Virginia Auto Insurance
County-by-County Rate Intelligence
Based on real first-party sold policies from our independent agency. No public filings. Just what Virginia drivers actually paid in 2025.
Data: 58 policies • 32 Virginia counties/cities • 42 ZIP codes
Virginia Summary
This Virginia report is built from 59 sold policies across 32 localities during 2024–2025 — including counties and independent cities (Virginia’s unique dual-layer governmental structure). The dataset spans Virginia’s four main insurance market environments: Northern Virginia (Fairfax, Arlington, Alexandria, Loudoun, Prince William), Richmond Metro (Chesterfield, Henrico, Richmond city), Hampton Roads (Virginia Beach, Newport News, Norfolk), and Southwest/Southside Virginia (Henry, Greene, Rockingham, Augusta, Campbell, Lee).
The average monthly premium is $151.29, with a median of $123.00. Virginia’s dataset has the highest single observed premium in this entire multi-state series: $613.76 in York County — a significant outlier that almost certainly reflects an extraordinary risk profile (multiple violations, high-value vehicle, complex coverage situation) and should not be read as typical York County pricing.
Coverage mix reflects Virginia’s specialty market strengths: non-owners leads at 42%, followed by liability-only (29%) and full coverage (14%). The three broad form policies are unique to Virginia (one of few states that allows named-operator broad form). Motorcycle’s 10% share reflects strong two-wheel demand across the state’s varied geography.
🏛️ Virginia’s Independent City System
Virginia is the only state where cities are completely independent of any county — meaning Richmond city, Virginia Beach city, Arlington County, and Fairfax County are all separate governmental units with different tax bases, services, and (to some degree) insurance rate environments. When shopping Virginia insurance, your city or county designation matters for rating purposes. This table includes both counties and independent cities labeled clearly.
Carrier Distribution
Policies by Carrier
| Carrier | Policies | Share |
|---|---|---|
| National General | 21 | 35.6% |
| Dairyland | 21 | 35.6% |
| Progressive | 15 | 25.4% |
| Gainsco | 2 | 3.4% |
Virginia’s carrier mix is our most balanced in the multi-state series. National General and Dairyland share leadership — National General excels for non-owners and specialty liability, Dairyland for motorcycle and broad form. Progressive handles broader risk profiles. Gainsco fills specific high-risk niches.
Coverage Type Mix
Virginia Auto Insurance Rates by County
These numbers reflect sold policy monthly premiums in 2025. Some counties have limited volume, so use this page as directionally helpful data — then compare multiple insurance companies for your exact vehicle, driver history, and coverage.
Chesterfield County Auto Insurance Rates
7 PoliciesAvg Monthly Premium
$108
All coverages (sold policies)
Annual Premium
$1,290
Avg annualized
Liability Only Avg
$138/mo
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$92.09/mo — $137.62/mo | 49% gap
📊 Policy Volume in Chesterfield County
7
Total Policies
4
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)14.3%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)85.7%
Rate Distribution
Lowest Observed Rate$92.09/mo
Highest Observed Rate$137.62/mo
Spread Percentage49%
Carrier Distribution
Most Common CompaniesDairyland, National General
Richmond city Auto Insurance Rates
6 PoliciesAvg Monthly Premium
$173
All coverages (sold policies)
Annual Premium
$2,070
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$63.96/mo — $393.00/mo | 514% gap
📊 Policy Volume in Richmond city
6
Total Policies
2
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$63.96/mo
Highest Observed Rate$393.00/mo
Spread Percentage514%
Carrier Distribution
Most Common CompaniesProgressive, National General, Safeco
Virginia Beach city Auto Insurance Rates
5 PoliciesAvg Monthly Premium
$146
All coverages (sold policies)
Annual Premium
$1,751
Avg annualized
Liability Only Avg
$152/mo
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$111.50/mo — $157.00/mo | 41% gap
📊 Policy Volume in Virginia Beach city
5
Total Policies
2
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)40.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)60.0%
Rate Distribution
Lowest Observed Rate$111.50/mo
Highest Observed Rate$157.00/mo
Spread Percentage41%
Carrier Distribution
Most Common CompaniesAllstate, Progressive, National General
Fairfax County Auto Insurance Rates
4 PoliciesAvg Monthly Premium
$244
