Virginia Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Virginia car insurance averages about $178 a month ($2,137 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 24% below the national average in our data. It’s higher than in North Carolina but lower than in Kentucky, Maryland, Tennessee and West Virginia. GEICO has the lowest full-coverage average among the three major insurers we compared (Allstate, GEICO and State Farm), at about $137 a month.

Virginia car insurance: key numbers

• Full coverage: about $178 a month ($2,137 a year)
• Liability only (25/50/20): about $65 a month
• Lowest-priced insurer: GEICO has the lowest full-coverage average among the three major insurers we compared, at about $137 a month
• Recent price change: −4.1% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Norfolk (independent city) (about $209 a month) and Radford (independent city) (about $143)

Where you live matters when you compare Virginia auto insurance quotes. Norfolk costs the most of the 106 Virginia counties and independent cities we price, at about $209 a month for full coverage, followed by Portsmouth at $198. Northern Virginia averages about $192, about 10% more than the rest of the state, and the two least expensive of those 106 are in southwest Virginia: Radford averages $143 and Montgomery County, home to Blacksburg and Christiansburg, $145. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 354 Virginia ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in Virginia?

On average, full coverage in Virginia costs about $178 a month ($2,137 a year), while liability-only coverage at 25/50/20 limits costs $65 a month. Those limits are below the state minimum of 50/100/25. The figure is for a 40-year-old driver with a clean record and uses rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Virginia averages $2,137 a year, or about $178 a month, for our benchmark driver. Liability-only coverage at 25/50/20 limits averages $774 a year ($65 a month), and 50/100/50 liability with comprehensive and collision averages $2,090 ($174 a month).

• Full coverage (100/300/100, $500 deductibles): $2,137 a year ($178 a month)
• 50/100/50 with $500 deductibles: $2,090 a year ($174 a month)
• Liability only (25/50/20): $774 a year ($65 a month)
• Virginia Beach: $2,259 a year ($188 a month) for full coverage
• Chesapeake: $2,245 a year ($187 a month) for full coverage
• Norfolk: $2,510 a year ($209 a month) for full coverage
• Richmond (mailing address): $2,315 a year ($193 a month) for full coverage
• Arlington County: $2,178 a year ($182 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Virginia Compares With Neighboring States

Virginia’s average is about $51 a month below Kentucky’s, $19 below Maryland’s, $24 above North Carolina’s, $9 below Tennessee’s and $16 below West Virginia’s. It’s the 13th-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Virginia: Companies Compared

Looking for the cheapest auto insurance in Virginia? Start with GEICO: among these three insurers, it has the lowest full-coverage average for our benchmark driver, about $137 a month, ahead of State Farm at $169 and Allstate at $228. Travelers*, which we price from published rate studies, comes in lower still, at about $107 a month for full coverage. The bullets and table below show all three major insurers we compared and the six marked *.

• Lowest average among these three insurers, full coverage: GEICO, at about $137 a month ($1,648 a year).
• Next lowest: State Farm, at about $169 a month.
• Liability only (25/50/20): about $46 to $81 a month across these three insurers.
• Also on our list: Travelers at about $107 a month, Virginia Farm Bureau at $126, USAA at $129, Auto-Owners at $139, Nationwide at $145 and Erie at $154 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $228 a month for full coverage, $1,086 a year more than GEICO.

The recent statewide Virginia rate studies we reviewed disagree on which insurer is cheapest for full coverage: of the eight, three put a Farm Bureau insurer first, three put Travelers first and two others lead one each, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/20 limits, averages among these three insurers run from about $46 to $81 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

See What You’d Pay in Virginia

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How Virginia’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Virginia?

Not for our benchmark driver. Comparing the same insurers in the same Virginia ZIP codes, full coverage averaged $2,229 a year nine months earlier and $2,137 in rates as of Aug. 31, 2026, a 4.1% drop. State Farm cut its Virginia average 12.0%, while Allstate’s and GEICO’s averages were unchanged. The comparison covers the three insurers priced in both sets of rates. Liability-only coverage at 25/50/20 limits fell 0.4%, led by State Farm, which cut its liability-only average 1.2%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Virginia Car Insurance Costs

