Car Insurance for Age 20-25 in Virginia

Average auto insurance rates for 20-25 year old drivers in Virginia (VA), including male vs female rate comparison.

Avg Annual Rate

$2,844

$263 below national avg

Male Rate

$3,160/yr

Female Rate

$2,528/yr

Cost Rank

#36

of 51 states

Male vs Female Rates — Age 20-25 in Virginia

Gender	Annual	Monthly	vs Average
Male	$3,160	$263	+$316
Female	$2,528	$211	$-316
Average	$2,844	$237	—

Male drivers aged 20-25 pay $632 more per year in Virginia.

All Age Groups in Virginia

Age Group	Average	Male	Female
16-19	$4,266	$4,819	$3,713
20-25 ←	$2,844	$3,160	$2,528
26-35	$1,738	$1,817	$1,659
36-45	$1,580	$1,612	$1,548
46-55	$1,501	$1,533	$1,469
56-65	$1,454	$1,485	$1,422
65+	$1,659	$1,706	$1,612

Most & Least Expensive States for Age 20-25

Most Expensive

#1	Michigan	$4,860
#2	Louisiana	$4,680
#3	Florida	$4,500
#4	New York	$4,176
#5	Kentucky	$3,960
#6	Colorado	$3,780
#7	Georgia	$3,780
#8	California	$3,726
#9	Nevada	$3,726
#10	Oklahoma	$3,654

Least Expensive

#51	Maine	$1,620
#50	Vermont	$1,800
#49	New Hampshire	$1,890
#48	Idaho	$1,980
#47	Hawaii	$2,286
#46	Wisconsin	$2,304
#45	Ohio	$2,322
#44	North Carolina	$2,430
#43	Iowa	$2,430
#42	North Dakota	$2,448

Virginia Insurance Overview

State Avg Premium

$1,580/yr

Fault System

At-Fault (Tort)

Uninsured Rate

9.6%

📊

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

How much does car insurance cost for age 20-25 in Virginia?

The average annual car insurance premium for 20-25 year olds in Virginia is $2,844 (about $237/month). This is $263 below the national average of $3,107 for this age group.

Do males or females pay more for car insurance at age 20-25 in Virginia?

In Virginia, male drivers aged 20-25 pay more — $3,160/yr for males vs $2,528/yr for females, a difference of $632 per year.

How does Virginia rank for age 20-25 insurance costs?

Virginia ranks #36 out of 51 states for car insurance costs for 20-25 year olds (most expensive first). The cheapest state for this age group is Maine at $1,620/yr, while Michigan is the most expensive at $4,860/yr.

Why is car insurance cheaper for age 20-25 in Virginia?

Insurance rates for 20-25 year olds in Virginia are influenced by the state's at-fault (tort) system, local accident rates (106,161/yr), uninsured driver rate (9.6%), and population density. Virginia has 7,077,420 registered vehicles.

How can 20-25 year olds save on car insurance in Virginia?

20-25 year olds in Virginia can save by: comparing quotes from multiple insurers (Erie Insurance is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 20-25 Rates in Other States

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