Virginia Car Insurance Costs
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
What happens if you just can’t afford to buy insurance?
You can pay an uninsured vehicle fee, which allows you to operate the vehicle at your own risk for one year. You have to pay this fee every year that you don’t have insurance.
Can your insurance company add points to your driving record?
Insurance companies can add points to your insurance record, but this is separate from your DMV driving record. Insurance companies use your driving record to assess points in their own databases. These points affect your rates.
How much coverage do you have to buy?
Virginia state law sets limits on the liability coverage you are required to have. You can purchase additional or other types of coverage, but you have to have at least the minimum.
