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Average cost of car insurance in Virginia for 2025

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How much is car insurance in Virginia? 

Virginia drivers pay fairly low average rates fornational average. The average car insurance cost in Virginia for full coverage, which is $2,070 per year, is 23 percent less than the national average of $2,671. Minimum coverage in Virginia costs an average of $753 per year, almost 8 percent less than the national average of $806. These relatively low rates are likely due to the lower cost of living and low traffic density in more rural parts of the state.

While average rates are useful as a comparative baseline, several other factors personal to you and your vehicle.

Key takeaways

  • Virginia car insurance rates average $2,070 per year or $172 per month for full coverage and $753 per year or $63 per month for minimum coverage.
  • The age group that pays the most for car insurance in Virginia is 18-year-old male drivers on their own policy at an average of $7,551 per year for full coverage.
  • Full coverage rates after an at-fault accident in Virginia cost an average of 42 percent more per year.
  • Drivers with excellent credit pay 17 percent less than the state average for full coverage.

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Virginia car insurance rates by city

Car insurance rates vary by city, and Virginia is no exception. In some cities, rates may be lower due to a lower cost of living or a lower likelihood of accidents. Conversely, rates could be higher in areas that are more likely to see claims being filed. The table below showcases Virginia car insurance rates for 10 of the most populous cities and compares each city’s average full coverage premium to the state average.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average