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By Kristine Lee Info icon
Updated September 16, 2024
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Kristine Lee

Insurance Analyst

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  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

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  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Comparing auto 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
State Average 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
Location Time Period Cost
Virginia Annual $376
California Annual $573
Virginia 6-Month $188
California 6-Month $286
Virginia Monthly $31
California Monthly $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
State Duration Rate
Virginia Annual $982
California Annual $1,626
Virginia 6-Month $491
California 6-Month $813
Virginia Monthly $82
California Monthly $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 Company Average 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
Company Average 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
City Average 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.

 

CAR INSURANCE PREMIUMS BY CITY IN CALIFORNIA
City Average 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.

 

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:

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.