The type of coverage you choose and the amount of personal property and liability protection you want your policy to cover. If you have speeding convictions, at-fault accidents, or drunk driving convictions on your record, you're more likely to be considered a high-risk driver and pay higher rates for car insurance. Some of the cheapest auto insurance companies in Virginia include USAA, Erie, Progressive, and Virginia Farm Bureau. The table below shows the average cost of auto insurance in the 25 most populated cities and towns in Virginia.
However, remember to also talk to your current insurance agent to see if there are any discounts on car insurance that you qualify for. However, the cheapest car insurance company in Virginia will vary based on its unique rating metrics, so you may want to get quotes from other companies to compare rates. MoneyGeek has recommendations on the best insurance companies in Newport News for drivers looking for a balance between affordability and cost. The following rates are for drivers with a clean driving record and their own auto insurance policy (with the exception of rates for 16-year-olds).
USAA, Erie Insurance, Progressive and Virginia Farm Bureau typically have the cheapest auto insurance in Virginia. Virginia, like most states, allows insurers to use their credit rating to create a credit-based insurance rating. The table below compares auto insurance offers and discounts from major providers in the Old Dominion state, which we'll discuss in more detail below. Yes, according to the rate estimates for full-coverage policies, car insurance in Virginia is 34% cheaper than the national average.
People with less than stellar driving records often find competitive Progressive rates for car insurance in Virginia. Many of the providers that offer the cheapest car insurance in Virginia are among the best auto insurance companies in the country. The next series of sections shows the cheapest car insurance for young drivers in Virginia, along with the estimated costs. The table below shows car insurance rates in Virginia for five cities and compares each city's average total coverage premium with the state average.
Your driving history, credit rating, and other variables can also substantially affect your car insurance rates.