Virginia Car Insurance [Rates + Cheap Coverage Guide]

Average Virginia car insurance rates are $841/yr. or $70.08/mo. Virginia car insurance requirements are 25/50/20 for bodily injury and property damage coverage.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 3, 2020

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Virginia Summary Statistics Details
Road Miles Total In State: 75,061
Vehicle Miles Driven: 81 billion
VehiclesRegistered In State: 6.96 million
Total Stolen: 4,486
State Population 8,517,685
Most Popular Vehicle Honda CR-V
Uninsured Motorists9.90%
Rank: 34th
Total Driving Fatalities 2008 - 2017
Speeding: 2,031
Drunk Driving: 2,316
Average Annual Premiums Liability: $425/yr
Collision: $280/yr
Comprehensive: $136/yr
Average Full Coverage Rates: $841/yr
Cheapest ProvidersNationwide and USAA
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Virginia may be for lovers, but there’s nothing to love about high car insurance rates.

Whether it’s monthly, quarterly, or biannually, those bills from the insurance company never seem to stop coming. If you’re like us, getting a letter from the insurance company is never a good thing.

Consumers in Virginia paid an average of $842.67 for car insurance in 2015.

Were you one of them?

Or did you pay a lot more? Nobody likes to pay too much for anything, let alone, spending too much for car insurance. But how do you get started? What if all of the information you needed to save money on your car insurance was in one spot? Would you invest the time?

What if it would save you money? A LOT of money. I bet you would, and your family would love you for it. Everything you need to know about buying cheap car insurance in Virginia is in this comprehensive guide. Enter your ZIP code below to get started.

Table of Contents

Virginia Car Insurance Coverage and Rates

The median household income in Virginia in 2017 was over $71,535, and drivers, on average paid over $843 for car insurance. There’s certainly nothing to love about that.

We think consumers in the Old Dominion State are spending way too much money on car insurance.

There has to be a better way.

Minimum Coverage Requirements in Virginia

Below, we have provided information and helpful advice so you can get the best coverage options for your needs.

Bodily Injury Liability$25,000 per person
$50,000 per accident
Property Damage Liability$20,000
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Okay, you’ve read the numbers, but what do they mean?

What is 25/50/20?

Bodily injury?


We hope you never have to deal with any of these situations or end up in one of these:

But if you do, the basic coverage requirements in Virginia which all motorists must have for liability insurance are:

  • $25,000 to cover the death or injury per person
  • $50,000 to cover the total death or injury per accident
  • $20,000 to cover property damage per accident

Liability insurance pays all individuals — drivers, passengers, pedestrians, etc. — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes. If you cause a wreck, liability insurance pays everyone affected by the accident.

Required Forms of Financial Responsibility in Virginia

What is financial responsibility? Basically, financial responsibility is proof that you have Virginia’s minimum liability coverage. State law requires every driver and owner of a vehicle to have proof of financial security at all times.

Here are a few acceptable forms of proof of financial security in Virginia:

  • Valid Insurance ID Card
  • Electronic proof on a smartphone
  • Proof that you paid the UMV fee

According to the Virginia DMV:

The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk.

It expires with your registration and must be paid at renewal. If you are driving an uninsured vehicle and are involved in an accident, the other driver may notify DMV that your vehicle is uninsured as part of reporting the accident to DMV.

Premiums as Percentage of Income in Virginia

In Virginia, the per capita disposable income is $43,904. On average, residents spend $843 a year on car insurance. To put this amount in perspective, the countrywide, annual average for car insurance is $981. This means people in Virginia pay less than the countrywide average and less than neighboring states, New York and Pennsylvania who pay yearly amounts of $1,328 and $953, respectively.

You can also use our calculator to know how much you’re spending on premiums.


Average Monthly Car Insurance Rates in VA (Liability, Collision, Comprehensive

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The main concern of most every motorist in Virginia is the rising cost of insurance? The table below shows data provided by the National Association of Insurance Commissioners, which is an agency dedicated to keeping up with the changing costs of car insurance.

Coverage TypeAnnual Costs (2015)
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Up next, we take a look at loss ratios and what they mean to a company’s bottom line.

Additional Liability Coverage in Virginia

To gauge the financial health of insurance companies, you should look at its loss ratios. Loss ratios are explained as: the money insurance companies pay out on claims compared to the money they take in on premiums is the loss ratio.

For example, an auto insurer collects $100,000 of premiums in a given year and pays out $35,000 in claims, the company’s loss ratio is 35 percent ($35,000 incurred losses/$100,000 earned premiums).

Check out the loss ratio for these two types of coverage in Virginia.

Additional Liability Coverage in Virginia - Loss Ratios201320142015
Medical Pay (Med Pay) 76.96%69.13%67.12%
Uninsured/Underinsured Motorist Coverage69.58%72.95%74.89%
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You may want to consider adding additional coverage to your insurance plans, to avoid paying out of pocket in the event of an accident. Without this additional coverage, medical bills and payments could reach well into the thousands of dollars for those affected by an uninsured driver.

Add-ons, Endorsements, and Riders

No one wants to be in an accident, but if you are, do you have enough protection for you and your family? Have you considered adding extra coverages to your policy? Do you even know what’s out there? Choosing from a list of options can be daunting, and we know you want the best options for your family at the best price.

To help you decide, we’ve made a list of affordable options to add to your policy. Click on the selections below to learn more about them:

Any of the above coverages would be great to add to a policy, so make sure to discuss any options you are interested in with your insurance carrier.

Average Monthly Car Insurance Rates by Age & Gender in VI

According to an article on, women pay $100,000 more for the same products as men do. In fact, gender discrimination in car insurance rates is such a problem that California and other states banned gender discrimination and created gender neutral insurance plans.

Below, we show you rates that various folks in Virginia pay for car insurance.

CompanyMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual RateSingle 17-year old female Annual RateSingle 17-year old male Annual Rate
Allstate P&C$2,042.71$1,927.39$2,031.96$2,031.96$2,657.43$2,658.75$6,396.46$7,347.87
Geico General$1,474.02$1,470.60$1,398.20$1,398.20$1,714.05$1,694.63$3,138.15$4,204.21
Nationwide P&C$1,434.40$1,443.10$1,272.72$1,307.89$1,582.01$1,722.41$3,416.59$4,404.98
Progressive Advanced$1,253.97$1,191.17$1,132.78$1,136.43$1,518.75$1,551.92$5,745.36$6,458.02
State Farm Mutual Auto$1,391.16$1,391.16$1,254.98$1,254.98$1,572.89$1,810.26$4,201.32$5,274.60
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As you can see, in some cases, teen drivers pay thousands more than older drivers do for car insurance. Rates are somewhat consistent with male and female teen drivers, as, on average, each company has close to a $3000 spread from lowest to highest on yearly premiums. Unfortunately, for parents, those rates are thousands higher than what they pay.

Highest and Lowest Rates by ZIP Code

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In addition to gender and age, where you live can affect your car insurance rates. We’ve collected data on the least and most expensive ZIP codes, so search to see where your ZIP code lands on the list. You’ll also see providers’ costs next to your ZIP code, providing a helpful snapshot into what you should be paying.

Cheapest ZIP Codes in Virginia CityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
22802HARRISONBURG$2,031.22Allstate$3,017.99Progressive$1,930.39USAA$1,624.96State Farm$1,805.27
22815BROADWAY$2,034.01Allstate$3,017.99Progressive$2,048.27USAA$1,624.96State Farm$1,704.15
22840MC GAHEYSVILLE$2,036.30Allstate$2,998.27Progressive$1,964.11USAA$1,624.96State Farm$1,821.75
22834LINVILLE$2,037.09Allstate$3,017.99Progressive$2,103.54USAA$1,624.96State Farm$1,667.35
22853TIMBERVILLE$2,038.95Allstate$3,017.99Progressive$2,131.25USAA$1,624.96State Farm$1,650.81
24416BUENA VISTA$2,039.40Allstate$3,002.04Progressive$2,080.60USAA$1,638.89Nationwide$1,646.95
22833LACEY SPRING$2,041.03Allstate$2,998.27Progressive$2,007.60USAA$1,624.96State Farm$1,806.66
24073CHRISTIANSBURG$2,042.79Allstate$3,021.92State Farm$2,045.19GEICO$1,665.52USAA$1,681.92
22812BRIDGEWATER$2,043.31Allstate$3,046.63Progressive$1,993.75USAA$1,624.96State Farm$1,785.82
22801HARRISONBURG$2,044.17Allstate$3,046.63Progressive$1,953.86USAA$1,624.96State Farm$1,830.88
22939FISHERSVILLE$2,044.69Allstate$3,046.63Progressive$2,027.19USAA$1,623.59State Farm$1,803.71
24471PORT REPUBLIC$2,046.56Allstate$3,046.63Progressive$1,992.42USAA$1,624.96State Farm$1,806.66
22821DAYTON$2,046.69Allstate$3,046.63Progressive$1,993.64USAA$1,624.96State Farm$1,806.25
22841MOUNT CRAWFORD$2,048.17Allstate$3,046.63Progressive$1,957.50USAA$1,624.96State Farm$1,851.24
22830FULKS RUN$2,048.95Allstate$3,017.99Progressive$2,081.09USAA$1,624.96State Farm$1,760.97
22848PLEASANT VALLEY$2,049.22Allstate$3,017.99Progressive$2,037.02USAA$1,624.96State Farm$1,806.66
22803HARRISONBURG$2,050.19Allstate$3,017.99Progressive$2,029.09USAA$1,638.73State Farm$1,806.66
22811BERGTON$2,050.97Allstate$3,017.99Progressive$2,086.55USAA$1,624.96State Farm$1,767.64
24486WEYERS CAVE$2,055.76Allstate$3,046.63Progressive$2,023.71USAA$1,639.53Nationwide$1,845.67
22824EDINBURG$2,056.80Allstate$3,017.99Progressive$1,984.59USAA$1,629.62State Farm$1,826.20
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The next table shows the most expensive ZIP codes.

Most Expensive ZIP Codes in Virginia CityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
22041FALLS CHURCH$2,857.11Allstate$4,305.77State Farm$3,156.56GEICO$2,141.17USAA$2,206.52
22311ALEXANDRIA$2,838.20Allstate$4,184.46State Farm$3,141.18GEICO$2,141.17USAA$2,206.52
22309ALEXANDRIA$2,806.21Allstate$4,184.46State Farm$2,940.41USAA$2,251.53GEICO$2,351.37
23222RICHMOND$2,800.69Allstate$3,544.83State Farm$3,154.85USAA$2,137.93Nationwide$2,628.11
22153SPRINGFIELD$2,797.16Allstate$4,231.92State Farm$2,879.87USAA$2,060.19GEICO$2,351.37
22060FORT BELVOIR$2,794.01Allstate$4,184.46State Farm$2,917.93USAA$2,057.33GEICO$2,351.37
22079LORTON$2,786.19Allstate$4,348.02State Farm$2,857.77USAA$2,121.40GEICO$2,351.37
22044FALLS CHURCH$2,777.26Allstate$4,077.51State Farm$2,967.14GEICO$2,141.17USAA$2,208.46
22103WEST MCLEAN$2,771.74Allstate$4,110.52Progressive$2,848.04USAA$2,170.66GEICO$2,403.36
22304ALEXANDRIA$2,762.26Allstate$4,184.46State Farm$2,835.49USAA$2,155.94GEICO$2,352.28
23223RICHMOND$2,748.67Allstate$3,590.82State Farm$3,024.32USAA$2,150.45GEICO$2,450.18
23224RICHMOND$2,747.43Allstate$3,411.84State Farm$2,883.68USAA$2,103.14Nationwide$2,628.11
22039FAIRFAX STATION$2,744.30Allstate$4,023.95State Farm$2,931.58GEICO$2,098.38USAA$2,114.40
22191WOODBRIDGE$2,741.58Allstate$4,042.10State Farm$2,784.49USAA$2,135.48Nationwide$2,235.10
22204ARLINGTON$2,741.36Allstate$4,184.46State Farm$2,721.45USAA$2,138.14GEICO$2,352.28
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Highest and Lowest Rates by City

We’ve also collected data on car insurance rates by city. Below are lists of the least expensive and most expensive cities for car insurance.

