Virginia Car Insurance Quotes & Average Rates

Full coverage car insurance in Virginia is estimated at $1,852 a year, or $154 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $634 a year. Virginia is an at-fault state, and drivers must carry 30/60/25 liability limits. Below you will find estimated rates for 84 Virginia cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Virginia

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$154/ month

$1,852 per year · carriers in Virginia typically quote $1,315 – $2,555

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Virginia

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,408	$117	-24%	Military members and families only
Geico	$1,519	$127	-18%	Usually cheapest for clean records
State Farm	$1,630	$136	-12%	Strong for young and student drivers
Progressive	$1,759	$147	-5%	Competitive after a ticket or accident
Travelers	$1,796	$150	-3%	Good multi-policy discounts
Nationwide	$1,852	$154	0%	Mid-market, wide availability
Allstate	$2,111	$176	+14%	Higher base rate, heavy discount stacking
Farmers	$2,241	$187	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Virginia. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Virginia car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$5,002	$1,711	$417
18 years old	$4,219	$1,443	$352
20 years old	$3,494	$1,195	$291
22 years old	$2,902	$993	$242
25 years old	$2,215	$758	$185
30 years old	$1,909	$653	$159
40 years old	$1,795	$614	$150
50 years old	$1,718	$588	$143
60 years old	$1,699	$581	$142
65 years old	$1,775	$607	$148
70 years old	$1,947	$666	$162
75 years old	$2,272	$777	$189

Estimated premiums by age in Virginia, clean record, sedan.

How violations change your Virginia premium

Driving record	Est. annual	Increase
Clean record	$1,852	—
1 speeding ticket	$2,278	+23%
1 at-fault accident	$2,722	+47%
DUI / DWI	$3,500	+89%

What a violation costs a 35-year-old in Virginia. Surcharges normally stay on the policy for three to five years.

A DUI in Virginia usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Virginia minimum insurance requirements

Required coverage in Virginia	Minimum limit
Bodily injury liability, per person	$30,000
Bodily injury liability, per accident	$60,000
Property damage liability	$25,000
Uninsured/underinsured motorist	Required
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Virginia Department of Insurance before you buy.

Coverage levels in Virginia

Coverage level	Est. annual	Est. monthly
State minimum liability	$634	$53
Full coverage (100/300/100 + comp & collision)	$1,852	$154
Full coverage, high limits + low deductible	$2,204	$184

Coverage level comparison for Virginia.

Car insurance rates in Virginia cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 84 Virginia cities we price.

Virginia Beach$2,138 Norfolk$1,990 Chesapeake$1,990 Richmond$1,990 Arlington$1,990 Newport News$1,990 Alexandria$1,990 East Hampton$1,843 Hampton$1,843 Roanoke$1,843 Portsmouth Heights$1,843 Portsmouth$1,843 Suffolk$1,843 South Suffolk$1,843 Lynchburg$1,843 Centreville$1,843 Dale City$1,843 West Lynchburg$1,843 Reston$1,732 Harrisonburg$1,732 Leesburg$1,732 McLean$1,732 Charlottesville$1,732 Tuckahoe$1,732 Blacksburg$1,732 Ashburn$1,732 Danville$1,732 Manassas$1,732 Lake Ridge$1,732 Burke$1,732 Annandale$1,732 Mechanicsville$1,732 Linton Hall$1,732 Oakton$1,732 Oak Hill$1,732 Petersburg$1,732 Springfield$1,732 West Falls Church$1,640 Fredericksburg$1,640 Sterling$1,640 Winchester$1,640 Salem$1,640 Cave Spring$1,640 Short Pump$1,640 Herndon$1,640 Staunton$1,640 South Riding$1,640 Fairfax$1,640 Baileys Crossroads$1,640 Chantilly$1,640 Lincolnia$1,640 West Springfield$1,640 Hopewell$1,640 Christiansburg$1,640 Waynesboro$1,640 Chester$1,640 Woodlawn$1,640 Rose Hill$1,640 Tysons$1,640 Montclair$1,640 Lorton$1,640 Midlothian$1,640 Meadowbrook$1,640 Franconia$1,640 Colonial Heights$1,640 Culpeper$1,640 Radford$1,640 Idylwood$1,640 Bristol$1,640 Laurel$1,640 Vienna$1,640 Bon Air$1,640 Buckhall$1,640 Sudley$1,640 Wolf Trap$1,640 Fort Hunt$1,640 Cherry Hill$1,640 Hybla Valley$1,640 Manassas Park$1,640 Highland Springs$1,640 Great Falls$1,640 Merrifield$1,640 Front Royal$1,640 Williamsburg$1,640

Frequently asked questions

▸How much is car insurance in Virginia?

Full coverage in Virginia is estimated at $1,852 a year, or $154 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $634 a year.

▸What car insurance is required in Virginia?

Virginia requires $30,000 bodily injury liability per person, $60,000 per accident and $25,000 property damage, plus uninsured/underinsured motorist.

▸Is Virginia a no-fault state?

No. Virginia is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Virginia city has the cheapest car insurance?

Of the 84 Virginia cities we price, Williamsburg carries the lowest estimate at $1,640 a year, while Virginia Beach is highest at $2,138. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Virginia?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.