Virginia Car Insurance Cost for 2021

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 $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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Virginia car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Virginia zip codes.
Average Car Insurance Cost in Virginia
Average Car Insurance Cost in Virginia
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,646$137
$500$1,940$162
$250$2,250$188
30$1,000$864$72
$500$1,028$86
$250$1,200$100
40$1,000$824$69
$500$974$81
$250$1,132$94
50$1,000$752$63
$500$886$74
$250$1,030$86
60$1,000$740$62
$500$872$73
$250$1,012$84

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.

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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
Virginia$974--
North Carolina$1,032$58
Tennessee$1,254$280
Alabama$1,272$298
West Virginia$1,346$372
Mississippi$1,352$378
South Carolina$1,406$432
Arkansas$1,454$480
Georgia$1,566$592
Kentucky$1,716$742
Florida$2,046$1,072
Louisiana$2,244$1,270

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.

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.

Top 75 Cheapest Car Insurance Rates in Virginia
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$726$61
2Honda CR-V$736$61
3Ram Promaster City$764$64
4Mazda CX-3$768$64
5Toyota C-HR$772$64
6Ford Edge$774$65
7Kia Sportage$774$65
8Volkswagen Golf$778$65
9Mazda CX-5$788$66
10Subaru Crosstrek$796$66
11Chevrolet Spark$804$67
12Volvo XC40$806$67
13Hyundai Venue$812$68
14Subaru Impreza$818$68
15Volkswagen Atlas$818$68
16Kia Soul$820$68
17Hyundai Kona$822$69
18Toyota Tacoma$822$69
19Kia Telluride$824$69
20Chevrolet Blazer$828$69
21Jeep Compass$828$69
22Kia Rio5$828$69
23Kia Sedona$828$69
24Subaru Outback$828$69
25Chevrolet Colorado$830$69
26Honda Passport$830$69
27Mazda CX-30$830$69
28Nissan Kicks$830$69
29Ford Escape$834$70
30Hyundai Tucson$834$70
31Mitsubishi Eclipse Cross$834$70
32Subaru Ascent$834$70
33Nissan Frontier$840$70
34Acura RDX$842$70
35Volkswagen Tiguan$842$70
36Honda Pilot$844$70
37Toyota Corolla$846$71
38Ford Ecosport$848$71
39Buick Envision$854$71
40Kia Seltos$856$71
41Nissan Rogue Sport$862$72
42Chevrolet Trax$864$72
43Chevrolet Trailblazer$868$72
44Cadillac XT4$870$73
45Buick Encore$874$73
46Chevrolet Express$874$73
47Jeep Renegade$878$73
48Nissan Rogue$878$73
49Chevrolet Equinox$882$74
50Nissan Murano$882$74
51Nissan NV$882$74
52Ford Transit Connect$890$74
53Chrysler Pacifica$892$74
54Fiat 500X$892$74
55Mazda MX-5 Miata$894$75
56GMC Savana$898$75
57Hyundai Palisade$902$75
58Ford Ranger$904$75
59Mazda 6$906$76
60GMC Terrain$908$76
61Honda Insight$910$76
62Jeep Gladiator$910$76
63Acura ILX$912$76
64Honda Civic$914$76
65Subaru Legacy$916$76
66Honda HR-V$920$77
67Acura MDX$922$77
68Cadillac XT5$922$77
69Volvo V60$922$77
70Kia Rio$928$77
71Ford F150$930$78
72Toyota 4Runner$930$78
73Mazda 3$932$78
74Ram Promaster$932$78
75Lexus NX 300$934$78

    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.
    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 $1,018 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Chevrolet Silverado Insurance Cost in Virginia
    Chevrolet Silverado Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,308$192
    Safe Driver Age 20$2,022$169
    At-fault Accidents Age 40$1,440$120
    Low Deductibles Age 40$1,306$109
    Safe Driver Age 30$1,066$89
    Safe Driver Age 40$1,018$85
    Safe Driver Age 50$928$77
    Safe Driver Age 60$912$76
    High Deductibles Age 40$870$73
    Discount Rate Age 40$842$70

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Toyota Tacoma Insurance Cost in Virginia
    Toyota Tacoma Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$1,856$155
    Safe Driver Age 20$1,626$136
    At-fault Accidents Age 40$1,152$96
    Low Deductibles Age 40$1,078$90
    Safe Driver Age 30$868$72
    Safe Driver Age 40$822$69
    Safe Driver Age 50$748$62
    Safe Driver Age 60$734$61
    High Deductibles Age 40$692$58
    Discount Rate Age 40$686$57

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Honda Civic Insurance Cost in Virginia
    Honda Civic Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,072$173
    Safe Driver Age 20$1,816$151
    At-fault Accidents Age 40$1,290$108
    Low Deductibles Age 40$1,186$99
    Safe Driver Age 30$964$80
    Safe Driver Age 40$914$76
    Safe Driver Age 50$834$70
    Safe Driver Age 60$818$68
    High Deductibles Age 40$774$65
    Discount Rate Age 40$760$63

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Honda Accord Insurance Cost in Virginia
    Honda Accord Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,136$178
    Safe Driver Age 20$1,870$156
    At-fault Accidents Age 40$1,326$111
    Low Deductibles Age 40$1,230$103
    Safe Driver Age 30$994$83
    Safe Driver Age 40$944$79
    Safe Driver Age 50$860$72
    Safe Driver Age 60$842$70
    High Deductibles Age 40$796$66
    Discount Rate Age 40$784$65

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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.
    Ford Mustang Insurance Cost in Virginia
    Ford Mustang Insurance Cost in Virginia
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,478$207
    Safe Driver Age 20$2,172$181
    At-fault Accidents Age 40$1,534$128
    Low Deductibles Age 40$1,442$120
    Safe Driver Age 30$1,156$96
    Safe Driver Age 40$1,090$91
    Safe Driver Age 50$992$83
    Safe Driver Age 60$974$81
    High Deductibles Age 40$910$76
    Discount Rate Age 40$908$76

    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.