What's the Average Cost of Car Insurance in Virginia?

The Zebra
Feb. 8, 2019

Auto insurance is relatively cheap in Virginia. The average car insurance rate in Virginia is $901 per year — nearly 37% less than the US average.

Your auto insurance prices are impacted by factors other than location. Auto insurance premiums consider an array of factors, including a motorist's driving record, credit history, gender, age, and marital status.

We assessed average Virginia car insurance prices by all of the most common rating factors. Read on to learn how much auto insurance costs in your state — or enter your zip code to view tailored quotes from top insurers.


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Average Virginia car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Car Insurance Costs in Virginia by Age

It’s a fact of life: as you age, your auto insurance rates change. As a general rule, car insurance is pricier for teenage drivers, as car insurance companies see inexperienced motorists as more risky.

In Virginia, auto insurance costs $4,185 each year for a 16-year-old driver, but only $766 yearly for a driver in his or her 50s.


VIRGINIA CAR INSURANCE RATES BY AGE
AgeAverage Yearly Premium
16$4,185.37
17$3,605.64
18$3,156.75
19$2,266.00
20s$1,244.51
30s$875.49
40s$837.11
50s$766.20
60s$799.77
70s$1,022.06

If you're facing the prospect of getting a teen driver insured, it's worth noting Virginia is the 4th cheapest state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Outlays in Virginia by Gender

While gender does not have as large an impact on auto insurance prices as a driver's location or experience level, it is used as a rating factor by underwriters.


VIRGINIA CAR INSURANCE PRICES FOR WOMEN AND MEN
GenderAverage Annual Rate
Male$894.16
Female$894.81

If you're concerned about getting the best possible value for your money with your present auto insurer, the best option is to do some shopping.




Average Car Insurance Rates in Virginia by Marital Status

One benefit of getting hitched — in addition to the honeymoon — is the price cut you typically receive on insurance. In Virginia, married motorists save $87 per year on auto insurance. This is more than the national average of $76.


VIRGINIA AUTO INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$894.16
Married$807.03
Divorced$894.16
Widowed$841.51

Auto insurance for divorced drivers in Virginia is the second-cheapest in the US. If you think you're overpaying for your policy, shop around. It never hurts to see what's out there!


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Average Auto Insurance Costs in Virginia by Credit History

Auto insurers use credit history to get an idea of how responsible a customer will be. Data demonstrate drivers with superior credit are more dependable car insurance customers: they less frequently file claims covered by insurance companies.

In Virginia, a driver who carries exceptional credit saves $788.54 per year on auto insurance rates, compared to a driver saddled with a less-favorable credit score. Read more about how credit history impacts car insurance expenditures:


VIRGINIA AUTO INSURANCE EXPENDITURES BY CREDIT TIER
Credit QualityAverage Annual Rate
Very Poor (300-579)$1,609.37
Fair (580-669)$1,324.43
Good (670-739)$1,108.45
Very Good (740-799)$937.09
Exceptional (800-850)$820.83

Getting affordable car insurance if you're saddled with a poor credit score is sometimes hard. But The Zebra is here to help. Review our guide to finding auto insurance with poor credit and save!




Average Auto Insurance Costs for High-Risk Drivers in Virginia

If you’re discovered to be at fault for a car crash or convicted of a driving violation, your auto insurance rates are going to climb. The more offenses you rack up, the more costly your auto insurance gets.

In Virginia, your first minor at-fault accident leads to an additional $438.09 per year in car insurance premiums. A DUI — among the most severe driving offenses — will lift your annual insurance expenditure in Virginia by an average of $368.99.


VIRGINIA CAR INSURANCE PRICES AFTER TICKETS
AgeAverage Annual Rate
DWI/DUI$1,269.72
Reckless Driving$1,547.73
At-Fault Accident (<$1,000)$1,338.83
At-Fault Accident ($1,000-$2,000)$1,380.41
At-Fault Accident (>$2,000)$1,338.83
Open Container$1,417.83
Speeding (21-25 MPH > limit)$1,220.46
Speeding (16-20 MPH > limit)$1,208.00

If you're facing above-average car insurance costs, think about weighing your options to find cheap coverage that suits your needs.




Average Car Insurance Costs by Coverage Amount in Virginia

How much you pay every month for car insurance depends on the tier of coverage you select. Liability-only coverage typically costs less, while lower-deductible comprehensive coverage costs more. In Virginia, the rate gap between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $564.


VIRGINIA CAR INSURANCE PREMIUMS BY COVERAGE
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$482
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$918
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,040
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$424
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$860
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$982
State Minimum — Liability Only$376
State Minimum — $1,000 Comprehensive/Collision$817
State Minimum — $500 Comprehensive/Collision$940

If you're saddled with high car insurance costs, think about insurance shopping to discover affordable coverage that fits your needs.