Car Insurance in Virginia (2026)
Virginia drivers pay an average of $1,850 per year for full-coverage car insurance. The state requires minimum liability coverage of 30/60/20 (bodily injury per person/per accident/property damage in thousands). Key factors affecting rates in Virginia include dc metro spillover traffic and optional insurance (with $500 fee). Comparing quotes from multiple carriers is the best way to find affordable coverage in Virginia, as rates can vary significantly between providers for the same driver profile and coverage level.
$1,850
$154/mo
30/60/20
BI per person/accident/PD
-20%
Below average
GEICO
Most popular in state
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Top Car Insurance Companies in Virginia
Virginia Minimum Coverage Requirements
Virginia requires 30/60/20 liability. Alternatively, drivers can pay a $500 uninsured motor vehicle fee (NOT recommended).
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Virginia
Virginia Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Virginia Department of Insurance and get personalized quotes from carriers.