Cheap Virginia car insurance can be found on compact SUVs like the Subaru Crosstrek, small pickups like the Chevrolet Colorado, and compact cars like the Toyota GR Corolla or Nissan Leaf.
Average rates for popular vehicles in Virginia include the Chevy Silverado at $2,092 per year, the Honda Accord at $1,828, and the Ford Mustang at $2,078.
What is average car insurance cost in Virginia?
In Virginia, the average annual cost of car insurance is $1,890, which is 16.1% less than the overall national average rate of $2,221. Car insurance in Virginia per month costs an average of $158 for full coverage.
Average Virginia car insurance rates for some of the most popular vehicles include the Toyota Camry at an average of $2,032 per year, the Toyota Highlander at $1,720, the Subaru Forester at $1,682, the Jeep Wrangler at $2,158, and the Toyota RAV4 at $1,744 per year.
Luxury models like the Audi A6, the BMW X5, and the Volvo XC90 cost an average of $2,452, $2,416, and $2,218 per year, respectively, for full-coverage car insurance.
Other top-selling vehicles in Virginia and their average annual car insurance cost include the Nissan Rogue at $1,700 per year, the Toyota Camry at $2,032, the Toyota Corolla at $1,842, and the Ford Explorer with an average cost of $1,718 per year.
The chart below shows average car insurance cost in Virginia broken out by driver age and policy deductible limits. Rates are averaged for all 2024 vehicle models, including luxury cars and SUVs.
Figure 1: Average full-coverage car insurance premium in Virginia for different ages of drivers. Rates updated on June 27, 2025.
Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Virginia Zip Codes.
Average Car Insurance Cost in Virginia
Driver Age
Deductible
Annual Premium
Cost Per Month
20
$1,000
$3,218
$268
$500
$3,804
$317
$250
$4,424
$369
30
$1,000
$1,690
$141
$500
$2,018
$168
$250
$2,358
$197
40
$1,000
$1,590
$133
$500
$1,890
$158
$250
$2,204
$184
50
$1,000
$1,418
$118
$500
$1,676
$140
$250
$1,946
$162
60
$1,000
$1,328
$111
$500
$1,570
$131
$250
$1,822
$152
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Virginia Zip Codes. Updated June 27, 2025
When annual rates in the chart above are converted to a monthly amount, the average cost of car insurance per month in Virginia ranges from $111 to $369.
Teenage drivers are the most expensive age group to insure, and car insurance quotes for teenagers in Virginia range from an average of $4,504 per year for a 19-year-old female up to $6,733 per year for a 16-year-old male driver.
Some additional factors and situations that can affect car insurance quotes in Virginia include:
Earning multiple discounts could save as much as $586 per year for the average driver. These discounts include things like multi-vehicle, multi-policy, safe driver, claim-free, customer loyalty, and others.
Bundling your car and homeowners insurance with the same company could save $246 or more per year.
Minor traffic violations can have a big impact on car insurance rates. With some companies, even one speeding ticket could increase the annual cost of auto insurance in Virginia by $506 for a 40-year-old driver.
Major violations like reckless driving, leaving the scene of an accident, or DUI could increase the cost of insurance as much as $1,758 or more per year.
The type of vehicle you drive makes a huge impact on car insurance rates. For example, insuring a Subaru Forester instead of a Jeep Wrangler could save as much as $476 per year on car insurance cost.
How does Virginia car insurance cost compare?
When compared to surrounding states, average car insurance cost in Virginia is 19.1% less than West Virginia, 21.8% less than Maryland, 31.6% less than Kentucky, 23.4% less than Tennessee, and 3.7% more than North Carolina.
The chart below shows how auto insurance cost in Virginia compares to the other 11 states in the Southeast region of the United States. Virginia ranks second in the Southeast region for cheapest car insurance rates, and ranks third out of all 50 U.S. states.
Figure 2: Average cost of car insurance in Virginia compared to other Southeast region states. Rates updated on June 27, 2025.
Average Car Insurance Cost in Virginia Compared to Southeast Region
Southeast Region States
Average Annual Premium
Cost Difference
North Carolina
$1,822
-$68
Virginia
$1,890
--
South Carolina
$2,192
$302
West Virginia
$2,288
$398
Alabama
$2,300
$410
Tennessee
$2,392
$502
Mississippi
$2,432
$542
Georgia
$2,514
$624
Arkansas
$2,556
$666
Kentucky
$2,600
$710
Louisiana
$2,660
$770
Florida
$2,754
$864
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Virginia Zip Codes. Updated June 27, 2025
Car insurance in Virginia looks even better when compared to some of the most expensive states in the U.S. Average rates in Virginia are 37.1% cheaper than New York, 40.8% cheaper than Michigan, 37.2% cheaper than Florida, 33.8% cheaper than Louisiana, and 39.5% cheaper than Nevada.
Which vehicles have the cheapest car insurance in Virginia?
When comparing car insurance rates for all vehicle segments, compact SUVs like the Subaru Crosstrek, Nissan Kicks, and Buick Envision tend to have the cheapest car insurance in Virginia. The Subaru Crosstrek ranks cheapest to insure overall, costing an average of $1,398 per year in Virginia.
The list below shows the cheapest vehicle to insure in each individual automotive segment.
Audi A5 insurance – Cheapest full-size luxury car at $2,246 per year or $187 per month
Infiniti QX80 insurance – Cheapest full-size luxury SUV at $2,122 per year or $177 per month
The table below ranks the top 75 vehicles with the cheapest car insurance quotes in Virginia. Vehicles are ranked by annual and monthly cost and chosen from all segments for the 2024 model year.
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Virginia Zip Codes. Updated June 26, 2025
Top 75 cheapest vehicles to insure in Virginia with the Subaru Crosstrek ranking first at $1,398 per year
Virginia car insurance rates for popular vehicles
The charts below show a more detailed insurance rate breakdown for five of the more popular vehicles in Virginia. Vehicles included are the Chevrolet Silverado, Toyota Tacoma, Honda Civic, Honda Accord, and Ford Mustang.
Chevrolet Silverado insurance rates
Chevrolet Silverado insurance in Virginia costs an average of $2,092 per year and ranges from $1,734 to $4,854 per year for the sample driver risk profiles shown in the chart below. The average cost per month to insure a Chevy Silverado in Virginia is $174.
Figure 3: Average 2024 Chevrolet Silverado insurance premiums in Virginia for different driver ages and risk scenarios. Rates updated on June 26, 2025.
Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Virginia includes all Zip Codes and vehicle trim levels.
2024 Chevrolet Silverado Insurance Cost in Virginia
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,854
$405
Safe Driver Age 20
$4,246
$354
At-fault Accidents Age 40
$2,988
$249
Low Deductibles Age 40
$2,700
$225
Safe Driver Age 30
$2,226
$186
Safe Driver Age 40
$2,092
$174
Safe Driver Age 50
$1,856
$155
High Deductibles Age 40
$1,782
$149
Safe Driver Age 60
$1,742
$145
Discount Rate Age 40
$1,734
$145
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025
Toyota Tacoma insurance rates
Toyota Tacoma car insurance rates in Virginia range from $1,590 to $4,432 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $1,916 per year or $160 per month in Virginia.
Data Methodology: Average rates are for a 2024 model year Toyota Tacoma with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Tacoma car insurance cost in Virginia includes all Zip Codes and vehicle trim levels.
2024 Toyota Tacoma Insurance Cost in Virginia
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,432
$369
Safe Driver Age 20
$3,872
$323
At-fault Accidents Age 40
$2,732
$228
Low Deductibles Age 40
$2,464
$205
Safe Driver Age 30
$2,036
$170
Safe Driver Age 40
$1,916
$160
Safe Driver Age 50
$1,704
$142
High Deductibles Age 40
$1,634
$136
Safe Driver Age 60
$1,596
$133
Discount Rate Age 40
$1,590
$133
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Tacoma trim levels. Updated June 26, 2025
Honda Civic insurance rates
The chart below shows average Honda Civic insurance rates in Virginia for different driver ages and risk profiles. Annual cost ranges from $1,392 to $3,800 per year for the example driver risk profiles, with average cost being $1,674 per year.
Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Virginia includes all Zip Codes and vehicle trim levels.
2024 Honda Civic Insurance Cost in Virginia
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$3,800
$317
Safe Driver Age 20
$3,322
$277
At-fault Accidents Age 40
$2,346
$196
Low Deductibles Age 40
$2,196
$183
Safe Driver Age 30
$1,788
$149
Safe Driver Age 40
$1,674
$140
Safe Driver Age 50
$1,484
$124
High Deductibles Age 40
$1,402
$117
Discount Rate Age 40
$1,392
$116
Safe Driver Age 60
$1,388
$116
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 27, 2025
Honda Accord insurance rates
Average Honda Accord insurance rates in Virginia as shown in the chart below range from $1,518 to $4,198 per year, with the average cost being $1,828.
Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Virginia includes all Zip Codes and vehicle trim levels.
2024 Honda Accord Insurance Cost in Virginia
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,198
$350
Safe Driver Age 20
$3,676
$306
At-fault Accidents Age 40
$2,580
$215
Low Deductibles Age 40
$2,406
$201
Safe Driver Age 30
$1,952
$163
Safe Driver Age 40
$1,828
$152
Safe Driver Age 50
$1,616
$135
High Deductibles Age 40
$1,530
$128
Discount Rate Age 40
$1,518
$127
Safe Driver Age 60
$1,514
$126
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 27, 2025
Ford Mustang insurance rates
The average cost for Ford Mustang insurance in Virginia is $2,078 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,722 to $4,756 per year.
Data Methodology: Average rates are for a 2024 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in Virginia includes all Zip Codes and vehicle trim levels.
2024 Ford Mustang Insurance Cost in Virginia
Driver Risk Profile
Annual Premium
Cost Per Month
High Risk Driver Age 30
$4,756
$396
Safe Driver Age 20
$4,154
$346
At-fault Accidents Age 40
$2,936
$245
Low Deductibles Age 40
$2,702
$225
Safe Driver Age 30
$2,214
$185
Safe Driver Age 40
$2,078
$173
Safe Driver Age 50
$1,844
$154
High Deductibles Age 40
$1,754
$146
Safe Driver Age 60
$1,724
$144
Discount Rate Age 40
$1,722
$144
Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Mustang trim levels. Updated June 27, 2025
Average rates by city in Virginia
Average annual and monthly car insurance rates are listed below for some of the larger cities in the state of Virginia. Click any city to view rate information including overall averages, comparisons, and cheapest vehicles to insure.
