Car insurance in Virginia
Drivers in Virginia paid $1,238 a year for full coverage in 2023, 14% below the national average. With prices up since, figure on about $1,470 today. In Virginia, the law asks for at least 50/100/25 liability.
What people pay in Virginia
A typical yearly price today
about $1,470 a year (about $125 a month)
Virginia's average full-coverage cost in 2023 was $1,238, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,470.
That makes Virginia the 22nd least expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Virginia next to its neighbors
A typical policy in Virginia costs more than in Kentucky, North Carolina, Tennessee, and West Virginia and less than in District of Columbia and Maryland.
| State | Typical price, 2023 | Moving to Virginia from there |
|---|---|---|
| Virginia | $1,238 | Not a move |
| District of Columbia | $1,818 | About $790 less a year |
| Kentucky | $1,208 | About the same |
| Maryland | $1,602 | About $500 less a year |
| North Carolina | $1,097 | About $190 more a year |
| Tennessee | $1,212 | About the same |
| West Virginia | $1,227 | About the same |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Virginia's law asks for
- Liability (per person / per crash / property)
- $50,000 / $100,000 / $25,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Required
- Underinsured motorist
- Required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $627 in Virginia in 2023 (about $740 today, brought up the same rough way), the 24th highest of the 50 states and DC. That's about 51% of the full-coverage price; the rest pays to fix or replace your own car.
For policies starting on or after January 1, 2025, Virginia requires at least $50,000 per person and $100,000 per crash for injuries, plus $25,000 for property damage. Uninsured/underinsured-motorist coverage at those minimums is always included. Since July 1, 2024, you can no longer pay a fee to drive uninsured.
Good to know: You can turn down only the uninsured and underinsured coverage above the state minimum. The minimum amount has no opt-out.
What we couldn’t confirm: The date the uninsured motor vehicle fee ended comes from the Virginia DMV's announcement; we didn't read the 2023 law that ended it.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage come together in one part of the policy. They must be at least $50,000/$100,000/$25,000 and match your liability limits unless you turn down the amount above the minimum.
- Checked
- September 22, 2026
A new teen driver in Virginia
Adding a 16-year-old to a typical policy
about $970 more a year
About $80 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,800–$3,250 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,210 a year in Virginia (roughly $3,200–$6,000).
What adding a teen costs comes from California's published prices, so the range is wide, and Virginia may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Virginia, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $860 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,460 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$860 a year | $3,760 a year |
| 2022 Subaru Outback | +$870 a year | $3,770 a year |
| 2022 Subaru Crosstrek | +$870 a year | $3,780 a year |
| 2022 Honda CR-V | +$930 a year | $4,040 a year |
| 2022 Toyota RAV4 | +$950 a year | $4,110 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Virginia (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Virginia's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.