Virginia Car Insurance Costs
Virginia car insurance averages $130 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. Virginia Farm Bureau Insurance offers the lowest rates in the state at approximately $61 per month for minimum coverage, followed by GEICO and Erie Insurance. Virginia eliminated its $500 uninsured motorist fee in 2024, making continuous insurance coverage legally mandatory for all drivers.
Welcome to the beautiful state of Virginia, where history, natural splendor, and the need for dependable car insurance converge. Nestled on the East Coast of the United States, Virginia is a place that offers drivers plenty of adventure. Whether you’re a long-time resident of the Old Dominion or considering a move to this diverse state, you understand the importance of securing the right car insurance coverage for your needs.
At InsuranceQuotes, we’re dedicated to connecting you with top car insurance providers in Virginia, ensuring that your vehicle is safeguarded for your journeys along the historic byways, through the Shenandoah Valley, or amid the hustle and bustle of the cities. Your peace of mind starts with the right car insurance, and we’re here to streamline the process, making it as smooth as a drive along the picturesque Blue Ridge Parkway.
How much should you expect to pay on average for car insurance in Virginia?
Average Virginia Car Insurance Rates:
- State Minimum Liability: You can expect to pay $62 a month or $743 a year.
- Full Coverage: You can expect to pay $196 a month or $2,349 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in your city – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Drivers in VA should compare multiple car insurance coverage options that may be cheaper than the average rates – we will breakdown costs throughout this guide. Knowing average auto insurance costs beforehand is helpful when using InsuranceQuotes to compare free local and national provider quotes so you can know what to expect when searching for a new policy.
Who Has the Cheapest Car Insurance in Virginia?
- In Virginia the cheapest auto insurance providers on average are State Farm, USAA and Allstate.
- State minimum liability car insurance starts at $46 a month or $551 a year.
- Full coverage car insurance would cost around $152 a month or $1,818 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in the state from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $551 | $46 | $1,818 | $152 |
| USAA | $608 | $51 | $1,915 | $160 |
| Allstate | $755 | $63 | $2,992 | $249 |
| GEICO | $827 | $69 | $2,562 | $214 |
| Progressive | $971 | $81 | $2,456 | $205 |
| Average Cost: | $743 | $62 | $2,349 | $196 |
Virginia Auto Insurance Rates by City
When comparing local car insurance premiums in Virginia, it’s smart to look at the individual city and zip code you live in when comparing costs. Drivers living in more populated urban areas like Virginia Beach, you’ll often pay more than those who live in rural areas like McNair with less population and potential for accidents. Use our data table below to search for your city and see how much on average you should be paying for local minimum and full coverage policies:
| Virginia City: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Abingdon | $619 | $52 | $2,306 | $192 |
| Accomac | $700 | $58 | $2,507 | $209 |
| Achilles | $790 | $66 | $2,450 | $204 |
| Adwolf | $618 | $52 | $2,421 | $202 |
| Afton | $683 | $57 | $2,529 | $211 |
| Alberta | $694 | $58 | $2,738 | $228 |
| Aldie | $885 | $74 | $2,723 | $227 |
| Alexandria | $969 | $81 | $2,810 | $234 |
| Altavista | $624 | $52 | $2,445 | $204 |
| Alton | $675 | $56 | $2,690 | $224 |
| Amelia Court House | $741 | $62 | $2,839 | $237 |
| Amherst | $638 | $53 | $2,478 | $206 |
| Amissville | $759 | $63 | $2,703 | $225 |
| Ammon | $772 | $64 | $2,716 | $226 |
| Amonate | $667 | $56 | $2,567 | $214 |
| Andover | $656 | $55 | $2,494 | $208 |
| Annandale | $1,013 | $84 | $2,887 | $241 |
| Appalachia | $663 | $55 | $2,506 | $209 |
| Appomattox | $641 | $53 | $2,504 | $209 |
| Aquia Harbour | $870 | $72 | $2,688 | $224 |
Popular Auto Insurance Cost Guides by City
See a more in depth guide for auto insurance costs broken down by popular cities in Virginia.
Auto Insurance Rates by Age in VA
Statistics show that younger drivers, particularly teenagers and drivers in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road. Drivers older than 25 will see a significant drop in their auto policy costs as they are moved into the middle aged cost tier group for coverage.
Virginia insurance providers use age as a factor that influences your auto rates and cost quotes you receive. Younger drivers tend to face higher annual premiums compared to mature, more experienced drivers.