All coverages (sold policies)
Annual Premium
$2,933
Avg annualized
Liability Only Avg
$387/mo
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$113.13/mo — $387.79/mo | 243% gap
📊 Policy Volume in Fairfax County
4
Total Policies
4
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)25.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)75.0%
Rate Distribution
Lowest Observed Rate$113.13/mo
Highest Observed Rate$387.79/mo
Spread Percentage243%
Carrier Distribution
Most Common CompaniesProgressive, Safeco, National General
Arlington County Auto Insurance Rates
3 PoliciesAvg Monthly Premium
$105
All coverages (sold policies)
Annual Premium
$1,256
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$104.66/mo — $104.66/mo | 0% gap
📊 Policy Volume in Arlington County
3
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$104.66/mo
Highest Observed Rate$104.66/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesProgressive
Greene County Auto Insurance Rates
3 PoliciesAvg Monthly Premium
$117
All coverages (sold policies)
Annual Premium
$1,405
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
$86/mo
Auto-Full
⚡ Price Spread Observed
$86.47/mo — $144.78/mo | 67% gap
📊 Policy Volume in Greene County
3
Total Policies
3
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)33.3%
Broad Form0.0%
Other (non-owner, motorcycle)66.7%
Rate Distribution
Lowest Observed Rate$86.47/mo
Highest Observed Rate$144.78/mo
Spread Percentage67%
Carrier Distribution
Most Common CompaniesProgressive, Dairyland
Henry County Auto Insurance Rates
3 PoliciesAvg Monthly Premium
$139
All coverages (sold policies)
Annual Premium
$1,664
Avg annualized
Liability Only Avg
$158/mo
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$108.42/mo — $158.11/mo | 46% gap
📊 Policy Volume in Henry County
3
Total Policies
2
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)33.3%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)66.7%
Rate Distribution
Lowest Observed Rate$108.42/mo
Highest Observed Rate$158.11/mo
Spread Percentage46%
Carrier Distribution
Most Common CompaniesDairyland, Progressive
Henrico County Auto Insurance Rates
2 PoliciesAvg Monthly Premium
$151
All coverages (sold policies)
Annual Premium
$1,816
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$66.96/mo — $234.71/mo | 250% gap
📊 Policy Volume in Henrico County
2
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$66.96/mo
Highest Observed Rate$234.71/mo
Spread Percentage250%
Carrier Distribution
Most Common CompaniesProgressive, National General
Newport News city Auto Insurance Rates
2 PoliciesAvg Monthly Premium
$158
All coverages (sold policies)
Annual Premium
$1,896
Avg annualized
Liability Only Avg
$130/mo
Auto-Liability
Full Coverage Avg
$187/mo
Auto-Full
⚡ Price Spread Observed
$129.62/mo — $186.72/mo | 44% gap
📊 Policy Volume in Newport News city
2
Total Policies
2
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)50.0%
Full Coverage (Auto-Full)50.0%
Broad Form0.0%
Other (non-owner, motorcycle)0.0%
Rate Distribution
Lowest Observed Rate$129.62/mo
Highest Observed Rate$186.72/mo
Spread Percentage44%
Carrier Distribution
Most Common CompaniesProgressive, Dairyland
Prince William County Auto Insurance Rates
2 PoliciesAvg Monthly Premium
$120
All coverages (sold policies)
Annual Premium
$1,440
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$97.47/mo — $142.53/mo | 46% gap
📊 Policy Volume in Prince William County
2
Total Policies
2
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$97.47/mo
Highest Observed Rate$142.53/mo
Spread Percentage46%
Carrier Distribution
Most Common CompaniesProgressive, National General
Alexandria city Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$81
All coverages (sold policies)
Annual Premium
$972
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$81.00/mo — $81.00/mo | 0% gap
📊 Policy Volume in Alexandria city
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$81.00/mo
Highest Observed Rate$81.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesProgressive
Augusta County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$207
All coverages (sold policies)
Annual Premium
$2,484
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$207.00/mo — $207.00/mo | 0% gap
📊 Policy Volume in Augusta County
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$207.00/mo
Highest Observed Rate$207.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesProgressive
Dinwiddie County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$109
All coverages (sold policies)
Annual Premium
$1,308
Avg annualized
Liability Only Avg
