Wouldn’t this article be short if we could instantly tell you the one company that has the cheapest rates for welfare recipients? It’s just not that easy, however, as there are a whole bunch of unknowns such as the amount of coverage you want, if you have a tendency to get pulled over, if you are married or single, and how well you maintain your credit, that all help calculate your car insurance rates. In this article, we will teach you about these types of topics and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance.
Determining which companies offer the most affordable auto insurance rates for welfare recipients takes a little more effort in order to find the best price. Every auto insurer uses a little different formula to set their prices, so let’s examine the auto insurance companies with the most affordable rates in Virginia.
It’s important that readers know that Virginia auto insurance rates are impacted by many things that control the price you have to pay. Simply getting older, moving to a different location, or getting a couple of tickets may generate price changes that may make certain companies cheaper than competitors.
Best Car Insurance Prices in Virginia
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $653 |
| 2 | USAA | $716 |
| 3 | Penn National | $718 |
| 4 | Cincinnati Insurance | $755 |
| 5 | Utica National | $758 |
| 6 | Erie | $780 |
| 7 | Auto-Owners | $781 |
| 8 | The Hartford | $801 |
| 9 | Virginia Farm Bureau | $826 |
| 10 | Donegal Mutual | $886 |
| 11 | Nationwide | $953 |
| 12 | ALFA | $1,018 |
| 13 | Allied | $1,022 |
| 14 | GEICO | $1,036 |
| 15 | National Grange Mutual | $1,060 |
| 16 | State Farm | $1,099 |
| 17 | Chubb | $1,101 |
| 18 | Electric | $1,192 |
| 19 | Progressive | $1,246 |
| 20 | Amica | $1,267 |
| Compare Rates Now Go | ||
Travelers offers some of the lowest car insurance rates in Virginia Beach at around $653 per year. This is $505 less than the average policy premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Utica National also make the cut as some of the lowest-priced Virginia Beach, VA insurance companies.
As shown in the table above, if you currently have a policy with Utica National and switched to USAA, you may realize a yearly price reduction of about $42. Customers with Erie could save as much as $64 a year, and Auto-Owners policyholders might reduce rates by $65 a year.
To discover how much you can save, click here to get a free quote or visit several of the following companies.
These prices are averages for all insureds and vehicles and and are not figured with a vehicle location for welfare recipients. So the company that has the lowest price for you may not even be in the list above. That’s why you need to get car insurance quotes using your own personal information and vehicle type.
For drivers on welfare, one of the more important factors that aid in calculating the cost of insurance is your zip code in Virginia Beach. Areas with increased crime or more people are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The information below rates the most expensive places in Virginia for welfare recipients in which to buy car insurance. Virginia Beach shows up at #15 with the annual price of $938 for car insurance, which is about $78 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Lake Ridge | $1,042 |
| 2 | Burke | $1,037 |
| 3 | Dale City | $1,028 |
| 4 | Alexandria | $1,016 |
| 5 | Norfolk | $1,000 |
| 6 | Centreville | $997 |
| 7 | McLean | $995 |
| 8 | Richmond | $985 |
| 9 | Reston | $983 |
| 10 | Arlington | $973 |
| 11 | Portsmouth | $963 |
| 12 | Tuckahoe | $957 |
| 13 | Newport News | $948 |
| 14 | Hampton | $943 |
| 15 | Virginia Beach | $938 |
| 16 | Chesapeake | $926 |
| 17 | Danville | $912 |
| 18 | Leesburg | $904 |
| 19 | Suffolk | $901 |
| 20 | Charlottesville | $895 |
| Find the Best Rates Go | ||
Premium amounts are estimated as vehicle location can impact coverage prices significantly.
The car, truck, or SUV needing coverage is one of the main factors when comparing quotes for the most economical auto insurance for welfare recipients. Vehicles with limited top-end speed, good crash test ratings, or a low likelihood of having liability claims will cost substantially less to insure than fast, unsafe models. The information below outlines coverage prices for a selection of the most affordable automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Explorer XLT 2WD | $1,272 |
| Jeep Grand Cherokee Laredo 4WD | $1,342 |
| Chevrolet Malibu LS | $1,349 |
| Honda Civic VP 4-Dr Sedan | $1,386 |
| Toyota Camry XLE | $1,412 |
| Honda CR-V EX 4WD | $1,424 |
| Chevrolet Equinox LTZ 2WD | $1,439 |
| Ford F-150 Lariat King Ranch 2WD | $1,448 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,439 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,458 |
| Ford Escape Limited 4WD | $1,514 |
| Ford Edge SEL 2WD | $1,524 |
| Honda Accord EX-L 4-Dr Sedan | $1,514 |
| Kia Optima EX | $1,536 |
| GMC Sierra SLE Crew Cab 2WD | $1,543 |
| Chevrolet Impala LT | $1,550 |
| Toyota Prius | $1,548 |
| Dodge Grand Caravan CV | $1,560 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,572 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,623 |
| Start a Quote Go | |
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in vehicle garaging location which can raise or lower insurance rates greatly.
Based on these rates, you can presume that makes and models like the Ford Explorer, Jeep Grand Cherokee, Chevrolet Malibu, and Honda Civic should be some of the most budget-friendly vehicles to insure for drivers on welfare.
The chart below illustrates how your deductible choice can influence insurance costs when searching for cheap insurance for welfare recipients. The prices are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
The data above shows that a 30-year-old driver could lower their car insurance rates by $276 a year by changing from a $100 deductible up to a $500 deductible, or save $418 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could save up to $836 or even more by choosing a higher deductible.
If you do raise deductibles, it’s a good idea to have enough savings to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
How to get discounts on Virginia Beach insurance rates
Insurers that offer cheap quotes for welfare recipients may also offer premium discounts that could lower prices by 40% or more if you qualify for them. A few of the larger companies and a selection of discounts are:
- State Farm has discounts for multiple autos, passive restraint, good driver, good student, multiple policy, Drive Safe & Save, and defensive driving training.
- GEICO policyholders can earn discounts including daytime running lights, anti-lock brakes, federal employee, membership and employees, and multi-policy.
- Progressive may offer discounts for online signing, online quote discount, homeowner, multi-vehicle, good student, and continuous coverage.
- 21st Century offers premium reductions for defensive driver, early bird, student driver, driver training, and anti-lock brakes.
- American Family may include discounts for Steer into Savings, multi-vehicle, mySafetyValet, good driver, TimeAway discount, and accident-free.
- The Hartford includes discounts for defensive driver, bundle, vehicle fuel type, anti-theft, good student, driver training, and air bag.
- AAA discounts include pay-in-full, AAA membership discount, anti-theft, good student, good driver, multi-policy, and multi-car.
The example below compares auto insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no tickets, no at-fault accidents, Virginia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with accident-free, multiple policy, claim-free, marriage, anti-theft, and vehicle safety discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for welfare recipients is 28% or $504.
How to find the cheapest insurance for welfare recipients
It’s not impossible to find cheaper rates, and here are some penny-pinching solutions that can help drivers get low-cost auto insurance.
- Accidents can significantly increase rates
- Don’t waste money on full coverage for older vehicles
- Claim-free policyholders usually earn a discount
- Higher deductibles save money
- Tickets and violations raise rates
- Compare rate quotes often
The last tip is particularly critical, as we hit on in the prior information. Auto insurance prices in Virginia Beach adjust frequently, so drivers shouldn’t hesitate to switch carriers if you can find a cheaper rate.
Staying with the same car insurance company is fine, but it’s not a great idea if that faithfulness ends up costing you money that could be going to better use. Now is a great time to shop around and find cheaper car insurance for welfare recipients.