- The average cost of car insurance in Virginia is $974 per year, or around $81 per month.
- When compared to other Southeast states, Virginia ranks #1 for most affordable car insurance and ranks second out of all 50 states. Only Maine has cheaper average car insurance rates than Virginia.
- Cheap Virginia car insurance can be found on compact SUVs like the Subaru Forester, midsize pickups like the Toyota Tacoma, and compact cars like the Volkswagen Golf.
- Average rates for popular vehicles in Virginia include the Chevy Silverado at $1,018 per year, the Honda Accord at $944, and the Ford Mustang at $1,090.
What is average car insurance cost in Virginia?
In Virginia, the average annual cost of car insurance is $974, which is 36% less than the overall national average rate of $1,523. Car insurance in Virginia per month costs an average of $81 for full coverage.
Average Virginia car insurance rates for some of the most popular vehicles include the Toyota Camry at an average of $976 per year, the Toyota Highlander at $972, the Subaru Forester at $726, the Jeep Wrangler at $1,010, and the Toyota RAV4 at $940 per year.
Luxury models like the Audi A6, the BMW X5, and the Volvo XC90 cost an average of $1,242, $1,076, and $936 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 $878 per year, the Toyota Camry at $976, the Toyota Corolla at $846, and the Ford Explorer with an average cost of $966 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 2021 vehicle models, including luxury cars and SUVs.
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 $2,456 per year for a 19-year-old female up to $3,498 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 $302 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 $126 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 $256 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 $896 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 $284 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 27.6% less than West Virginia, 30.4% less than Maryland, 43.2% less than Kentucky, 22.3% less than Tennessee, and 5.6% 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 U.S. Virginia takes the top spot in the Southeast region for cheapest car insurance rates, and ranks #2 out of all 50 U.S. states.
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 42.1% cheaper than New York, 64.2% cheaper than Michigan, 52.4% cheaper than Florida, 56.6% cheaper than Louisiana, and 42.6% cheaper than Nevada.
Only the state of Maine edges out Virginia for the top spot in our average car insurance cost rankings. Average rates in Virginia are 1.5% more expensive than Maine.
Which vehicles have the cheapest car insurance in Virginia?
When comparing car insurance rates for all vehicle segments, compact SUVs like the Subaru Forester and Honda CR-V tend to have the cheapest car insurance in Virginia. The Subaru Forester ranks cheapest overall, costing an average of $726 per year.
The list below shows the cheapest vehicle to insure in each individual automotive segment.
- Volkswagen Golf insurance – Cheapest compact car at $778 per year or $65 per month
- Subaru Forester insurance – Cheapest compact SUV at $726 per year or $61 per month
- Mazda 6 insurance – Cheapest midsize car at $906 per year or $76 per month
- Ford Edge insurance – Cheapest midsize SUV at $774 per year or $65 per month
- Kia Cadenza insurance – Cheapest full-size car at $992 per year or $83 per month
- Toyota Sequoia insurance – Cheapest full-size SUV at $964 per year or $80 per month
- Toyota Tacoma insurance – Cheapest midsize pickup at $822 per year or $69 per month
- Ford F150 insurance – Cheapest full-size pickup at $930 per year or $78 per month
- Ford F350 Super Duty insurance – Cheapest heavy-duty truck at $1,052 per year or $88 per month
- Kia Sedona insurance – Cheapest minivan at $828 per year or $69 per month
- Mazda Miata insurance – Cheapest sports car at $894 per year or $75 per month
- Mercedes-Benz A220 insurance – Cheapest compact luxury car at $956 per year or $80 per month
- Volvo XC40 insurance – Cheapest compact luxury SUV at $806 per year or $67 per month
- Acura ILX insurance – Cheapest midsize luxury car at $912 per year or $76 per month
- Volvo V60 insurance – Cheapest midsize luxury SUV at $922 per year or $77 per month
- Volvo S90 insurance – Cheapest full-size luxury car at $1,064 per year or $89 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $936 per year or $78 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 2021 model 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 $1,018 per year and ranges from $842 to $2,308 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 $85.
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.
Toyota Tacoma insurance rates
Toyota Tacoma car insurance rates in Virginia range from $686 to $1,856 per year for the driver profiles in the chart below. Toyota Tacoma insurance costs an average of $822 per year or $69 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.
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 $760 to $2,072 per year for the example driver risk profiles, with average cost being $914 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.
Honda Accord insurance rates
Average Honda Accord insurance rates in Virginia as shown in the chart below range from $784 to $2,136 per year, with the average cost being $944.
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.
Ford Mustang insurance rates
The average cost for Ford Mustang insurance in Virginia is $1,090 per year. The chart below shows rates for additional driver profiles with prices ranging from $908 to $2,478 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.
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.
- Virginia Beach Car Insurance - $980 per year or $82 per month
- Norfolk Car Insurance - $1,050 per year or $88 per month
- Chesapeake Car Insurance - $980 per year or $82 per month
- Richmond Car Insurance - $1,016 per year or $85 per month
- Newport News Car Insurance - $966 per year or $81 per month
