Full Coverage Car Insurance in Virginia
Numbers refreshed
Liability, collision and comprehensive together, priced from the Virginia averages.
- Each month, full coverage averages $113.
- Minimum liability limits are 50/100/25.
- It ranks 33rd of 51 among the most expensive states (1st = highest).
How much full coverage costs in Virginia
Full coverage adds collision and comprehensive to liability. In Virginia, adding those two parts to liability costs another $667 a year beyond the $691 average.
| 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).
The point at which full coverage stops paying off
If you still owe money on the car, lenders and lease companies require it.
After the car is paid off, weigh its value against the $667 a year that extra cover costs. If a single bad year of premiums would pay for most of the car, the better deal is usually liability only.
Full coverage in Virginia, by car
These estimates are for an adult with a clean record and come from IIHS-HLDI loss results. Of the 40 models we price, these are the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $867 | $72 |
| Honda CR-V | $881 | $73 |
| Subaru Outback | $939 | $78 |
| Toyota RAV4 | $1,031 | $86 |
| Mercedes-Benz C-Class | $1,825 | $152 |
| Chevrolet Camaro | $2,134 | $178 |
| Dodge Charger | $2,440 | $203 |
| Dodge Challenger | $2,521 | $210 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Learn more about car insurance in Virginia
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