State risk profile
Virginia
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across Virginia. Scores are informational and focus on relative risk, not individual outcomes.
Score status
50
/ 100
Percentile-based relative to national average.
Updated 2025-12-30.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Virginia
Accident & Exposure Risk
Crash frequency is below the national distribution. Fatality severity is near the national midpoint. Traffic exposure is above the national distribution.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are above the national distribution, with inflation pressure below the national distribution.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is below the national distribution, complaint severity is above the national distribution, litigation environment is above the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are below the national distribution.
Market Structure Context
Market structure signals show rate filing activity is above the national distribution, market concentration is near the national midpoint.
Live traffic context
Active incident feeds in Virginia
State DOT 511 feeds offer a near-term view of disruptions that can raise short-term claim and repair pressure.
Counts reflect active incidents reported by public traffic systems, not a full crash census.
Risk spotlight
Market Structure Context in Virginia
We highlight the highest-pressure risk signal in Virginia and show the public inputs that drive the score.
77
/ 100
Market structure signals show rate filing activity is above the national distribution, market concentration is near the national midpoint.
Rate filing frequency
Auto filing volume per carrier and filing cadence.
Sources: SERFF
Market concentration
HHI concentration score and top-five share.
Sources: NAIC market share data
Premium pressure context
How premiums compare with risk in Virginia
This context index uses public NAIC average premium data to show how pricing pressure compares with the risk baseline. It is not a quote or a recommendation.
42
/ 100
Average combined premium: $1,238
Premium pressure sits below the current risk baseline, which can reflect competitive or timing effects.
Why this can happen
- Rate adjustments can lag current loss experience and risk shifts.
- Market structure and competition can push premiums above or below modeled risk.
- Repair costs, litigation pressure, or catastrophe load can amplify pricing beyond baseline risk signals.
State context
Data-backed context for Virginia
This section summarizes the strongest public signals behind the state score, highlights trend direction, and flags shifts in claim friction and repair pressure.
Leading signals
Market Structure Context
Market structure signals show rate filing activity is above the national distribution, market concentration is near the national midpoint.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is below the national distribution, complaint severity is above the national distribution, litigation environment is above the national distribution.
Cost & Repair Pressure
Repair cost levels are above the national distribution, with inflation pressure below the national distribution.