Cheapest Cities in Virginia Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
East Lexington$2,018.13Allstate$3,002.04Progressive$2,054.03USAA$1,638.89Nationwide$1,646.95
Broadway$2,034.01Allstate$3,017.99Progressive$2,048.27USAA$1,624.96State Farm$1,704.15
Massanutten$2,036.30Allstate$2,998.27Progressive$1,964.11USAA$1,624.96State Farm$1,821.75
Linville$2,037.09Allstate$3,017.99Progressive$2,103.54USAA$1,624.96State Farm$1,667.35
Timberville$2,038.95Allstate$3,017.99Progressive$2,131.25USAA$1,624.96State Farm$1,650.81
Fishersville$2,039.10Allstate$3,046.63Progressive$1,949.82USAA$1,631.56State Farm$1,839.59
Buena Vista$2,039.40Allstate$3,002.04Progressive$2,080.60USAA$1,638.89Nationwide$1,646.95
Lacey Spring$2,041.03Allstate$2,998.27Progressive$2,007.60USAA$1,624.96State Farm$1,806.66
Christiansburg$2,042.79Allstate$3,021.92State Farm$2,045.19GEICO$1,665.52USAA$1,681.92
Bridgewater$2,043.31Allstate$3,046.63Progressive$1,993.75USAA$1,624.96State Farm$1,785.82
Port Republic$2,046.56Allstate$3,046.63Progressive$1,992.42USAA$1,624.96State Farm$1,806.66
Dayton$2,046.69Allstate$3,046.63Progressive$1,993.64USAA$1,624.96State Farm$1,806.25
Mount Crawford$2,048.17Allstate$3,046.63Progressive$1,957.50USAA$1,624.96State Farm$1,851.24
Fulks Run$2,048.95Allstate$3,017.99Progressive$2,081.09USAA$1,624.96State Farm$1,760.97
Pleasant Valley$2,049.22Allstate$3,017.99Progressive$2,037.02USAA$1,624.96State Farm$1,806.66
Bergton$2,050.97Allstate$3,017.99Progressive$2,086.55USAA$1,624.96State Farm$1,767.64
Harrisonburg$2,053.51Allstate$3,078.46Progressive$1,989.72USAA$1,631.85State Farm$1,812.37
Weyers Cave$2,055.76Allstate$3,046.63Progressive$2,023.71USAA$1,639.53Nationwide$1,845.67
Edinburg$2,056.80Allstate$3,017.99Progressive$1,984.59USAA$1,629.62State Farm$1,826.20
Mount Sidney$2,057.62Allstate$3,046.63Progressive$2,040.34USAA$1,639.53Nationwide$1,845.67
Woodstock$2,057.97Allstate$3,017.99Progressive$2,008.08USAA$1,629.62State Farm$1,809.79
Stuarts Draft$2,058.53Allstate$2,998.27Progressive$2,130.48USAA$1,623.59State Farm$1,831.82
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East Lexington has the cheapest rates for car insurance.

Most Expensive Cities in Virginia Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Bailey's Crossroads$2,857.10Allstate$4,305.77State Farm$3,156.56GEICO$2,141.17USAA$2,206.52
Kings Park$2,855.78Allstate$4,388.84Progressive$2,953.33USAA$2,169.90GEICO$2,352.28
Mount Vernon$2,806.21Allstate$4,184.46State Farm$2,940.41USAA$2,251.53GEICO$2,351.37
Fort Belvoir$2,794.01Allstate$4,184.46State Farm$2,917.93USAA$2,057.33GEICO$2,351.37
East Highland Park$2,774.68Allstate$3,567.82State Farm$3,089.59USAA$2,144.19GEICO$2,550.75
West Mclean$2,771.74Allstate$4,110.52Progressive$2,848.04USAA$2,170.66GEICO$2,403.36
Crosspointe$2,765.25Allstate$4,185.98State Farm$2,894.67USAA$2,117.90GEICO$2,224.88
Cherry Hill$2,740.66Allstate$4,020.42Progressive$2,847.16USAA$2,116.97Nationwide$2,235.10
Dale City$2,730.84Allstate$4,082.65State Farm$2,867.49USAA$2,121.54Nationwide$2,235.10
Huntington$2,730.54Allstate$4,184.46State Farm$2,786.50USAA$2,109.02GEICO$2,175.74
Triangle$2,705.49Allstate$4,092.12State Farm$2,704.39USAA$2,137.00Nationwide$2,235.10
Alexandria$2,696.83Allstate$4,218.44State Farm$2,683.58GEICO$2,097.78USAA$2,132.32
Fort Hunt$2,695.93Allstate$4,184.46State Farm$2,731.27GEICO$2,005.71USAA$2,243.43
County Center$2,689.81Allstate$4,042.10State Farm$2,635.19USAA$2,162.77Nationwide$2,235.10
Great Falls$2,686.17Allstate$4,061.45Progressive$2,571.77USAA$2,188.17Nationwide$2,327.14
Fair Lakes$2,680.83Allstate$4,079.29Progressive$2,709.26GEICO$2,098.38USAA$2,107.08
Greenway$2,677.88Allstate$4,061.45State Farm$2,570.86GEICO$2,167.21USAA$2,170.66
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As you can see from the tables, where you live can impact your wallet when purchasing auto insurance. Folks in rural areas pay hundreds less than those in a major city like Mount Vernon.

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The Best Virginia Car Insurance Companies

Can you really save money with a 15-minute phone call? We’ve heard this and other funny commercials from insurance companies so often we can sing their jingles by heart.

Car insurance is mandatory in all states except one, New Hampshire, so why do insurance providers spend so much on advertising and trying to be funny? Are they hiding something? What’s really behind the catchy jingles of most insurance companies?

But who wants to spend time doing all of that searching? That’s why we’ve done all of the work for you and researched the best insurance carriers in Virginia so that you can make the best choice for your situation. We’ve looked at companies’ financial ratings, AM’s best ratings, and which companies have the most complaints.
We can even show you which companies dominate the market.

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Keep reading to learn about Virginia’s auto insurance providers.

The Largest Companies’ Financial Ratings

If you recall, loss ratios play a large part in how secure a company is doing financially. That’s why we want to include AM Best ratings, which look at loss ratios to determine if a company has solid financial security.

So to see how the ten largest companies in Virginia are doing, we’ve included the AM Best ratings for each.

