insurance coverage in Virginia is:

Bodily Injury Liability Coverage

  • $25,000 for one person
  • $50,000 for total damages

Property Damage Liability Coverage

  • $20,000 per accident

Uninsured/Underinsured Motorist Bodily Injury Coverage

  • $25,000 for one person
  • $50,000 for total damages

Uninsured/Underinsured Motorist Property Damage Coverage

  • $25,000 per accident

Drivers are free to purchase more coverage than what is required. Given how much a car accident can potentially cost, the best insurance for you may be greater than the minimum state requirements.

Additional VA Insurance Coverage Options

These options listed above are not required. However, they may be a good idea for expanded protection and service. If you are leasing or making payments on a car then you may be required to purchase collision and comprehensive coverage by your lender.

Virginia Auto Insurance Discounts

  • Accident-Free/Good Driver Discount– If you are ticket and accident-free for a specified time frame, you might notice a lower premium.
  • Anti-Theft Discount– Some insurance companies may provide a discount if you use approved anti-theft technologies.
  • Multi-Car Discount–  If you insure multiple cars with a company, you might get a discount.
  • Good Student Discount– Depending on your car insurance company, you may be eligible for a discount if you are a college student with good grades.
  • Affinity Group Discount – Many Virginia businesses, groups, and organizations offer “affinity group discounts” to their members. Some companies or groups that offer affinity discounts in Virginia are Dominion Power, Capital One, local or state government, state colleges or universities, and select fraternities or sororities. Check with your employer or group organizers to see if they have a business relationship with any insurance companies.
  • Car Safety Discount – Certain safety features and technologies may help bring down your coverage rates.
  • Passive Restraint Discount – By installing a passive restraint system, or by having a factory built airbag system, you can see a drop in insurance pricing.
  • Home and Auto Bundling Discount – Add home insurance to your current auto insurance plan to receive a discount.
  • New Vehicle Discount – Just by buying a new car, you may be able to see better auto insurance rates than that of a used vehicle.

Virginia Auto Insurance Penalties & Laws

Failure to meet the minimum requirements for Virginia may result in an array of penalties, including:

  • $500 fee, plus costs of license and registration reinstatement.
  • Suspension of your driver’s license, registration, and license plates.
  • A three-year requirement to file an SR-22 yearly to maintain your license, once it has been reinstated.

To learn more about the requirements and penalties, visit the Virginia DMV website.

Driving Without Insurance

In Virginia, it is illegal to drive without car insurance unless you have paid the $500 Uninsured Motorist Fee. This fee is a penalty for failure to pay insurance. It does not replace any liability coverage and does not protect you from being sued if you are at fault in an accident (and in Virginia, you’re almost always at fault). You can learn more about the Uninsured Motorist Fee on the DMV Website.

SR-22 and FR-44 Coverage

In Virginia, the SR-22 helps its citizens by tracking problem driver’s insurance behaviors. The driver’s car insurance company is required to file this form to show proof of the driver’s financial responsibility. Virginians may be required to use an SR-22 when:

  • Convicted of a DUI or DWI
  • Not stopping at the scene of an accident a.k.a – ‘hit and run’
  • Convicted of Motor Vehicular Manslaughter
  • Previous suspension from driving uninsured
  • Unsatisfied judgment suspensions

The FR-44 is fairly similar to the SR-22 form, except it is usually required for drivers who have only received a DUI conviction. Insurance coverage limits are usually set with higher limits than those of the SR-22 which are:

  • $50,000 per person for bodily injury
  • $100,000 per person for total injuries
  • $40,000 for property damage per person

Virginia Driver’s License and Car Registration Information

Navigating Virginia roadways have enough pitfalls. Getting licensed and registered shouldn’t be one of them. We can help you better understand how to get a valid Virginia driver’s license and registration.

There are several types of licenses available, depending on what type of vehicle you will be driving. In addition to a standard driver’s license, Virginia residents can get commercial, hazardous materials, motorcycle and graduated licenses for beginner drivers.

Registering your vehicle in Virginia is mandatory. If you do not register your vehicle, you could face a hefty fine and it may also affect your driving record.

It is also important to keep your registration up to date. It’s very easy to renew your registration online by visiting the DMV website. To learn more about registering your vehicle and the steps necessary to do so, visit the DMV Registration Page.