$109/mo
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$109.00/mo — $109.00/mo | 0% gap
📊 Policy Volume in Dinwiddie County
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)100.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)0.0%
Rate Distribution
Lowest Observed Rate$109.00/mo
Highest Observed Rate$109.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesDairyland
Fredericksburg city Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$164
All coverages (sold policies)
Annual Premium
$1,968
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$164.00/mo — $164.00/mo | 0% gap
📊 Policy Volume in Fredericksburg city
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$164.00/mo
Highest Observed Rate$164.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesProgressive
Franklin County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$110
All coverages (sold policies)
Annual Premium
$1,320
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
$110/mo
Auto-Full
⚡ Price Spread Observed
$110.00/mo — $110.00/mo | 0% gap
📊 Policy Volume in Franklin County
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)100.0%
Broad Form0.0%
Other (non-owner, motorcycle)0.0%
Rate Distribution
Lowest Observed Rate$110.00/mo
Highest Observed Rate$110.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesProgressive
Lancaster County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$183
All coverages (sold policies)
Annual Premium
$2,196
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$183.00/mo — $183.00/mo | 0% gap
📊 Policy Volume in Lancaster County
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$183.00/mo
Highest Observed Rate$183.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesProgressive
Lee County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$87
All coverages (sold policies)
Annual Premium
$1,044
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$87.00/mo — $87.00/mo | 0% gap
📊 Policy Volume in Lee County
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$87.00/mo
Highest Observed Rate$87.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesProgressive
Loudoun County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$122
All coverages (sold policies)
Annual Premium
$1,464
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$122.00/mo — $122.00/mo | 0% gap
📊 Policy Volume in Loudoun County
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$122.00/mo
Highest Observed Rate$122.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesProgressive
Mecklenburg County Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$144
All coverages (sold policies)
Annual Premium
$1,728
Avg annualized
Liability Only Avg
$144/mo
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$144.00/mo — $144.00/mo | 0% gap
📊 Policy Volume in Mecklenburg County
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)100.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)0.0%
Rate Distribution
Lowest Observed Rate$144.00/mo
Highest Observed Rate$144.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesDairyland
Norfolk city Auto Insurance Rates
1 PoliciesAvg Monthly Premium
$165
All coverages (sold policies)
Annual Premium
$1,980
Avg annualized
Liability Only Avg
—
Auto-Liability
Full Coverage Avg
—
Auto-Full
⚡ Price Spread Observed
$165.00/mo — $165.00/mo | 0% gap
📊 Policy Volume in Norfolk city
1
Total Policies
1
ZIP Codes
Coverage Breakdown
Liability Only (Auto-Liability)0.0%
Full Coverage (Auto-Full)0.0%
Broad Form0.0%
Other (non-owner, motorcycle)100.0%
Rate Distribution
Lowest Observed Rate$165.00/mo
Highest Observed Rate$165.00/mo
Spread Percentage0%
Carrier Distribution
Most Common CompaniesProgressive
Frequently Asked Questions — Virginia Auto Insurance
What does auto insurance cost in Virginia based on real sold policies?
From our 59 sold policies across 32 Virginia localities in 2024–2025, the average monthly premium is $151.29 with a median of $123.00. Premiums ranged from $41.33/month in Greene County (Shenandoah Valley) to $613.76/month in York County — the latter being a single high-risk outlier not representative of typical York County pricing. Chesterfield County (Richmond’s southern suburbs) is our most data-dense locality with 7 policies averaging $107.54, ranging tightly from $92.09 to $137.62 — our most reliable single-market benchmark. Fairfax County (Northern Virginia) averaged $244.44 across 4 policies. Southwest Virginia and rural Shenandoah localities — Greene, Lee, Henry, Rockbridge — ranged from $41 to $86 per month, reflecting Virginia’s most affordable insurance markets.
