Cheapest Car Insurance Quotes for Uninsured Drivers in Virginia

You’ve seen the catchy advertisements from auto insurance companies like Liberty Mutual, State Farm, and GEICO that guarantee huge savings, so you should just pick the one with the best commercial, right?

It’s not that easy, however, as there are a whole bunch of unknown factors such as if you own the home you live in, whether or not your vehicle has good safety ratings, and the number of years you have been driving, that all impact the price you pay. This article will detail the best ways to save on auto insurance and will hopefully give you a good start in finding the cheapest insurance.

For drivers with no prior coverage, one of the more important factors that auto insurance companies use when figuring auto insurance rates is where your residence is in Virginia. Larger areas like Burke, Lake Ridge, and McLean tend to have higher auto insurance costs, whereas areas that tend to be more rural get the luxury of paying less.

The information below rates the most expensive cities in Virginia for uninsured drivers in which to purchase auto insurance.

Price information shown is estimated as the garaging address in Virginia can modify rates greatly.

Establishing which company offers the most affordable insurance rates for uninsured drivers requires a little more work in order to find the lowest price. Every insurance provider has their own guidelines to determine premium rates, so let’s rank the overall cheapest insurance companies in Virginia.

It’s important that you understand Virginia insurance rates are determined by lots of factors that will increase or decrease the cost of a policy. Getting older, buying a home, or getting into an accident may generate price changes that can make some companies cheaper than competitors.

Find the Cheapest Auto Insurance in Virginia

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Travelers may have some of the most affordable car insurance rates in Virginia at around $659 annually. USAA, Penn National, Cincinnati Insurance, and Utica National also make the cut as some of the best Virginia insurance companies.

In this example, if you are a customer of Penn National and switched to Travelers, you may see annual savings of roughly $59. Virginia drivers with Cincinnati Insurance might save as much as $96 a year, and Utica National customers might see rate reductions of $99 a year.

To find out how much you can save, click here to begin a quote or click through to the companies below.

Bear in mind that those prices are averages across all insureds and vehicles and do not take into consideration a price decrease for uninsured drivers. So the auto insurance company that fits your situation best may not even be shown in the chart above. That helps illustrate why you need to compare prices as often as possible using your own driver data and vehicle information.

The car, truck, or SUV you are insuring is a large factor when shopping around for the lowest-priced insurance for uninsured drivers. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models. The next list showcases insurance prices for the more afforable vehicles to insure in Virginia.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in garaging location in Virginia which can lower or raise coverage prices substantially.

Based upon the table data, we can expect vehicles like the Honda Odyssey, Ford Escape, and Ford F-150 should be some of the more affordable vehicles to insure for drivers with no prior coverage.

Insurance company ratings

Ending up with the best insurance company is difficult considering how many choices you have in Virginia. The rank data in the next section could help you pick which companies you want to consider when insurance shopping for uninsured drivers.

The rankings below are only comprised of the largest companies in America, so companies that focus mainly on Virginia business are not factored into this list. If you wish to compare prices and find cheaper insurance for uninsured drivers, click this link.

Top 10 Major Car Insurance Companies in Virginia Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. Travelers – 88%

Types of discounts on Virginia auto insurance

Car insurance companies that provide the cheapest car insurance for uninsured drivers in Virginia may provide rate discounts that can lower rates by 25% or more if you meet the requirements. A few popular companies and some of the discounts are outlined below.

The chart below shows the difference between auto insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no violations or accidents, Virginia state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, multiple vehicle, homeowner, multiple policy, anti-theft, and vehicle safety discounts applied. When these discounts are applied, the average amount saved each year on insurance for uninsured drivers is 32% or $597.

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How to find low-cost auto insurance for uninsured drivers

Lowering your rates is not difficult, and here are a few money-saving suggestions that can help Virginia drivers quote cheaper car insurance.

• Better credit rating means better rates
• Having at-fault accidents will increase rates
• Full coverage may not be needed on older vehicles
• Buying your home and auto policies from the same company can earn a discount
• Buy a car with high safety ratings
• Comparison shop at least every other year

That final tip is particularly critical, as was pointed out in this article. Prices charged by car insurance companies in Virginia adjust frequently, so don’t hesitate to buy from a new company if a lower price can be found.

Many drivers prefer to stick with one company, but it’s not recommended if that stubbornness costs you money that could be going to better use. In just a few minutes you could compare rates to find cheaper insurance for uninsured drivers.