Texas vs Virginia Car Insurance

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

Quick Verdict

More Affordable

Virginia is $360/yr cheaper on average.

Fewer Uninsured

Virginia has a lower uninsured rate (9.6% vs 14.1%).

Rate & Coverage Comparison

Attribute	Texas	Virginia
Avg Annual Premium	$1,940	$1,580
Min Liability	$640	$520
Full Coverage	$1,940	$1,580
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	14.1%	9.6%
Registered Vehicles	23,899,720	7,077,420
Accidents/Year	358,495	106,161
Population	29,146,000	8,631,000

Minimum Coverage Requirements

Texas

30/60 / 25 liability

Virginia

30/60 / 20 liability

Premium Comparison

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

Virginia$520 – $1,580

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

TexasFull 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, Texas or Virginia?

Virginia has cheaper car insurance, with an average annual premium of $1,580 compared to $1,940 in Texas - a difference of $360 per year.

How do Texas and Virginia compare on fault systems?

Texas 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 Texas vs Virginia?

Texas requires 30/60 / 25 liability. Virginia requires 30/60 / 20 liability. Minimum liability costs $640/yr in Texas and $520/yr in Virginia.

Which state has more uninsured drivers, Texas or Virginia?

Texas has a higher uninsured driver rate at 14.1%, compared to 9.6% in Virginia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Texas 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

Texas

Virginia

Avg Annual Premium

$1,940

$1,580

Min Liability

$640

$520

Full Coverage

$1,940

$1,580

Fault System

At-Fault (Tort)

Uninsured Rate

14.1%

9.6%

Registered Vehicles

23,899,720

7,077,420

Accidents/Year

358,495

106,161

Population

29,146,000

8,631,000