Cheapest Car Insurance In Virginia

Cheapest Car Insurance Coverage In West Virginia

The coverage level you choose has a major impact on rates. Many car insurance quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, its a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in West Virginia for both coverage types.

Cheapest Liability Car Insurance in West Virginia

At $20 per month or $239 per year, USAA provides the cheapest liability car insurance on average in West Virginia. Erie Insurance and State Farm are also affordable options for motorists. Below is the complete list of cheap liability coverage options in West Virginia.

*All drivers in West Virginia are required to have minimum liability coverage, which is the cheapest car insurance coverage level.

Cheapest Full Coverage Car Insurance in West Virginia

USAA tends to provide the cheapest full coverage car insurance in West Virginia, costing $73 per month or $870 per year on average. Nationwide and Erie Insurance are also good options for West Virginia drivers. We highlight the complete list of the cheapest full coverage options for auto insurance in the state below.

What Is The Best Car Insurance In Virginia

Liberty Mutual understands that everyone has individual needs when it comes to their Virginia auto insurance. Some might want the cheapest Virginia car insurance, while others want more coverage and an auto insurance company, they know they can trust. Let us help you customize your Virginia car insurance, so you only pay for what you need.

Virginia Car Insurance Requirements

Each state sets its own financial responsibility laws that dictate car insurance requirements. According to the Virginia Department of Motor Vehicles , drivers are generally required to meet the following state minimum coverage limits:

• Bodily injury liability insurance: $30,000 per person and $60,000 per accident
• Property damage liability coverage: $20,000 per accident
• Underinsured/uninsured motorist coverage: $30,000 per person and $60,000 per accident
• Uninsured motorist property damage insurance: $20,000 per accident

Drivers can go without car insurance in Virginia as long as they pay a $500 uninsured motor vehicle fee. This is not recommended, as most motorists cant afford to cover damages after getting involved in an accident.

Its smart to consider moving past Virginias minimum coverage standards to add on comprehensive coverage and collision insurance. These options could protect your vehicle from theft, vandalism and environmental issues along with covering your own car after an accident. Medical payments coverage and roadside assistance are some other options worth consideration.

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Cheapest Life Insurance For Seniors In Chesapeake

Life insurance premiums for Chesapeake seniors typically vary from around $42 to $99 per month. For elderly people in Chesapeake, the top two most economical life insurance providers on average are:

• MassMutual: $42 per month
• Mutual of Omaha: $48 per month

More of Chesapeake’s top-rated and cheapest insurers for seniors are included in the table below.

Best Life Insurance Companies for Seniors in Chesapeake, VA

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Rates were determined by analyzing quotes for a 60-year-old male non-smoker in Chesapeake who is 5 feet 10 inches and 188 pounds that purchases a 10-year term contract at the average coverage need of $94,000.

Due to the increased likelihood that their policy may outlast them as they age, seniors pay higher life insurance rates. However, because their beneficiaries are more likely to be mature adults who can support themselves financially, seniors frequently don’t require as much coverage. Only necessary fees like burial costs, estate taxes and other costs must be covered by their life insurance policies. This is why MoneyGeek’s example policy coverage for seniors is lower than for other profiles.

Virginia Car Insurance Rates After A Dui

After years of relentless efforts to decrease DUI arrests and fatalities, Virginia currently has a relatively low number of intoxicated drivers. However, despite fairly serious consequences, the Old Dominion State still struggles with DUIs.

The consequences for a DUI in Virginia include the following:

• First offense up to $2,500 fine, mandatory alcohol education classes, the installation of an interlock device on your car, license suspension for 12 months, and up to 12 months in jail.
• Second offense up to $2,500 fine, mandatory alcohol education classes, the installation of an interlock device on your car, license suspension for 36 months, and up to 12 months in jail.

You can expect some changes in your car insurance after a DUI. If youre charged with a DUI in Virginia, your insurance rates can increase by 99%. Some insurance companies might refuse to cover you, especially if you have multiple violations.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with a DUI

At $1,753 a year, State Farm has the lowest average rates after a DUI. If you already have car insurance, you should still compare rates with other companies after a DUI conviction. One of the best ways to save money after a DUI is to see what other companies can offer you.

