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Last updated: July 18, 2023

The Average Cost of Car Insurance in Virginia

This is what you can expect to pay for car insurance in Virginia.

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Virginia is one of two states that doesn’t require auto insurance. Instead, drivers can opt to pay a $500 uninsured motorist fee. However, without car insurance, you’re liable to pay for losses if you cause an accident.

Since Virginia is one of the cheaper states for auto insurance — with rates about 24 percent below the national average, according to the National Association of Insurance Commissioners — it usually makes the most sense to buy an insurance policy. Read on to find out how much you can expect to pay for auto insurance in the Old Dominion.

Average Car Insurance Costs in Virginia

The average cost of car insurance in Virginia is $928 per year or $77 per month. You’ll pay more or less, depending on your circumstances and chosen coverage levels. Below, we’ve broken down average costs by category.

By Age

The cost of auto insurance for teens is higher than for older drivers, due to their inexperience and higher likelihood of engaging in unsafe driving behaviors. On average, Virginians under the age of 20 pay $2,813 annually for auto insurance.

Age Average annual cost of car insurance
16 $3,203
17 $2,815
18 $3,255
19 $1,982
20s $1,684
30s $1,054
40s $1,022
50s $959
60s $910
70s $1,219

By Gender

Male drivers tend to pay more for auto insurance than female drivers, though the difference is most significant for drivers under age 25.

Gender Average annual cost of car insurance
Male $1,203
Female $1,173

By Marital Status

Married drivers tend to pay slightly less for auto insurance. In Virginia, tying the knot will save you about $87 annually.

Marital status Average annual cost of car insurance
Single $894
Married $807
Divorced $894
Widowed $841

By Coverage Level

In Virginia, the cost of full coverage is about two-and-a-half times 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.

TIP:

In Virginia, the average cost of minimum coverage is $434, which is less than the state’s $500 uninsured motorist fee — meaning it’s often cheaper to buy insurance than to go without.

Coverage level Average annual cost of car insurance
Minimum liability $434
Full coverage $1,090

By Credit Score

Like in most states, auto insurance providers in Virginia can take your credit score into account when determining your premiums. On average, Virginians with low credit pay twice as much as those with excellent credit.

Credit score Average annual cost of car insurance
Poor $1,802
Average $1,250
Good $1,045
Excellent $883

By Violation

In Virginia, a speeding ticket will raise your rates by about 20 percent, an at-fault accident by 38 percent and a DUI by 68 percent.

Driving history Average annual cost of car insurance
Clean driving record $1,090
Speeding ticket $1,309
Accident $1,507
DUI $1,827

NOTE:

If you cause an accident, it can be tempting not to file a claim to avoid rate hikes. However, it is essential to exchange information with the other driver, file a police report and file a claim with your provider to avoid lawsuits and other problems down the line.

By Company

Progressive, GEICO and USAA offer some of the cheapest rates in Virginia. Keep in mind USAA is available only to military members, veterans and their families.

Company Average annual cost of car insurance
Allstate $908
GEICO $670
Mercury $864
Farmers $1,183
Progressive $504
State Farm $744
Travelers $849
USAA $664

Cheap Car Insurance Cost in Virginia

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

Category Cheapest company Annual rate
Full coverage car insurance Erie $845
Minimum coverage Erie $360
Excellent credit Erie $718
Good credit Erie $845
Low credit Virginia Farm Bureau $1,468
Single Erie $865
Married Erie $794
Female teens Nationwide $1,176
Male teens Nationwide $1,283
Military/veteran USAA $664
At-fault accident Auto-Owners $1,185
Ticket Erie $1,004
DUI Virginia Farm Bureau $1,271

How to Lower Car Insurance Rates in Virginia

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

  1. 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 insurance. When getting a quote, make sure your limits and deductibles are the same; that way, you’re comparing apples to apples.
  2. Take a defensive driver class: Some insurance companies offer a discount for taking an approved defensive driver or similar driver safety course. The discount often applies for several years after you take the course.
  3. 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.

Minimum Car Insurance Coverage in Virginia

Virginia requires all drivers to carry the following minimum car insurance requirements or pay the $500 uninsured motor vehicle fee. The fee does not provide insurance but only allows you to drive an uninsured vehicle at your own risk. Additionally, the state’s minimum requirements will increase in 2025.1

Policy effective dates Required coverages and limits in Virginia
January 1, 2022, through December 31, 2024
  • Bodily injury per person/per accident: $30,000/$60,000
  • Property damage per accident: $20,000
On or after January 1, 2025
  • Bodily injury per person/per accident: $50,000/$100,000
  • Property damage per accident: $25,000

Fault Law in Virginia

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.

SR-22s and FR-44s

Virginia is the only other state besides Florida to use 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 $60,000/$120,000 of bodily injury liability per person/per accident and $40,000 of property damage liability per accident as of July 2023. 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: (855) 224-2247
  • Fax: (855) 224-7329
  • Mailing Address:
    • National Specialty Insurance Company
      Serviced by AIPSO
    • PO Box 6200
    • Providence, RI  02940
  • Email: CommercialAuto@aipso.com2

Recap

Technically, Virginia does not require drivers to have insurance as they can elect to pay a $500 fee instead of a traditional policy. However, in most cases, it costs less and is wiser financially to purchase auto insurance. On average, Virginians pay less than drivers in other states for insurance. USAA and Erie are two of the cheapest companies for auto insurance in the state.

Methodology

Over the past two decades, AutoInsurance.com has gathered millions of data points that we use to match customers with the best policies for their needs. In addition to our database, we leverage knowledge of state-specific laws, coverage requirements, SR-22s/FR-22s and fault systems to give you an accurate sense of how much you’ll pay.

Frequently Asked Questions

Is it illegal to drive without insurance in Virginia?

Unless you pay the $500 uninsured motor vehicle fee, it is illegal to drive without insurance in Virginia. If you do not pay the fee and drive without insurance, you can face the following penalties:

  • License and registration suspension
  • $600 fee
  • SR-22 requirement for three years
  • Potential additional license reinstatement fees

Are car insurance rates going up in Virginia?

Yes, car insurance rates are going up in Virginia — as well as in the rest of the country. Last year, in 2022, rates rose about 10 to 15 percent in the state and about 15 percent nationally.

Does insurance follow the car or the driver in Virginia?

Car insurance follows the car in Virginia. That means if you lend your car to someone and they get into an accident, insurance will pay for the damages. If the person driving your car was at-fault, your provider may increase your rates.

Citations

  1. Insurance Requirements. Virginia Department of Motor Vehicles. (2023).
    https://www.dmv.virginia.gov/vehicles/#insurance.asp

  2. Virginia Automobile Insurance Plan. AiPSA. (2023).
    https://www.aipso.com/Plan-Sites/Virginia