How much is car insurance in Virginia?
Car insurance in Virginia cost an average of $1,238 a year for full coverage in 2023 (NAIC), sitting 14% below the $1,439 national average and coming to about $1,470 a year in Virginia today (about $125 a month in August 2026 dollars). In Virginia, the law asks for at least 50/100/25 liability, while Virginia liability-only policies—the closest NAIC figure to minimum coverage—averaged $627 in 2023 (about $740 today).
Average car insurance cost in Virginia: 14% below the US average
Typical Virginia full-coverage price today
about $1,470 a year in Virginia (about $125 a month)
Virginia's 2023 NAIC full-coverage average ($1,238) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Virginia rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Virginia was the 22nd least expensive of the 50 states and DC for full coverage ($1,238 vs $1,439 nationally), but ranked higher on liability alone (24th highest in the US at $627) because liability makes up 51% of a full-coverage Virginia bill. Counting every insured car in Virginia—both full-coverage and liability-only policies—Virginia drivers spent $1,114 per vehicle on average in 2023 (26th lowest in the US, about $1,320 today), or 10% ($124) less than Virginia's full-coverage combined average.
How Virginia compares with District of Columbia, Kentucky, Maryland, and 3 more bordering states
A typical policy in Virginia ($1,238 in 2023) costs more than in Kentucky, North Carolina, Tennessee, and West Virginia and less than in District of Columbia and Maryland. Among Virginia's neighbors, North Carolina had the lowest 2023 average ($1,097, moving to Virginia is about $190 more a year) and District of Columbia had the highest ($1,818, moving to Virginia is about $770 less a year).
| State | 2023 average | Moving to Virginia from there |
|---|---|---|
| Virginia | $1,238 | Current state (Virginia) |
| District of Columbia | $1,818 | About $770 less a year |
| Kentucky | $1,208 | About the same |
| Maryland | $1,602 | About $490 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 |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Washington ($1,235 in 2023, about $1,460 today), Minnesota ($1,223 in 2023, about $1,450 today), Illinois ($1,257 in 2023, about $1,490 today), and Alaska ($1,262 in 2023, about $1,500 today).
Virginia: 50/100/25 minimums since 2025, with mandatory uninsured-motorist coverage
- Virginia liability (per person / per crash / property)
- $50,000 / $100,000 / $25,000
- Personal injury protection (PIP) in Virginia
- Not required
- Medical payments in Virginia
- Not required
- No-fault system in Virginia
- No
- Uninsured motorist in Virginia
- Required
- Underinsured motorist in Virginia
- Required
Set by Va. Code 46.2-472, Virginia's 50/100/25 minimum pays up to $50,000 per person and $100,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Virginia, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Virginia—the closest NAIC figure to what a Virginia minimum policy costs—averaged $627 in 2023 (about $740 in Virginia today), the 24th highest of the 50 states and DC. That makes liability 51% of Virginia's full-coverage average ($1,238), while the remaining 49% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- 50/100/25 for policies effective on or after January 1, 2025 (was 30/60/20 for policies effective 2022-01-01 through 2024-12-31). The option to pay an uninsured motor vehicle fee instead of buying insurance ended July 1, 2024.
- Checked
- September 22, 2026
- Sources
- Va. Code 46.2-472
For all policies effective on or after January 1, 2025 ... $50,000 because of bodily injury to or death of one person ... $100,000 ... $25,000 because of injury to or destruction of property
- Virginia DMV, Insurance Requirements
Policies effective Jan. 1, 2022 through December 31, 2024 $30,000 $60,000 $20,000 Policies effective on or after Jan. 1, 2025 $50,000 $100,000 $25,000
- Virginia DMV, New Laws Take Effect July 1, 2024
DMV will no longer collect the Uninsured Motor Vehicle (UMV) fee. All vehicles registered in Virginia will be required to obtain an insurance policy that meets Virginia's liability limits.
- Va. Code 46.2-706
Every person applying for registration of a motor vehicle shall ... furnish to the Commissioner his certificate that the motor vehicle is an insured motor vehicle
- Va. Code 38.2-2206
within limits not less than the requirements of 46.2-472 ... unless any one named insured rejects the additional uninsured motorist insurance coverage ... shall also provide underinsured motorist insurance coverage with limits that shall be equal to the uninsured motorist
- Va. Code 38.2-2201
Upon request of an insured, each insurer ... shall provide on payment of the premium, as a minimum coverage
- Va. Code 46.2-472
Adding a 16-year-old driver in Virginia: about $970 more a year
Adding a 16-year-old to a Virginia policy
about $970 more a year
About $80 a month (+66% over a typical Virginia adult policy of $1,470), bringing the combined Virginia family policy to roughly $1,800–$3,250 a year.
