Who Has Cheap Car Insurance Quotes for Safe Drivers in Virginia?

Our editors keep telling us that when writing about car insurance, the words “affordable” or “cheap” really should not be used anywhere in the article to describe car insurance prices. Regardless, cheap car insurance for safe drivers is just plain contradictory. Don’t let that bother you, though, because we are going to show you some ways you can find and buy insurance that is cheaper than what you are paying now.

One of the many factors that car insurance companies take into consideration when calculating auto insurance rates is where your car is garaged in Virginia. Densely populated urban areas like Dale City, Alexandria, and Lake Ridge tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.

The information below illustrates the most expensive areas in Virginia for safe drivers in which to buy car insurance.

Rate quotes are estimated as the specific Virginia residence address can revise insurance rates greatly.

Everyone has different tastes in autos, and the style of vehicle you are buying coverage for is a large consideration when looking for cheap auto insurance for safe drivers in Virginia. Vehicles with lower performance, advanced safety features, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models.

The next tables illustrates auto insurance premiums for the cheaper automobiles to buy insurance for.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Information does not factor in vehicle garaging location which can lower or raise auto insurance rates substantially.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in the specific area where the vehicle is garaged which can modify premium rates considerably.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in specific Virginia garaging location which can modify coverage prices considerably.

Buying low-priced auto insurance is challenging, and determining which company quotes the most affordable car insurance rates for safe drivers requires even more shopping around. Coverage prices will most likely be a little bit lower-priced than the state average, with the lower cost attributed to the lower risk related to selling coverage for good drivers. Competitive insurance should be available from many preferred companies.

Each insurance company uses their own calculation to set premium rates, so let’s take a look at the most competitive car insurance companies in Virginia.

Best Car Insurance Prices for Safe Drivers

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Travelers quotes some of the cheapest car insurance rates in Virginia at around $673 per year. USAA, Penn National, Auto-Owners, and Cincinnati Insurance would also make the list of some of the best Virginia auto insurance companies.

As shown in the table above, if you are currently insured with USAA and switched to Travelers, you may see a yearly price reduction of upwards of $22. Insureds with Penn National could save as much as $67 a year, and Auto-Owners customers might lower prices by up to $85 a year.

It’s important to note that these rates are averages for all drivers and vehicles in Virginia and do not factor in a rate decrease for safe drivers. So the company that fits you best may not even be shown in the rate chart shown above. That’s why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Picking the right auto insurance company can be rather challenging considering how many different companies insure vehicles in Virginia. The rank data shown below could help you choose which auto insurance companies to look at when comparing rate quotes. These ratings are only made up of companies with a national presence, so smaller companies are not included in these rankings.

Top 10 Large 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%

Top 10 Large Car Insurance Companies in Virginia Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

The information below shows how choosing a deductible can impact yearly insurance costs when quoting cheap insurance for safe drivers. The rate quotes are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could lower their car insurance rates by $286 a year by switching from a $100 deductible up to a $500 deductible, or save $430 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, could possibly save $956 annually by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it will be important to have emergency funds available to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.