This is 306% more expensive than the estimated state average rate. And those who want to save money on car insurance premiums can choose to have only the state's minimum liability coverage to be able to drive legally in the state. 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. 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.
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. The table below shows the other auto insurance companies available that offer car insurance in Virginia, along with their average cost per month and their average annual cost. When looking at car insurance rates in Virginia, it's a promising idea to get quotes from many firms. 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 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). Once a young driver moves in and establishes their own home, they will be required to purchase their own car insurance policy. 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. Virginia drivers pay fairly low average rates for car insurance, especially compared to the national average.
Virginia, like most states, allows insurers to use their credit rating to create a credit-based insurance rating. Your car insurance premium is determined by a variety of factors, such as state, city, and even zip code.
