State minimum (VA)
$57 /mo
Average for 50/100/25 liability — CarInsurance.com
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Attributed third-party averages — not proprietary Epic and Easy quotes. Individual premiums vary by ZIP, vehicle, credit, and driving record.
$57 /mo
Average for 50/100/25 liability — CarInsurance.com
$153 /mo
Average 100/300/100 with $500 deductibles — CarInsurance.com
$1,673 /yr
Lowest city average in Virginia in the same analysis (~$139/mo)
Source: CarInsurance.com, updated April 24, 2026. Last reviewed on this page August 6, 2026.
Virginia Farm Bureau offers the lowest average full-coverage rate among major carriers surveyed in Virginia at $1,240 a year ($103/mo), while Roanoke drivers pay about $1,673 a year on average — the lowest city average in the state, according to CarInsurance.com (updated April 24, 2026). Statewide, Virginia drivers pay about $57 per month for state-minimum liability and $153 per month for full coverage, per the same CarInsurance.com Virginia analysis .
Roanoke city, Virginia had an estimated population of 99,111 as of July 1, 2025 (U.S. Census Bureau QuickFacts), down slightly from the 2020 Census count of 100,011. Local risk factors — traffic density, claims frequency, and repair costs — help explain why Roanoke prices below denser markets such as Norfolk.
| Coverage level | Monthly average | Annual average |
|---|---|---|
| State minimum BI/PD (50/100/25) | $57 | $689 |
| Liability only (50/100/50) | $59 | $702 |
| Full coverage (100/300/100, $500 ded.) | $153 | $1,835 |
Liability-only coverage pays for injuries and property damage you cause others. In Virginia, the average cost for state-minimum bodily injury and property damage is $57 per month ($689 per year), while liability-only limits of 50/100/50 average $59 per month ($702 per year), according to CarInsurance.com.
Liability does not repair your own vehicle. Drivers who finance a car usually need collision and comprehensive as well — see full-coverage rates.
Full coverage in the CarInsurance.com Virginia sample means liability limits of 100/300/100 plus comprehensive and collision with a $500 deductible. That package averages $153 per month ($1,835 per year) statewide. Roanoke’s published city average is lower at $1,673 per year (~$139/mo).
Carrier averages differ widely. In the CarInsurance.com Virginia table, Virginia Farm Bureau shows the lowest average full-coverage premium at $1,240 a year, while USAA shows the lowest average state-minimum premium at $450 a year (typically for eligible military families). Compare at least a few carriers before you buy.
| Company | State minimum (annual) | Liability 50/100/50 (annual) | Full coverage 100/300/100 (annual) |
|---|---|---|---|
| Virginia Farm Bureau Insurance | $467 | $477 | $1,240 |
| USAA | $450 | $462 | $1,180 |
| Travelers | $551 | $560 | $1,403 |
| Erie Insurance | $530 | $535 | $1,733 |
| GEICO | $567 | $585 | $1,623 |
| Progressive | $881 | $890 | $2,660 |
| Allstate | $958 | $964 | $2,310 |
| State Farm | $1,107 | $1,147 | $2,532 |
For policies effective on or after January 1, 2025, Virginia requires minimum liability limits of 50/100/25 — $50,000 for injury or death of one person, $100,000 for two or more people, and $25,000 for property damage — per the Virginia DMV and Code of Virginia § 46.2-472 .
You must certify insurance when registering a vehicle. If coverage lapses, DMV can suspend driving and registration privileges; reinstatement may require a $600 non-compliance fee and an SR-22 filing for three years (see DMV guidance). Keep proof of insurance in the vehicle.
| Coverage | Minimum limit |
|---|---|
| Bodily injury — one person | $50,000 |
| Bodily injury — two or more people | $100,000 |
| Property damage | $25,000 |
For consumer explanations of coverage types, see the Virginia SCC Auto Insurance Consumer Guide .
Location matters. CarInsurance.com reports Roanoke as the most affordable large city in its Virginia comparison at $1,673 per year, while Norfolk averages $2,031 per year. The statewide full-coverage average is $1,835 per year.
| City | Average annual premium | Notes |
|---|---|---|
| Roanoke | $1,673 | Lowest city average in VA (source analysis) |
| Norfolk | $2,031 | Highest city average in VA (source analysis) |
| Virginia statewide | $1,835 | Full coverage 100/300/100 average |
Explore nearby Virginia markets: Richmond car insurance · Virginia Beach car insurance · Norfolk car insurance · Chesapeake car insurance · Newport News car insurance · Hampton car insurance · Alexandria car insurance · Suffolk car insurance
Drivers with clean records and good credit form the baseline in CarInsurance.com’s sample: about $153/mo for full coverage in Virginia. Shopping multiple carriers still matters — Farm Bureau’s $1,240 full-coverage average is well below Progressive’s $2,660 average in the same statewide table.
A speeding ticket can raise Virginia premiums by up to 31%. CarInsurance.com’s illustrative average after a ticket is about $200 per month ($2,404 per year) for full coverage. Increases often last about three years, depending on the insurer and state rules.