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Cheapest Car Insurance Quotes For Virginia Drivers

Several of the insurers in our analysis had lower rates than the national average for drivers with a clean driving record. The best rates can be found with USAA, but drivers who aren’t eligible for membership will generally find the best deals with State Farm. Allstate has the highest rates in our analysis, with premiums that are 52% more than the state average.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.coms data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only your own quotes will differ. Given this, its important to go through our insurance steps form to find how much you can save with way.com

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Required Coverages In Virginia

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims.

Our insurance follows Virginia law requirements, which are to maintain liability limits* of at least:

Who Has The Cheapest Car Insurance In West Virginia

Getting the cheapest car insurance in West Virginia may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.3

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Cheapest West Virginia Auto Insurance

Because insurance rates are slightly cheaper in West Virginia than the national average, you have a good chance at finding great car insurance in the Mountain State at excellent rates. Here, well look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers.

Virginia Auto Insurance Information

Bodily Injury Liability

Under Virginia law, motorists must carry a minimum of $30,000 per person and $60,000 per accident in Bodily Injury Liability insurance. This coverage pays for medical expenses for another driver, pedestrian or bicyclist when the insured is at fault.

Property Damage Liability

Virginia also requires carrying at least $20,000 in Property Damage Liability insurance, which pays for repairs or replacement of vehicular or other property damage when the insured is responsible for the crash.

Neither BIL nor PDL insurance pays expenses related to the insureds accident injuries or motor vehicle damage. Virginia requires drivers to carry the same BIL and PDL minimums in uninsured/underinsured motorist coverage, in case they are involved in an accident with an uninsured or underinsured driver. Keep in mind these are the minimum amounts required, and it is wise to purchase additional coverage to help protect personal assets in the wake of a serious accident.

While collision and comprehensive coverage are not required by the state, lenders of leased and financed vehicles will almost certainly mandate this insurance.

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Cheapest Car Insurance With A Dui In Virginia

During our agents research, the auto insurance provider in Virginia to check out is Progressive for drivers with a DUI. Progressives quote of $151 per month is 28% less expensive than average and $158 less than the next best option Erie Insurance.

In Virginia, drivers caught driving under the influence are expected to pay car insurance premiums 40% more than drivers who have clean driving records. After a DUI, Virginia drivers average insurance cost is $2,484 per year or a rate increase to $207 per month. Registering for a defensive driving course is the best way to lower your insurance cost after a DUI offense.

Cheapest Car Insurance With A Speeding Ticket In Virginia

The best coverage rate for drivers with one speeding violation is Farm Bureau, which offered us a quote at $1,198 annually. The average cost of insurance for Virginians with a speeding ticket is $1,769, but Farm Bureau is $571 cheaper.

In Virginia, the average cost of car insurance after being involved in an accident is $2,254 per year or $187 per month. Eries rate for those with a car accident is 37% cheaper than average.

Your next cheapest option is Farm Bureau, with a $1,580 rate or $674 less than average.

Once you have an at-fault accident on your driving record in Virginia, you can expect your car insurance rates to go up by 34%, according to the Insurance Information Institute .

That is because insurance companies see accidents as a sign of increased risk, and many will consider you a high-risk driver until the accident is no longer on your driving record.

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Virginia Car Insurance Rates By Age

Age is an integral part of what youll pay for car insurance. Finding cheap rates for teens can be difficult because young drivers are statistically more likely to drive recklessly and cause accidents. Similarly, older drivers also see higher rates because they file more claims and are more likely to be injured in an accident.

To get an idea of how much insurance will cost for your age group, take a look below.

While State Farm and GEICO are usually affordable options for car insurance in Virginia, Erie and Nationwide might be your cheapest option for teen coverage. For more details on both, check out a review of Erie auto insurance and Nationwide auto insurance review.

While car insurance for teens is some of the most expensive, there are ways to save. Teens should look for student discounts to take advantage of, and a parent or guardian can cut their rates in half by adding them to an existing policy.

Cheapest Car Insurance For Drivers With Poor Credit In Virginia

According to our research, the Virginian auto insurance company offering the best rates with poor credit is Nationwide.

Nationwides quote of $1,230 per year is 35% less expensive than the $1,891 average premium.