Virginia’s full-coverage average is the 13th-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Northern Virginia costs more. Across the 83 ZIP codes we price in Arlington, Fairfax, Loudoun and Prince William counties and the independent cities of Alexandria, Fairfax, Falls Church, Manassas and Manassas Park, full coverage averages about $192 a month, about 10% more than the $174 average across the rest of the state. GEICO is the exception: its Northern Virginia average, about $135, is a little lower than its $138 average elsewhere.
• Hampton Roads. Norfolk and Portsmouth are the two most expensive of the 106 Virginia counties and independent cities we price, and Virginia Beach and Chesapeake are among the 10 most expensive, with Hampton just behind. Newport News, at $182 a month, and Suffolk, at $179, are close to the $178 Virginia average.
• Higher minimums since 2025. For policies effective on or after Jan. 1, 2025, Virginia requires 50/100/25 liability coverage and uninsured and underinsured motorist coverage that matches your liability limits unless you ask for less (never below 50/100/25), under Va. Code §§ 46.2-472 and 38.2-2206, and since July 1, 2024, owners can no longer pay a fee instead of insuring a registered car, according to the DMV. Our liability-only prices use 25/50/20 limits, below that minimum.

Virginia Car Insurance Rates by City

This section groups ZIP codes by mailing address, the city or town name the Postal Service uses, which can cross county and city lines. Of the 14 Virginia places (by mailing address) with five or more ZIP codes in our data, Norfolk is the most expensive, at $209 a month for full coverage, followed by Alexandria at $202 and Portsmouth at $198; Roanoke is the least expensive of those 14, at about $163. Virginia Beach averages $188 and Chesapeake $187. Across all 213 places we price, averages run from about $210 in Fort Belvoir to $143 in Radford, with Blacksburg next at $144.

The table lists all 213 Virginia places in our data by mailing address, using the ZIP codes filed under each name, from most to least expensive. Search it for your town.

Virginia City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Virginia Car Insurance Rates by County or Independent City

Norfolk, an independent city, is the most expensive of the 106 Virginia counties and independent cities we price, at about $209 a month for full coverage, followed by Portsmouth ($198) and Alexandria ($197), also independent cities, and Fairfax County ($197). The least expensive are Radford ($143), Montgomery County ($145) and Harrisonburg ($148). Virginia’s 38 independent cities belong to no county, so the table labels them separately; we price 106 of the state’s 133 counties and independent cities. These rows follow county and city lines, while the city figures above are by mailing address, so the same name can show two figures: Alexandria mailing addresses, 14 ZIP codes including eight in Fairfax County, average $202, against $197 for the independent city, and Richmond mailing addresses, 13 ZIP codes in Richmond and Chesterfield and Henrico counties, average $193, against $196 for the independent city.

How Much More Does Better Coverage Cost in Virginia?

Raising liability limits from 50/100/50 to 100/300/100 adds only about $47 a year on average statewide in our data, with the same $500 deductibles. Across the three insurers, the change runs from $140 less a year (Allstate) to $148 more (State Farm). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Virginia Car Insurance Rules at a Glance

What Car Insurance Is Required in Virginia?

Virginia’s minimum car insurance requirements, for policies effective on or after Jan. 1, 2025, are $50,000 per person and $100,000 per crash in bodily injury liability and $25,000 in property damage liability (50/100/25). Every policy must also include uninsured and underinsured motorist coverage that matches your liability limits unless you ask for less, and never below 50/100/25.

• Liability: $50,000 per person and $100,000 per crash for bodily injury and $25,000 for property damage, under Va. Code § 46.2-472.
• Uninsured and underinsured motorist coverage: equal to your liability limits unless a named insured asks for less, which your insurer may require in writing, and never below 50/100/25, under § 38.2-2206 and § 38.2-2202.
• Medical expense and income-loss coverage: insurers must provide up to $2,000 per person for medical bills and up to $100 a week in lost income for up to a year if you ask for it, under § 38.2-2201. Virginia doesn’t require personal injury protection.

Our liability-only prices use 25/50/20 limits with 25/50 uninsured and underinsured motorist coverage, below that minimum, so a policy that meets the law will generally cost more than our liability-only figures. Collision and comprehensive coverage are your choice, though a lender may require them.

