Virginia Car Insurance Rates

Estimated insurance prices in Virginia for 2018 are $960 a year with full coverage. Comprehensive, collision insurance, and liability coverage cost on average $214, $390, and $248, 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: $960

Policy rates by individual coverage:

Comprehensive $214
Collision $390
Liability $248

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 $294 for just liability insurance to a high rate of $2,076 for a driver who requires high-risk insurance.

Liability Only $294
Full Coverage $960
High Risk $2,076

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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Virginia car insurance rate comparison chart
Column chart showing Virginia car insurance prices range from $552 to $3,532 for full coverage

The chart above shows Virginia auto insurance rates for various coverage choices and risks. The cheapest rate with discounts is $552. Drivers who choose higher $1,000 deductibles will pay $822. The average rate for a 40-year-old male driver using $500 deductibles is $960. Using lower $100 deductibles for comp and collision coverage could cost up to $1,226. High risk drivers could be charged up to $2,076. The policy rate for full coverage insurance for a teen driver can be as high as $3,532.

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 $410 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 $223 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 ModelPremium% to Avg
Chevrolet Silverado$1,0165.5%
Dodge Ram$1,0448%
Ford Escape$800-20%
Ford Focus$928-3.4%
Ford Fusion$1,0205.9%
Ford F-150$902-6.4%
GMC Acadia$884-8.6%
GMC Sierra$9983.8%
Honda Accord$896-7.1%
Honda Civic$1,0528.7%
Honda CR-V$778-23.4%
Honda Pilot$912-5.3%
Hyundai Sonata$9781.8%
Kia Optima$9963.6%
Nissan Altima$9882.8%
Nissan Rogue$9680.8%
Toyota Camry$9781.8%
Toyota Corolla$956-0.4%
Toyota Prius$892-7.6%
Toyota RAV4$906-6%
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
RankCompanyMarket ShareAverage Rate
1State Farm17.19%$1,121
2Geico16.93%$1,016
3USAA12.67%$702
4Allstate10.09%$1,574
5Nationwide9.22%$944
6Progressive8.12%$1,234
7Erie Insurance3.61%$796
8Liberty Mutual3.15%$2,455
9Virginia Farm Bureau2.20%$818
10Travelers2.01%$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 $900 a year, or $75 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers will be charged upwards of $3,500 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 $700 a year, whereas some areas in Burke and Alexandria could have rates closer to $1,300. 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 $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers can be around 45% to 128% 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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Rates by Driver Age

Virginia Insurance Rates by Driver Age
Driver AgePremium
16$3,532
20$2,218
30$1,004
40$960
50$878
60$860

Full coverage, $500 deductibles

Rates by Deductible

Virginia Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,226
$250$1,102
$500$960
$1,000$822

Full coverage, driver age 40

Rates by Liability Limit

Virginia Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$960
50/100$1,010
100/300$1,072
250/500$1,233
100 CSL$1,034
300 CSL$1,171
500 CSL$1,270

Full coverage, driver age 40

Rates for High Risk Drivers

Virginia Car Insurance Rates for High Risk Drivers
AgePremium
16$5,050
20$3,522
30$2,126
40$2,076
50$1,980
60$1,960

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 $133

Potential Rate Discounts

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

DiscountSavings
Multi-policy$51
Multi-vehicle$49
Homeowner$13
5-yr Accident Free$72
5-yr Claim Free$62
Paid in Full/EFT$45
Advance Quote$48
Online Quote$68
Total Discounts$408
Rate after discounts $552

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

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