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

The Zebra
Oct. 11, 2018

Auto insurance policies are affordable in Virginia. The average car insurance price in Virginia is $901 per year — 36.9% less than the US average.

But car insurance rates are affected by more than just geography. Auto insurance premiums take into account myriad considerations, such as your driving record, credit history, gender, age, and marital status.

We examined average Virginia auto insurance rates by each of the primary rating components. Read on to learn how much car insurance costs in each state — or submit your zip code to see unique prices from popular auto insurance companies.


Average Car Insurance Prices in Virginia by Age

It's impossible to avoid: as you get older, your car insurance rates change. Generally, auto insurance is pricier for young drivers, as insurers see inexperienced motorists as less responsible.

In Virginia, auto insurance costs $4,185 per year for a 16-year-old driver, versus $766 per annum for a driver in their 50s.


VIRGINIA CAR INSURANCE COSTS BY AGE
Age Average Annual 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



Average Car Insurance Outlays in Virginia by Gender

While gender does not have as large an impact on car insurance rates as a driver's location or experience level, it is used as a rating factor. Men pay less than do women for auto insurance in Virginia, but the difference is just $0.66 per year.

VIRGINIA CAR INSURANCE PREMIUMS BY GENDER
Gender Average Annual Rate
Male $894.16
Female $894.81



Mean Auto Insurance Rates in Virginia by Marriage Status

One benefit of married life — in addition to the honeymoon — is the better deal you tend to receive on insurance. In Virginia, married motorists save $87 annually on car insurance. This is a better deal than the national post-nuptial discount of $76.


VIRGINIA CAR INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $894.16
Married $807.03
Divorced $894.16
Widowed $841.51



Average Auto Insurance Prices in Virginia by Credit History

Auto insurance underwriters reference credit to predict the reliability of a prospective client. Data trends suggest drivers who carry good credit scores are more reliable car insurance customers: they are less likely to file claims for which insurance companies end up on the hook.

In Virginia, a motorist who holds unblemished credit saves $788.54 per year in car insurance premiums, compared with a driver saddled with a bad credit score. Read more about how credit score can affect car insurance expenses:


VIRGINIA CAR INSURANCE COSTS BY CREDIT LEVEL
Credit Level Average 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



Average Car Insurance Costs for Bad Drivers in Virginia

If you are defined as to be at fault after an accident or found guilty of a driving infraction, your auto insurance costs are bound to rise. The more offenses you accumulate, the more costly your auto insurance gets.

In Virginia, your first minor at-fault crash leads to a penalty of $438.09 annually in car insurance payments. A DUI — one of the most grievous driving infractions — could grow your yearly insurance rates in Virginia by an average of $368.99.


VIRGINIA CAR INSURANCE RATES AFTER VIOLATIONS
Age Average Annual Rate
DUI or DWI $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 your premiums are above-average, think about insurance shopping to find affordable insurance coverage that works.


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