Minimum car insurance requirements in Virginia
The minimum car insurance requirements in Virginia are 50/100/25 in liability limits. State minimum coverage pays for injuries and property damage you cause to others, but does not cover damage to your own vehicle.
- 50/100/25 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Virginia is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State Minimum Requirements | 50/100/25 |
| State minimum car insurance | $528 |
| Liability-only car insurance | $538 |
| Full coverage car insurance | $1,837 |
Average cost of car insurance in Virginia
Car insurance in Virginia costs an average of $1,837 per year, for full coverage insurance with 100/300/100 liability limits and $500 deductibles. Minimum coverage costs an average of $528 annually.
Rates vary based on insurer, ZIP code, driving record, vehicle type and coverage selections. Drivers with clean records and good credit pay lower premiums.
| Average annual premium | $1,837 |
| Average monthly premium | $153 |
Cheapest car insurance companies in Virginia
Travelers offers the cheapest average car insurance rates in Virginia for a full coverage policy. Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records.
Comparing quotes from multiple companies can help drivers find lower premiums and better coverage options.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Travelers | $386 | $391 | $1,213 |
| Virginia Farm Bureau | $330 | $338 | $1,216 |
| GEICO | $457 | $469 | $1,581 |
| Erie Insurance | $424 | $430 | $1,736 |
| Auto-Owners | $537 | $548 | $1,979 |
| Allstate | $767 | $773 | $2,490 |
| Progressive | $749 | $755 | $2,525 |
| State Farm | $729 | $755 | $2,529 |
| Farmers | N/A | N/A | $5,319 |
| USAA | $374 | $385 | $1,181 |
Virginia car insurance rates by age group
Age has a big effect on car insurance rates. In Virginia, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Virginia based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $5,171 |
| Young Adults (20-24) | $2,917 |
| Adults (25-60) | $1,829 |
| Seniors (65-75) | $1,870 |
Virginia car insurance costs by coverage level
Generally, Virginia minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Virginia car insurance costs based on coverage level below.
| State minimum car insurance | $528 |
| Liability-only car insurance | $538 |
| Full coverage car insurance | $1,837 |
Cheapest car insurance companies in Virginia by driver profile
Those with violations and accidents pay higher insurance rates. The highest rates in Virginia are for drivers with Bad Credit
Comparing quotes becomes especially important for high-risk drivers because insurers apply rate increases differently.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $1,837 | $2,963 | $1,126 | 61% |
| Bad Credit | $1,837 | $3,872 | $2,036 | 111% |
| Careless driving | $1,837 | $2,999 | $1,163 | 63% |
| Claims | $1,837 | $2,328 | $492 | 27% |
| DUI | $1,837 | $3,225 | $1,388 | 76% |
| Reckless driving | $1,837 | $3,294 | $1,458 | 79% |
| Speeding | $1,837 | $2,495 | $658 | 36% |
| Texting ticket | $1,837 | $2,334 | $497 | 27% |
How much does car insurance cost in Virginia per month?
The average monthly cost of car insurance in Virginia depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage Level | Average monthly premium | Average annual cost |
|---|---|---|
| State Minimum BI/PD | $44 | $528 |
| Liability Only - 50/100/50 BI/PD | $45 | $538 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $153 | $1,837 |
Car insurance discounts in Virginia
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Virginia, savings can be very different from one company to another.
Common car insurance discounts include:
- Multi-policy discount
- Safe driver discount
- Good student discount
- Defensive driving discount
- Multi-vehicle discount
- Anti-theft device discount
- Telematics discount
- Paperless billing discount
Ask about all available discounts before purchasing coverage.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Air Bags | $1,837 | $1,822 | $15 | 1% |
| Anti-Theft Device | $1,837 | $1,818 | $18 | 1% |
| Comp and Coll Deductibles | $1,837 | $1,467 | $369 | 19% |
| Daily Commute | $1,837 | $1,711 | $125 | 6% |
| Days Advanced Purchase | $1,837 | $1,661 | $175 | 8% |
| Education | $1,837 | $1,722 | $114 | 7% |
| Electronic Funds Transfer | $1,837 | $1,703 | $134 | 5% |
| Electronic Signature | $1,837 | $1,726 | $111 | 6% |
| Homeowner | $1,837 | $1,684 | $152 | 7% |
| Lower Annual Mileage | $1,837 | $1,686 | $150 | 7% |
| Loyalty - Years Renewal With Company | $1,837 | $1,698 | $138 | 7% |
| Marital Status | $1,837 | $1,564 | $272 | 13% |
| Multi Policy | $1,837 | $1,680 | $156 | 8% |
| Paperless/Electornic Documents | $1,837 | $1,765 | $71 | 3% |
| Payment Type | $1,837 | $1,661 | $176 | 10% |
| Primary Use | $1,837 | $1,655 | $181 | 10% |
| Profession | $1,837 | $1,622 | $214 | 11% |
| Safety Devices | $1,837 | $1,769 | $67 | 3% |
| Telematics | $1,837 | $1,692 | $144 | 9% |
| Years Insured | $1,837 | $1,288 | $549 | 23% |
How to lower car insurance costs in Virginia
You can reduce your insurance rates in Virginia by shopping around, bundling policies and qualifying for discounts.
Common ways to lower insurance costs include:
- Compare quotes from multiple insurers
- Raise your deductibles
- Maintain a clean driving record
- Bundle insurance policies
- Drive a lower-cost vehicle
- Ask about available discounts
- Remove unnecessary coverage from older vehicles
Regularly reviewing coverage can help drivers avoid overpaying.
Car insurance rates in Virginia by model year
The vehicle you drive also affects Virginia car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Virginia car insurance rates below.
Compare accord insurance rates by state
| Company | Style | Average annual premium |
|---|
Compare auto insurance rates by city in Virginia
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Virginia will impact what you pay. Below, we've gathered Virginia car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Virginia Beach | $1,824 |
Car insurance premium trends in Virginia
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Virginia to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Car insurance rates are based on a sample driver profile with the following characteristics:
- 40-year-old driver
- Honda Accord LX
- Good credit
- Clean driving record
- 12-mile daily commute
- 10,000 annual miles driven
Full coverage rates are based on:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision deductible
- $500 comprehensive deductible
Additional rate data includes:
- State minimum coverage limits
- Teen, young adult, adult and senior drivers
- Poor, fair and excellent credit tiers
- Speeding tickets
- DUI convictions
- At-fault accidents
Rates are sourced from Quadrant Information Services and analyzed across multiple ZIP codes and insurers.
Virginia car insurance coverage guide: FAQ
How much is car insurance in Virginia?
Car insurance in Virginia costs an average of $1,837 annually for full coverage and $528 annually for minimum coverage.
Which company has the cheapest car insurance in Virginia?
Travelers offers the cheapest average full coverage rates in Virginia.
What does full coverage car insurance include?
Full coverage includes liability insurance and all coverages required by state law, plus collision and comprehensive coverageComprehensive coverage helps pay for damage to your car caused by events other than a collision, such as theft, fire, vandalism, or natural disasters. It is subject to a deductible. for damage to your own vehicle after covered losses.
Why does car insurance cost more after a DUI or accident?
Insurance companies raise premiums after violations because drivers with DUIs and accidents are statistically more likely to file future claims.
Compare Virginia car insurance rates with other states
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