An at-fault accident can raise rates by up to 68% in Virginia. The same analysis cites about $257 per month ($3,079 per year) as an illustrative full-coverage average after an at-fault crash. Compare quotes promptly — some carriers weigh accidents more heavily than others.
A DUI conviction can raise Virginia auto premiums by up to 92%, according to CarInsurance.com. Exact prices vary widely; nonstandard markets and SR-22 requirements may apply. Work with a licensed agent and compare specialized carriers rather than assuming your current insurer is cheapest.
| Driver situation | Typical impact | Illustrative average cost |
|---|---|---|
| Clean record (baseline full coverage) | — | $153/mo · $1,835/yr |
| After a speeding ticket | Up to +31% | $200/mo · $2,404/yr |
| After an at-fault accident | Up to +68% | $257/mo · $3,079/yr |
| After a DUI conviction | Up to +92% | Varies by carrier; shop carefully |
| Poor credit | Higher risk pricing | $317/mo · $3,803/yr |
Teen drivers pay the most in CarInsurance.com’s Virginia age breakdown — about $518 per month ($6,221 per year) for full coverage. Adding a teen to a parent policy and maintaining good grades / driver-training discounts can soften the impact.
Drivers age 65 and older average about $158 per month ($1,897 per year) for full coverage in Virginia — close to the overall adult average. Ask about mature-driver discounts and review liability limits as medical costs rise.
| Age group | Monthly average | Annual average |
|---|---|---|
| Teen drivers | $518 | $6,221 |
| Drivers in their 20s | $250 | $2,994 |
| Typical adult (full coverage avg.) | $153 | $1,835 |
| Senior drivers (65+) | $158 | $1,897 |
Insurers in Virginia may use credit-based insurance scores. CarInsurance.com cites about $317 per month ($3,803 per year) as an illustrative full-coverage average for poor-credit drivers — far above the clean-record baseline. Improving credit and shopping nonstandard markets can both help.
The National Association of Insurance Commissioners publishes slower-moving statewide averages. For Virginia in 2023, the NAIC Average Premium Supplement shows an average expenditure of about $1,114 per insured vehicle and a combined average premium (liability + collision + comprehensive) of about $1,238.
| Measure (Virginia, 2023) | Amount |
|---|---|
| Average liability premium | $627 |
| Average collision premium | $407 |
| Average comprehensive premium | $204 |
| Average expenditure per insured vehicle | $1,114 |
| Combined average premium (liab. + coll. + comp.) | $1,238 |
Among major carriers in CarInsurance.com’s Virginia analysis (updated April 24, 2026), Virginia Farm Bureau shows the lowest average full-coverage premium at $1,240 a year, and USAA shows the lowest average state-minimum premium at $450 a year (military eligibility may apply). Roanoke’s citywide full-coverage average is about $1,673 a year — the lowest city average in that Virginia comparison. Your quote will vary by ZIP, vehicle, and driving record.
It can be. Virginia’s statewide average for state-minimum liability is about $57 per month, while full coverage averages about $153 per month, according to CarInsurance.com. Roanoke’s published city average of roughly $1,673 a year (~$139/mo) sits below the statewide full-coverage average of $1,835 a year. A $100/mo bill often falls between minimum liability and fuller coverage depending on limits and deductibles.
Premiums rise with claims risk. CarInsurance.com reports that a speeding ticket can raise Virginia rates by up to 31%, an at-fault accident by up to 68%, and a DUI by up to 92%. Credit, age, ZIP code, and vehicle also matter. Roanoke tends to price lower than denser markets like Norfolk ($2,031/yr average in the same analysis).
Compare quotes across carriers (averages differ widely — for example, Farm Bureau’s $1,240 full-coverage average versus Progressive’s $2,660 in the CarInsurance.com Virginia table), raise deductibles if you can afford the risk, ask about multi-policy and safe-driver discounts, and keep a clean record. Confirm your policy meets Virginia’s 50/100/25 minimums.
For policies effective on or after January 1, 2025, Virginia requires liability insurance of at least $50,000 for injury or death of one person, $100,000 for two or more people, and $25,000 for property damage (50/100/25), per the Virginia DMV and Code of Virginia § 46.2-472. Drivers must certify coverage when registering a vehicle, and DMV electronically verifies insurance.
Rate tables on this page cite published averages from CarInsurance.com (updated April 24, 2026) and the NAIC Auto Insurance Database Average Premium Supplement (2019–2023). They are comparative sample averages, not Epic and Easy quotes and not a promise of the price you will pay.
CarInsurance.com commissioned Quadrant Information Services for average auto rates for a 2023 Honda Accord LX across ZIP codes, using up to six large carriers. Sample drivers have clean records and good credit. Averages are comparative only.
Statutory minimums are taken from the Virginia DMV and Code of Virginia § 46.2-472. Population context is from U.S. Census Bureau QuickFacts for Roanoke city. We update the visible “Updated” stamp and Article dateModified when sources are re-checked.
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