Virginia vs Washington Car Insurance

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

Quick Verdict

More Affordable

Virginia is $40/yr cheaper on average.

Fewer Uninsured

Virginia has a lower uninsured rate (9.6% vs 15.6%).

Rate & Coverage Comparison

Attribute	Virginia	Washington
Avg Annual Premium	$1,580	$1,620
Min Liability	$520	$530
Full Coverage	$1,580	$1,620
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	9.6%	15.6%
Registered Vehicles	7,077,420	6,244,300
Accidents/Year	106,161	93,664
Population	8,631,000	7,615,000

Minimum Coverage Requirements

Virginia

30/60 / 20 liability

Washington

25/50 / 10 liability

Premium Comparison

Virginia$520 – $1,580

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

Washington$530 – $1,620

Liability: $530Avg: $1,620Full: $1,620

VirginiaFull rates, age breakdown, requirements →WashingtonFull 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, Virginia or Washington?

Virginia has cheaper car insurance, with an average annual premium of $1,580 compared to $1,620 in Washington - a difference of $40 per year.

How do Virginia and Washington compare on fault systems?

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

What are the minimum insurance requirements in Virginia vs Washington?

Virginia requires 30/60 / 20 liability. Washington requires 25/50 / 10 liability. Minimum liability costs $520/yr in Virginia and $530/yr in Washington.

Which state has more uninsured drivers, Virginia or Washington?

Washington has a higher uninsured driver rate at 15.6%, compared to 9.6% in Virginia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Virginia vs Washington 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

Virginia

Washington

Avg Annual Premium

$1,580

$1,620

Min Liability

$520

$530

Full Coverage

$1,580

$1,620

Fault System

At-Fault (Tort)

Uninsured Rate

9.6%

15.6%

Registered Vehicles

7,077,420

6,244,300

Accidents/Year

106,161

93,664

Population

8,631,000

7,615,000