Auto Insurance in Virginia — Average Cost 2026
Average auto insurance in Virginia: $1,440/year ($120/month). Virginia ranks #13 out of 51 states — below the national average.
Average annual
$1,440
Average monthly
$120
National rank
#13
of 51 states
vs national avg
-19.1%
Virginia vs national average
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Auto insurance in Virginia
Virginia sits 19% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Virginia tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Virginia drivers hundreds of dollars annually.