* Full Coverage – Average Costs by Age:
- 17 – 25 years: $4,706 yearly – $392 monthly
- 25 – 54 years: $2,384 yearly – $199 monthly
- 55+ years: $2,611 yearly – $218 monthly
* State Minimum Liability – Average Costs by Age:
- 17 – 25 years: $1,446 yearly – $121 monthly
- 25 – 54 years: $745 yearly – $62 monthly
- 55+ years: $903 yearly – $75 monthly
Here is a full breakdown of the average costs for car insurance by age in Virginia:
| Age: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| 17 | $2,162 | $180 | $6,808 | $567 |
| 18 | $1,869 | $156 | $5,962 | $497 |
| 20 | $1,302 | $109 | $4,383 | $365 |
| 22 | $1,003 | $84 | $3,348 | $279 |
| 24 | $896 | $75 | $3,031 | $253 |
| 29 | $783 | $65 | $2,585 | $215 |
| 34 | $745 | $62 | $2,436 | $203 |
| 39 | $743 | $62 | $2,399 | $200 |
| 44 | $745 | $62 | $2,372 | $198 |
| 49 | $742 | $62 | $2,338 | $195 |
| 54 | $714 | $59 | $2,168 | $181 |
| 64 | $725 | $60 | $2,143 | $179 |
| 74 | $940 | $78 | $2,708 | $226 |
| 76 | $1,044 | $87 | $2,981 | $248 |
How Much Car Insurance Do I Need in Virginia?
The amount of car insurance you should get in Virginia, like in most states, is determined by the state’s minimum coverage requirements and your individual needs and circumstances. In Virginia, the minimum required coverage includes:
- Bodily Injury Liability (BIL) Coverage:
- Minimum coverage: $25,000 per person and $50,000 per accident
- Property Damage Liability (PDL) Coverage:
- Minimum coverage: $20,000 per accident
These are the minimum legal requirements to drive in Virginia. In many cases, it is recommended to carry coverage beyond the state minimum in VA to provide more protection in case of accidents. Here are some additional types of coverage you might want to consider:
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage can protect you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses.
- Comprehensive Coverage: This covers damages to your vehicle caused by things other than accidents, such as theft, vandalism, or weather-related events.
- Collision Coverage: This covers the cost of repairs to your vehicle if you’re in an accident, regardless of who is at fault.
- Medical Payments Coverage: This pays for medical expenses related to injuries sustained in an accident.
The amount of coverage you should get really depends on your financial situation, the value of your vehicle, and your personal preferences. It’s advisable to discuss your specific needs with your insurance agent who can provide guidance tailored to your circumstances.
If high cost insurance is not an option for you, Virginia law allows you to pay an uninsured motor vehicle fee. This allows you to register and operate your vehicle for a year. However, it isn’t insurance, and you can be held liable if you cause an accident.
How Much Does a Driving Record Violation Increase Insurance Rates?
Driving violations can have a significant impact on your car insurance costs in Virginia, as they indicate a higher level of risk to insurance providers. When you receive a driving violation, such as a speeding ticket or a DUI, your insurance company may consider you a higher-risk driver, which can lead to an increase in your insurance premiums for the foreseeable future.
Here is a breakdown of full coverage car insurance cost increases with driving violations:
- Clean Driving Record: Average annual premium cost of $2,561
- Speeding Tickets: 19% increase of an extra $507 a year at $3,068
- At-Fault Accident: 41% increase of an extra $1,066 a year at $3,627
- DUI/DWI: 48% increase of an extra $1,228 a year at $3,789
| Insurance Company: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Clean Record | $807 | $67 | $2,561 | $213 |
| 1 Speeding Violation | $959 | $80 | $3,068 | $256 |
| 1 At-Fault Accident | $1,145 | $95 | $3,627 | $302 |
| 1 DUI Violation | $1,207 | $101 | $3,789 | $316 |
Finding Auto Insurance Resources in Virginia
The Bureau of Insurance has a wealth of information about auto insurance. You can look up insurance companies and agents, find tips on buying auto insurance, and read up on the state’s insurance information materials.
Moving to Virginia: Important Information
You have 30 days to title and register your vehicle in Virginia if you move there. Before you can do that, you have to get a vehicle inspection. You may also have to get an emissions test if you live in certain cities or counties. These are:
- The counties of Arlington, Fairfax, Loudoun, Prince William and Stafford
- The cities of Alexandria, Fairfax, Falls Church, Manassas and Manassas Park
If you have a current emissions certificate from another state, you may not need a test. You will need insurance that meets the minimum requirements in order to register your vehicle.
