Average car insurance cost in Virginia
Virginia lands in the affordable middle of the pack at #11 of 51, with average premiums about 19% below the national average — around $468 a year cheaper than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Virginia compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Virginia next to nearby states:
| State | Full coverage /mo | Difference vs VA |
|---|---|---|
| Virginia | $169 | — |
| Maryland | $211 | +$42/mo |
| North Carolina | $147 | −$22/mo |
| West Virginia | $179 | +$10/mo |
| Washington, D.C. | $244 | +$75/mo |
Virginia car insurance FAQ
How much is car insurance in Virginia?
Full-coverage car insurance in Virginia averages $169 per month ($2,028 per year). A state-minimum liability policy averages $82 per month ($984 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Virginia more expensive than average?
No. Virginia's full-coverage average of $169/month is about 19% below the U.S. average of $208/month, ranking #11 of 51 (1 = cheapest).
Is Virginia a no-fault state?
No. Virginia is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Virginia?
Minimum liability in Virginia averages $82/month versus $169/month for full coverage — a gap of $87/month, or $1,044/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.