Car Insurance in Virginia

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Looking for cheap car insurance in Virginia?

Virginia is a coastal state that’s home to plenty of historical monuments—and relatively affordable car insurance rates, as well. But that doesn’t mean that using a free insurance shopping app like Jerry won’t help you save.
Virginia has a competitive insurance market and affordable repair costs that keep insurance prices low, but providers all use different formulas when calculating your rates. From Arlington to Richmond, Jerry will generate quotes from top providers in 45 seconds or less.
Even better, Jerry is a licensed broker who can take care of your switchover so you don’t have to. Once you choose your preferred policy, Jerry will handle the cancelation, paperwork, phone calls, and renewals. You get all the best prices and coverage with none of the legwork.
The best part? The average Jerry customer saves $879 per year on car insurance!
Here are some real quotes from customers in Virginia who saved money with Jerry:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
April 27, 2022Chevrolet Impala LSBumpassGarrett O.28Progressive$110/mo.$61/mo.
May 3, 2022Honda PreludeGlen AllenCurtis N.21Electric$179/mo.$77/mo.
April 28, 2022Toyota Camry LERichmondTravis H.34Mercury$165/mo.$94/mo.
May 13, 2022Nissan Altima 2.5Newport NewsLouise N.37National General$175/mo.$96/mo.
May 17, 2022Chevrolet Suburban K1500 LTArlingtonNathan G.25Clearcover$176/mo.$147/mo.
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How much does car insurance cost in Virginia?

The average cost of liability-only car insurance in Virginia is $1,810 per year. If you prefer to buy full coverage car insurance in Virginia, you can expect to pay an average cost of $2,318 per year.

How does the cost of car insurance in Virginia compare to the rest of the country?

Compared to nationwide averages, it costs $1,626 per year for liability-only car insurance and $2,298 per year for full-coverage car insurance.
What affects car insurance rates in Virginia? Here are some factors to keep in mind:
  • Uninsured drivers: The high percentage of uninsured drivers on the roads of Virginia can increase premiums.
  • Inclement weather: Virginia experiences storms and flooding that can be dangerous for drivers.
Here’s how Virginia’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
VA$2,204$1,444$2,128$1,040$2,252$1,624
National Average$2,436$1,660$2,296$1,376$2,654$1,962
VANational Average
All Coverage Before Jerry
$2,204$2,436
All Coverage After Jerry
$1,444$1,660
Minimum Coverage Before Jerry
$2,128$2,296
Minimum Coverage After Jerry
$1,040$1,376
Full Coverage Before Jerry
$2,252$2,654
Full Coverage After Jerry
$1,624$1,962
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Top auto insurance providers in Virginia

There are numerous insurance providers for drivers in Virginia to choose from that offer affordable prices and great coverage. Some of the most popular carriers include Kemper and National General.
But the provider that’s right for you will all depend on your individual circumstances.
Every provider has a unique formula when setting its prices, and you’ll likely get different quotes for the same coverage from each carrier.
Insurance carriers in Virginia will take into account your age, driving history, location, and type of vehicle when determining your rates. The cost to insure a pricier model, such as the BMW I8, will be higher than a Toyota Corolla which has a lower cost of repairs.
Jerry has helped drivers save money with some of the most popular carriers in Virginia:
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What car insurance do you need in Virginia?

Drivers in Virginia are required to either pay a $500 uninsured motorist fee or carry minimum liability insurance before hitting the road. This coverage includes at least the following:
CoverageAmountDescription
Bodily injury liability$30,000 per person / $60,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$20,000 per accidentCovers the costs associated with the damage you cause to other people’s vehicles or property
There are a number of penalties drivers may face if they are stopped or involved in an accident without the appropriate insurance, including:
  • Fines up to $500.
  • Suspension of driver’s license and plate.
  • Reinstatement fee up to $145.
  • SR-22 form for three years.
Liability insurance will mainly cover other drivers and their property if you cause an accident, so it won’t protect you or your car. Virginia drivers should also consider the following:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Roadside assistanceCovers the costs associated with a breakdown
No matter what kind of coverage you’re looking for, Jerry can help you save money on your auto insurance.
Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even cancel your old policy for you. And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal.
Now that we’ve covered the basics of auto insurance in Virginia, let’s go over some factors that can impact your rates.

How is your cost of car insurance determined in Virginia?

Insurance carriers will take a number of factors into consideration when determining your rates, such as age, driving record, location, and type of vehicle.

