Virginia Car Insurance Rates
Estimated insurance prices in Virginia for 2019 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:
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.
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.
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Recommended Companies for Cheap Virginia Insurance
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.
|Make and Model||Premium||% to Avg|
|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.
|Rank||Company||Market Share||Average Rate|
|9||Virginia Farm Bureau||2.20%||$818|
|Get Your Rates Quote Now|
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.
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
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- Who Has the Cheapest Insurance Quotes for a Nissan Sentra in Virginia?
- Who Has Cheap Insurance Quotes for a Ford Escape in Virginia?
- How Much is Insurance for a Nissan Altima in Virginia?
- Who Has the Cheapest Insurance for a Honda Civic in Virginia?
- Who Has the Cheapest Insurance for a Chevrolet Equinox in Virginia?
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$63|
|5-yr Claim Free||$54|
|Paid in Full/EFT||$40|
Discounts are estimated and may not be available from every company or in every state.