Car Insurance Comparison: Virginia vs. California

Planning a move from Virginia to California? Remember to update your car insurance.

Comparing car insurance in Virginia and California

If you’re moving from Virginia to California, chances are you're fixated on the major concerns and big expenses: finding a dependable moving service, finding a new apartment or house in your new state, and setting your move-in schedule.

Amid all the stress, it can be easy to overlook the details. Car insurance coverage is just a detail, but it's crucial. To find a cheap rate and stay street legal, plan to update your policy — or find a new one — when you move from one state to another.

Check out our guide to auto insurance in Virginia versus California and plan accordingly. We'll cover the following topics:


  1. Insurance cost comparison
  2. Insurance rates by coverage level
  3. Affordable companies by state
  4. Rates in major cities
  5. Additional resources


Virginia vs. California car insurance — average rates

Expect to pay more for auto insurance once you move. The average annual auto insurance rate in California is $579 pricier than the average cost in the state of Virginia. Keep in mind this cost depends on your coverage level, driving and insurance history, and your auto insurance company.


AUTO INSURANCE PREMIUMS IN VIRGINIA VS. CALIFORNIA
StateAverage Annual Rate
Virginia$1,127
California$1,707


Average car insurance costs by coverage level

How much you pay for car insurance depends on your vehicle, your personal driving profile, and how much protection you want out of your policy.

If you elect your state's minimum liability auto insurance coverage, you will most likely carry bodily injury, medical payment, and property damage liability coverages, plus uninsured/underinsured motorist coverage and personal injury protection (PIP) in certain states.


CAR INSURANCE RATES FOR STATE MINIMUM COVERAGE IN VIRGINIA vs. CALIFORNIA
LocationTime PeriodCost
VirginiaAnnual$376
CaliforniaAnnual$573
Virginia6-Month$188
California6-Month$286
VirginiaMonthly$31
CaliforniaMonthly$48


Choosing to carry full-coverage car insurance will cost more each month, but you’ll get the peace of mind that comes with collision and comprehensive coverages, plus rental reimbursement and roadside assistance protection. The main benefit of full coverage auto insurance is that it insures you and your vehicle more comprehensively than does basic coverage. If you want to go the extra mile to protect your investment, full coverage could be the way to go.


CAR INSURANCE RATES FOR FULL COVERAGE IN VIRGINIA vs. CALIFORNIA
StateDurationRate
VirginiaAnnual$982
CaliforniaAnnual$1,626
Virginia6-Month$491
California6-Month$813
VirginiaMonthly$82
CaliforniaMonthly$135


Inexpensive auto insurance companies in Virginia and California

A major contributor to your auto insurance costs is your choice of auto insurance company. Underwriters assign premiums in a number of ways, resulting in substantial variations in pricing. Your location also comes into play: some insurers only sell policies in a few states, while major insurers' rates change by state.

When moving, it's crucial to find the best cheap car insurance company in your new state. Get your research started below with our list of the five cheapest car insurance companies in Virginia and California.


CHEAP CAR INSURANCE COMPANIES IN VIRGINIA
Insurance CompanyAverage Annual Rate
Travelers$666
USAA$702
Penn National$733
Cincinnati$748
Utica National$773


See additional cheap auto insurance companies in Virginia.


CHEAP CAR INSURANCE COMPANIES IN CALIFORNIA
CompanyAverage Annual Rate
USAA$1,132
Wawanesa$1,169
Century National$1,202
CSAA$1,210
Nationwide$1,238


View more inexpensive auto insurance companies in California.


Car insurance rates by city in Virginia and California

Although car insurance is regulated at the state level, insurance companies price rates by ZIP code to account for local factors such as density and the likelihood of a crash. The location to which you relocate plays a major role in deciding your rates.

View the below tables to see car insurance rates in major cities in California and Virginia.


AUTO INSURANCE RATES BY CITY IN VIRGINIA
CityAverage Annual Rate
Virginia Beach$929
Norfolk$980
Chesapeake$917
Arlington$993
Richmond$995


View a more comprehensive list of car insurance rates in Virginia cities here.


CAR INSURANCE PREMIUMS BY CITY IN CALIFORNIA
CityAverage Annual Rate
Los Angeles$2,125
San Diego$1,354
San Jose$1,409
San Francisco$1,728
Fresno$1,487


Looking for another city's data? View auto insurance rates in other California cities here.


More information on moving from Virginia to California

When you relocate from Virginia to California, you’ll encounter a new set of driving laws, potentially different SR-22 rules, and more. Make sure your move goes off without a hitch with our collection of information on your new state: