Virginia Car Insurance Cost for 2022

How much does car insurance cost in Virginia? We break down average insurance rates and reveal the vehicles with the cheapest car insurance quotes.

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What is average car insurance cost in Virginia?

In Virginia, the average annual cost of car insurance is $982, which is 37.3% less than the overall national average rate of $1,567. Car insurance in Virginia per month costs an average of $82 for full coverage.

Average Virginia car insurance rates for some of the most popular vehicles include the Toyota Camry at an average of $966 per year, the Toyota Highlander at $990, the Subaru Forester at $850, the Jeep Wrangler at $1,126, and the Toyota RAV4 at $928 per year.

Luxury models like the Audi A6, the BMW X5, and the Volvo XC90 cost an average of $1,288, $1,248, and $1,064 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 $964 per year, the Toyota Camry at $966, the Toyota Corolla at $966, and the Ford Explorer with an average cost of $924 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 2022 vehicle models, including luxury cars and SUVs.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Virginia car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Virginia zip codes.Data last updated on August 11, 2022
Average Car Insurance Cost in Virginia
Average Car Insurance Cost in Virginia
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,654$138
$500$1,950$163
$250$2,258$188
30$1,000$868$72
$500$1,034$86
$250$1,206$101
40$1,000$830$69
$500$982$82
$250$1,140$95
50$1,000$758$63
$500$894$75
$250$1,036$86
60$1,000$744$62
$500$878$73
$250$1,016$85

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 $62 to $188.

Teenage drivers are the most expensive age group to insure, and car insurance quotes for teenagers in Virginia range from an average of $2,468 per year for a 19-year-old female up to $3,518 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 $306 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 $128 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 $258 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 $900 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 $276 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 28.2% less than West Virginia, 28.5% less than Maryland, 44.6% less than Kentucky, 18.6% less than Tennessee, and 1.7% less 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 #2 in the Southeast region for cheapest car insurance rates, and ranks #4 out of all 50 U.S. states.

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Virginia Car Insurance Cost Compared to Southeast Region
Average Car Insurance Cost in Virginia Compared to Southeast Region
Southeast Region States Average Insurance Cost Annual Difference
North Carolina$966-$16
Virginia$982--
Tennessee$1,206$224
Alabama$1,240$258
West Virginia$1,368$386
South Carolina$1,404$422
Mississippi$1,438$456
Georgia$1,472$490
Arkansas$1,630$648
Kentucky$1,772$790
Louisiana$2,206$1,224
Florida$2,228$1,246

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 39.4% cheaper than New York, 59.5% cheaper than Michigan, 55.9% cheaper than Florida, 55.5% cheaper than Louisiana, and 41.3% 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 Mazda CX-5, Subaru Crosstrek, and Toyota C-HR tend to have the cheapest car insurance in Virginia. The Mazda CX-5 ranks cheapest to insure overall, costing an average of $748 per year in Virginia.

The list below shows the cheapest vehicle to insure in each individual automotive segment.

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 2022 model year.

Top 75 Cheapest Car Insurance Rates in Virginia
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$748$62
2Nissan Kicks$766$64
3Chevrolet Trailblazer$770$64
4Honda Passport$788$66
5Subaru Crosstrek$790$66
6Chevrolet Colorado$808$67
7Toyota C-HR$808$67
8Buick Encore$812$68
9Nissan Rogue Sport$818$68
10Hyundai Venue$834$70
11Buick Envision$836$70
12Kia Seltos$836$70
13Ford Maverick$840$70
14Acura RDX$842$70
15Subaru Ascent$844$70
16Toyota Corolla Cross$844$70
17Hyundai Kona$848$71
18Subaru Forester$850$71
19Mazda MX-5 Miata$852$71
20Subaru Impreza$852$71
21Volkswagen Tiguan$852$71
22Chevrolet Spark$858$72
23Honda CR-V$860$72
24Cadillac XT4$862$72
25Mazda CX-30$868$72
26Ford Ranger$874$73
27Honda HR-V$884$74
28Ford Edge$886$74
29Ford Ecosport$890$74
30Acura ILX$902$75
31Chevrolet Trax$902$75
32Subaru Outback$902$75
33GMC Terrain$904$75
34Mitsubishi Eclipse Cross$906$76
35Nissan Murano$912$76
36Toyota Tacoma$912$76
37Hyundai Tucson$914$76
38Chevrolet Bolt$916$76
39Honda Odyssey$916$76
40Chevrolet Equinox$918$77
41Toyota Venza$918$77
42Volkswagen Taos$922$77
43Ford Explorer$924$77
44Fiat 500X$926$77
45Toyota RAV4$928$77
46Kia Sorento$930$78
47Kia Soul$932$78
48Nissan Frontier$936$78
49GMC Canyon$944$79
50Hyundai Palisade$944$79
51Volkswagen Golf$944$79
52Hyundai Santa Cruz$946$79
53Mazda MX-30$946$79
54Volvo XC40$946$79
55Volkswagen Atlas$950$79
56Subaru Legacy$952$79
57Ford F150$954$80
58Jeep Compass$954$80
59Honda Insight$956$80
60Honda Ridgeline$956$80
61Kia Niro$956$80
62Toyota 4Runner$956$80
63Volkswagen Jetta$956$80
64Nissan Sentra$960$80
65Nissan Rogue$964$80
66Cadillac XT5$966$81
67Kia K5$966$81
68Mercedes-Benz A220$966$81
69Toyota Camry$966$81
70Toyota Corolla$966$81
71Ford Escape$968$81
72Jeep Gladiator$968$81
73Kia Rio$968$81
74Volkswagen Passat$970$81
75Honda Civic$974$81

