Virginia Car Insurance Calculator

The Virginia Car Insurance Calculator was developed to assist drivers in this state with estimating the cost of auto insurance policies in this state. It can give an approximate quote for full coverage policies – collision and comprehensive as well as liability – taking into account your age, vehicle type and other risk factors such as credit score. Getting an instant quote usually takes 10-15 minutes but your final rate will depend on which provider you choose.

Virginia average annual car insurance costs are lower than the national average of $1,682, but factors that could increase or decrease rates, including your driving record and type of vehicle you drive can have a substantial effect. MoneyGeek’s car insurance calculator can help determine an approximate average rate in your area before comparing quotes from various providers to find an excellent car insurance deal.

Driving records have an enormous effect on car insurance costs, as insurers see any sign of high-risk behavior as evidence that will require them to increase premiums accordingly. Drivers with speeding tickets, at-fault accidents and DUI convictions on their records typically pay nearly double than drivers without such incidents on record for premiums in Virginia; as per this table (below), each incident increases your chance of higher premiums.

Your credit score also plays a factor in Virginia auto insurance rates, typically leading to more frequent claim filing and, consequently, paying more. On average, those with poor credit tend to file claims more frequently and on average pay $997 more annually for car insurance coverage compared with drivers with excellent credit.

Your age also plays an integral part in determining your Virginia car insurance rates, especially as a young driver or teenager with higher accident rates than others are more costly to insure.

Virginia requires all drivers to carry minimum auto insurance, which consists of $25,000 per person and $50,000 per accident in bodily injury liability, plus $20,000 in property damage liability coverage. If you are financing your vehicle, your lender may require that you carry comprehensive and collision coverage in addition to state minimums. Reduce auto insurance costs in Virginia by purchasing less coverage, selecting an inexpensive vehicle or opting for used. Also consider eliminating extras such as towing and roadside assistance from your policy to save even more. To learn more about how these factors and others impact Virginia car insurance premiums visit our guide of the best Virginia auto insurers.