Car insurance rates in Virginia
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- Virginia Farm Bureau provides the cheapest liability coverage at $26 per month in Virginia.
- Virginia Farm Bureau offers the cheapest rates for full coverage insurance in Virginia at $62 per month.
- At $98 per month, Newport News is the cheapest city for car insurance in Virginia.
Read on to learn more about car insurance price trends in Virginia. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Virginia
For drivers looking to meet Virginia minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Virginia
#1. Virginia Farm Bureau: $26
#2. American Family: $29
#3. Mercury: $33
#3. Travelers: $33
#5. Cincinnati Insurance: $35
Cheap full coverage in Virginia
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Virginia
#1. Virginia Farm Bureau: $62
#2. Travelers: $70
#3. American Family: $76
#4. Auto-Owners Insurance Co: $77
#5. Cincinnati Insurance: $78
Impact of traffic violations on Virginia auto insurance rates
In Virginia, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Virginia may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Virginia after common driving violations.
- No violation: $158
- Not-at-fault accident: $164
- Failure to wear a seat belt: $188
- Speeding 6 - 10 MPH over limit: $191
- Speeding 21 - 25 MPH over limit: $210
- DUI: $316
- Reckless driving: $286
- Driving with a suspended license: $332
- Leaving scene of an accident/hit and run: $332
Car insurance rates across Virginia's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Virginia
#1. Newport News: $98
#2. Hampton: $101
#3. Alexandria: $109
#4. Broadway: $117
#4. Dayton: $117
Cities with the most expensive average monthly premium in Virginia
#1. Lincolnia: $176
#2. Baileys Crossroads: $174
#3. Annandale: $172
#4. North Springfield: $171
#5. Fort Belvoir: $170