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Virginia.Data last updated on August 11, 2022
    Top 75 Cheapest Car Insurance Rates in Virginia

    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 $1,054 per year and ranges from $876 to $2,418 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 $88.

    The Chevrolet Silverado is considered a full-size truck, and other popular models include the Ford F150, Toyota Tundra, Nissan Titan, GMC Sierra, and Ram Truck.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on August 11, 2022
    Chevrolet Silverado Insurance Cost in Virginia
    Chevrolet Silverado Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,418$202
    Safe Driver Age 20$2,116$176
    At-fault Accidents Age 40$1,500$125
    Low Deductibles Age 40$1,362$114
    Safe Driver Age 30$1,108$92
    Safe Driver Age 40$1,054$88
    Safe Driver Age 50$962$80
    Safe Driver Age 60$946$79
    High Deductibles Age 40$894$75
    Discount Rate Age 40$876$73

    Toyota Tacoma insurance rates

    Toyota Tacoma car insurance rates in Virginia range from $758 to $2,076 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $912 per year or $76 per month in Virginia.

    The Toyota Tacoma belongs to the midsize truck segment, and other popular models include the GMC Canyon, Honda Ridgeline, Ford Ranger, Chevrolet Colorado, and Nissan Frontier.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on August 11, 2022
    Toyota Tacoma Insurance Cost in Virginia
    Toyota Tacoma Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,076$173
    Safe Driver Age 20$1,818$152
    At-fault Accidents Age 40$1,284$107
    Low Deductibles Age 40$1,200$100
    Safe Driver Age 30$964$80
    Safe Driver Age 40$912$76
    Safe Driver Age 50$832$69
    Safe Driver Age 60$818$68
    High Deductibles Age 40$766$64
    Discount Rate Age 40$758$63

    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 $808 to $2,194 per year for the example driver risk profiles, with average cost being $974 per year.

    The Honda Civic is a compact car and other similar models include the Toyota Corolla, Volkswagen Jetta, Hyundai Elantra, Chevrolet Cruze, and Nissan Sentra.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on July 25, 2022
    Honda Civic Insurance Cost in Virginia
    Honda Civic Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,194$183
    Safe Driver Age 20$1,920$160
    At-fault Accidents Age 40$1,370$114
    Low Deductibles Age 40$1,254$105
    Safe Driver Age 30$1,020$85
    Safe Driver Age 40$974$81
    Safe Driver Age 50$886$74
    Safe Driver Age 60$866$72
    High Deductibles Age 40$830$69
    Discount Rate Age 40$808$67

    Honda Accord insurance rates

    Average Honda Accord insurance rates in Virginia as shown in the chart below range from $852 to $2,344 per year, with the average cost being $1,024.

    The Honda Accord is considered a midsize car, and other models in this segment include the Chevrolet Malibu, Kia K5, Hyundai Sonata, Toyota Camry, and Nissan Altima.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on August 11, 2022
    Honda Accord Insurance Cost in Virginia
    Honda Accord Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,344$195
    Safe Driver Age 20$2,052$171
    At-fault Accidents Age 40$1,450$121
    Low Deductibles Age 40$1,340$112
    Safe Driver Age 30$1,080$90
    Safe Driver Age 40$1,024$85
    Safe Driver Age 50$934$78
    Safe Driver Age 60$918$77
    High Deductibles Age 40$864$72
    Discount Rate Age 40$852$71

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Virginia is $1,038 per year. The chart below shows rates for additional driver profiles with prices ranging from $862 to $2,330 per year.

    The Ford Mustang is a sports car and other vehicles in this segment include the Chevrolet Corvette, Subaru BRZ, Chevrolet Camaro, Toyota Supra, and Nissan 370Z.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on August 11, 2022
    Ford Mustang Insurance Cost in Virginia
    Ford Mustang Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,330$194
    Safe Driver Age 20$2,042$170
    At-fault Accidents Age 40$1,448$121
    Low Deductibles Age 40$1,360$113
    Safe Driver Age 30$1,098$92
    Safe Driver Age 40$1,038$87
    Safe Driver Age 50$942$79
    Safe Driver Age 60$922$77
    High Deductibles Age 40$870$73
    Discount Rate Age 40$862$72

    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.