Average Car Insurance Cost in Virginia
Numbers refreshed
By coverage, NAIC shows Virginia averages along with the state's national rank.
- Full coverage averages $1,358 yearly.
- 50/100/25.The liability minimums.
- 33rd of 51.How states rank by cost (1st = highest).
Average costs in Virginia by coverage
Virginia's average annual cost for full coverage is $1,358. The US annual average is $1,613, and Virginia is 16% lower.
For each insured car, average spending rose from $1,113 in 2023 to $1,218 in 2024, a 9.4% increase.
| Coverage in Virginia | Per year | Per month |
|---|---|---|
| Liability | $691 | $58 |
| Collision | $435 | $36 |
| Comprehensive | $232 | $19 |
| Full coverage (all three) | $1,358 | $113 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Similar states compared with Virginia
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Oregon | 30th | $1,375 | $115 |
| Minnesota | 31st | $1,373 | $114 |
| West Virginia | 32nd | $1,367 | $114 |
| Virginia | 33rd | $1,358 | $113 |
| Tennessee | 34th | $1,354 | $113 |
| Nebraska | 35th | $1,345 | $112 |
| Kentucky | 36th | $1,337 | $111 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
All ages and records are combined in the averages. The Virginia calculator adjusts them for your details.
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