Company AM Best Rating Direct Premiums Written Loss RatioMarket Share
USAA GroupA++$717,32574.59%13.21%
Travelers GroupA++$120,56560.00%2.22%
Allstate Insurance GroupA+$523,32554.37%9.64%
Progressive GroupA+$492,05264.82%9.06%
Nationwide Corp GroupA+$426,05259.34%7.85%
Erie Insurance GroupA+$205,96469.19%3.79%
State Farm GroupA$923,98966.23%17.01%
Liberty Mutual GroupA$154,40555.65%2.84%
Virginia Farm Bureau GroupA-$115,61259.08%2.13%
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Companies with the Best Ratings

A good financial rating means the provider has the funds available to pay any claims. But customer service is also an important part of any company, from restaurants to car insurance companies. That’s why we’ve looked at companies with the best customer satisfaction ratings.

Allstate ranks near the top of the list — showing that Allstate is excellent at customer satisfaction.

Just because a company has a good rating for financial stability doesn’t mean their customers are always happy.

Let’s check out their record of official complaints.

Companies with the Most Complaints in Virginia

Keep in mind that a high complaint index doesn’t necessarily mean you should avoid a company. Make sure to also look at a company’s customer satisfaction ratings because how a company deals with complaints is also important.

Company Total Complaints 2017Complaint Ratio 2017
Liberty Mutual Group2225.95
Progressive Group1200.75
Erie Insurance Group220.70
Virginia Farm Bureau Group10.69
Allstate Insurance Group1630.50
State Farm Group1,4820.44
Nationwide Corp Group250.28
Travelers Group20.09
USAA Group20.00
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If a car insurance company’s complaint index is lower than one, they are better than the average. If the index is higher than one, they are worse than the average. Progressive and Liberty Mutual have the highest complaint ratios out of the top ten largest companies.

Cheapest Companies in Virginia

Nobody wants to be considered cheap, but when it comes to car insurance, finder cheaper rates is something everyone wants. In order to save you money, make sure you are shopping around for rates. The table and chart below display the top carriers in Virginia with their average rate for all drivers and compares it to the state average of all companies.

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CompanyAverage Annual RateCompared to State Average (+/-)Compared to State Average (%)
Allstate P&C$3,386.82$1,028.9530.38%
Progressive Advanced$2,498.55$140.685.63%
State Farm Mutual Auto$2,268.92-$88.94-3.92%
Nationwide P&C$2,073.01-$284.86-13.74%
Geico General$2,061.51-$296.36-14.38%
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Looking at different companies can save a lot of money. For example, Geico is $285 BELOW the state average, which, over time, could add up to thousands of dollars saved.

Commute Rates

At some companies, how far you drive each day influences your insurance rates. Beyond location, gender, age, marital status, and carrier, other factors that affect your quoted rates from each company are those that are specific to your situation such as how much coverage you want, credit history, and driving record.

The tables below compare such factors based on each carrier.

GroupCommute and Annual MileageAnnual Average
Allstate25 miles commute. 12000 annual mileage.$3,489.78
Allstate10 miles commute. 6000 annual mileage.$3,283.86
Progressive10 miles commute. 6000 annual mileage.$2,498.55
Progressive25 miles commute. 12000 annual mileage.$2,498.55
State Farm25 miles commute. 12000 annual mileage.$2,324.61
State Farm10 miles commute. 6000 annual mileage.$2,213.23
Geico25 miles commute. 12000 annual mileage.$2,100.03
Nationwide10 miles commute. 6000 annual mileage.$2,073.01
Nationwide25 miles commute. 12000 annual mileage.$2,073.01
Geico10 miles commute. 6000 annual mileage.$2,022.99
USAA25 miles commute. 12000 annual mileage.$1,926.95
USAA10 miles commute. 6000 annual mileage.$1,789.83
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Most company rates don’t change when the drive is shortened to a 10-mile commute, except for Allstate, who offers rate reductions over $200.

Companies generally don’t charge much more for commute distance. They do, however, increase their rates drastically for some other factors.

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Up next, a break-down of coverage level rates in Virginia.

Coverage Level Rates

Do you want better coverage? You might have to pay more. But don’t let higher rates discourage you from purchasing better coverage, as some companies have economical increases in rates.

GroupCoverage TypeAnnual Average
State FarmHigh$2,405.83
State FarmMedium$2,265.45
State FarmLow$2,135.49
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For example, the data above shows multiple providers have less than $300 increases from low to high coverage.

Credit History Rates by Companies

The quality of your credit score impacts your insurance rates. In Virginia, the average credit score is 680, which is slightly above the countrywide average of 675. This means motorists have an excellent chance of getting great rates because of their above-average credit scores.

The table below shows what you can expect to pay yearly on car insurance based on your credit history.

GroupCredit HistoryAnnual Average
State FarmPoor$3,226.59
State FarmFair$2,000.23
State FarmGood$1,579.95
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If you have insurance through Allstate and have poor credit, you can expect to pay nearly $1400 more for car insurance than someone with good credit.

Driving Record Rates

A clean driving record is the EASIEST way to keep rates down. As you can see from the information below, at Nationwide, just one speeding violation can raise your rate by over $250.

GroupDriving RecordAnnual Average
AllstateWith 1 accident$4,044.27
AllstateWith 1 DUI$3,705.98
AllstateWith 1 speeding violation$3,264.59
GeicoWith 1 DUI$3,083.13
ProgressiveWith 1 accident$2,827.50
NationwideWith 1 DUI$2,641.55
ProgressiveWith 1 DUI$2,547.17
AllstateClean record$2,532.44
ProgressiveWith 1 speeding violation$2,484.88
USAAWith 1 DUI$2,468.83
State FarmWith 1 accident$2,466.65
State FarmWith 1 DUI$2,268.92
State FarmWith 1 speeding violation$2,268.92
ProgressiveClean record$2,134.65
State FarmClean record$2,071.20
NationwideWith 1 speeding violation$2,045.46
GeicoWith 1 accident$2,032.40
USAAWith 1 accident$1,869.24
NationwideClean record$1,802.52
NationwideWith 1 accident$1,802.52
USAAWith 1 speeding violation$1,656.09
GeicoClean record$1,565.25
GeicoWith 1 speeding violation$1,565.25
USAAClean record$1,439.41
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A better record equals better rates. We encourage you to obey posted speed limit signs and NOT drink and drive.

