Ranked #37 of 51 by Cost
2026 Virginia Car Insurance Calculator
Estimate your monthly premium based on The Old Dominion averages
Your Estimate
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| VA minimum | $82 | Legal bare minimum (liability only) |
| Standard liability | $131 | High Liability, no physical damage |
| Full coverage | $175 | Comprehensive ($500 ded.) |
| Premium protection | $238 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $516 |
| 20-24 | High | $289 |
| 25-54 | Standard | $175 |
| 55-69 | Low | $166 |
| 70+ | Moderate | $219 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $175 |
| Speeding Ticket | Moderate | $214 |
| At-Fault Accident | High | $259 |
| DUI / DWI | Very high | $499 |
Virginia Snapshot · June 2026
$175/mo
State avg
#37
National Rank
36%
County Spread
Rate by Neighboring States (7)
| Rank | State | Monthly | Population |
|---|---|---|---|
| 1 | Maryland | $288 | 5,738,306 |
| 2 | Kentucky | $238 | 4,304,801 |
| 3 | Washington DC | $211 | 593,412 |
| 4 | Tennessee | $199 | 6,326,762 |
| 5 | Virginia | $175 | 7,948,284 |
| 6 | West Virginia | $171 | 1,843,394 |
| 7 | North Carolina | $154 | 9,471,530 |
State Insight
Virginia sits in the mid-tier among its neighbors. North Carolina and West Virginia are both cheaper. NC through its SDIP system and WV through its rural low-density character. Maryland is significantly more expensive, Baltimore's urban costs pulling it well above Virginia despite sharing the DC suburbs. Kentucky and Tennessee both sit above Virginia, while DC is the closest neighbor in cost.
Rate by Cities (Top 50)
| Rank | City | Monthly | Population |
|---|---|---|---|
| 1 | Annandale | $199 | 55,990 |
| 2 | Lorton | $197 | 32,059 |
| 3 | Woodbridge | $196 | 184,039 |
| 4 | Springfield | $196 | 104,396 |
| 5 | Richmond | $194 | 364,141 |
| 6 | Alexandria | $194 | 321,490 |
| 7 | Falls Church | $191 | 116,155 |
| 8 | Norfolk | $190 | 239,416 |
| 9 | Mc Lean | $189 | 51,872 |
| 10 | Burke | $189 | 43,102 |
| 11 | Chester | $188 | 44,523 |
| 12 | Portsmouth | $185 | 95,276 |
| 13 | Chantilly | $185 | 46,320 |
| 14 | Stafford | $183 | 77,138 |
| 15 | Centreville | $183 | 68,683 |
| 16 | Chesterfield | $183 | 49,080 |
| 17 | Henrico | $182 | 182,585 |
| 18 | Fairfax | $182 | 151,929 |
| 19 | Petersburg | $182 | 60,032 |
| 20 | Manassas | $181 | 137,564 |
| 21 | Arlington | $180 | 207,410 |
| 22 | Hopewell | $180 | 31,970 |
| 23 | Midlothian | $179 | 88,279 |
| 24 | Vienna | $179 | 63,233 |
| 25 | Herndon | $178 | 87,123 |
| 26 | Virginia Beach | $177 | 435,415 |
| 27 | Sterling | $177 | 79,651 |
| 28 | Reston | $177 | 59,822 |
| 29 | Spotsylvania | $177 | 33,177 |
| 30 | Chesapeake | $176 | 222,272 |
| 31 | Hampton | $176 | 131,775 |
| 32 | Glen Allen | $176 | 65,336 |
| 33 | Newport News | $174 | 179,275 |
| 34 | Fredericksburg | $173 | 156,008 |
| 35 | Suffolk | $173 | 84,522 |
| 36 | Ashburn | $172 | 82,396 |
| 37 | Mechanicsville | $172 | 63,718 |
| 38 | Martinsville | $170 | 32,646 |
| 39 | Danville | $169 | 60,391 |
| 40 | Leesburg | $168 | 73,675 |
| 41 | Charlottesville | $167 | 107,955 |
| 42 | Yorktown | $162 | 45,170 |
| 43 | Roanoke | $159 | 165,116 |
| 44 | Lynchburg | $158 | 99,291 |
| 45 | Winchester | $157 | 70,166 |
| 46 | Williamsburg | $156 | 85,103 |
| 47 | Salem | $153 | 37,761 |
| 48 | Staunton | $149 | 35,499 |
| 49 | Harrisonburg | $144 | 64,282 |
| 50 | Blacksburg | $143 | 53,311 |
City Insight
Richmond and the Northern Virginia cities lead the state. Northern Virginia's DC metro adjacency adding commuter traffic and claim frequency that pushes Arlington, Alexandria and their suburbs above the rest of the state. Harrisonburg and Blacksburg are the most affordable, their college town demographics and Shenandoah Valley location keeping rates well below the I-95 corridor.
