The Average Cost of Car Insurance in Virginia

The average cost of car insurance in Virginia is $2,003 per year or $167 per month for full coverage. You may pay more or less depending on your circumstances and chosen coverage levels. Below, we’ve broken down average costs by category.

By Coverage Level

In Virginia, the cost of full coverage is more than twice as much as minimum coverage. Keep in mind that minimum liability coverage only pays for the other party’s losses in the event you cause an accident.

Here are the cheapest car insurance companies in Virginia for various categories, regardless of your ZIP code.

Here are three strategies that can help you lower your car insurance bill in Virginia:

• Compare quotes: Each insurance provider uses their own formula to determine premiums, meaning different companies will quote you different amounts. We recommend comparing at least three quotes to find the cheapest car insurance in Virginia. When getting a quote, make sure your limits and deductibles are the same; that way, you’re comparing apples to apples.
• Take a defensive driver class: Some insurance companies offer a discount for taking an approved defensive driver safety course. The discount often applies for several years after you take the course.
• Increase your deductibles: A deductible is how much you pay toward repairs before your insurance coverage kicks in. Higher deductibles mean you pay less in monthly bills. Before changing your deductibles, consider whether you could afford the out-of-pocket expense in the event of an accident.

Virginia’s car insurance laws require all drivers to carry the following minimum car insurance requirements as of 2025:

• Bodily injury liability: $50,000 per person/$100,000 per accident
• Property damage liability: $25,000 per accident

Virginia is an at-fault state, meaning that the at-fault driver’s insurance is responsible for paying for injuries and damages. However, Virginia is one of a few states that follows a pure contributory negligence doctrine. That means if an injured party is partially to blame for the accident — even 1 percent — they are not entitled to collect damages.

Virginia is the only state other than Florida that uses FR-44s in addition to SR-22s.

An SR-22 is a form stating you hold the minimum insurance liability requirements. You would need one in Virginia for offenses like falsifying insurance information or driving without insurance.

An FR-44 form certifies you hold double the minimum requirements. In Virginia, this would be $100,000/$200,000 of bodily injury liability per person/per accident and $50,000 of property damage liability per accident as of 2025. Virginia requires FR-44s for more serious violations, like DUIs.

If you cannot find insurance on the open market due to low credit, a history of DUIs or other factors, you can seek coverage through the Virginia Automobile Insurance Plan. To do so, contact the National Specialty Insurance Company:

• Phone: (888) 820-0170¹
• Fax: (800) 516-1923
• Mailing Address:

National Specialty Insurance Company
Serviced by AIPSO

PO Box 6530

Providence, RI  02940

• Email: vaip@aipso.com

Virginia requires drivers to have insurance, as it recently eliminated its $500 uninsured motor vehicle fee. On average, Virginians pay less than drivers in other states for insurance. USAA and Travelers are two of the cheapest companies for auto insurance in the state. We’ve also reviewed the best car insurance providers in Virginia.

We analyze average auto insurance premiums in Virginia for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible