This would be a much quicker read if we could tell you the company that has the most affordable insurance in Virginia. Unfortunately, it’s just not that easy, as there are a lot of unknown elements like if you have a spouse, whether or not you are currently insured, how high your deductibles should be, and if you are a homeowner or renter, that all impact the cost of your policy. In this article, we will teach you about the best ways to save money and will hopefully give you a good beginning to your quest for cheaper car insurance in Virginia Beach.
One of the more important components that are looked at to determine insurance cost is where you normally keep your vehicle in Virginia Beach. Areas with high crime rates or more dense population likely pay more, whereas areas with less people or fewer weather incidents get the luxury of paying less.
The following table ranks the most costly cities in Virginia for uninsured drivers in which to purchase auto insurance. Virginia Beach makes the list at #19 costing $910 for the average insurance policy, which is approximately $76 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Centreville | $1,037 |
| 2 | Lake Ridge | $1,032 |
| 3 | Burke | $1,026 |
| 4 | McLean | $1,025 |
| 5 | Alexandria | $1,016 |
| 6 | Richmond | $1,005 |
| 7 | Dale City | $998 |
| 8 | Norfolk | $990 |
| 9 | Arlington | $973 |
| 10 | Hampton | $963 |
| 11 | Reston | $954 |
| 12 | Portsmouth | $943 |
| 13 | Danville | $940 |
| 14 | Suffolk | $937 |
| 15 | Tuckahoe | $929 |
| 16 | Ashburn | $929 |
| 17 | Leesburg | $922 |
| 18 | Newport News | $920 |
| 19 | Virginia Beach | $910 |
| 20 | Chesapeake | $908 |
| 21 | Charlottesville | $886 |
| 22 | Lynchburg | $869 |
| 23 | Roanoke | $823 |
| 24 | Blacksburg | $799 |
| 25 | Harrisonburg | $784 |
| Find the Best Rates Go | ||
Prices are approximated as zip code location can modify rates noticeably.
Deciding which companies offer the lowest-priced car insurance rates for uninsured drivers involves more time than just getting one or two price quotes.
Every car insurance company has a different process to set premium rates, so we need to take a look at the car insurance companies with the overall cheapest rates in Virginia Beach, VA. It’s a good idea to be aware that Virginia car insurance rates are calculated based on many things that may substantially change the price you pay for coverage. Getting older, becoming a homeowner, or getting a reckless driving citation can trigger changes in premium resulting in some rates now being more affordable than the competition.
Find Cheaper Car Insurance in Virginia
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $659 |
| 2 | USAA | $695 |
| 3 | Penn National | $740 |
| 4 | Cincinnati Insurance | $741 |
| 5 | Auto-Owners | $758 |
| 6 | The Hartford | $777 |
| 7 | Utica National | $788 |
| 8 | Erie | $812 |
| 9 | Virginia Farm Bureau | $834 |
| 10 | Donegal Mutual | $852 |
| 11 | Nationwide | $935 |
| 12 | Allied | $992 |
| 13 | ALFA | $1,018 |
| 14 | GEICO | $1,036 |
| 15 | National Grange Mutual | $1,071 |
| 16 | Chubb | $1,134 |
| 17 | State Farm | $1,143 |
| 18 | Electric | $1,180 |
| 19 | Amica | $1,229 |
| 20 | California Casualty | $1,251 |
| Quote Your Rates Go | ||
Travelers has some of the most affordable car insurance rates in Virginia Beach at around $659 per year. This is $499 less than the average price paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners are also some of the cheapest Virginia Beach, VA auto insurance companies.
As illustrated above, if you currently have coverage with Penn National and switched to Travelers, you might realize yearly savings of approximately $81. Drivers with Cincinnati Insurance might save as much as $82 a year, and Auto-Owners policyholders might realize rate reductions of up to $99 a year.
Bear in mind that those prices are averaged across all insureds and vehicles and do not factor in an exact zip code location for uninsured drivers. So the auto insurance company that has the lowest price for you may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
How to get discounts on Virginia Beach insurance
Insurance companies that provide coverage for uninsured drivers may also provide rate discounts that could potentially reduce rates by 35% or more if you meet specific eligibility requirements. A list of companies and their possible discounts are outlined below.
- GEICO offers discounts including membership and employees, emergency military deployment, multi-vehicle, multi-policy, driver training, daytime running lights, and anti-lock brakes.
- Travelers discounts include student away at school, new car, save driver, multi-car, and good student.
- Farm Bureau includes discounts for safe driver, youthful driver, multi-vehicle, 55 and retired, and multi-policy.
- Liberty Mutual offers discounts for new move discount, multi-car, newly retired, new graduate, and preferred payment discount.
- American Family may offer discounts for mySafetyValet, good driver, air bags, good student, Steer into Savings, and accident-free.
- Progressive may have discounts that include good student, online signing, continuous coverage, online quote discount, and multi-vehicle.
The chart below shows the comparison of car insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no accidents or driving violations, Virginia state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, vehicle safety, claim-free, homeowner, anti-theft, and accident-free discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for uninsured drivers is 28% or $404.
Finding the top auto insurance provider can be rather challenging considering how many companies sell insurance in Virginia. The ranking information displayed below may help you pick which auto insurers to look at when comparing insurance rates for uninsured drivers. The ratings below include companies that insure vehicles across America, so companies that focus mainly on Virginia business are not included in this list.
Top 10 Large Auto Insurance Providers in Virginia Beach Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Erie Insurance – A+
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
Top 10 Large Auto Insurance Providers in Virginia Beach Ranked by Claims Service
- Travelers
- Allstate
- Nationwide
- State Farm
- GEICO
- Liberty Mutual
- American Family
- Esurance
- AAA Insurance
- Titan Insurance
How to find budget-friendly auto insurance for uninsured drivers
Lowering your rates is not difficult, and here are many thrifty ideas that can help Virginia Beach drivers locate cheap auto insurance.
- Save money by bundling your home and auto policies
- Do not pay for full coverage on older vehicles
- Claim-free policyholders usually earn a discount
- Do not get tickets
- Drive a car with a high safety rating
- Avoid having at-fault accidents
- Look for cheaper rates once a year by shopping around
That last piece of advice is especially significant, as was noted in this article. Prices charged by auto insurers can change significantly in a year, so don’t hesitate to change insurance companies if you can save money.
Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty ends up costing a small fortune. It only takes a couple minutes to compare prices and find cheaper insurance for uninsured drivers in Virginia Beach.
If you prefer to get some professional advice when buying car insurance for drivers with no prior coverage, the professional agents shown below can most likely provide answers to your questions and help you determine which coverages are best.
To locate a Virginia Beach car insurance agency closest to you, click the button after the list or click here to get price quotes now.
- GEICO Insurance Agent
4389 Virginia Beach Blvd – Virginia Beach, VA 23462 – (757) 583-2200 - Nationwide Insurance: The Braun Agency Inc
6062 Indian River Rd Ste 101 – Virginia Beach, VA 23464 – (757) 420-2060 - Nationwide Insurance: Matthew Clifton Roenker Agency
4870 Haygood Rd Ste 108 – Virginia Beach, VA 23455 – (757) 671-1111