The vehicle requiring insurance is a large factor when comparing the cheapest car insurance for drivers with accidents. Vehicles with higher performance characteristics, poor safety ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models.
The next table illustrates coverage prices for a number of the most budget-friendly vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$2,691|
|Ford Escape XLT 4WD||$2,823|
|Ford F-150 XL Regular Cab 2WD||$2,833|
|Dodge Grand Caravan SE||$2,825|
|Jeep Wrangler Rubicon 4WD 2-Dr||$2,834|
|Honda Odyssey EX W/Rear Entertainment||$2,946|
|Toyota Tacoma Double Cab 4WD||$2,978|
|Hyundai Elantra SE Touring Station Wagon||$2,995|
|Chevrolet Malibu LT||$3,011|
|Ford Explorer XLT 4WD||$3,129|
|Toyota Camry SE||$3,132|
|Ford Edge SE AWD||$3,153|
|Ford Focus SE 4-Dr Sedan||$3,158|
|Honda Civic DX 4-Dr Sedan||$3,153|
|Ford Fusion SEL 4-Dr Sedan||$3,164|
|Toyota RAV4 2WD||$3,187|
|Jeep Grand Cherokee Laredo 4WD||$3,194|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$3,222|
|Chevrolet Impala LS||$3,262|
|Nissan Altima 2.5 4-Dr Sedan||$3,301|
|Chevrolet Equinox LTZ AWD||$3,387|
|Volkswagen Jetta SE 4-Dr Sedan||$3,392|
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Data assumes single female driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes noticeably.
Based upon the rates shown, you can assume that makes and models like the Honda CR-V, Ford Escape, Ford F-150, and Dodge Grand Caravan are going to be the cheapest vehicles to insure for drivers with at-fault accidents. Rates will trend higher because of the fact that there is more liability exposure for drivers with accidents, but overall those specific models will most likely have the cheapest rates compared to other vehicles.
Buying budget insurance is difficult, and figuring out which companies offer the lowest-priced car insurance rates for drivers with accidents may require even more diligence. Each insurer uses different criteria for determining rates, so let’s take a look at the most budget-friendly car insurance companies in Virginia Beach.
Best Cheap Insurance Rates for Accident Prone Drivers
|Rank||Company||Cost Per Year|
|9||Virginia Farm Bureau||$802|
|15||National Grange Mutual||$1,060|
|Quote Your Rates Go|
Travelers normally has some of the lowest car insurance rates in Virginia Beach at around $673 a year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also rank well as some of the cheaper Virginia Beach, VA insurance companies.
As shown in the rates above, if you currently have a policy with Cincinnati Insurance and switched to Travelers, you could earn a yearly savings of roughly $68. Drivers with Auto-Owners may save as much as $85 a year, and Erie policyholders might lower prices by up to $107 a year.
To discover how much you can save, click here or quote rates from the companies below.
Understand that those estimates are averaged for all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for drivers with accidents. So the insurer that fits your situation best may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.
Get discount Virginia Beach insurance
Insurance providers that provide policies for drivers with accidents may have discounts that may potentially lower prices by as much as 25% or more if you are eligible for them. Companies and the discounts they provide are included below.
- Progressive has discounts for continuous coverage, multi-vehicle, homeowner, online quote discount, good student, multi-policy, and online signing.
- The Hartford policyholders can earn discounts including good student, driver training, bundle, defensive driver, and vehicle fuel type.
- Mercury Insurance may include discounts for good driver, multi-car, anti-theft, type of vehicle, age of vehicle, multi-policy, and good student.
- GEICO discounts include anti-theft, seat belt use, membership and employees, federal employee, and daytime running lights.
- AAA has savings for anti-theft, good driver, multi-car, multi-policy, education and occupation, AAA membership discount, and good student.
- State Farm offers discounts for safe vehicle, anti-theft, multiple autos, good driver, good student, and student away at school.
The illustration below illustrates the difference between auto insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, two accidents and no citations, Virginia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, multiple vehicle, paperless filing, continuous coverage, passive restraint, and paid-in-full discounts applied. When discounts are applied, the average amount saved each year on car insurance for drivers with accidents is 28% or $936.
Careless drivers pay higher rates
The best way to earn the best car insurance rates for drivers with at-fault accidents is to be a good driver and avoid accidents and traffic violations. The chart below shows how speeding tickets and at-fault fender-benders raise yearly insurance costs for different ages of insureds. The information is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,123. Factor in two speeding tickets and the average cost rises to $1,494, an increase of $372 each year. Then include one accident along with the two speeding tickets and the 12-month cost of car insurance for drivers with accidents goes up to an average of $1,874. That’s an increase of $751, or $63 per month, just for not maintaining a clean driving record!
What is the best car insurance company in Virginia Beach?
Choosing the right car insurance provider can be a challenge considering how many companies there are in Virginia. The rank data shown next may help you pick which auto insurers to look at when shopping around.
These rankings are for the largest companies in America, so smaller regional companies are not included in this list. To view rates from these top-rated insurers and more, click this link.
Top 10 Large Auto Insurers Overall in Virginia Beach
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
The importance of comparing Virginia Beach car insurance rates
Virginia car insurance rates are determined by lots of factors which can substantially decrease or increase your annual premium. Simply turning a year older, having a teen driver, or getting a ticket for running a stop sign can cause premium changes that may make certain companies more affordable than others. Not only may things change on your end, but insurance companies change the rates they charge in Virginia every year to adjust for unexpected claims or profits. Larger than normal claims may result in increased policy costs, while a better loss history may result in lower-cost Virginia Beach car insurance rates.
To help illustrate this point, the data below shows the company with the cheapest car insurance in Virginia Beach, VA for a 30-year-old male driver with a clear driving record, no claims, and a high credit rating. If we look at prices based on his current rating profile, Travelers might quote the cheapest car insurance rates in Virginia Beach at $758 annually. This is $400 less than the average rate paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and The Hartford are also included in the most affordable Virginia Beach, VA auto insurance companies.
Now we will give the driver from the first example an accident claim, a little lower credit rating, and a speeding citation. Because every insurance company has a unique approach for setting prices, comparing prices may now show a completely different list of companies as shown below.
Utica National now has the lowest price in Virginia Beach with Auto-Owners, Virginia Farm Bureau, Donegal Mutual, and Nationwide also having competitive pricing. This example illustrates why it is critical to compare as many rates as possible to get the cheapest car insurance rates for drivers with accidents. Insurance rates are made up of many factors and change dramatically, so the best company when you last compared rates may now be wasting a lot of money.