How Much are Auto Insurance Quotes for Drivers Under 21 in Virginia?
Enter your Virginia zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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You have probably seen the commercials from companies like Nationwide, The General, and Progressive that say if you switch you’ll get the cheapest rates. So you should just choose one randomly, right?
It’s not quite that easy, unfortunately, as there are many unknown factors such as the miles you drive each year, if you have maintained coverage continuously, and when you were born. This article delves into the best ways to avoid high prices and will hopefully give the reader a good start in finding the cheapest car insurance in Virginia.
Finding decent, affordable auto insurance is not easy, and deciding which companies have the most affordable car insurance rates for drivers under 21 requires even more perseverance. Coverage rates could be much more expensive than the average rate in Virginia due to the additional risk that comes with selling coverage for minors, but reasonably-priced coverage may be attainable if you do a thorough comparison. Each insurance company has a different formula for determining prices, so let’s begin by taking a look at the car insurance companies with the overall cheapest rates in Virginia.
It’s important to know that Virginia car insurance rates are based on many factors that control the price of your policy. Events like a birthday, buying a home, or getting a few speeding tickets can trigger changes in premium that can cause some rates to be higher when they were quite affordable.
Travelers offers some of the cheapest car insurance rates in Virginia at around $679 per year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also are some of the best Virginia car insurance companies.
As the rates illustrate above, if you buy coverage from USAA and switched to Travelers, you could earn annual savings of in the vicinity of $30. Customers with Penn National could save as much as $61 a year, and Cincinnati Insurance customers might realize rate reductions of up to $84 a year.
To see if you’re overpaying, click here to get a free quote or click through to the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Be aware that those premium estimates are averages for all types of insureds and vehicles and do not take into consideration a price surcharge for drivers under 21. So the insurer that can offer the best rates for your situation may not even be in the rate chart shown above. That emphasizes why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
The vehicle driven is one of the largest considerations when consumers are trying to find cheap car insurance for drivers under 21 in Virginia. Vehicles with limited top-end speed, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models.
The data below estimates coverage prices for a selection of the most budget-friendly automobiles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,720|
|Ford Escape XLT 2WD||$1,726|
|Honda CR-V LX 2WD||$1,720|
|Hyundai Elantra SE Touring Station Wagon||$1,883|
|Volkswagen Jetta S 2.5 Station Wagon||$1,890|
|Ford Explorer XLT 2WD||$1,905|
|Toyota Highlander 2WD||$1,915|
|Ford F-150 XLT Super Cab 2WD||$1,905|
|Chevrolet Traverse LTZ AWD||$1,917|
|Subaru Forester X AWD||$1,910|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$2,036|
|Nissan Altima 2.5 4-Dr Sedan||$2,042|
|Chevrolet Malibu Hybrid||$2,050|
|Dodge Grand Caravan Hero||$2,042|
|Hyundai Tucson Limited 2WD||$2,047|
|Toyota RAV4 Limited 4WD||$2,042|
|Start a Quote Go|
Premium data assumes single male driver age 19, 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 your specific Virginia location which can influence coverage rates significantly.
Based upon the rates shown, we can conclude that models like the Honda Accord, Ford Escape, Honda CR-V, and Hyundai Elantra are going to be some of the cheaper vehicles to insure for minors. Prices will trend higher because of the fact that there is more liability exposure for drivers under 21, but overall those specific models will tend to have the cheapest auto insurance rates that you are likely to find.
Get discounts on Virginia car insurance rates
Insurers that offer cheap car insurance for drivers under 21 in Virginia may have premium discounts that could potentially reduce rates by 35% or more if you are eligible for them. Popular car insurance companies and some of the premium reductions they offer are detailed below.
|Defensive driver training||Yes||Yes||Yes||Yes||Yes|
|Paid in full||Yes||Yes||Yes||No||Yes|
|Student away from home||Yes||Yes||No||Yes||Yes|
|Compare Rates Now Go|
The diagram below illustrates the difference between auto insurance rates with and without discounts applied. The price estimates are based on a female driver, no claims or violations, Virginia state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with anti-theft, passive restraint, multiple policy, defensive driving course, claim-free, and accident-free discounts applied. In this example, the average savings per year on car insurance for drivers under 21 is % or $.
Responsible drivers pay cheaper car insurance rates
The best way to obtain the most affordable car insurance rates for minors is to drive safe and have a clean driving record. The diagram below demonstrates how traffic citations and fender-benders can raise auto insurance rates for each age group. The rates are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.
In the example above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,125. Get written up for one speeding ticket and the average cost swells to $1,313, an increase of $189 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of car insurance for drivers under 21 increases to an average of $3,073. That’s an increase of $1,948, or $162 per month, just for not driving carefully!
How to find the cheapest car insurance for drivers under 21
The list below shows some of the better money-saving suggestions that can help Virginia drivers get more affordable car insurance.
- Do not get into accidents
- Avoid getting citations and tickets
- Bundle home or renters insurance to earn a discount on car insurance
- Pay less by remaining claim-free
- Drive safe vehicles
- Don’t waste money on full coverage for older vehicles
- Comparison shop frequently
That last piece of advice is extremely vital, as was discussed in this article. Insurance rates can be changed at any time, so you should be ready to change to a new company if a lower price can be found. We understand brand loyalty, but it’s not a good idea if it’s costing you thousands of dollars over several years. In just a few minutes you could compare prices and find cheaper auto insurance for drivers under 21.
Who has the cheapest insurance quotes for minors?
There are quite a few ways to purchase car insurance in Virginia, but the most common are through an exclusive agency such as Liberty Mutual or Allstate, an independent or non-exclusive agent, or direct either online or via phone.
Each way is similar, but shoppers should understand the differences in how they give price quotes.
Independent insurance agencies have contracts with many companies and can compare coverage rates with every one. Independent agents have the freedom to provide you with more rate quotes, which can help you get a better chance of saving money. If premiums increase, they simply move your policy to a different company and you don’t have to find a new agent.
Exclusive agents are ‘exlusive’ to a single insurance company, two of the more popular are a Liberty Mutual or State Farm agent. Exclusive agencies are unable to give you multiple price quotes, so they are skilled at selling on more than just price.
Buying from a direct company means do not use local agents and instead buy direct either online or via phone. This car insurance option is good for drivers who have fewer assets and know how their policy works.
Out of those three methods, which one works best to buy cheap car insurance for drivers under 21 in Virginia? Our initial answer would be shopping direct yields the cheapest rates because there is no agent involved, but in reality, that is not the case. We could also assume that an independent agent results in the best rates since they can quote with many companies, but that assumption is also not necessarily accurate. And often times, the exclusive agents have extremely competitive rates that are well below what direct and independents offer.
Due to the fact that car insurance rates vary so much, really the best method to get rock-bottom rates is to compare rate quotes from as many companies as possible. In a perfect world, youll get price quotes from all three in order to find the best price. To see some of the cheapest online companies available, click here to view.
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