Virginia Car Insurance Cost for 2023

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

Start QuoteCompare Virginia car insurance rates and save on your next policy.

What is average car insurance cost in Virginia?

In Virginia, the average annual cost of car insurance is $1,174, which is 30.3% less than the overall national average rate of $1,685. Car insurance in Virginia per month costs an average of $98 for full coverage.

Average Virginia car insurance rates for some of the most popular vehicles include the Toyota Camry at an average of $1,114 per year, the Toyota Highlander at $1,170, the Subaru Forester at $988, the Jeep Wrangler at $1,298, and the Toyota RAV4 at $1,084 per year.

Luxury models like the Audi A6, the BMW X5, and the Volvo XC90 cost an average of $1,438, $1,480, and $1,210 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 $1,078 per year, the Toyota Camry at $1,114, the Toyota Corolla at $1,100, and the Ford Explorer with an average cost of $998 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 2023 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 2023 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 December 30, 2022
Average Car Insurance Cost in Virginia
Average Car Insurance Cost in Virginia
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,976$165
$500$2,332$194
$250$2,710$226
30$1,000$1,034$86
$500$1,236$103
$250$1,444$120
40$1,000$990$83
$500$1,174$98
$250$1,364$114
50$1,000$902$75
$500$1,066$89
$250$1,238$103
60$1,000$888$74
$500$1,048$87
$250$1,218$102

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 $74 to $226.

Teenage drivers are the most expensive age group to insure, and car insurance quotes for teenagers in Virginia range from an average of $2,952 per year for a 19-year-old female up to $4,198 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 $368 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 $152 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 $304 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 $1,078 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 $310 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 25.3% less than West Virginia, 28.3% less than Maryland, 37.8% less than Kentucky, 30% less than Tennessee, and 6.7% 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.

Get Rates in Your AreaWhy is this important?

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$1,100-$74
Virginia$1,174--
South Carolina$1,480$306
West Virginia$1,572$398
Alabama$1,586$412
Tennessee$1,678$504
Mississippi$1,722$548
Georgia$1,802$628
Arkansas$1,846$672
Kentucky$1,888$714
Louisiana$2,100$926
Florida$2,196$1,022

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 42.5% cheaper than New York, 51.4% cheaper than Michigan, 46.5% cheaper than Florida, 44.1% cheaper than Louisiana, and 44.4% 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 Chevrolet Trailblazer, Nissan Rogue Sport, and Mazda CX-5 tend to have the cheapest car insurance in Virginia. The Chevrolet Trailblazer ranks cheapest to insure overall, costing an average of $886 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 2023 model year.

Top 75 Cheapest Car Insurance Rates in Virginia
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$886$74
2Nissan Kicks$896$75
3Subaru Crosstrek$896$75
4Honda Passport$912$76
5Nissan Rogue Sport$912$76
6Mazda CX-5$920$77
7Buick Encore$932$78
8Buick Envision$938$78
9Kia Seltos$948$79
10Subaru Ascent$954$80
11Hyundai Venue$956$80
12Subaru Impreza$970$81
13Chevrolet Colorado$974$81
14Ford Maverick$974$81
15Honda HR-V$974$81
16Acura RDX$978$82
17Hyundai Kona$982$82
18Subaru Forester$988$82
19Honda CR-V$992$83
20Ford Edge$994$83
21Mazda CX-30$996$83
22Ford Explorer$998$83
23Volkswagen Atlas$1,000$83
24Chevrolet Trax$1,006$84
25Nissan Murano$1,006$84
26Subaru Outback$1,010$84
27Nissan Frontier$1,012$84
28Volkswagen Tiguan$1,016$85
29Ford Bronco Sport$1,018$85
30Fiat 500X$1,038$87
31GMC Terrain$1,040$87
32Ford Ranger$1,042$87
33Kia Soul$1,042$87
34Mitsubishi Eclipse Cross$1,044$87
35Volkswagen Atlas Cross Sport$1,046$87
36Lexus RX 350$1,050$88
37Acura Integra$1,052$88
38Cadillac XT4$1,056$88
39Chevrolet Equinox$1,056$88
40Toyota Corolla Cross$1,056$88
41Volkswagen Taos$1,062$89
42GMC Canyon$1,066$89
43Toyota Venza$1,066$89
44Mazda CX-50$1,068$89
45Honda Odyssey$1,070$89
46Volkswagen Jetta$1,070$89
47Toyota Tacoma$1,072$89
48Hyundai Tucson$1,074$90
49Kia Sorento$1,074$90
50Ford Escape$1,076$90
51Nissan Rogue$1,078$90
52Subaru Legacy$1,078$90
53Volvo XC40$1,080$90
54Mazda MX-5 Miata$1,082$90
55Mazda MX-30$1,084$90
56Toyota RAV4$1,084$90
57Infiniti QX50$1,086$91
58Nissan Sentra$1,088$91
59Hyundai Palisade$1,090$91
60Hyundai Santa Cruz$1,090$91
61Kia Niro$1,090$91
62Chevrolet Tahoe$1,096$91
63Lexus UX 250h$1,096$91
64Mini Cooper$1,096$91
65Toyota 4Runner$1,096$91
66Jeep Compass$1,100$92
67Toyota Corolla$1,100$92
68Volkswagen Golf$1,100$92
69Toyota Prius$1,104$92
70Cadillac XT5$1,112$93
71Mini Cooper Clubman$1,114$93
72Toyota Camry$1,114$93
73GMC Acadia$1,118$93
74Chevrolet Traverse$1,120$93
75Honda Pilot$1,124$94

