The following rates are for drivers with a clean driving record and their own auto insurance policy (with the exception of rates for 16-year-olds). Below, you can see the average cost of car insurance in Virginia for drivers with a speeding ticket, at-fault accident, or drunk driving conviction in your motor vehicle records. We can help you understand the average car insurance rates in Virginia from several points of view, including different ages and driving incidents. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
However, the cheapest car insurance company in Virginia will vary based on its unique rating metrics, so you may want to get quotes from other companies to compare rates. The table below shows car insurance rates in Virginia for five cities and compares each city's average total coverage premium with the state average. Virginia, like most states, allows insurers to use their credit rating to create a credit-based insurance rating. If you have speeding convictions, at-fault accidents, or drunk driving convictions on your record, you're more likely to be considered a high-risk driver and pay higher rates for car insurance.
Once a young driver moves in and establishes their own home, they will be required to purchase their own car insurance policy.