What is an FR-44 in Virginia, and how is it different from an SR-22?
Virginia’s FR-44 is a financial responsibility certificate required specifically after a DUI conviction. It’s significantly more demanding than a standard SR-22: while an SR-22 only requires proof that you carry Virginia’s minimum liability limits (30/60/20), an FR-44 requires you to carry double those minimums — 60/120/40. This higher coverage requirement makes FR-44 policies considerably more expensive than standard SR-22 filings. The FR-44 period in Virginia is typically 3 years. Virginia and Florida are the two states that use FR-44 (most other states use only SR-22 for DUI-related filings), making it an important Virginia-specific distinction for anyone with a DUI on their record. All four carriers in our Virginia dataset — National General, Dairyland, Progressive, and Gainsco — handle Virginia FR-44 filings.
What is broad form auto insurance, and is it available in Virginia?
Yes — Virginia is one of a small number of states that allows broad form (named operator) auto insurance. A broad form policy insures a specific named driver for liability on any vehicle they operate, rather than insuring a specific vehicle. It’s a useful and often more affordable option for drivers who don’t own a vehicle but need financial responsibility coverage — particularly for SR-22 or FR-44 compliance. Our Virginia dataset includes 3 broad form policies, all through Dairyland, making it our state with the most broad form representation. Broad form is distinct from a standard non-owners policy in specific legal ways — both serve similar compliance purposes, but the named-operator structure of broad form may offer different coverage nuances. If you’re unsure which is right for your Virginia license reinstatement situation, we can compare both options.
Why does Virginia have both “counties” and “cities” as separate insurance territories?
Virginia is the only state where cities are completely independent of any surrounding county — Richmond, Virginia Beach, Norfolk, Alexandria, Chesapeake, Newport News, and more than 30 others are self-governing independent cities with their own tax structures. For insurance purposes this matters because your city or county of residence is a rating factor, and a driver in Richmond city is rated differently than one in adjacent Henrico County even if they live just a few miles apart. Our 59-policy Virginia dataset spans 32 distinct localities, including both counties and independent cities labeled separately — you’ll see “Chesterfield County” and “Richmond city” as different entries because they genuinely are different rating territories. When getting a Virginia quote, confirming whether your address falls within a city limit or a county is important for accurate rating.
What are Virginia’s minimum auto insurance requirements?
Virginia requires 30/60/20 liability coverage: $30,000 per person for bodily injury, $60,000 per accident, and $20,000 for property damage. Virginia is a tort (at-fault) state with no mandatory PIP. Uninsured/underinsured motorist coverage is required to be offered and is mandatory unless rejected in writing. Notably, Virginia eliminated its previous option to pay an annual “uninsured motorist fee” to drive without insurance — continuous insurance coverage is now required for all Virginia drivers. DUI-convicted drivers face the FR-44 requirement, which doubles the standard minimums to 60/120/40. Virginia’s 30/60/20 baseline is higher than some neighboring states, reflecting the state’s relatively higher-cost claims environment in the Northern Virginia and Hampton Roads metro areas.
Why is auto insurance so much more expensive in Northern Virginia than in Southwest Virginia?
Northern Virginia’s premium premium reflects a cluster of cost factors that simply don’t exist in Southwest Virginia. Traffic density on I-66, I-95, and the Dulles Toll Road is among the highest in the country, generating far more frequent accidents per driver than rural Appalachian corridors. Vehicle values in Fairfax, Arlington, and Loudoun counties are well above the state average, raising both collision and comprehensive costs. Auto repair labor rates in the DC metro run significantly higher than in the Shenandoah Valley or coalfields. Our data captures this gap clearly: Fairfax County averaged $244.44/month across 4 policies, while Greene County (Shenandoah foothills) averaged just $41.33 across 3 policies — nearly a 6x difference within the same state, driven by these structural cost factors rather than different coverage types.
