2025-2026 Law Change in Virginia
Virginia raised minimum liability limits from 25/50/20 to 30/60/20, effective January 1 2025. Full details →
Updated April 2026 | Rank #13 of 51
Car Insurance Cost Per Month in Virginia 2026
Full coverage avg
$163/mo
Minimum coverage avg
$49/mo
State minimum reqs
30/60/20
2025 minimum limit increase. Northern Virginia/DC corridor is expensive, but rural Virginia brings the average down. Adjust age and vehicle below to see your estimated monthly cost.
Virginia
in Virginia with a Sedan
$163/month
Full coverage estimate (100/300/100 + collision + comp). -$45 below national avg
State Min$93/mo30/60/20
Standard$121/mo50/100/50
Full Coverage$163/mo100/300/100
Source: NerdWallet 2026, ValuePenguin 2026, Bankrate 2026
How we calculate thisAverage Monthly Cost by Age in Virginia 2026
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $317 | $554 | Age 16page → |
| 17 | $289 | $505 | Age 17page → |
| 18 | $251 | $440 | Age 18page → |
| 19 | $214 | $375 | Age 19page → |
| 25 | $93 | $163 | Age 25page → |
| 35 | $79 | $139 | Age 35page → |
| 45 | $81 | $142 | Age 45page → |
| 65 | $88 | $155 | Age 65page → |
Average Monthly Cost by Vehicle Type in Virginia
Top 3 Carriers in Virginia by Market Share (NAIC Q1 2026)
1
GEICO
By direct written premium
2
State Farm
By direct written premium
3
Erie
By direct written premium
Market share data is from NAIC Q1 2026 public filings. Market share does not equal cheapest rate for your profile.
Nearby States by Cost Rank
Virginia Car Insurance FAQs
What is the average car insurance cost per month in Virginia?⌄
The average car insurance cost in Virginia is $163 per month for full coverage (100/300/100 plus collision and comprehensive) as of 2026, per cross-referenced data from NerdWallet, Bankrate, and ValuePenguin. Minimum-coverage-only policies average $49 per month. Virginia ranks #13 of 51 jurisdictions by cost (1 = cheapest, 51 = most expensive).
What is the minimum car insurance required in Virginia?⌄
Virginia requires minimum liability coverage of 30/60/20. See the law changes section below for recent updates to minimum limits.
Who has the cheapest car insurance in Virginia?⌄
The top three carriers by market share in Virginia are GEICO, State Farm, Erie, per NAIC Q1 2026 market filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does Virginia have no-fault insurance?⌄
No. Virginia is an at-fault state. When an accident occurs, the at-fault driver's liability coverage pays for the other driver's injuries and property damage. This means your state-minimum liability coverage must be high enough to cover a potential claim against you.
Why is car insurance so cheap in Virginia?⌄
2025 minimum limit increase. Northern Virginia/DC corridor is expensive, but rural Virginia brings the average down.
Is my credit score used for car insurance in Virginia?⌄
Yes, in most cases. Virginia allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.