State profile · VA · CMS + NAIC
Virginia drivers average $1114/yr for auto insurance, ranked #26 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Virginia runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1114 a year for auto cover, below the $1191 national average (the 26th-most-expensive of 51 states), up 30% since 2019.
2019: $859 average expenditure
$859 avg expenditure
2020: $846 average expenditure
$846 avg expenditure
2021: $864 average expenditure
$864 avg expenditure
2022: $950 average expenditure
$950 avg expenditure
2023: $1114 average expenditure
$1,114 avg expenditure
What this shows Virginia drivers' average auto cost rose 30% between 2019 and 2023.
Year over year, Virginia's average auto expenditure rose 17.3% from 2022 to 2023, part of a 30% increase (+$255) since 2019. See the full 5-year state-by-state comparison.
Virginia auto rates in detail →Virginia: $1114/yr average auto expenditure (this state)
$1,114 avg expenditure
Illinois: $1153/yr average auto expenditure
$1,153 avg expenditure
Washington: $1153/yr average auto expenditure
$1,153 avg expenditure
Alaska: $1113/yr average auto expenditure
$1,113 avg expenditure
Minnesota: $1103/yr average auto expenditure
$1,103 avg expenditure
No issuer-level claim-denial data is reported for Virginia in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Virginia's 2023 average auto expenditure was $1114, 26th of 51 jurisdictions by cost and 6.4% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Virginia uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Virginia's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Virginia's closest peers in PlainInsurer's dataset are Alaska ($1113/yr) and Minnesota ($1103/yr) -- both within a few dollars of Virginia's own $1114/yr.
Border comparison. Virginia borders Kentucky, Maryland, North Carolina, Tennessee, West Virginia, and District of Columbia. Virginia's auto costs run higher than 2 of them and lower than 4, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Virginia operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Virginia Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.