The average driver in Virginia pays about $1,238 a year for full coverage — about 14% less than the US average of $1,438. That ranks Virginia #30 of 51 states (mid-pack). The car you drive then shifts it: a cheap-to-insure model can land near $594, a high-loss one well over $9,117.
Virginia insurance cost by coverage
Average Virginia premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Virginia
Virginia legally requires at least 50/100/25 in liability coverage — $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage. Uninsured-motorist coverage is required. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Virginia
Estimated annual premium in Virginia, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
- Zero ads — clean, fast pages
- …and much more
Most expensive cars to insure in Virginia
The priciest cars to insure in Virginia — powerful, theft-prone and costly to repair.
Virginia insurance cost by year
Virginia premiums are up about +28% since 2019. Average Virginia premium by year:
| Year | Virginia avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Virginia's largest cities
Rates vary within Virginia by city and ZIP — dense metros like Virginia Beach run above the state average, while smaller towns run below. Estimated typical premium in Virginia's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Virginia Beach | $1,362/yr | +10% urban |
| Norfolk | $1,325/yr | +7% urban |
| Richmond | $1,300/yr | +5% urban |
| Chesapeake | $1,288/yr | +4% urban |
| Arlington | $1,263/yr | +2% urban |
| Newport News | $1,250/yr | ≈ state avg |
| Alexandria | $1,238/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.