On a separate Virginia policy of their own with the same car, a 16-year-old in Virginia would pay about $4,210 a year (roughly $3,200–$6,000), so sharing a parent's Virginia policy saves about $3,240 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Virginia's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Virginia
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 on a Virginia policy, compared with about $1,460 more a year for the 2022 Tesla Model 3 in Virginia.
| 2022 model | Added to a Virginia policy | Own Virginia policy |
|---|---|---|
| 2022 Subaru Forester | +$860 in Virginia | $3,760 in Virginia |
| 2022 Subaru Outback | +$870 in Virginia | $3,770 in Virginia |
| 2022 Subaru Crosstrek | +$870 in Virginia | $3,780 in Virginia |
| 2022 Honda CR-V | +$930 in Virginia | $4,040 in Virginia |
| 2022 Toyota RAV4 | +$950 in Virginia | $4,110 in Virginia |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Virginia
In Virginia, a 45-year-old with full coverage pays from about $1,400 a year for a 2024 Subaru Crosstrek to about $1,950 for a 2024 Kia Forte on these Virginia sample models.
| Car | 45-year-old in Virginia | Adding a teen in Virginia |
|---|---|---|
| 2024 Subaru Impreza | about $1,600 a year | +$1,050 a year |
| 2024 Hyundai Elantra | about $1,920 a year | +$1,270 a year |
| 2024 Kia Forte | about $1,950 a year | +$1,290 a year |
| 2024 Toyota Prius | about $1,640 a year | +$1,080 a year |
| 2024 Nissan Sentra | about $1,940 a year | +$1,280 a year |
| 2024 Volkswagen Jetta | about $1,780 a year | +$1,170 a year |
| 2024 Kia Soul | about $1,750 a year | +$1,150 a year |
| 2024 Subaru Crosstrek | about $1,400 a year | +$920 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Virginia
- How much is car insurance in Virginia?
- In Virginia, full-coverage car insurance averaged $1,238 a year in 2023 (the 22nd least expensive of the 50 states and DC per NAIC), or about $1,470 a year ($125 a month) in Virginia as of August 2026. Virginia liability-only coverage averaged $627 in 2023 (51% of Virginia's full-coverage figure, or about $740 today), and Virginia drivers spent $1,114 per insured car across all policies.
- What are the minimum car insurance limits in Virginia?
- Under Va. Code 46.2-472, Virginia requires 50/100/25 liability: $50,000 per person and $100,000 per crash for bodily injury, plus $25,000 for property damage. 50/100/25 for policies effective on or after January 1, 2025 (was 30/60/20 for policies effective 2022-01-01 through 2024-12-31). The option to pay an uninsured motor vehicle fee instead of buying insurance ended July 1, 2024.
- How much does adding a 16-year-old teen driver cost in Virginia?
- Adding a 16-year-old to a parent's full-coverage policy in Virginia adds about $970 more a year ($80 a month), bringing the Virginia household policy to roughly $1,800–$3,250 a year versus about $4,210 a year (roughly $3,200–$6,000) on a standalone Virginia teen policy.
- Is Virginia a no-fault car insurance state?
- No—Virginia is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Virginia does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Virginia: 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.
- How does Virginia's car insurance cost compare with District of Columbia?
- Virginia averaged $1,238 for full coverage in 2023 (NAIC) against $1,818 in District of Columbia (32% less than District of Columbia), and moving a sample policy from District of Columbia to Virginia today is about $770 less a year. Other bordering states averaged $1,208 in Kentucky, $1,602 in Maryland, $1,097 in North Carolina, $1,212 in Tennessee, and $1,227 in West Virginia in 2023.
Sources for Virginia
- Virginia average premiums ($1,238 full coverage, $627 liability-only, $1,114 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Virginia minimum coverage statutes (Va. Code 46.2-472; Virginia DMV, Insurance Requirements; Virginia DMV, New Laws Take Effect July 1, 2024; Va. Code 46.2-706; Va. Code 38.2-2206; Va. Code 38.2-2201), checked September 22, 2026. Page updated for Virginia. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.