🚗 Car insurance cost in Virginia (2026)
The estimated average is $1,828 per year — below the national average (-15% vs. the U.S. average of $2,150).
Virginia is home to about 8.7 million people, and car insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Virginia Beach typically differ from smaller towns.
Estimate your car insurance in Virginia
Virginia car insurance estimator
Starts from the Virginia average. Estimate only — get quotes to confirm.
Car insurance cost in Virginia cities
| City | Population | Est. car insurance |
|---|---|---|
| Virginia Beach | 455,618 | $1,901 |
| Chesapeake | 251,269 | $1,901 |
| Arlington | 234,000 | $1,828 |
| Norfolk | 232,995 | $1,828 |
| Richmond | 229,395 | $1,828 |
| Newport News | 183,790 | $1,828 |
Virginia car insurance FAQ
How much is car insurance in Virginia?
The estimated average car insurance in Virginia is $1,828 per year, which is below the national average (-15% vs. the U.S. average of $2,150). Virginia ranks 41 of 51 states from most to least expensive.
Why is car insurance cheaper in Virginia?
Car insurance pricing in Virginia reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on car insurance in Virginia?
Compare at least three quotes from insurers active in Virginia, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.