Virginia Car Insurance Calculator
Numbers updated
Just three questions. No name, email or phone needed. The Virginia average is already in place.
1 of 2
What age is the main driver?
2 of 2
How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
The estimate draws on Virginia averages
From the NAIC averages for Virginia, the calculator then adjusts for the driver's age, their driving record and the car.
| 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).
How the estimate shifts
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
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