California vs Virginia Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Virginia is $490/yr cheaper on average.

Fewer Uninsured

Virginia has a lower uninsured rate (9.6% vs 15.2%).

Rate & Coverage Comparison

Attribute	California	Virginia
Avg Annual Premium	$2,070	$1,580
Min Liability	$680	$520
Full Coverage	$2,070	$1,580
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	15.2%	9.6%
Registered Vehicles	32,421,159	7,077,420
Accidents/Year	486,317	106,161
Population	39,538,000	8,631,000

Minimum Coverage Requirements

California

15/30 / 5 liability

Virginia

30/60 / 20 liability

Premium Comparison

California$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

Virginia$520 – $1,580

Liability: $520Avg: $1,580Full: $1,580

CaliforniaFull rates, age breakdown, requirements →VirginiaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, California or Virginia?

Virginia has cheaper car insurance, with an average annual premium of $1,580 compared to $2,070 in California - a difference of $490 per year.

How do California and Virginia compare on fault systems?

California uses a at-fault (tort) system while Virginia uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in California vs Virginia?

California requires 15/30 / 5 liability. Virginia requires 30/60 / 20 liability. Minimum liability costs $680/yr in California and $520/yr in Virginia.

Which state has more uninsured drivers, California or Virginia?

California has a higher uninsured driver rate at 15.2%, compared to 9.6% in Virginia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the California vs Virginia insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

California

Virginia

Avg Annual Premium

$2,070

$1,580

Min Liability

$680

$520

Full Coverage

$2,070

$1,580

Fault System

At-Fault (Tort)

Uninsured Rate

15.2%

9.6%

Registered Vehicles

32,421,159

7,077,420

Accidents/Year

486,317

106,161

Population

39,538,000

8,631,000