Compare car insurance quotes in Virginia
Jerry is a free app trusted by 30,697 Virginia drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Virginia car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Virginia, Jerry drivers pay:
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$104 to $214 per month for state-mandated minimum coverage.
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$195 to $421 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Virginians save an average of $428 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Virginia car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Virginia have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Virginia is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Virginia drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in Virginia, shopping around helps you find the right fit.
Jerry helps you find quotes from up to 15 trusted insurers in the Old Dominion state, so you get the full picture of what’s available and how much you should be paying.
Here are some of the most recent quotes Jerry has been able to pull for Virginia drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Virginia
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Virginia car insurance coverage requirements
Virginia drivers have to buy liability insurance coverage before they can legally drive their car. Minimum coverage requirements in this state include:
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$50,000 for bodily injury or death of one person.
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$100,000 for bodily injury or death of two people.
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$25,000 for damage to other people’s property.
Of course, this is just the absolute minimum required if you want to get behind the wheel. If you want to better protect yourself, your car and your assets, you might consider increasing your coverage limits or buying comprehensive and collision coverage, which many Jerry drivers do. Also keep in mind that nearly 13% of Virginia drivers are uninsured; buying uninsured/underinsured motorist (UIM) protection can give you even greater peace of mind.
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Coverage definitions
Factors affecting Virginia car insurance rates in 2026
Coastal storms and flooding
In Tidewater and other low-lying areas, tropical systems can bring flooding, storm surge, and wind-driven debris. Comprehensive coverage is typically what applies to non-collision storm damage, so it’s an important layer if you’re in coastal ZIP codes.
Northern Virginia congestion
I-95, I-495, and the broader Northern Virginia corridor create a steady stream of stop-and-go driving, merges, and rear-end crashes. More claim activity in these corridors often translates into higher premiums, and collision coverage helps pay for repairs after an accident.
Deer strike risk
Deer-related crashes often spike in fall and early winter, especially on darker suburban and rural routes. Animal collisions generally fall under comprehensive coverage, so it’s worth keeping if you drive outside dense metro areas regularly.
Uninsured drivers
About 13% of Virginia drivers are uninsured. UM/UIM coverage helps protect you if you’re hit by a driver who doesn’t have enough insurance to cover injuries or damage.
High-speed rural corridors
Outside the metro regions, Virginia has plenty of higher-speed roads where crashes can be more severe and medical costs can climb quickly. Strong liability limits matter more in these settings because the financial stakes are higher.
Construction zones and toll-road interchanges
Virginia drivers deal with constant roadwork and complex interchanges, especially near major commuter routes. Lane shifts and abrupt slowdowns increase the chance of fender benders, which can affect both short-term costs and long-term premiums.
Average cost of car insurance in major Virginia cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $358 | |
| $322 | |
| $353 | |
| $283 | |
| $314 | |
| $343 | |
| $312 | |
| $322 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Virginia quotes in as little as 2 minutes.
Learn more about driving in Virginia
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What to know about gifting a car in Virginia.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Virginia an at-fault insurance state?
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What happens if I am caught driving without insurance in Virginia?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.