Number of Property and Casualty Insurance Companies in Virginia

Domestic insurance means a company is formed under Virginia’s state laws, whereas a foreign provider is formed under the laws of any state in the country.

  • Domestic Insurers: 19
  • Foreign Insurers: 908

Laws in Virginia

“Honey, I’m going to go wash the mule,” is something not many of us have ever said before. We’ve heard of washing your car, but what about washing a mule? Maybe in the 1800s. But in Virginia, it is illegal to wash a mule on a sidewalk. What are they afraid of–hoof prints in the hopscotch game?

We know, state laws are odd and sometimes confusing and vary from state to state. New residents may receive tickets for laws they didn’t know existed.

Next, we help you uncover what the laws are, so check out our roundup of Virginia’s driving laws.

Virginia’s Car Insurance Laws

Insurance companies are subject to specific rules and regulations.

Let’s look at some of the specific laws for consumers regarding car insurance.

Windshield Coverage

Has something bounced off the road and fractured your windshield? In Virginia, if the crack meets any of the standards below, it must be repaired.

  • A scratch greater than six inches by 1/4 inch in the area cleared by windshield wipers
  • A crack above the bottom three inches of the windshield that is larger than 1 by 1/2 inches in diameter
  • Multiple cracks in the same area if any crack is longer than 1 to 1/2 inches long
  • Multiple cracks in the same area if above bottom three inches of the windshield

High-Risk Insurance

If you have a bad driving record, it may be challenging to find an insurance company that is willing to insure you as a driver. Luckily, in most states, insurance companies have made programs available to provide affordable coverage for those who are high-risk drivers.

According to Virginia’s DMV, the following are reasons you may need to fill out an SR-22 Form:

  • Unsatisfied judgements
  • Uninsured motor vehicle suspension
  • Failure to provide proof of insurance associated with insurance monitoring
  • Falsifying insurance certification
  • Driver license suspension as a result of a conviction for:
    • Voluntary or involuntary manslaughter resulting from the operation of a motor vehicle.
    • Perjury, making a false affidavit to DMV regarding the registration of motor vehicles or making a false statement on any driver’s license application.
    • Any crime punishable as a felony under the motor vehicle law or any felony in the commission of which a motor vehicle is used.
    • Failure of a driver of a motor vehicle, involved in an accident resulting in death or injury to another person, to stop and disclose his identity at the scene of the accident.
    • Operating or permitting the operation, for a second time, of a passenger automobile for transportation of passengers for rent or for hire, without a license.

If motorists are convicted of driving under the influence or driving with a suspended license because of a conviction, they must fill out an FR-44 and purchase insurance that is higher than the minimum amounts.

Low-Cost Insurance

Some states have programs set up for those who receive benefits from government assistance programs, or those who have a combined family income that is below the poverty level. Unfortunately, Virginia has no such plan in place. In order to obey the law, you must carry the minimum liability coverage.

Automobile Insurance Fraud in Virginia

What is automobile insurance fraud?

  • Creating a claim for damages or injuries that NEVER occurred (such as faking an accident)
  • Adding “extra” costs onto a claim that is legitimate

In 2018, the Virginia State Police Insurance Fraud Program created a report on insurance fraud in Virginia. A total of 82 arrests were made, and below you will see the number of notifications the police department received for automobile fraud.

  1. Property Fraud – 931
  2. Injury/Casualty Fraud – 188

Committing insurance fraud can result in fines and/or jail time.

Statute of Limitations

If you are in a car accident in Virginia, there is a statute of limitations if you want to file a claim.

Below, you will see Virginia’s statute of limitations.

Virginia Statute Of LimitationsYears
Personal Injury2 Years
Property Damage5 Years
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Virginia Unique State Laws

Unlike other states, in Virginia, it is against the law to have any type of device designed to prevent or evade detection by the police. Radar detectors must be completely inaccessible to drivers (such as stored in the trunk of a car) and police officers can fine you even if it’s turned off or broken

Another law unique to Virginia is an unfair claim settlement law, which means insurers are legally required to disclose all information on policies. This ensures that insurers don’t “forget” benefits when you file a claim. This law also prevents insurers from ignoring your claim or refusing to pay reasonable claims. While insurers are ethically required to follow these practices anyways, the law places extra emphasis on these guidelines.

Virginia’s Vehicle Licensing Laws

Virginia, just like every other state, has mandatory licensing laws in addition to the statute of limitations and car insurance laws, which we previously covered.


Virginia is in full compliance with the REAL ID Act passed by Congress and enforced by Homeland Security. This means that a driver’s license or state ID issued by the Old Dominion State is an acceptable form of identification at federal facilities, airports, and nuclear power plants.

As of October 1, 2020, anyone wishing to fly on a commercial flight or enter a federal facility must have a REAL ID-compliant form of identification.

Penalties For Driving Without Insurance

Drivers may drive while uninsured if they have paid the yearly UMV fee for driving uninsured. If you haven’t paid the UMV fee and don’t have the minimum liability insurance, you will receive an intent to suspend car registration letter.

Proof of financial responsibility must be provided anytime you are pulled over in a traffic stop, register a vehicle, or are in an accident. Below, are the acceptable forms of proof of financial responsibility.

  • Valid Insurance ID Card
  • Proof that you paid the UMV fee

Virginia also has an electronic verification system that authorities use to check the status of vehicles.

Teen Driver Laws

To begin driving in Virginia, teens must be 15 and a half to apply for a learner’s license. Before teens can apply for a regular license or a restricted license, the Insurance Institute for Highway Safety (IIHS) specifies that teens must meet the requirements below.

License or Restricted License RequirementsDetails
Mandatory Holding Period 9 months
Minimum Supervised Driving Time 45 hours (15 of which must be at night)
Minimum Age 16 years and 3 months
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Older Driver License Renewal Procedures

Older drivers in Virginia have different license renewal procedures than the general population. Drivers 75 and older must follow the requirements listed below.

  • License Renewal Cycle — Every five years
  • Proof of Adequate Vision — Required at every renewal
  • Mail or Online Renewal — Not permitted

Older drivers must visit in person every five years and provide proof of adequate vision at every license renewal.

New Residents

Considering a move to Virginia? You need to make sure their insurance is updated to meet Virginia’s minimum liability insurance. To do so, new residents will need to contact their current insurance provider to provide updated address information.

