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TrueDriveCost

Average car insurance cost in Virginia

Drivers in Virginia pay about $2,028 a year for full-coverage car insurance on average. Your own rate depends on your car, driving record, coverage limits and ZIP code — but the state average sets the baseline, and it feeds directly into the real cost of owning a car here.

Fold it into your total cost to own

The calculator below starts with Virginia’s average insurance and taxes. Adjust the car and your mileage to see your five-year cost.

The car & the loan
$
$
$
%
%
months
yrs
Running costs
MPG
$/gal
$
$
$

5-year true cost to own

$59,971

$11,994 per year · $0.89 per mile

Per month

$1,000

Loan payment

$942

Resale value

$26,950

Depreciation

$22,050

Amount financed

$47,034

Total miles

67,500

Where your money goes over the years

  • Depreciation$22,050 · 37%
  • Fuel / energy$10,004 · 17%
  • Insurance$10,140 · 17%
  • Maintenance & repairs$6,000 · 10%
  • Loan interest$9,514 · 16%
  • Taxes & fees$2,262 · 4%

Defaults use national averages (AAA, EIA, FHWA); change any field to match your situation. Depreciation is an estimate — a specific model can hold value better or worse.

The numbers behind this estimate

Sourced figures last verified 2026-11-07
FigureValueSource · verified
Vehicle tax (MVSUT)Motor-vehicle sales & use tax, min $75; general sales tax does not apply.4.15%Virginia DMV — Fees (DMV 201) · 2026-08-10
Avg. full-coverage insurance$2,028/yrValuePenguin — Car Insurance Rates by State 2026 · 2026-07-08
Registration feeReg $30.75 (≤4,000 lb) + title $15. Local fees extra.$46Virginia DMV — Fees (DMV 201) · 2026-08-10

Car insurance cost by state