After you move to Virginia, you have 60 days to get a Virginia driver’s license. If you hold a valid license from another state or from Canada, France or Germany, you don’t have to take a written or road test. You do have to take a vision test and show proof of identity and residency to get a Virginia license. All this information and more is available on the state’s DMV website.
Understanding Driving Laws in Virginia
Virginia uses a point system to evaluate and rate drivers. You incur demerit points if found guilty of a traffic violation that causes an increase to car insurance rates. Points for certain violations remain on your record permanently. You can also earn safe driving points for every year that you have a valid Virginia license and don’t get any demerit points. You can use these points to offset demerits. Since this affects you as a risk candidate, having fewer points equates to lower insurance premiums.
Frequently Asked Questions About Virginia Auto Insurance
How much is car insurance in Virginia per month?
Virginia car insurance averages approximately $97 per month for full coverage in 2026 — about 20 percent below the national average — making it the 12th most affordable state. Minimum coverage averages around $53 per month. Virginia Farm Bureau and Travelers are the cheapest full coverage carriers at approximately $61 per month for a clean-record driver. The spread between cheapest and most expensive carrier in Virginia exceeds $131 per month for identical coverage, making comparison shopping essential. Rates are higher in the Washington D.C. corridor cities like Alexandria ($111/mo) versus rural Roanoke ($87/mo).
What changed about Virginia car insurance requirements recently?
Virginia made two significant changes. First, in 2024, Virginia eliminated the uninsured motorist fee — the option that allowed drivers to pay $500 per year to legally drive without insurance. Virginia drivers are now required to carry insurance with no alternative. Second, effective January 1, 2025, Virginia raised its minimum liability limits from 30/60/20 to 50/100/25: $50,000 per person bodily injury, $100,000 per accident, and $25,000 property damage. Virginia also requires Uninsured and Underinsured Motorist coverage at matching limits. If your policy was written before 2025, verify your coverage reflects these updated requirements.
Did Virginia’s minimum car insurance requirements change in 2025?
Yes — Virginia raised its minimum car insurance requirements significantly effective January 1, 2025. The new minimums are 50/100/25: $50,000 per person and $100,000 per accident for bodily injury liability, plus $25,000 in property damage liability. This is a substantial increase from the previous 30/60/20 requirement. Virginia also eliminated its $500 uninsured motor vehicle fee option effective July 2024 — Virginia drivers can no longer pay a fee to legally drive uninsured. All Virginia drivers must now carry at minimum the new 50/100/25 liability coverage. These changes mean Virginia drivers who have not reviewed their policy since 2024 should verify their coverage meets the new requirements.
Who has the cheapest car insurance in Virginia?
Virginia Farm Bureau Insurance offers the cheapest full coverage in Virginia at $58 to $61 per month — approximately 40 percent below the state average and the lowest of any major carrier in the state. Virginia Farm Bureau requires membership and must be purchased through a local agent rather than online. Travelers ties at approximately $61 per month for full coverage and is the cheapest minimum coverage option at $30 per month. USAA ($88 per month full coverage) is the best option for military families and veterans at Virginia’s major installations. For drivers with at-fault accidents, Utica National offers minimum coverage from $49 per month — a carrier rarely highlighted by comparison tools but consistently competitive for non-clean-record drivers in Virginia.
What is Virginia Farm Bureau and how do I get its insurance?
Virginia Farm Bureau (VFB) is a regional, member-only insurance cooperative that consistently offers the cheapest car insurance rates in Virginia. VFB requires a Farm Bureau membership, which costs approximately $40 per year and includes benefits beyond insurance such as travel discounts and agricultural resources. VFB insurance is only available through local VFB agents — you cannot get a quote or purchase a policy online. For most Virginia drivers with clean records, the membership fee is more than offset by the savings compared to national carriers. After paying the membership fee, VFB minimum coverage starts around $29 to $45 per month.
Does Virginia use SR-22 or FR-44 for insurance violations?
Virginia uses both, depending on the violation. For most violations — speeding tickets, license suspension, at-fault accidents — Virginia requires an SR-22 certificate filed with the state. However, for DUI and DWI convictions, Virginia requires an FR-44 certificate, which mandates significantly higher liability limits of 100/200/50 ($100,000 per person, $200,000 per accident, $50,000 property damage) rather than the standard 50/100/25 minimum. Virginia’s FR-44 requirement for DUI is similar to Florida’s system. SR-22 and FR-44 filings typically remain on your record for three years from the date of license reinstatement.