Rate by Counties (132)
| Rank | County | Monthly | Population |
|---|---|---|---|
| 1 | Richmond City | $196 | 166,004 |
| 2 | Norfolk City | $190 | 239,416 |
| 3 | Prince William | $189 | 411,728 |
| 4 | Alexandria City | $189 | 134,600 |
| 5 | Fairfax | $188 | 1,106,511 |
| 6 | Amelia | $188 | 12,171 |
| 7 | Cumberland | $188 | 6,074 |
| 8 | Manassas Park City | $186 | 17,219 |
| 9 | Buckingham | $185 | 13,946 |
| 10 | Goochland | $185 | 19,019 |
| 11 | Chesterfield | $185 | 308,021 |
| 12 | Portsmouth City | $185 | 95,276 |
| 13 | Colonial Heights City | $185 | 25,612 |
| 14 | Henrico | $184 | 337,935 |
| 15 | Nottoway | $184 | 16,689 |
| 16 | Emporia City | $183 | 5,000 |
| 17 | Petersburg City | $182 | 60,032 |
| 18 | Dinwiddie | $182 | 14,541 |
| 19 | Rappahannock | $181 | 5,486 |
| 20 | Powhatan | $181 | 24,425 |
| 21 | Greensville | $181 | 19,830 |
| 22 | Falls Church City | $180 | 16,235 |
| 23 | Arlington | $180 | 207,410 |
| 24 | Hopewell City | $180 | 31,970 |
| 25 | Sussex | $180 | 9,728 |
| 26 | Charlotte | $180 | 14,313 |
| 27 | Manassas City | $179 | 43,876 |
| 28 | Fauquier | $179 | 64,317 |
| 29 | Stafford | $179 | 127,047 |
| 30 | Louisa | $178 | 38,068 |
| 31 | Fluvanna | $178 | 24,430 |
| 32 | Southampton | $178 | 13,905 |
| 33 | Virginia Beach City | $177 | 435,415 |
| 34 | Prince George | $177 | 19,275 |
| 35 | Prince Edward | $177 | 23,855 |
| 36 | Chesapeake City | $176 | 222,272 |
| 37 | Hampton City | $176 | 131,775 |
| 38 | Nelson | $175 | 18,403 |
| 39 | Surry | $175 | 6,752 |
| 40 | Loudoun | $174 | 310,002 |
| 41 | Culpeper | $174 | 50,309 |
| 42 | Fredericksburg City | $174 | 24,286 |
| 43 | Spotsylvania | $174 | 117,786 |
| 44 | Caroline | $174 | 27,786 |
| 45 | Orange | $174 | 29,202 |
| 46 | King George | $174 | 23,004 |
| 47 | Newport News City | $174 | 179,275 |
| 48 | Lunenburg | $174 | 9,490 |
| 49 | Westmoreland | $173 | 17,139 |
| 50 | Madison | $173 | 10,020 |
| 51 | Suffolk City | $173 | 84,522 |
| 52 | Hanover | $172 | 98,503 |
| 53 | King William | $172 | 15,928 |
| 54 | Charles City | $172 | 5,128 |
| 55 | Isle of Wight | $172 | 34,389 |
| 56 | Brunswick | $172 | 17,493 |
| 57 | Franklin City | $172 | 13,715 |
| 58 | Franklin | $172 | 53,318 |
| 59 | Greene | $171 | 21,967 |
| 60 | Pittsylvania | $171 | 44,706 |
| 61 | Halifax | $171 | 35,356 |
| 62 | Martinsville City | $170 | 32,646 |
| 63 | Albemarle | $169 | 78,369 |
| 64 | King and Queen | $169 | 6,656 |
| 65 | Gloucester | $169 | 35,089 |
| 66 | Henry | $169 | 72,685 |
| 67 | Danville City | $169 | 60,391 |
| 68 | Charlottesville City | $168 | 59,452 |
| 69 | New Kent | $168 | 21,174 |
| 70 | Mecklenburg | $168 | 32,959 |
| 71 | Floyd | $168 | 13,418 |
| 72 | Buchanan | $168 | 21,603 |
| 73 | Lee | $167 | 23,699 |
| 74 | Campbell | $167 | 36,514 |
| 75 | Amherst | $167 | 30,948 |
| 76 | Russell | $166 | 27,269 |
| 77 | Accomack | $165 | 31,593 |
| 78 | Northampton | $165 | 11,817 |
| 79 | Appomattox | $165 | 14,346 |
| 80 | Essex | $164 | 11,212 |
| 81 | Warren | $164 | 36,548 |
| 82 | Patrick | $164 | 17,696 |
| 83 | Dickenson | $164 | 15,284 |
| 84 | Tazewell | $164 | 47,527 |
| 85 | Clarke | $163 | 14,425 |
| 86 | Northumberland | $163 | 11,361 |
| 87 | Richmond | $162 | 9,346 |
| 88 | Lancaster | $162 | 12,336 |
| 89 | Mathews | $162 | 9,043 |
| 90 | Poquoson City | $162 | 12,150 |
| 91 | York | $162 | 48,839 |
| 92 | Bedford | $162 | 67,328 |