Providers will make sure new residents have the proper coverage in the amounts below, as well as providing updated insurance ID cards.

  • Bodily Injury: $25,000 per person and $50,000 per accident
  • Property Damage: $20,000 per accident
  • Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident
  • Uninsured Motorist Property Damage: $20,000 per accident with a $200 deductible for hit-and-run accidents

New residents may choose to opt out coverage, but need to pay the $500 UMV fee. This option is riskier because motorists will still be held liable for any accident costs and will have to cover all the bills themselves.

License Renewal Procedures

For the general population, license renewal procedures are fairly basic. Generally, the DMV will notify drivers well before their licenses expire, so that drivers have time to plan a trip to the DMV and prepare the necessary paperwork.

  • License Renewal Cycle — Every eight years
  • Proof of Adequate Vision — Required when renewing in person
  • Mail or Online Renewal — Both permitted, every other renewal

Virginia’s licensing system means that drivers can go 16 years without an in-person trip to the DMV! This is quite a bit longer than most states. Just make sure to have proof of adequate vision ready when renewing in-person.

Comparative Negligence

Virginia is one of the few states that still observes contributory negligence laws. Contributory negligence only allows damages if one party wasn’t any way responsible for the accident. Comparative negligence allows both parties to be found at fault, and any compensation that is awarded is determined based on the degree of fault.

Virginia Rules of the Road

We all should obey the rules, but if you’re new to the state, there may be laws you’re unfamiliar with. That’s why we’ve assembled a list of several relevant laws to help keep you in good standing and on the road.

Fault vs. No-Fault

Virginia is a fault-based state, which means if you are the cause of a car accident, you are responsible for any damage caused.

Seat Belt and Car Seat Laws

All passengers in the front seat of a vehicle driven in Virginia must be wearing a seat belt. Additionally, children 18 years and younger are required to be properly restrained no matter where they are sitting.

Currently, passengers 16 and under are not allowed to ride in the cargo areas of pickup trucks.

Keep Right and Move Over Laws

Virginia traffic laws mandate that you must keep right when traveling slower than the average speed of traffic around you. Generally, the right lane is for faster traffic and passing.

Speed Limits

Maximum posted speed limits are 70 mph on rural interstates, 70 mph on urban interstates, 65 mph on limited access roads and 55 mph on all other roads.


Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance that meets the minimum requirements. However, if drivers wish to purchase a commercial insurance policy, these are the companies who provide coverage.

  • Allstate
  • Erie
  • Geico
  • Liberty Mutual

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

Currently, Virginia has no restrictions on autonomous vehicles.

Safety Laws

Up next, we take a closer look at the safety laws in Virginia so that you can arrive alive. Please don’t drink and drive.

DUI Laws

Driving while impaired has disastrous results for everyone involved, that’s why strict laws are in place to prevent such tragedies. In Virginia alone, drunk driving caused 246 deaths in 2017. Each state differs in how they address drunk driving and therefore have different penalties.

Below, we’ve listed the details about Virginia’s impaired driving laws.

BAC Limit High BAC Limit Criminal Status by Offense Formal Name for Offense Look Back/Washout Period
0.080.15; 0.21st-2nd class 1 misdemeanors
3rd+ in 10 years class 6 felony
Driving Under the Influence (DUI)10 years
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The penalties get worse with each subsequent offense.

Offense License Suspension Fine Jail Time IID Lock Other
1st 1 year (restricted permit possible)$250 mandatory minimumUp to 1 year
Mandatory 5 days if BAC 0.15-0.19
Mandatory 20 days if BAC .20+
Required if BAC 0.15+VA Alcohol Safety Action Program (VASAP) required
2nd 3 years (restricted permit possible)$500 mandatory minimumUp to 1 year
Within 5 years 1st offense, mandatory 20 day minimum
Within 10 years 1st offense, mandatory 10 additional days
If BAC .20+ mandatory 20 additional days
Required VASAP required
3rdIndefinite (but can petition court after 5 years) $1,000 mandatory minimum1-5 years
Within 5 years of 1st offense, 6 month mandatory minimum
Within 10 years of 1st offense, 90 day mandatory minimum
RequiredVASAP required. Possible vehicle seizure
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Drivers convicted of a DUI must also fill out an FR-44 form. This form requires drivers to purchase liability insurance that is higher than Virginia’s required minimum amounts. Please don’t drink and drive.

Marijuana-Impaired Driving Laws

Virginia currently has no marijuana-specific impaired driving laws.

Distracted Driving Laws

Text messaging and emailing while driving is prohibited for all drivers.

Driving in Virginia

Now that you have a good understanding of Virginia state laws, let’s dive into some facts that you might not know. While insurance is essential, it’s also crucial to know what to keep your eyes out for on the road.

Vehicle Theft in Virginia

Believe it or not, over 4,428 vehicle thefts occurred in 2016 alone in Virginia. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more frequently, and thus, may have higher insurance rates.

Here’s a list of the top ten stolen vehicles in Virginia.

Vehicle Make and Model Vehicle Year Total Thefts
Honda Accord2002266
Ford Pickup (Full Size)2004205
Honda Civic2013200
Toyota Camry2014181
Nissan Altima2015162
Chevrolet Pickup (Full Size)2003144
Toyota Corolla2013140
Ford Explorer2002119
Jeep Cherokee/Grand Cherokee2001107
Chevrolet Impala2006105
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Vehicle Theft by City

Where you live also plays a role in the number of vehicle thefts. The FBI created a 2013 report on Virginia’s vehicle thefts by cities, which are listed below.

Big Stone Gap6
Bowling Green0
Buena Vista1
Cape Charles1
Chase City0
Clifton Forge4
Colonial Beach11
Colonial Heights18
Fairfax City23
Falls Church7
Front Royal25
Gate City2
Glen Lyn1
La Crosse0
Manassas Park14
Mount Jackson0
New Market1
Newport News344
Pennington Gap0
Rich Creek0
Rocky Mount4
Rural Retreat0
South Boston10
South Hill2
Stephens City3
St. Paul1
Virginia Beach445
Weber City1
West Point2
White Stone0
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Road Fatalities in Virginia

Accidents happen, and next, we’re going to show you statistics for different kinds of accidents in Virginia.

Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
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As you can see, most accidents occur during daylight hours.

Fatalities (All Crashes) by County

Here are the Virginia counties with the most fatalities over the past five years.