Is car insurance more expensive in Northern Virginia than the rest of the state?
Yes — Northern Virginia (NoVA) consistently carries higher car insurance rates than the rest of Virginia (RoVA) due to the Washington D.C. metropolitan area traffic and density. U.S. News specifically notes that “drivers in Northern Virginia, or NoVa, may pay higher rates than those in the rest of Virginia, or RoVa.” More rural Virginia markets like Roanoke average approximately $56 per month for full coverage, while coastal cities like Norfolk average around $76 per month. The most expensive Virginia markets are in the I-95, I-66, and Beltway corridors in Fairfax, Arlington, and Prince William counties. Rural Shenandoah Valley and southwest Virginia communities carry the lowest in-state rates.
Does Virginia have special car insurance considerations for military drivers?
Yes — Virginia hosts some of the largest military installations in the world, including the Pentagon, Marine Corps Base Quantico, Fort Belvoir, Naval Station Norfolk, Langley Air Force Base, and Fort Lee. Active duty military members, veterans, and their immediate families at these installations qualify for USAA car insurance, which offers full coverage from $88 per month in Virginia — consistently the lowest rates among carriers available to eligible members. USAA also allows deployment pauses and policy adjustments unavailable from civilian insurers. For Virginia military families, USAA should be the first quote obtained before comparing Virginia Farm Bureau, Travelers, and Erie.
How can I get cheap car insurance in Virginia?
The most effective approach in Virginia is to include Virginia Farm Bureau and Travelers alongside national carriers when comparing — these two consistently tie for the lowest full coverage rates in the state. Virginia Farm Bureau requires a $40 annual membership but often saves drivers hundreds per year. Erie Insurance is the best option for customer satisfaction and competitive pricing. Comparison shopping can save Virginia drivers over $1,500 per year — the gap between cheapest (Farm Bureau at $61/mo) and most expensive (Farmers at $192/mo) for identical coverage is $131 per month. Also consider: Virginia does not ban credit scoring, so improving your credit is one of the most powerful rate levers available.
How much does a DUI raise car insurance rates in Virginia?
A DUI/DWI conviction raises average full-coverage car insurance rates in Virginia by about 48%, adding roughly $1,228 per year to bring the average annual premium to around $3,789 (up from about $2,561 with a clean record). Virginia also requires an FR-44 certificate for DUI and DWI convictions, which mandates higher liability limits of 100/200/50 — well above the standard state minimums.
How does credit score affect car insurance rates in Virginia?
Virginia does not restrict insurers from using credit-based insurance scores, and it’s one of the biggest rate factors in the state — bigger than a DUI. Drivers with good credit pay around $93 per month for full coverage, while drivers with poor credit pay about $274 per month, a difference of roughly $181 per month, or about $2,148 per year. Improving your credit score is one of the most powerful ways to lower a Virginia premium.
Virginia’s New 50/100/25 Minimums and Mandatory Insurance: What Changed in 2024-2025
Virginia made two major car insurance law changes in consecutive years. In July 2024, Virginia eliminated the option for drivers to pay a $500 annual fee to legally drive without insurance — a unique provision that had existed for decades. As of July 2024, all Virginia drivers must carry active liability insurance. Then effective January 1, 2025, Virginia raised its minimum liability requirements from 30/60/20 to 50/100/25 — providing $50,000 per person and $100,000 per accident in bodily injury coverage, plus $25,000 in property damage liability. This makes Virginia’s current minimums stronger than the national standard in most categories. Drivers who have not updated their policy since 2023 should verify their coverage reflects these new requirements. Policies that show 30/60/20 limits are now below the legal minimum and should be updated immediately.
NoVA vs. RoVA: Virginia Car Insurance Rate Geography
Virginia’s car insurance market splits meaningfully between Northern Virginia (NoVA) — the dense suburban corridor bordering Washington D.C. — and the Rest of Virginia (RoVA). The NoVA corridor encompassing Fairfax County, Arlington, Alexandria, Prince William, and Loudoun counties carries significantly higher premiums than the state average due to I-95, I-66, and the Capital Beltway traffic density. In contrast, the Roanoke metro in western Virginia averages approximately $56 per month for full coverage — well below the $97 state average. Rural southwest Virginia, the Shenandoah Valley, and the Eastern Shore have the state’s lowest rates. Norfolk and Virginia Beach, while classified as coastal cities, average around $76 per month for full coverage. Virginia Farm Bureau’s agent network spans rural and suburban Virginia effectively, making it the best option for RoVA drivers looking to maximize savings.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