    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 December 30, 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 $1,280 per year and ranges from $1,062 to $2,930 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 $107.

    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 2023 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 December 30, 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$2,930$244
    Safe Driver Age 20$2,566$214
    At-fault Accidents Age 40$1,826$152
    Low Deductibles Age 40$1,642$137
    Safe Driver Age 30$1,342$112
    Safe Driver Age 40$1,280$107
    Safe Driver Age 50$1,170$98
    Safe Driver Age 60$1,150$96
    High Deductibles Age 40$1,098$92
    Discount Rate Age 40$1,062$89

    Toyota Tacoma insurance rates

    Toyota Tacoma car insurance rates in Virginia range from $890 to $2,426 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $1,072 per year or $89 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 2023 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 December 30, 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$2,426$202
    Safe Driver Age 20$2,126$177
    At-fault Accidents Age 40$1,510$126
    Low Deductibles Age 40$1,392$116
    Safe Driver Age 30$1,126$94
    Safe Driver Age 40$1,072$89
    Safe Driver Age 50$976$81
    Safe Driver Age 60$960$80
    High Deductibles Age 40$908$76
    Discount Rate Age 40$890$74

    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 $954 to $2,588 per year for the example driver risk profiles, with average cost being $1,146 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 2023 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 December 30, 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$2,588$216
    Safe Driver Age 20$2,270$189
    At-fault Accidents Age 40$1,616$135
    Low Deductibles Age 40$1,478$123
    Safe Driver Age 30$1,206$101
    Safe Driver Age 40$1,146$96
    Safe Driver Age 50$1,044$87
    Safe Driver Age 60$1,022$85
    High Deductibles Age 40$974$81
    Discount Rate Age 40$954$80

    Honda Accord insurance rates

    Average Honda Accord insurance rates in Virginia as shown in the chart below range from $984 to $2,706 per year, with the average cost being $1,182.

    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 2023 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 December 29, 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$2,706$226
    Safe Driver Age 20$2,368$197
    At-fault Accidents Age 40$1,676$140
    Low Deductibles Age 40$1,552$129
    Safe Driver Age 30$1,250$104
    Safe Driver Age 40$1,182$99
    Safe Driver Age 50$1,080$90
    Safe Driver Age 60$1,064$89
    High Deductibles Age 40$994$83
    Discount Rate Age 40$984$82

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Virginia is $1,272 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,056 to $2,868 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 2023 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 December 30, 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$2,868$239
    Safe Driver Age 20$2,512$209
    At-fault Accidents Age 40$1,788$149
    Low Deductibles Age 40$1,646$137
    Safe Driver Age 30$1,336$111
    Safe Driver Age 40$1,272$106
    Safe Driver Age 50$1,156$96
    Safe Driver Age 60$1,134$95
    High Deductibles Age 40$1,076$90
    Discount Rate Age 40$1,056$88

    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.