Even if you are a safe driver, your credit report and score can harm how much your car insurance rates will be. Thats because many companies look at a persons ability to pay off their debts or credit cards to reflect their ability to make their monthly car insurance payments.

If you have bad credit, you will likely pay as much as 22% more for car insurance premiums in Virginia than those with good credit.

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Find The Best Car Insurance In Virginia

Aside from being the birthplace of many presidents and having beautiful beaches, the average car insurance cost in Virginia also gives residents something to be happy about. Although you can choose not to carry coverage, the affordability of car insurance in Virginia makes it a safer option.

If youre wondering how much car insurance is in Virginia, the best way to find out is to compare quotes. Although State Farm, GEICO, and USAA offer the cheapest average rates, you might find that other companies offer you better prices.

What Is Average Car Insurance Cost In Virginia

In Virginia, the average annual cost of car insurance is $982, which is 37.3% less than the overall national average rate of $1,567. Car insurance in Virginia per month costs an average of $82 for full coverage.

Average Virginia car insurance rates for some of the most popular vehicles include the Toyota Camry at an average of $966 per year, the Toyota Highlander at $990, the Subaru Forester at $850, the Jeep Wrangler at $1,126, and the Toyota RAV4 at $928 per year.

Luxury models like the Audi A6, the BMW X5, and the Volvo XC90 cost an average of $1,288, $1,248, and $1,064 per year, respectively, for full-coverage car insurance.

Other top-selling vehicles in Virginia and their average annual car insurance cost include the Nissan Rogue at $964 per year, the Toyota Camry at $966, the Toyota Corolla at $966, and the Ford Explorer with an average cost of $924 per year.

The chart below shows average car insurance cost in Virginia broken out by driver age and policy deductible limits. Rates are averaged for all 2022 vehicle models, including luxury cars and SUVs.

When annual rates in the chart above are converted to a monthly amount, the average cost of car insurance per month in Virginia ranges from $62 to $188.

Teenage drivers are the most expensive age group to insure, and car insurance quotes for teenagers in Virginia range from an average of $2,468 per year for a 19-year-old female up to $3,518 per year for a 16-year-old male driver.

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What Are The 10 Most Expensive Areas In Virginia For Car Insurance

When looking at the average car insurance rates in Virginia, rates vary based on your location. The table below displays the top 10 most expensive areas in Virginia for car insurance based on average rates for a single adult. Things like the claims filed in your area and the crime rate can play into the average rate. Keep in mind, insurance companies are establishing risk based on where your car is garaged. Listing a different address to reduce your average cost is considered fraud.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Virginia will differ. Rate data is provided by Quadrant Information Services.

Cheapest Full Coverage Car Insurance In Virginia

A full coverage package with higher liability limits and comprehensive collision insurance will ensure youre covered in most on and off-road accidents in Virginia. While this plan costs more than minimum coverage, it protects against the cost of damages to your car, not just damages to others. Consider comparing car insurance quotes from multiple providers to reduce your costs for this additional coverage.

The least expensive full coverage car insurance carriers in Virginia are:

• Progressive: $614 per year
• GEICO: $816 per year

USAA’s average rate of $809 per year is the second cheapest in the state, but it’s only available to military personnel and their families. Allstates full coverage policy is the priciest, with an average annual rate of $1,105.

CHEAPEST FULL COVERAGE CAR INSURANCE IN VIRGINIA

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Please bear in mind that your premiums will be different than these examples. The prices listed above are for a policy with comprehensive and collision insurance and $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

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Cheapest Car Insurance For Drivers With An Accident History

If you’re a Virginia driver looking for minimum-coverage auto insurance after an accident, Farm Bureau has the cheapest average rate of $75 a month. State Farm has the next-lowest rate, at $105 a month.

A first-offense DUI with a 0.08% blood alcohol content carries the following penalties in Virginia:

• Minimum $250 fine
• One year driver’s license suspension

If you have a suspended license due to a DUI or other serious infraction, you will need to file an SR-22 to get your license reinstated. An SR-22 acts as proof that you carry Virginia’s minimum-coverage car insurance. Virginia law requires an SR-22 for three consecutive years. This term could be longer if you have other infractions during that time.