Q: How do you lower auto insurance in Virginia?

Sign up for telematics programs like State Farm’s Drive Safe & Save or Nationwide’s SmartRide, improve your credit score, raise deductibles, bundle with home or renters insurance, and compare quotes online every few months to lower car insurance in Virginia.

Question 1

How do you lower auto insurance in Virginia?

Accepted Answer

Sign up for telematics programs like State Farm&#8217;s Drive Safe & Save or Nationwide&#8217;s SmartRide, improve your credit score, raise deductibles, bundle with home or renters insurance, and compare quotes online every few months to lower car insurance in Virginia.

Question 2

What is the best auto insurance company in Virginia?

Accepted Answer

The best car insurance in Virginia often comes from State Farm and Nationwide for safe drivers using telematics.

Question 3

Will auto insurance rates in Virginia go down?

Accepted Answer

Car insurance rates in Virginia are unlikely to go down due to rising repair costs, more frequent severe weather events, and increased uninsured motorist claims in areas like Portsmouth and Richmond. The growing use of traffic collision reconstruction in complex accidents is also leading to longer investigations and higher claim settlements, further driving up premiums.

Question 4

Is State Farm a good auto insurance company in Virginia?

Accepted Answer

Yes, State Farm is a good car insurance company in Virginia, offering full coverage starting at $103 a month, up to 30% off through Drive Safe & Save, and a strong A++ A.M. Best financial strength rating.

Question 5

What is the cheapest insurance in Virginia?

Accepted Answer

The cheapest car insurance in Virginia often comes from USAA for eligible military families, but non-military drivers can find low rates from State Farm and Progressive, with minimum coverage starting under $50 per month in some ZIP codes.

Question 6

Why is auto insurance going up in Virginia?

Accepted Answer

Car insurance is going up in Virginia due to an increase in distracted driving accidents, rising labor and parts costs, and higher claims volume in cities like Virginia Beach, which sees over 7,000 accidents annually. Many drivers are also reassessing collision and comprehensive auto insurance as repair costs climb, with more opting for broader coverage to protect against both crashes and non-accident-related damage.

Question 7

Which insurance provider has the greatest customer satisfaction rate in Virginia?

Accepted Answer

USAA ranks highest in customer satisfaction in Virginia but is limited to military families; Erie and State Farm also score well for customer service and claims handling, according to J.D. Power regional studies.

Question 8

Is Geico auto insurance higher than Progressive in Virginia?

Accepted Answer

Who is cheaper in Virginia, Geico or Progressive? Geico is typically cheaper than Progressive for minimum coverage in Virginia, but Progressive may be lower for drivers with DUIs or long commutes when using its Snapshot program for custom rates.

Question 9

Does AARP offer auto insurance in Virginia?

Accepted Answer

Yes, AARP offers car insurance in Virginia for seniors through The Hartford, providing unique benefits like RecoverCare coverage, which helps with household services after an accident, and a 12-month locked-in premium. Compare The Hartford vs. Auto Club Enterprises to learn more.

Question 10

Which insurance company is best at paying claims in Virginia?

Accepted Answer

State Farm and USAA are best at paying claims in Virginia, with fast claims response times, strong financial backing, and low complaint ratios according to NAIC data.

Question 11

Is State Farm cheaper than Erie auto insurance in Virginia?

Accepted Answer

State Farm is often cheaper than Erie in Virginia for drivers using Drive Safe & Save, but Erie can offer better base rates for experienced drivers with no tickets or accidents in the last five years.

Question 12

Is Liberty Mutual a good insurance company in Virginia?

Accepted Answer

Liberty Mutual is a good choice in Virginia for drivers looking for custom parts coverage or high anti-theft discounts up to 35%.

Question 13

What is the average auto insurance rate in VA?

Accepted Answer

The average car insurance rate in VA is around $103 per month for full coverage and $47 for minimum liability, though rates can be over $160 per month in urban areas like Norfolk or Alexandria. To find the best fit for your driving profile, it&#8217;s smart to get multiple auto insurance quotes and compare real-time rates side by side.

Question 14

At what age is car insurance most expensive in Virginia?

Accepted Answer

Car insurance is most expensive in Virginia between the ages of 16 and 20, with teens often paying over $300 per month for full coverage. At what age should your auto insurance go down in Virginia? Rates typically drop around age 25, especially if you&#8217;ve kept a clean record and built a good credit score, both of which heavily impact your rate.

Question 15

What is the best auto insurance in Virginia for young drivers?

Accepted Answer

State Farm offers the best car insurance in Virginia for young drivers with up to 25% off for good students and extra savings through Drive Safe & Save. Geico is also a top choice for low base rates and family policy discounts. Discover which Virginia insurers offer lower rates when you enter your ZIP code.

Question 16

Should you shop for auto insurance every year in Virginia?

Accepted Answer

Yes, you should shop car insurance every year in Virginia, especially if your driving habits, credit score, or ZIP code have changed—this helps ensure you&#8217;re not missing out on better deals or new discounts. It&#8217;s also important to understand what happens if you cancel your auto insurance, as even a short lapse in coverage can lead to penalties, higher rates, or legal issues.

Question 17

Should you keep old auto insurance in Virginia?

Accepted Answer

Only keep your old car insurance in Virginia if it still offers competitive rates and discounts; otherwise, review your policy annually and compare it to new quotes to avoid overpaying.

Question 18

Which insurance is best for a car after 10 years in Virginia?

Accepted Answer

For cars older than 10 years, liability-only policies from Geico or State Farm are often best in Virginia, especially if the vehicle&#8217;s value is less than the annual premium plus deductible. Drivers in this situation should carefully evaluate their needs before they buy auto insurance to avoid overpaying for coverage they&#8217;re unlikely to use.

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