How much does car insurance cost in Virginia?
Car indemnity in Virginia costs, on average, $ 1,304 per class for broad coverage and $ 441 per year for minimum coverage. Drivers in Virginia yield less for cable car insurance than the national annual average of $ 1,674 for fully coverage and $ 565 for minimal coverage.
However, there are several factors that affect your car policy rates. The area you live in, your age, driving history and the cable car insurance ship’s company you choose all play an important part in car policy rates in Virginia .
Virginia car insurance rates by company
Bankrate collected premium data from Quadrant Information Services for indemnity companies in Virginia. Because each company has its own rat algorithm, prices vary for the like coverage :
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Alfa | $331 | $1,043 |
| Allstate | $466 | $1,421 |
| Cincinnati Insurance | $475 | $1,584 |
| Donegal | $379 | $1,203 |
| Electric Insurance Company | $918 | $3,308 |
| Erie | $350 | $1,025 |
| Geico | $309 | $1,227 |
| Kemper | $946 | $2,386 |
| Mercury | $353 | $1,239 |
| MetLife | $754 | $1,885 |
| Nationwide | $357 | $770 |
| Progressive | $364 | $945 |
| State Farm | $331 | $993 |
| Travelers | $361 | $910 |
| USAA | $294 | $890 |
| Virginia Farm Bureau | $366 | $984 |
Virginia car insurance rates by city
Even within a state, car policy premiums can vary greatly. The board below shows the 20 largest cities in Virginia by population and how their average premiums stack up against the state average. Every city and evening every slide fastener code has its own unique fructify of denounce factors, like the likelihood of accidents, that affects its premiums .
| City | Average annual premium for full coverage | % difference from state average annual premium |
|---|---|---|
| Virginia Beach | $1,378 | 6% |
| Richmond | $1,384 | 6% |
| Norfolk | $1,499 | 15% |
| Chesapeake | $1,357 | 4% |
| Arlington | $1,314 | 1% |
| Newport News | $1,366 | 5% |
| Fredericksburg | $1,286 | -1% |
| Alexandria | $1,398 | 7% |
| Hampton | $1,377 | 6% |
| Roanoke | $1,185 | -9% |
| Portsmouth | $1,446 | 11% |
| Charlottesville | $1,265 | -3% |
| Lynchburg | $1,224 | -6% |
| Suffolk | $1,339 | 3% |
| Williamsburg | $1,196 | -8% |
| Centreville | $1,359 | 4% |
| Stafford | $1,296 | -1% |
| Winchester | $1,162 | -11% |
| Harrisonburg | $1,097 | -16% |
| Dale City | $1,377 | 6% |
Virginia car insurance rates by age
As is the casing in most states, younger drivers tend to pay more for car insurance in Virginia than older drivers. This is probable due to the inexperience of young drivers. Teen drivers face the most expensive premiums in part ascribable to the number of accidents and traffic-related fatalities for their senesce range. *16-year-old added to their parents ’ policy
Virginia car insurance rates by driving record
dependable drivers typically get the brassy car indemnity rates. This is because, if you have accidents and tickets on your force record, indemnity companies normally view you as more likely to cause an accident in the future. If you have a DUI on your record, you could be facing car indemnity premiums that are over doubly angstrom high as the express average .
| Driving incident | Average annual full coverage premium in Virginia | % increase in average annual premium |
|---|---|---|
| Speeding ticket | $1,634 | 25% |
| Accident | $1,891 | 45% |
| DUI | $2,705 | 107% |
How to save on car insurance in Virginia
Although car indemnity premiums in Virginia are lower the national average, you might be able to save by :
- Periodically comparing your current rate: Getting quotes from several car insurance companies could help you to find a lower premium for the same coverage. If you find a new company, you could switch your insurance to the cheaper provider.
- Signing up for telematics: Some insurance companies have programs that track your driving habits and discount your premium based on the data received. If you are a safe driver, you could earn a discount.
- Bundling coverage: If you buy home or renters insurance with your auto policy, you could get a discount on both.
- Checking with your employer: Some companies have special affiliation discounts with select insurance providers that could earn you a discount on your car insurance.
Every company has its own hardening of discounts, so talking to your agent might be the best way to identify opportunities to save .
Frequently asked questions
How much is car insurance in Virginia per month?
Based on Bankrate ’ s findings of the average cost of car indemnity in Virginia, minimum car indemnity is about $ 36.75 per month and full coverage averages about $ 108.67 per month. Your price will vary based on your alone rate factors .
Do I need full coverage car insurance in Virginia?
If you finance your vehicle with a lease or lend, you will probably be required to have wax coverage car insurance by the dealer or lender. If you do not have a loan and you opt for indebtedness merely coverage, you will be creditworthy for your fomite ’ mho repairs or surrogate out of pocket .
What is the difference between liability only and full coverage?
Liability-only coverage covers you for wrong that you cause to others, including their injuries and property damage. Full coverage includes comprehensive and collision indemnity, which provide coverage for damages to your own vehicle .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the follow full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ south requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( basal : 40 years ) applied.
Incident: Rates were calculated by evaluating our al-qaeda profile with the follow incidents applied : blank record ( base ), at-fault accident, one accelerate tag, single DUI conviction and lapse in coverage .