| 93 | Craig | $162 | 4,261 |
| 94 | Scott | $161 | 23,131 |
| 95 | Carroll | $161 | 23,665 |
| 96 | Botetourt | $160 | 29,146 |
| 97 | Roanoke City | $159 | 102,182 |
| 98 | Winchester City | $158 | 27,813 |
| 99 | Roanoke | $158 | 83,785 |
| 100 | Grayson | $158 | 11,546 |
| 101 | Bland | $158 | 6,754 |
| 102 | Lynchburg City | $158 | 99,291 |
| 103 | Frederick | $157 | 78,294 |
| 104 | Middlesex | $157 | 12,509 |
| 105 | Giles | $157 | 17,999 |
| 106 | Norton City | $157 | 6,262 |
| 107 | Galax City | $157 | 17,996 |
| 108 | James City | $156 | 91,218 |
| 109 | Wise | $156 | 42,759 |
| 110 | Williamsburg City | $156 | 85,103 |
| 111 | Rockbridge | $155 | 28,284 |
| 112 | Page | $154 | 23,612 |
| 113 | Pulaski | $153 | 30,398 |
| 114 | Salem City | $153 | 37,761 |
| 115 | Smyth | $153 | 32,454 |
| 116 | Lexington City | $153 | 7,023 |
| 117 | Shenandoah | $151 | 42,873 |
| 118 | Wythe | $151 | 29,238 |
| 119 | Highland | $151 | 2,221 |
| 120 | Buena Vista City | $151 | 8,807 |
| 121 | Alleghany | $151 | 21,834 |
| 122 | Bath | $150 | 5,395 |
| 123 | Covington City | $150 | 6,100 |
| 124 | Augusta | $149 | 47,379 |
| 125 | Bristol City | $149 | 17,116 |
| 126 | Washington | $149 | 54,422 |
| 127 | Staunton City | $149 | 35,499 |
| 128 | Waynesboro City | $148 | 31,451 |
| 129 | Radford City | $147 | 20,668 |
| 130 | Rockingham | $145 | 60,825 |
| 131 | Montgomery | $145 | 94,391 |
| 132 | Harrisonburg City | $144 | 64,282 |
County Insight
The Northern Virginia counties (Fairfax, Prince William and Alexandria City), form the high-rate tier, driven by DC metro density and commuter traffic. The Shenandoah Valley counties (Rockingham, Augusta and Harrisonburg City) are the most affordable. Their rural agricultural character and lower claim frequency keeping rates well below the state average.
What Every Virginia Driver Needs To Know
Can I still pay the $500 Uninsured Motorist Vehicle fee in 2026?
No, Virginia officially repealed the $500 uninsured motor vehicle fee. As of 2026, all registered vehicles must be covered by a liability policy that meets the new state minimums. Driving without insurance now results in a $600 non-compliance fee and a mandatory SR-22 filing for three years.
What are the new Virginia insurance minimums for 2026?
Following the 2025 legislative update, Virginia now requires 50/100/25 coverage. This means $50,000 for bodily injury per person, $100,000 per accident and $25,000 for property damage. These limits are significantly higher than previous years, reflecting the rising costs of medical care and modern vehicle technology.
Does Virginia use a No-Fault system like DC or Maryland?
No, Virginia is a Traditional Tort (At-Fault) state. The driver who causes the accident is responsible for all damages. However, Virginia uses a strict Contributory Negligence rule: if you are found even 1% responsible for an accident, you may be legally barred from recovering any money from the other driver.
What is the difference between PIP and MedPay in Virginia?
In Virginia, MedPay (Medical Payments) is the standard no-fault add-on that covers medical bills and funeral expenses regardless of fault. While some insurers offer PIP as well, MedPay is more common in the Commonwealth and is highly recommended given Virginia's strict 1% fault rules for liability recovery.
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