Car Insurance in Virginia
Figures updated
Virginia driver costs, the legal minimum and who has the lowest prices.
- $113.the average monthly cost for full coverage.
- 50/100/25.the minimum liability limits.
- 33rd of 51.the most expensive state (1st = highest).
How much car insurance costs in Virginia
With full coverage, the average Virginia driver pays $1,358 a year, or about $113 a month. Policies carrying only the legal minimum average $691 a year. That figure is 16% below the US average, which is $1,613 a year.
| 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).
What Virginia requires at minimum
In Virginia, liability coverage of at least 50/100/25 is required. The limits are $50,000 per person who is hurt, $100,000 for everyone injured during a single crash and $25,000 when other people's property is damaged.
Virginia is an at-fault state, so the driver who causes a crash pays with their own liability cover.
You need both uninsured and underinsured motorist cover.
Source: Virginia DMV, Insurance Requirements.
How many drivers in Virginia lack insurance
In 2023, about 13% of Virginia drivers had no car insurance. That rate ranks 23rd highest among the 51. If an uninsured driver hits you, uninsured motorist cover pays your bills.
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