One of the more important factors that are looked at to help calculate car insurance rates is where your car is garaged in Virginia Beach. More populated areas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The table below lists the highest-priced areas in Virginia for 17 year olds in which to buy car insurance. Virginia Beach is ranked at #16 with the annual price of $910 for the average policyholder, which is approximately $76 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Alexandria | $1,047 |
| 2 | Burke | $1,037 |
| 3 | Centreville | $1,027 |
| 4 | Lake Ridge | $1,012 |
| 5 | Dale City | $1,008 |
| 6 | Arlington | $1,003 |
| 7 | McLean | $995 |
| 8 | Reston | $992 |
| 9 | Norfolk | $990 |
| 10 | Richmond | $985 |
| 11 | Newport News | $958 |
| 12 | Hampton | $943 |
| 13 | Portsmouth | $943 |
| 14 | Tuckahoe | $939 |
| 15 | Danville | $922 |
| 16 | Virginia Beach | $910 |
| 17 | Suffolk | $901 |
| 18 | Chesapeake | $899 |
| 19 | Leesburg | $895 |
| 20 | Ashburn | $893 |
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Price information shown is approximated as zip code location can alter rates noticeably.
Comparing quotes for affordable insurance is not easy, and deciding which companies quote the most affordable car insurance rates for 17 year olds will require a bit more work. Each insurer uses different criteria to set premium rates, so we’ll go over the lowest cost car insurance companies in Virginia Beach.
Keep in mind that Virginia Beach car insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay for coverage. This is why it is so important to compare many different companies when trying to get the lowest auto insurance rates for 17 year olds. Car insurance prices are made up of many things and can change without notice, so the cheapest option the last time you compared rates may now cost much more than other companies.
Best Auto Insurance Prices for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $659 |
| 2 | USAA | $688 |
| 3 | Cincinnati Insurance | $733 |
| 4 | Penn National | $740 |
| 5 | Utica National | $765 |
| 6 | Erie | $780 |
| 7 | Auto-Owners | $781 |
| 8 | The Hartford | $785 |
| 9 | Virginia Farm Bureau | $834 |
| 10 | Donegal Mutual | $852 |
| 11 | Nationwide | $963 |
| 12 | ALFA | $988 |
| 13 | Allied | $1,012 |
| 14 | GEICO | $1,026 |
| 15 | National Grange Mutual | $1,093 |
| 16 | State Farm | $1,110 |
| 17 | Chubb | $1,112 |
| 18 | Electric | $1,228 |
| 19 | Progressive | $1,259 |
| 20 | California Casualty | $1,277 |
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Travelers quotes some of the best car insurance rates in Virginia Beach at around $659 per year. USAA, Cincinnati Insurance, Penn National, and Utica National also qualify as some of the most economical Virginia Beach, VA insurance companies.
In the above example, if you currently buy coverage from Penn National and switched to USAA, you may realize yearly savings of roughly $52. Policyholders with Utica National could save as much as $77 a year, and Erie insureds might lower prices by up to $92 a year.
To find the cheapest coverage for you, click here to begin a quote or quote rates from the companies below.
Bear in mind that those rates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a vehicle location for 17 year olds. So the car insurance company that can offer you the best price may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.
Careless driving habits raise Virginia Beach car insurance rates
The easiest method to maintain good car insurance premiums for teen drivers is to drive carefully and avoid traffic citations and accidents. The diagram below shows how violations and at-fault collisions can increase insurance prices for different age groups. The information is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of auto insurance per year with no accidents and a clean driving record is $1,107. Receive one speeding ticket and the average cost surges to $1,294, an increase of $187 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for 17 year olds increases to an average of $1,811. That’s an increase of $704, or $59 per month, just for being a less-than-perfect driver!
The chart below demonstrates how deductible levels can impact insurance costs when trying to find cheap insurance for 17 year olds. The premiums are based on a married female driver, full coverage, and no policy discounts are applied.
The chart above illustrates that a 50-year-old driver could save $212 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $318 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could drop their prices as much as $522 or even more by choosing larger deductibles on their policy.
When insureds make the decision to increase the deductibles on their policy, it will be required to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
How to find economical insurance for 17 year olds
Here are many thrifty suggestions that can help Virginia drivers get low-cost coverage.
- Serious violations like DUI or reckless driving can increase rates dramatically
- Avoid preventable accidents
- Safe vehicles cost less to insure
- Try paying for small claims out-of-pocket
- Save money by bundling your home and auto policies
- Compare rate quotes often
The last tip in the list is remarkably critical, as was emphasized in the prior article. Prices charged by car insurance companies fluctuate considerably, so drivers shouldn’t be resistant to buy from a new company if a more affordable price is available.
Staying with the same company for years is fine, but it isn’t a good idea if that stubbornness costs you thousands of dollars over several years. In just a couple of minutes you could shop around and find cheaper car insurance for 17 year olds in Virginia Beach.
The insurance agencies listed below can most likely help you make a decision which coverages and limits you need, since some drivers aren’t sure which coverage they need and prefer to have professional advice when trying to find the best insurance rates for 17 year olds. It can be hard to find the best policy yourself, so getting professional guidance from a licensed agent can provide you satisfaction knowing you have sufficient protection if you have a claim.
To find an agent near you, click the button after the list or click here to get price quotes now.
- Paula Rosati – State Farm Insurance Agent
4221 Pleasant Valley Rd #108 – Virginia Beach, VA 23464 – (757) 467-4300 - Sharon Lynch – State Farm Insurance Agent
3617 Dam Neck Rd – Virginia Beach, VA 23453 – (757) 430-9000 - Rhonda Floasin – State Farm Insurance Agent
1115 Independence Blvd #214 – Virginia Beach, VA 23455 – (757) 363-7376 - Aubrey Pithwa – State Farm Insurance Agent
562 Lynnhaven Pkwy #201 – Virginia Beach, VA 23452 – (757) 227-9700