Virginia Car Insurance Calculator
Calculate your auto insurance cost in Virginia. Compare with state averages and find savings.
$1,345
Avg Annual Premium
30/60/20
Min Liability
Monthly Avg
$112
Full Coverage
$1,756
Min Coverage
$467
Uninsured Rate
9.4%
Virginia Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$20,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Virginia
DC metro trafficMilitary basesVaried terrain
Major Metro Areas in Virginia
Virginia BeachNorfolkChesapeakeRichmondNewport NewsAlexandria
FAQ
Virginia Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Virginia
The average annual car insurance premium in Virginia is $1,345, or about $112 per month. Full coverage averages $1,756 annually, while minimum coverage averages $467. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Virginia requires minimum liability coverage of 30/60/20 ($30,000/$60,000 for bodily injury and $20,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting Virginia car insurance rates include: DC metro traffic, Military bases, Varied terrain. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 9.4% of drivers in Virginia are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Virginia car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Virginia include: State Farm, GEICO, Progressive, Allstate, USAA. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
VA Insurance Costs
Average premiums in Virginia:
- Annual Average$1,345
- Monthly Average$112
- Full Coverage$1,756
- Minimum Coverage$467
VA Requirements
Minimum coverage required:
- Liability30/60/20
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate9.4%
Top VA Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •USAA