County 20132014201520162017
Accomack County810683
Albemarle County111615912
Alexandria City30444
Alleghany County45342
Amelia County41357
Amherst County48654
Appomattox County24132
Arlington County28515
Augusta County17991918
Bath County11011
Bedford City00000
Bedford County9761417
Bland County11112
Botetourt County45844
Bristol City21000
Brunswick County119675
Buchanan County73636
Buckingham County111287
Buena Vista City00000
Campbell County497118
Caroline County14110127
Carroll County114768
Charles City County03340
Charlotte County32760
Charlottesville City10020
Chesapeake City119181918
Chesterfield County2619282534
Clarke County01733
Clifton Forge City00000
Colonial Heights City00151
Covington City11000
Craig County40200
Culpeper County99655
Cumberland County41114
Danville City62344
Dickenson County22311
Dinwiddie County831099
Emporia City11000
Essex County15333
Fairfax City20040
Fairfax County4033313434
Falls Church City00000
Fauquier County6919159
Floyd County43311
Fluvanna County63706
Franklin City00020
Franklin County8771612
Frederick County119131022
Fredericksburg City20212
Galax City00100
Giles County59415
Gloucester County34557
Goochland County53925
Grayson County13330
Greene County23103
Greensville County27252
Halifax County389129
Hampton City910888
Hanover County131715813
Harrisonburg City10141
Henrico County2418182124
Henry County1013161313
Highland County01010
Hopewell City12100
Isle Of Wight County79244
James City County858415
King And Queen County12324
King George County811569
King William County33133
Lancaster County41243
Lee County42753
Lexington City20000
Loudoun County1312111221
Louisa County1236107
Lunenburg County33135
Lynchburg City13212
Madison County11313
Manassas City00002
Manassas Park City00000
Martinsville City10000
Mathews County61122
Mecklenburg County1196810
Middlesex County12212
Montgomery County946513
Nelson County42704
New Kent County48853
Newport News City1011151716
Norfolk City2521151819
Northampton County13393
Northumberland County22121
Norton City10000
Nottoway County34553
Orange County86668
Page County12343
Patrick County64416
Petersburg City23062
Pittsylvania County816191414
Poquoson City00200
Portsmouth City355813
Powhatan County75414
Prince Edward County64757
Prince George County1061336
Prince William County1823113022
Pulaski County49229
Radford City01102
Rappahannock County00003
Richmond City129131621
Richmond County01141
Roanoke City674912
Roanoke County941058
Rockbridge County29798
Rockingham County1218101212
Russell County41968
Salem City10102
Scott County33324
Shenandoah County74764
Smyth County54433
South Boston City (No Longer A County Equivalent)00000
Southampton County94524
Spotsylvania County1111111412
Stafford County851599
Staunton City10110
Suffolk City141215718
Surry County11231
Sussex County043813
Tazewell County64535
Virginia Beach City2729161925
Warren County58476
Washington County68968
Waynesboro City21111
Westmoreland County03502
Williamsburg City00000
Winchester City00110
Wise County85461
Wythe County4414610
York County45595
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Fatalities by Roadway

Next, we have a 10-year comparison of traffic fatalities on urban vs. rural roadways.

Road Type 2008200920102011201220132014201520162017
Total 825758740764776740703754760839
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Fatalities by Person Type

Person Type 20132014201520162017
Passenger Car331299323308320
Light Truck - Pickup878610382111
Light Truck - Utility996810388111
Light Truck - Van3223243032
Light Truck - Other00160
Large Truck2422192518
Other/Unknown Occupants110885
Total Motorcyclists79907979117
Bicyclist and Other Cyclist812151012
Other/Unknown Nonoccupants34222
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The type of crash can also play a role in fatality rates.

Crash Type20132014201520162017
(1) Single Vehicle461436474476493
(2) Involving a Large Truck8990719198
(3) Involving Speeding13299105257219
(4) Involving a Rollover188146194163186
(5) Involving a Roadway Departure498443492444511
(6) Involving an Intersection (or Intersection Related)138164170177189
Total Fatalities (All Crashes)740703754760839
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Five-Year Trend for the Top 10 Counties

County 20132014201520162017
Chesterfield County2619282534
Fairfax County4033313434
Virginia Beach City2729161925
Henrico County2418182124
Frederick County119131022
Prince William County1823113022
Loudoun County1312111221
Richmond City129131621
Norfolk City2521151819
Augusta County17991918
All Other Counties522493559541599
All Counties Total 740703754759839
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Fatalities Involving Speeding by County

Accomack County10132
Albemarle County20122
Alexandria City00112
Alleghany County01210
Amelia County11035
Amherst County11121
Appomattox County00010
Arlington County01200
Augusta County33355
Bath County00000
Bedford City00000
Bedford County20086
Bland County10000
Botetourt County00020
Bristol City10000
Brunswick County12022
Buchanan County31412
Buckingham County13061
Buena Vista City00000
Campbell County03154
Caroline County10072
Carroll County21003
Charles City County00120
Charlotte County10020
Charlottesville City00010
Chesapeake City20256
Chesterfield County238148
Clarke County00011
Clifton Forge City00000
Colonial Heights City00010
Covington City00000
Craig County00000
Culpeper County10010
Cumberland County01003
Danville City10001
Dickenson County21101
Dinwiddie County20123
Emporia City10000
Essex County01010
Fairfax City00010
Fairfax County9781214
Falls Church City00000
Fauquier County11262
Floyd County00000
Fluvanna County00200
Franklin City00000
Franklin County00043
Frederick County20214
Fredericksburg City00010
Galax City00000
Giles County11100
Gloucester County00211
Goochland County00500
Grayson County00010
Greene County11000
Greensville County00021
Halifax County01032
Hampton City23312
Hanover County20154
Harrisonburg City00001
Henrico County31160
Henry County02246
Highland County00000
Hopewell City00000
Isle Of Wight County22001
James City County10013
King And Queen County01002
King George County02035
King William County00021
Lancaster County00012
Lee County12120
Lexington City00000
Loudoun County322510
Louisa County31073
Lunenburg County11021
Lynchburg City00001
Madison County00001
Manassas City00000
Manassas Park City00000
Martinsville City10000
Mathews County00000
Mecklenburg County20123
Middlesex County01000
Montgomery County11205
Nelson County00201
New Kent County40130
Newport News City13576
Norfolk City75320
Northampton County00101
Northumberland County00010
Norton City00000
Nottoway County00032
Orange County11020
Page County00032
Patrick County00100
Petersburg City10020
Pittsylvania County21144
Poquoson City00000
Portsmouth City02041
Powhatan County10001
Prince Edward County00024
Prince George County00001
Prince William County462149
Pulaski County10001
Radford City00000
Rappahannock County00001
Richmond City20152
Richmond County00011
Roanoke City20423
Roanoke County31022
Rockbridge County02031
Rockingham County55254
Russell County10211
Salem City00001
Scott County01000
Shenandoah County10022
Smyth County00000
South Boston City (No Longer A County Equivalent)00000
Southampton County21000
Spotsylvania County40345
Stafford County11223
Staunton City00000
Suffolk City62121
Surry County00011
Sussex County01157
Tazewell County10321
Virginia Beach City76286
Warren County00012
Washington County51140
Waynesboro City10000
Westmoreland County00200
Williamsburg City00000
Winchester City00000
Wise County02031
Wythe County02122
York County13021
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Alcohol-Impaired Fatalities by County

