How much is car insurance in Virginia exactly? Well, that depends. 

Many factors affect how much car insurance is in Virginia and across the whole United States. If you live in Virginia, there is some good news. Relatively speaking, car insurance in Virginia is not that expensive. In fact, it is cheaper than the national average. 

How much you end up paying for car insurance will depend on a number of personal factors about you and your situation. For example, your driving record will determine how much your car insurance is in the state of Virginia. Your age and the type of insurance you get also play a big role in your costs.

Below you’ll find some average costs you can expect to pay and how certain factors can increase or decrease your monthly car insurance premiums.

How Much Is Car Insurance In Virginia?

Rates change all the time, but here you’ll find the current average costs of car insurance premiums in Virginia.

Overall, the average cost of car insurance premiums in the state of Virginia in 2022 ranges from $900 to $1,000 per year. Virginia’s car insurance coverage is lower than the national average, $1,483 per year.  

The amount of car insurance coverage you will be having is a factor that affects the rates of your car insurance. Specifically whether you get full coverage vs minimum coverage.

If you are only planning to have minimum coverage, Virginia’s average car insurance rate in 2022 ranges between $372 to $555 per year.  

On the other hand, the average cost of car insurance premiums in Virginia in 2022 ranges from $972 to $1,350 for full coverage. While these rates are auite a bit higher than minimum coverage rates, you may end up paying a lot more if you get in an accident.

Car Insurance Companies in Virginia

The car insurance provider is another factor that affects how much car insurance premiums you will pay in Virginia. 

The car insurance company that offers the cheapest rates for the minimum coverage is USAA. Their premiums are only $366 per year for minimum coverage. 

On the other hand, the most expensive car insurance minimum coverage we found comes from Kemper. Their car insurance premiums cost $946 per year for minimum coverage. 

The cheapest total coverage car insurance comes from Nationwide at only $770 per year. Meanwhile, the most expensive full coverage for car insurance comes from Electric Insurance Company, $3,308. 


Another thing that will affect the car insurance rates in Virginia is your age. Virginia’s cheapest car insurance rates are premiums for drivers in their 50s.

Their yearly premiums are only $766.20 on average, much like most states, the younger the driver, the more expensive the premiums. For example, the car insurance premiums for 17 years old are $3,605.64 per year, while for 30 years old, it is only $875.49. 

Driving History 

Another factor influencing auto insurance premiums in Virginia is a driver’s driving history. The average annual premium for drivers who have been involved in an accident at their fault is $1,300. Meanwhile, if the driver is arrested and charged with a DUI, their vehicle insurance costs will climb to $1,269.72 per year.

Leave a Reply