Who Has the Cheapest Auto Insurance Quotes for Government Employees in Virginia?

Writing this article would sure be easy if we could simply give you the name of the one company that has the most affordable insurance in Virginia. It’s not quite that easy, unfortunately, as there are a whole bunch of unknown factors like if you are a renter or homeowner, if you have a spouse, and if you are a man or woman, that all impact the price you pay. This article will discuss some of these topics and will hopefully give the reader a good start to your coverage search.

Determining which companies have the cheapest car insurance rates for government employees will require a bit more effort than just getting one or two price quotes. Each auto insurer has a proprietary formula for filing rates in each state, so to begin we’ll rank the overall cheapest car insurance companies in Virginia.

It’s important that you understand Virginia car insurance rates are impacted by many factors that can increase the cost of a policy. Turning one year older, buying a new vehicle, or getting a speeding ticket may prompt premium changes that can now make some companies more affordable than the competition.

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Travelers has some of the most affordable car insurance rates in Virginia at around $679 each year. USAA, Penn National, Auto-Owners, and Cincinnati Insurance also rank well as some of the cheapest Virginia auto insurance companies.

In the rate table above, if you buy coverage from Auto-Owners and switched to Travelers, you could earn an annual premium reduction of about $79. Insureds with Cincinnati Insurance might save as much as $84 a year, and Utica National insureds might lower prices by $86 a year.

If you would like to find the cheapest car insurance for government employees in Virginia, click here to begin a quote or quote prices from the following companies.

Understand that those estimates are averages across all ages of drivers and types of vehicles and do not factor in a rate decrease for government employees. So the car insurance company that can offer you the lowest price may not even be featured in the above list. That emphasizes why you need to get quotes using your own individual information.

The vehicle requiring insurance is probably the most important factor that determines whether or not you can buy the most affordable auto insurance for government employees. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models. The lists below estimates coverage costs for a number of the most cost-effective vehicles to buy insurance for.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price information does not factor in specific zip code location which can change price quotes substantially.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in specific location information which can decrease or increase premiums substantially.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific Virginia garaging location which can lower or raise price quotes significantly.

For state and federal workers, one of the largest factors that determine a rate quote is your address in Virginia. Cities with larger populations like Dale City, Burke, and Lake Ridge will most likely have higher rates, whereas less populated areas generally pay lower car insurance rates.

The illustration below ranks the higher priced cities in Virginia for government employees to buy an auto insurance policy in.

Rate information is approximated as the vehicle garaging location can decrease or increase coverage prices considerably.

Geico, Allstate, Progressive, or State Farm: Who is cheapest?

When it comes to buying car insurance for state and federal workers in Virginia, four companies you’ll want quotes from are Geico, Allstate, Progressive, and State Farm. When combined, they insure almost 50% of all auto insurance policies in force. The following table compares and contrasts ratings for price and service, as well as some optional coverages you can buy with each company.