Check out the table below to see fatalities in crashes that involved an alcohol-impaired driver with a BAC over .08.

County 20132014201520162017
Accomack County43131
Albemarle County55436
Alexandria City10211
Alleghany County11222
Amelia County10123
Amherst County00121
Appomattox County10020
Arlington County12201
Augusta County53574
Bath County00000
Bedford City00000
Bedford County32476
Bland County10100
Botetourt County41201
Bristol City10000
Brunswick County14100
Buchanan County41121
Buckingham County16262
Buena Vista City00000
Campbell County12164
Caroline County40232
Carroll County22112
Charles City County02120
Charlotte County10130
Charlottesville City00010
Chesapeake City42656
Chesterfield County1188117
Clarke County00100
Clifton Forge City00000
Colonial Heights City00130
Covington City00000
Craig County30200
Culpeper County41121
Cumberland County10002
Danville City10100
Dickenson County20001
Dinwiddie County41231
Emporia City10000
Essex County02022
Fairfax City00010
Fairfax County16104911
Falls Church City00000
Fauquier County23441
Floyd County30101
Fluvanna County42100
Franklin City00000
Franklin County14213
Frederick County41317
Fredericksburg City00011
Galax City00000
Giles County02002
Gloucester County11313
Goochland County32402
Grayson County01030
Greene County10001
Greensville County02011
Halifax County22332
Hampton City45322
Hanover County35533
Harrisonburg City00000
Henrico County108474
Henry County52433
Highland County01000
Hopewell City10100
Isle Of Wight County33122
James City County32219
King And Queen County10002
King George County13141
King William County10011
Lancaster County21021
Lee County30220
Lexington City00000
Loudoun County444211
Louisa County71164
Lunenburg County21103
Lynchburg City00101
Madison County00110
Manassas City00000
Manassas Park City00000
Martinsville City00000
Mathews County10000
Mecklenburg County30044
Middlesex County11100
Montgomery County32204
Nelson County01301
New Kent County22210
Newport News City43655
Norfolk City910536
Northampton County00100
Northumberland County11010
Norton City00000
Nottoway County11110
Orange County51223
Page County01111
Patrick County30201
Petersburg City12030
Pittsylvania County54766
Poquoson City00100
Portsmouth City11135
Powhatan County41101
Prince Edward County22231
Prince George County31311
Prince William County35195
Pulaski County13003
Radford City00000
Rappahannock County00001
Richmond City55563
Richmond County00010
Roanoke City14444
Roanoke County21232
Rockbridge County13212
Rockingham County66134
Russell County10314
Salem City00000
Scott County01120
Shenandoah County10100
Smyth County01201
South Boston City (No Longer A County Equivalent)00000
Southampton County14201
Spotsylvania County26358
Stafford County41314
Staunton City00000
Suffolk City44303
Surry County00110
Sussex County02016
Tazewell County11210
Virginia Beach City1113748
Warren County33221
Washington County21110
Waynesboro City10000
Westmoreland County00201
Williamsburg City00000
Winchester City00000
Wise County22010
Wythe County01512
York County24121
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Teen Drinking and Driving

In 2016, Virginia law enforcement arrested 97 teenagers (under the age of 18) for drunk driving.

This number places Virginia as the 38th worst state in the U.S. for underage drinking and driving.

Below are the facts concerning underage (under 21 years old) drinking-related fatalities:

  • 1.1 fatalities per 100,000 people in Virginia
  • 1.2 fatalities per 100,000 people national average

EMS Response Time

If you or someone you know is in an accident, you want help to arrive as FAST as possible. Check out the response times for emergency personnel in rural and urban areas.

Location of IncidentTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatalities in Crashes
Rural8.44 min12.70 min43.09 min60.04 min447
Urban5.69 min7.93 min29.76 min39.96 min273
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When you drive through your neighborhood, do you ever notice how many cars are sitting in your neighbors’ driveways? Usually, we can tell if someone is visiting by that extra car parked outside the house.

The data for Car Ownership, Commute Time, and Commuter Transportation was sourced from the Census Bureau via

Car Ownership

The average household in Virginia has two cars.

Commute Time

The average commute time in the U.S. is 25.3 minutes. Unfortunately, Virginia’s average commute time is slightly above this at 27 minutes.

Commuter Transportation

In every state, driving alone is the most common commute option, though people are beginning to turn to other commute options like carpooling and working from home.

Traffic Congestion in Virginia

City Hours Lost in Congestion Year over Year Change Cost of Congestion Per Driver Inner City Travel Time (Minutes)Inner City Last Mile Speed (mph)
Norfolk City 566%$781415
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Only Norfolk City made the list of the traffic congestion cities in the state of Virginia.

Now that you’ve read through this comprehensive guide, and know everything there is to know about buying car insurance in Virginia, it’s time to hit the road. Enter your ZIP code below to get a free quote comparison.



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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Virginia
Monthly Virginia Car Insurance Rates by ZIP Code
Virginia Car Insurers by Market Share %
Virginia Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Virginia
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Virginia
Monthly Virginia Car Insurance Rates by ZIP Code
Virginia Car Insurers by Market Share %
Virginia Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Virginia