Current figures on auto insurance costs, coverage requirements, driving, and road safety in Virginia. Every statistic below links to its original source.
Last updated: September 28, 2026
These figures are intended as a source-backed snapshot, not a substitute for advice on a specific policy. Insurance costs and coverage needs vary by driver, vehicle, location, selected limits, deductible, and insurer.
$1,114.46
Virginia drivers spent an average of $1,114.46 per insured vehicle in 2023 for personal auto insurance, according to the National Association of Insurance Commissioners. This measure combines written premiums for liability, collision, and comprehensive coverage, divided by liability written car-years.
National Association of Insurance Commissioners, 2022/2023 Auto Insurance Database Report, Table 42023 data, published 202517.3%
Virginia’s average expenditure rose from $949.76 in 2022 to $1,114.46 in 2023. The percentage shown is calculated from the two state figures reported by the National Association of Insurance Commissioners.
National Association of Insurance Commissioners, 2022/2023 Auto Insurance Database Report, Table 42022 and 2023 data, published 2025$50k / $100k / $25k
For policies effective on or after January 1, 2025, Virginia requires at least $50,000 for injury or death of one person, $100,000 for injury or death of two or more people, and $25,000 for property damage.
Virginia Department of Motor Vehicles, Insurance RequirementsCurrent requirement, effective January 1, 202511,600 miles
Virginia DMV uses 11,600 miles as the average annual distance driven by Virginians in its Mileage Choice Program information.
Virginia Department of Motor Vehicles, Mileage Choice ProgramCurrent program information918
Virginia recorded 918 traffic fatalities in 2024. The state’s roadway safety report shows this was 15% higher than its 2024 safety objective of 779 fatalities.
Virginia Department of Transportation, 2024 Annual Summary Report2024 data18,688
Virginia reported 18,688 crashes involving a distracted driver in 2024. Those crashes were linked to 73 fatalities and 10,222 injuries.
Virginia Department of Transportation, distracted driving report2024 data, published 202566%
In a DRIVE SMART Virginia poll reported by the Virginia Department of Transportation, 66% of Virginians said they had driven distracted recently. The poll result is self-reported and is presented as a measure of driver behavior, not a crash total.
Virginia Department of Transportation, Heads up: End distracted driving in VirginiaPoll result reported April 20253,746
Virginia reported 3,746 work zone crashes in 2024, resulting in 1,536 injuries and 15 fatalities.
Virginia Department of Transportation, work zone safety update2024 data, published 2025This page compiles publicly available figures from the National Association of Insurance Commissioners, Virginia Department of Motor Vehicles, and Virginia Department of Transportation. We use the latest source available for each topic, which means the reporting year can differ from one statistic to another.
We link every figure to its original public source and state the reporting year beside it. We review the page regularly and update figures when a source releases newer data. The last review was September 28, 2026.
Luis Carmona Insurance Agency. “Virginia Auto Insurance Statistics.” Updated September 28, 2026. Retrieved from https://luiscarmonainsurance.com/virginia-auto-insurance-statistics.
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