The vehicle to be insured is probably the largest consideration when trying to find the most economical car insurance for hybrid vehicles. Vehicles with lower acceleration and performance, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than high performance models. The list below shows coverage premiums for some of the cheaper automobiles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,189 |
| Jeep Grand Cherokee Laredo 4WD | $1,375 |
| Toyota Tacoma Double Cab 4WD | $1,402 |
| Honda Accord LX 4-Dr Sedan | $1,424 |
| Honda CR-V LX 2WD | $1,429 |
| Toyota Corolla XLE | $1,446 |
| Ford F-150 XLT Regular Cab 2WD | $1,465 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,473 |
| Toyota Prius | $1,481 |
| Ford Edge SEL AWD | $1,549 |
| Ford Focus SE 4-Dr Sedan | $1,559 |
| Honda Odyssey LX | $1,561 |
| Toyota RAV4 Limited 2WD | $1,578 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $1,598 |
| Chevrolet Impala LS | $1,651 |
| Hyundai Elantra SE 4-Dr Sedan | $1,661 |
| GMC Sierra SL Crew Cab 4WD | $1,690 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,697 |
| Chevrolet Equinox LTZ AWD | $1,690 |
| Honda Civic EX-L 2-Dr Coupe | $1,710 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in Virginia Beach, VA location which can modify insurance rates greatly.
Looking at the data, you can expect models like the Ford Escape, Jeep Grand Cherokee, and Toyota Tacoma are going to be the most economical vehicles to insure for hybrids.
For hybrids, one of the big criteria that help determine car insurance rates is the neighborhood you call home. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The table below ranks the highest-priced areas in Virginia for hybrid vehicles to purchase car insurance in. Virginia Beach ranks #14 with the yearly price of $938 on average, which is approximately $78 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Dale City | $1,038 |
| 2 | Alexandria | $1,036 |
| 3 | Burke | $1,026 |
| 4 | McLean | $1,025 |
| 5 | Lake Ridge | $1,002 |
| 6 | Centreville | $997 |
| 7 | Arlington | $983 |
| 8 | Richmond | $975 |
| 9 | Hampton | $972 |
| 10 | Norfolk | $970 |
| 11 | Tuckahoe | $967 |
| 12 | Reston | $963 |
| 13 | Portsmouth | $963 |
| 14 | Virginia Beach | $938 |
| 15 | Leesburg | $931 |
| 16 | Newport News | $930 |
| 17 | Danville | $912 |
| 18 | Suffolk | $910 |
| 19 | Chesapeake | $908 |
| 20 | Ashburn | $902 |
| 21 | Charlottesville | $895 |
| 22 | Lynchburg | $869 |
| 23 | Roanoke | $799 |
| 24 | Blacksburg | $799 |
| 25 | Harrisonburg | $776 |
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Table data uses estimated as the specific area where the vehicle is garaged can increase or decrease auto insurance rates noticeably.
Impact of violations and accidents on rates
The common sense way to receive the cheapest auto insurance premiums for hybrids is to drive safely and avoid tickets and accidents. The diagram below illustrates how traffic citations and at-fault claims increase premium costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
The chart shows that the average cost of auto insurance in Virginia Beach per year with no violations or accidents is $1,162. Factor in two speeding tickets and the average cost increases to $1,601, an increase of $440 each year. Now include one accident along with the two speeding tickets and the annual cost of auto insurance for hybrid vehicles jumps again to an average of $2,038. That’s an increase of $876, or $73 per month, just for not driving carefully!
Types of discounts on Virginia Beach car insurance rates
Car insurance companies that provide policies for hybrid vehicles may also provide discounts that can reduce rates by as much as 35% or more if you meet specific criteria. A few popular companies and a summarized list of policyholder discounts are shown below.
- GEICO may offer discounts for daytime running lights, good student, air bags, anti-lock brakes, and seat belt use.
- Auto-Owners Insurance may have discounts that include safe vehicle, anti-lock brakes, multi-policy, company car, and safe driver.
- American Family policyholders can earn discounts including good driver, defensive driver, bundled insurance, multi-vehicle, and TimeAway discount.
- Esurance has discounts for paid-in-full, renters, Pac-12 alumni, homeowner, online shopper, online quote, and multi-policy.
- Progressive offers discounts including multi-vehicle, online signing, homeowner, continuous coverage, good student, and multi-policy.
- State Farm offers discounts for driver’s education, student away at school, Steer Clear safe driver discount, defensive driving training, multiple policy, and passive restraint.
- AAA includes discounts for education and occupation, good student, good driver, pay-in-full, AAA membership discount, anti-theft, and multi-car.
The diagram below shows the comparison of yearly insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims or driving violations, Virginia state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple policy, anti-theft, vehicle safety, claim-free, marriage, and safe-driver discounts applied. With discounts applied, the average savings per year on auto insurance for hybrid vehicles is 27% or $386.
Ending up with the highest-rated car insurance company can be rather challenging considering how many choices you have in Virginia. The company ratings in the next section could help you choose which auto insurance companies to look at to insure your vehicles.
The ratings below are for companies that insure vehicles nationwide, so smaller regional companies are not factored into this list. To compare prices from these and other competitive companies, simply click here.
Top 10 Large Auto Insurers Overall in Virginia Beach
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Large Auto Insurers in Virginia Beach Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- Erie Insurance
- Esurance
- The General
Your low-price policy may be costing you money
Virginia auto insurance rates are impacted by many factors that may substantially change the policy premium. Improving your credit rating, buying a different vehicle, or getting a few speeding tickets can trigger changes in premium that can cause some rates to be more affordable than before. Not only that, but auto insurance companies file new Virginia car insurance rates as often as every quarter in order to protect their financial rating. Larger than normal claims can cause more expensive premiums, while a better loss history may produce lower-priced Virginia Beach car insurance rates.
To help illustrate this point, the data below shows rates for the cheapest car insurance in Virginia Beach, VA for a 35-year-old male driver with no prior accidents, a clean driving record, and great credit. When comparing rates based on his personal profile, Travelers quotes the most affordable car insurance rates in Virginia Beach at $831 a year. This is $327 less than the average rate paid by Virginia drivers of $1,158. USAA, Cincinnati Insurance, Penn National, and Utica National are the remainder of the top five cheapest Virginia Beach, VA auto insurance companies.
Let’s now give the driver from the first set of rates a chargeable accident, bad credit, and a stop sign violation. Due to the fact that every insurance company has their own process for determining prices, analyzing rates most likely will result in a new list of affordable Virginia Beach car insurance companies as shown below.
Erie now has the best auto insurance rate in Virginia Beach, VA with The Hartford, Virginia Farm Bureau, Donegal Mutual, and USAA completing the list. This example demonstrates why drivers need to perform a complete rate comparison to find the lowest insurance rates for hybrid vehicles. Car insurance prices are influenced by many different factors and can increase or decrease at any time, so the lowest-price company when you last compared rates may now be priced much higher than other options.