Cost to insure your car in Virginia by age

Insurers value driving experience. Younger drivers have less experience on the road, and this will likely lead to higher insurance premiums.
What young drivers in Virginia need to know
  • Accidents are the leading cause of death for Virginia teens ages 16 through 19. In 2019 alone, the Virginia DMV reported 17,600 accidents involving teenage drivers, resulting in 9,200 injuries and 65 deaths.
  • Completing a defensive driving course could help young drivers save money on their rates.
  • Maintaining a high average can help student drivers to qualify for good student discount.
Even if a young driver can’t enjoy the same low premiums their parents do, you can still get cheap car insurance quotes by shopping around, and maintaining a clean driving record.
Young drivers who comparison shop with Jerry can find the most affordable prices for car insurance. Here are the average premiums for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,002$1,098
21-24$2,712$996
25-34$2,478$923
35-44$2,419$922
45-54$2,296$913
55-64$2,175$842
65+$2,272$942
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Cost to insure your car in Virginia with a poor driving record

Whether or not you have a clean driving record can heavily influence the cost of your car insurance. Accidents, tickets, and driving violations can end up increasing both your risk level and your rates.
Less severe offenses may stay on your driving record for 3–5 years, while serious violations can stick with you for more than a decade—all the while affecting your rates, since you’re considered a high-risk driver.
Fortunately, Jerry is there to help you find a competitive and cheap car insurance policy—even if your driving record isn’t squeaky clean:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,510$851
Eluding Police$3,173$1,506
Open Container$4,835$1,486
Driving on Sus. License$3,796$1,420
DUI$3,340$1,361
Cell Phone$6,180$1,357
Vehicle Theft$2,869$1,314
Seat Belt$3,936$1,304
Illegal Turn$3,120$1,284
Careless Driving$4,360$1,239
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Cost to insure your car in Virginia based on where you live

Virginia’s average car insurance premiums are slightly higher than the national average, but your rates will depend on your specific area.
Residents of cities like Richmond will end up paying more than those in smaller towns such as Fredericksburg due to higher rates of accidents, theft, and population density,
These are the most affordable rates we’ve found for Jerry customers who live in Virginia:
City
Average Cost
Annual Savings with Jerry
Alexandria$2,531$902
Arlington$2,363$798
Fairfax$2,409$925
Fredericksburg$2,526$945
Hampton$2,585$982
Newport News$2,649$1,000
Norfolk$2,524$944
Richmond$2,540$922
Virginia Beach$2,514$984
Woodbridge$2,705$974
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Cost to insure your car in Virginia based on the type of car you drive

Believe it or not, the type of car you drive can be an important factor in your insurance rate.
Vehicles like the Honda Accord, which is the most popular car in Virginia, are far more affordable to insure than sports cars or luxury vehicles.
A pricey car like the Infiniti Qx80 will cost more to insure, due to the higher price of replacement parts and repairs it requires.
Here’s what it costs to insure some popular car makes and models in Virginia with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Hyundai Sonata SE$2,366$1,647
Honda Civic LX$2,320$1,470
Nissan Altima 2.5$2,411$1,450
Toyota Corolla L$2,402$1,449
Ford Focus SE$2,060$1,211
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How to save money on car insurance in Virginia

Even with the relative affordability of car insurance in Virginia, there are still numerous ways for drivers to save on their premiums.

Shop around for quotes

Your best bet for finding the most affordable rates, no matter the coverage you’re looking for, is by comparison shopping.
But doing this yourself can lead to hours wasted sorting through policies, making phone calls, and filling out forms.
If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any of the time-consuming work usually associated with comparison shopping.
Basically, you get all of the savings and coverage, with none of the hassle.
And the savings don’t stop there! When your policy is up for renewal, Jerry will send you new quotes—so you always know you’re getting the best rates.

Look for discounts

The majority of providers offer discounts to customers, which can go a long way in helping you save money. It’s fairly easy to qualify for insurance discounts in Virginia, though you may need to ask your insurance company about which ones you qualify for.
Some of the popular discounts in Virginia include:
Discount typeWho is eligible?
Accident-free discountMaintaining an accident-free record for three years may qualify you for a discount. The discount may increase over time if the record remains free of chargeable accidents.
Driver education discountUnder Virginia state law, all drivers who complete an approved driver’s education course are eligible for a discount.
Multiple vehicle discountIf you insure more than one vehicle from the same household under the same policy with the same insurer, you could be eligible for a fairly significant discount.
Good student discountDiscounts of up to 20% may be available to full-time students who maintain an average of at least a B.
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Increase your deductible

You can decrease your monthly premium by raising your deductible—that is, the amount you pay out of pocket if you have to make a claim.
While this could help you save money each month, it’s important to guarantee you can afford to pay the full deductible each time you would need to make a claim.

Registering your car in Virginia

If you want to register a car in Virginia, you need to have the following paperwork:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Proof of insurance
  • Registration application
  • Proof of a safety inspection
  • Proof of a smog test, depending on the age of the vehicle
You should make an appointment with the DMV to avoid long waits when registering your vehicle. Once there, you’ll have to fill out a registration form that asks for some details about you and your vehicle.
Virginia allows its residents to renew their registration every one, two, or three years—the latter two having specific requirements if you intend to renew less regularly.

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