Car Insurance in Virginia
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Introduction: Car Insurance in Virginia
Virginia has over 6.1 million licensed drivers, making car insurance a crucial requirement for residents. Whether you’re driving in Richmond, commuting in Virginia Beach, or navigating the Blue Ridge Parkway, car insurance in Virginia is legally required and provides financial security.
Virginia has moderate car insurance rates compared to the national average. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Virginia is $1,304, which is lower than the national average of $1,674.
Virginia Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (30/60/20 Rule)
According to the Virginia Department of Motor Vehicles (DMV), drivers must carry at least:
✔ $30,000 for bodily injury per person
✔ $60,000 for bodily injury per accident
✔ $20,000 for property damage per accident
✔ Uninsured/Underinsured Motorist Coverage (UM/UIM): Minimum $30,000 per person / $60,000 per accident
Why Minimum Coverage May Not Be Enough:
- Medical bills from an accident can exceed $30,000 per person.
- Vehicle repair costs often surpass $20,000, especially for newer models.
- Virginia allows drivers to be uninsured by paying a $500 Uninsured Motor Vehicle Fee, making Uninsured Motorist Coverage (UM) a wise choice.
Recommended Full Coverage for Better Protection
Many Virginia drivers opt for full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Important due to Virginia’s hurricanes and floods |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Essential for financial security |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Beneficial for drivers without health insurance |
Average Cost of Car Insurance in Virginia
Car insurance rates in Virginia vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Virginia Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $598 |
| Full Coverage | $1,304 |
Car Insurance Costs by Major Virginia Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Virginia Beach | $730 | $1,600 |
| Norfolk | $750 | $1,650 |
| Chesapeake | $720 | $1,580 |
| Richmond | $780 | $1,700 |
| Newport News | $740 | $1,620 |
| Alexandria | $810 | $1,750 |
| Hampton | $750 | $1,640 |
| Roanoke | $690 | $1,480 |
| Portsmouth | $770 | $1,680 |
| Lynchburg | $700 | $1,500 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16–19 Years | $3,800 – $5,800 | $6,500 – $8,500 |
| 20–24 Years | $1,900 – $2,800 | $3,800 – $5,200 |
| 25–34 Years | $1,200 – $1,900 | $2,800 – $3,800 |
| 35–44 Years | $1,000 – $1,700 | $2,500 – $3,500 |
| 45–54 Years | $950 – $1,500 | $2,300 – $3,200 |
| 55+ Years | $900 – $1,400 | $2,000 – $3,000 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Virginia
Several factors influence car insurance rates in Virginia, including:
- Severe Weather Risks: Hurricanes, flooding, and ice storms increase accident risks.
- Driving Record: Accidents, DUIs, and traffic violations significantly impact rates.
- Location: Urban areas like Richmond and Norfolk have higher rates due to congestion and theft.
- Credit Score: Virginia insurers use credit history to determine premiums.
- Annual Mileage: Higher mileage increases accident risk and premiums.
- Vehicle Type: Luxury and high-performance vehicles cost more to insure.
- Litigation Costs: Virginia has a high number of personal injury claims, increasing insurance rates.
Best Car Insurance Companies in Virginia (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,250 |
| State Farm | Best for Customer Service | $1,300 |
| Progressive | Best for High-Risk Drivers | $1,450 |
| Allstate | Best Full Coverage Options | $1,600 |
| USAA (Military Families) | Lowest Rates for Military | $1,200 |
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FAQs
Virginia law requires 30/60/20 liability coverage: $30,000 per person for injuries, $60,000 per accident, and $20,000 for property damage.
The average minimum coverage costs around $50 per month, while full coverage averages $109 per month.
Smaller cities like Lynchburg and Roanoke tend to have lower rates compared to Richmond and Alexandria.
Yes, Virginia requires uninsured motorist coverage of at least $30,000 per person/$60,000 per accident.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.