What Changed in Virginia’s Car Insurance Law in 2024 and 2025

Two changes took effect a few months apart. Since July 1, 2024, Virginia no longer lets owners pay a fee instead of buying insurance; every vehicle registered in Virginia must be insured, according to the DMV. And for policies effective on or after Jan. 1, 2025, the minimum rose to 50/100/25 from 30/60/20, the limits that applied to policies effective from Jan. 1, 2022, through Dec. 31, 2024, under § 46.2-472.

A newer rule took effect Oct. 2, 2026: an insurer can’t add a driver to your policy based only on information from outside sources unless it gives you at least 45 days’ notice and a chance to show that the person lives elsewhere, under § 38.2-2235.

Proof of Insurance and Penalties in Virginia

You must certify that a vehicle is insured when you register it, under § 46.2-706, and the DMV checks coverage electronically with insurers. If DMV asks for your insurance information, you have 30 days to answer; an unanswered request leads to a suspension, according to the DMV. If your coverage ends while the car is registered, you must reinsure it, deactivate the plates or surrender them. After a crash, an officer can ask for proof of insurance, and not providing it within 30 days is a Class 2 misdemeanor, under § 46.2-902.1.

Driving or letting someone drive an uninsured vehicle is a Class 3 misdemeanor, with a fine of up to $500, under § 46.2-707 and § 18.2-11. DMV suspends the owner’s license and registrations; to reinstate them, you pay a $600 noncompliance fee, file an SR-22 certificate with DMV for three years and pay any reinstatement fee, according to the DMV. The $600 fee can be paid on a plan of up to three years, with a $25 administrative fee, under § 46.2-707.1.

Credit and Rate Filings in Virginia

Virginia insurers can use credit information to help set your rate, but they can’t refuse to renew your policy based only on your credit, under § 38.2-2212. They must tell you when credit information led to an adverse decision, can’t count collection accounts with a medical code against you and must update the credit information they use at least once every three years, at renewal, under § 38.2-2234. Insurers file their rates with the State Corporation Commission no later than the day the rates take effect, under § 38.2-1906, and the commission’s Bureau of Insurance publishes consumer guides on auto insurance.

How to Lower Your Car Insurance Rate in Virginia

1. Quote several insurers. Among the three major insurers we compared in Virginia, the lowest and highest averages are about $91 a month apart for the same driver and car.
2. Compare GEICO and State Farm first. They have the two lowest full-coverage averages among the three major insurers we compared in Virginia, about $137 and $169 a month.
3. Keep your uninsured motorist coverage at your liability limits. Virginia policies match uninsured and underinsured motorist coverage to your liability limits unless you ask for less, and it can’t go below 50/100/25, under Va. Code § 38.2-2206. Our full-coverage prices include it at 100/300.
4. Decide on medical expense coverage. Virginia doesn’t require personal injury protection, but insurers must provide medical expense coverage of up to $2,000 per person and income-loss coverage of up to $100 a week if you ask for it, under Va. Code § 38.2-2201.
5. Answer DMV insurance requests. DMV checks coverage electronically with insurers, and if it asks for your insurance information, you have 30 days to answer before a suspension, according to the DMV.
6. Watch for drivers added to your policy. Since Oct. 2, 2026, an insurer can’t add a driver based only on outside information without giving you 45 days’ notice and a chance to show the person lives elsewhere, under Va. Code § 38.2-2235.
7. Use the state’s shopping guides. The State Corporation Commission’s Bureau of Insurance publishes auto insurance shopping tips, a shopper’s worksheet and a guide to how credit scoring affects your premium.
8. Compare at every renewal. Over the past nine months, State Farm has cut its statewide average 12.0%, so the order in our table can shift.
9. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
10. Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Virginia and our home insurance guides for Richmond and Virginia Beach, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Compare Virginia Car Insurance Quotes

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How We Calculated Virginia Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 1,062 full-coverage premiums from three insurers across 354 Virginia ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Virginia averages come from three insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/20 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Virginia’s minimum has been 50/100/25 since Jan. 1, 2025, so our liability-only prices use lower limits than the law requires. Virginia policies must also carry uninsured and underinsured motorist coverage of at least 50/100/25, so a policy that meets the law will generally cost more than our liability-only prices.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. The comparison covers the three insurers priced in both sets of rates: Allstate, GEICO and State Farm. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Virginia rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Virginia law and the Virginia Department of Motor Vehicles. We refresh these figures when new rate data is released.

Virginia Car Insurance FAQ