Find Cheaper Virginia Car Insurance Rates in 2024

Enter your Virginia zip code below to view companies that have cheap auto insurance rates.

Estimated insurance prices in Virginia for 2024 are $842 a year with full coverage. Comprehensive, collision insurance, and liability coverage cost on average $188, $342, and $218, respectively. Burke, Alexandria, and Lake Ridge tend to have higher car insurance rates, and the two largest writers in Virginia are State Farm and Geico.

Average rate for full coverage: $842

Policy rates by individual coverage:

Comprehensive $188
Collision $342
Liability $218

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range of Car Insurance in Virginia

For the normal driver, insurance rates range from the cheapest price of $258 for just liability insurance to a high rate of $1,818 for a driver who requires high-risk insurance.

Liability Only $258
Full Coverage $842
High Risk $1,818

These rate differences demonstrate why all drivers should compare prices based on a specific location and their own driving history, rather than using generic averages.

Use the form below to get accurate rates for your location.

Enter your Virginia zip code below to view companies that have cheap auto insurance rates.

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Virginia car insurance rate comparison chart
Column chart showing Virginia car insurance prices range from $483 to $3,102 for full coverage

The chart above shows Virginia auto insurance rates for various coverage choices and risks. The cheapest rate with discounts is $483. Drivers who choose higher $1,000 deductibles will pay $722. The average rate for a 40-year-old male driver using $500 deductibles is $842. Using lower $100 deductibles for comp and collision coverage could cost up to $1,076. High risk drivers could be charged up to $1,818. The policy rate for full coverage insurance for a teen driver can be as high as $3,102.

Car insurance rates in Virginia also have a wide range based on physical damage deductibles and liability limits, your driving record, and the type of vehicle you drive.

Choosing high deductibles could cut rates by as much as $360 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $196 extra every 12 months. View Rates by Deductible or Liability Limit

The type of car, truck, or SUV you buy makes a big difference in how much you will pay for insurance in Virginia. Choosing to drive a cheaper and safe model will have a lower insurance cost because of lower cost for replacement parts and less likelihood of injuries in accidents.

The following table shows auto insurance estimates for the most popular vehicles on the road in Virginia.

Virginia Auto Insurance Rates for Popular Vehicles
Make and Model Premium % to Avg
Chevrolet Silverado $888 5.2%
Dodge Ram $914 7.9%
Ford Escape $700 -20.3%
Ford Focus $816 -3.2%
Ford Fusion $894 5.8%
Ford F-150 $792 -6.3%
GMC Acadia $776 -8.5%
GMC Sierra $876 3.9%
Honda Accord $786 -7.1%
Honda Civic $920 8.5%
Honda CR-V $682 -23.5%
Honda Pilot $802 -5%
Hyundai Sonata $852 1.2%
Kia Optima $868 3%
Nissan Altima $866 2.8%
Nissan Rogue $844 0.2%
Toyota Camry $858 1.9%
Toyota Corolla $840 -0.2%
Toyota Prius $780 -7.9%
Toyota RAV4 $794 -6%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

Your auto insurance company affects your policy price. In each state, every insurer has a different rate structure, and prices can range greatly based on your risk profile.

In Virginia, auto insurance prices range from $666 with Travelers to as much as $2,455 with Liberty Mutual. Other companies like USAA, Penn National, and Cincinnati Insurance fall somewhere in between. These are probably not the prices you would pay, as your location, the vehicle type, and your driving history all influence the price.

Virginia Auto Insurance Companies by Market Share and Average Rate
Rank Company Market Share Average Rate
1 State Farm 17.19% $1,121
2 Geico 16.93% $1,016
3 USAA 12.67% $702
4 Allstate 10.09% $1,574
5 Nationwide 9.22% $944
6 Progressive 8.12% $1,234
7 Erie Insurance 3.61% $796
8 Liberty Mutual 3.15% $2,455
9 Virginia Farm Bureau 2.20% $818
10 Travelers 2.01% $666
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

More mature drivers with no driving violations and higher deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers will be charged upwards of $3,100 a year. View Rates by Age

Where you choose to live in Virginia has a huge impact on auto insurance rates. Less congested rural areas may have rates around $600 a year, whereas some areas in Burke and Alexandria could have rates closer to $1,200. Even different neighborhoods close to each other in the same city can have very different rates.

These rate differences illustrate why it is so important to get rates based on where you live in Virginia.

View Chart as Image

Virginia insurance rates by city

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,000 to $1,400 extra annually, depending on your age. Insurance for high-risk drivers can be around 45% to 133% more than average. View High Risk Driver Rates

With so much difference in rates, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.

Virginia Auto Insurance Articles

Rates by Driver Age

Virginia Insurance Rates by Driver Age
Driver Age Premium
16 $3,102
20 $1,948
30 $882
40 $842
50 $768
60 $754

Full coverage, $500 deductibles

Rates by Deductible

Virginia Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,076
$250 $966
$500 $842
$1,000 $722

Full coverage, driver age 40

Rates by Liability Limit

Virginia Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $842
50/100 $886
100/300 $940
250/500 $1,082
100 CSL $907
300 CSL $1,027
500 CSL $1,115

Full coverage, driver age 40

Rates for High Risk Drivers

Virginia Car Insurance Rates for High Risk Drivers
Age Premium
16 $4,428
20 $3,092
30 $1,862
40 $1,818
50 $1,734
60 $1,720

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

FR-44 Surcharge $117

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $43
Homeowner $12
5-yr Accident Free $63
5-yr Claim Free $54
Paid in Full/EFT $40
Advance Quote $42
Online Quote $60
Total Discounts $359
Rate after discounts $483

Discounts are estimated and may not be available from every company or in every state.

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