Cheap Car Insurance for 18 Year Olds in Virginia

The words “affordable” and “insurance” really should not be used together, especially when you are looking for the cheapest auto insurance for 18 year olds. Because of the high cost, let’s open your eyes to a few of the factors that significantly impact car insurance prices, and find out if we can help you cut the cost of the next policy you buy.

We all like different vehicles, and the type of vehicle requiring coverage is one of the main factors when quoting low-cost insurance for 18 year olds. Vehicles with high performance engines, poor safety ratings, or a history of substantial liability claims will cost significantly more to insure than safer models. The next lists estimates auto insurance rates for the most affordable vehicles to insure in Virginia.

Prices above based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in Virginia location which can decrease or increase price quotes greatly.

Price data assumes single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in vehicle location which can affect premium rates substantially.

Data rating is based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific zip code location which can decrease or increase rates greatly.

Comparing rates for budget car insurance is hard enough, and determining which companies offer the best car insurance rates for 18 year olds will require even more work. Rates will more than likely be significantly higher than the average policy in Virginia, with the higher price attributed to the extra risk associated with selling coverage for teen drivers, but reasonably-priced insurance may be achievable with some perseverence. Every auto insurer has a different formula to determine premium rates, so first let’s look at the rankings for the car insurance companies with the most affordable rates in Virginia.

It’s a good idea to know that Virginia car insurance rates are determined by lots of factors that may substantially change the price you pay for coverage. This is why Virginia drivers need to perform an extensive rate comparison when trying to get the most affordable insurance rates for 18 year olds. Rates can be altered by many different factors and can change substantially, so the best company six months ago may now be one of the more expensive options.

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Travelers normally has some of the most affordable car insurance rates in Virginia at around $659 annually. USAA, Cincinnati Insurance, Penn National, and Utica National also qualify as some of the most economical Virginia auto insurance companies.

In the rate table above, if you currently have coverage with USAA and switched to Travelers, you may see annual savings of upwards of $29. Policyholders with Cincinnati Insurance may save as much as $74 a year, and Penn National insureds might realize rate reductions of up to $81 a year.

Bear in mind that those policy rates are averages for all drivers and vehicles in Virginia and do not take into consideration a price surcharge for 18 year olds. So the insurer that has the cheapest rates for you may not even be shown in the chart above. That points out the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.

One of the more important considerations used to determine the amount you pay each year for auto insurance is your address in Virginia. Areas that are more densely populated like Lake Ridge, Dale City, and Alexandria likely pay more, whereas areas with less congestion receive better rates.

The next table displays the most expensive cities in Virginia for 18 year olds to buy auto insurance in.

Premium amounts are comparative as the specific Virginia residence address can modify auto insurance rates significantly.

How to get discounts on Virginia auto insurance rates

Auto insurance companies that provide cheap car insurance for 18 year olds in Virginia may also provide price discounts that can lower rates by as much as 30% if you meet the requirements. Larger car insurance companies and their possible discounts can be read below.

• State Farm may have discounts that include good student, passive restraint, good driver, accident-free, driver’s education, and Steer Clear safe driver discount.
• GEICO includes discounts for military active duty, good student, air bags, multi-vehicle, and emergency military deployment.
• SAFECO discounts include multi-car, anti-theft, bundle discounts, accident prevention training, drive less, and safe driver.
• Farmers Insurance has savings for distant student, electronic funds transfer, business and professional, teen driver, alternative fuel, and youthful driver.
• AAA has discounts for education and occupation, good driver, AAA membership discount, anti-theft, pay-in-full, good student, and multi-policy.
• USAA offers premium reductions for loyalty savings, driver training, multi-policy, good student, and new vehicle.

The illustration below shows the comparison of insurance premiums with and without discounts applied. The premium estimates are based on a male driver, a clean driving record, no claims, Virginia state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with continuous coverage, paid-in-full, passive restraint, good student, vehicle safety, and paperless filing discounts applied. When discounts are factored in, the the average amount saved on car insurance for 18 year olds is 28% or $686.

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