Who Has Cheap Car Insurance Quotes for State Employees in Virginia Beach?

The words “low-priced” and “insurance” really shouldn’t be used together, in particular when searching for the cheapest auto insurance for state employees. Because it’s so expensive, let’s teach you some of the things that can significantly affect insurance prices, and come up with some ideas to lower the price of your next policy.

Determining which companies quote the best auto insurance rates for state employees may require a little more sweat in order to find the lowest price quote.

Every auto insurer uses their own calculation for determining rates, so let’s examine the overall cheapest auto insurance companies in Virginia Beach. We do need to point out that Virginia auto insurance rates are impacted by many things that may substantially change the price you have to pay for coverage. Simply getting older, buying a new vehicle, or getting a ticket for careless driving can trigger changes in premium that may make certain companies more affordable than before.

Best Insurance Companies in Virginia

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Cheapest insurance companies in Virginia
Rank Company Cost Per Year
1 Travelers $659
2 USAA $695
3 Penn National $718
4 Cincinnati Insurance $733
5 Auto-Owners $758
6 Utica National $758
7 The Hartford $785
8 Erie $804
9 Virginia Farm Bureau $834
10 Donegal Mutual $860
11 Nationwide $963
12 ALFA $998
13 GEICO $1,006
14 Allied $1,012
15 National Grange Mutual $1,071
16 Chubb $1,101
17 State Farm $1,110
18 Electric $1,180
19 California Casualty $1,239
20 Amica $1,241
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Travelers normally has some of the cheapest car insurance rates in Virginia Beach at around $659 per year. This is $499 less than the average price paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners would also be considered some of the cheapest Virginia Beach, VA insurance companies.

As illustrated above, if you currently have a policy with Auto-Owners and switched to USAA, you could realize an annual premium reduction of approximately $63. Insureds with Utica National may save as much as $63 a year, and The Hartford customers might cut rates by $90 a year.

Be aware that those rates are averaged for all drivers and vehicles and do not factor in an exact location for state employees. So the company that has the lowest price for you may not even be in the top 30 companies shown above. That’s why you need to compare rates from multiple companies using your own personal information and vehicle type.

One of the more important criteria that are looked at to determine the cost of insurance is the neighborhood you call home in Virginia Beach. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas areas with less people or fewer weather incidents benefit from lower rates.

The following table sorts the most expensive cities in Virginia for state employees to purchase a policy in. Virginia Beach is listed at #15 with an annual premium of $938 for car insurance, which is around $78 monthly.

Car insurance prices in Virginia Beach
Rank City Average Per Year
1 Burke $1,057
2 Alexandria $1,047
3 Lake Ridge $1,042
4 Dale City $1,038
5 Centreville $1,027
6 McLean $1,015
7 Arlington $1,003
8 Reston $983
9 Richmond $975
10 Portsmouth $972
11 Hampton $963
12 Norfolk $960
13 Newport News $958
14 Tuckahoe $939
15 Virginia Beach $938
16 Chesapeake $926
17 Charlottesville $922
18 Danville $912
19 Suffolk $910
20 Leesburg $895
21 Ashburn $893
22 Lynchburg $851
23 Roanoke $807
24 Blacksburg $799
25 Harrisonburg $784
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Premium costs are estimated as specific Virginia Beach garaging address can influence premiums noticeably.

The make and model of vehicle you are trying to insure is probably the largest consideration when trying to find cheap coverage for state employees. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost much more to insure than more modest models.

The next list outlines car insurance costs for a handful of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Virginia Beach, VA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,118
Ford Escape XLT 2WD $1,276
Honda Civic DX 4-Dr Sedan $1,298
Toyota Camry LE $1,322
Chevrolet Malibu LT $1,348
Chevrolet Impala LTZ $1,391
Toyota Prius $1,415
Chevrolet Equinox LTZ AWD $1,418
Jeep Grand Cherokee Limited 4WD $1,425
GMC Sierra 2500HD SLT Crew Cab 4WD $1,485
Ford Edge SEL 2WD $1,487
Honda Odyssey EX $1,492
Ford F-150 XLT Regular Cab 2WD $1,504
Ford Fusion SEL AWD 4-Dr Sedan $1,509
Toyota Camry Hybrid $1,514
Kia Optima EX $1,521
Toyota RAV4 Limited 2WD $1,516
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in vehicle garaging location which can alter coverage prices substantially.

Looking at the rates, we can conclude that vehicles like the Honda CR-V, Ford Escape, and Honda Civic will definitely be a few of the most economical vehicles to insure for state workers.

Best auto insurance in Virginia

Choosing the highest-rated car insurance provider can be challenging considering how many choices you have in Virginia Beach. The ranking information shown next could help you pick which auto insurance companies you want to consider when comparing insurance rates for state employees. These rankings only include the companies with a significant amount of written premium nationwide, so companies that focus mainly on Virginia business are not taken into consideration for this list.

Top 10 Large Car Insurance Companies in Virginia Beach 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

How much more does full coverage cost?

Buying cheaper auto insurance is the goal of the majority of drivers, and one good way to buy cheaper insurance for state employees is to not buy full coverage. The chart below illustrates the comparison of car insurance rates with full coverage and liability only. The data is based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for ages 20 through 70, physical damage coverage costs $1,219 per year over having just liability coverage. That raises the question when is it safe to stop buying full coverage. There is no clear-cut formula that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $7,000 after you pay the deductible. If it’s costing in excess of $700 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

Low rates can quickly become overpriced

Virginia Beach, VA auto insurance rates are calculated based on many things which can substantially change the cost of a policy. Simply improving your credit, adding a teenager to your policy, or getting a speeding ticket may generate price changes resulting in some rates now being cheaper in comparison to the competition.

And not only may your rating factors change, but car insurance companies amend pricing multiple times each year in order to be able to pay unexpected claims. Larger than normal claims can cause increased rates, while a lower level of claims may cause more affordable Virginia Beach car insurance rates.

To illustrate this example, the graph below demonstrates which company has the cheapest car insurance in Virginia Beach, VA for a 40-year-old female driver with no accidents or violations, and a decent credit rating. If we estimate prices based on her current risk factors, Travelers may offer the lowest car insurance rates in Virginia Beach at $791 per year. This is $367 less than the average price paid by Virginia drivers of $1,158. USAA, Cincinnati Insurance, Penn National, and Auto-Owners are also included in the most affordable Virginia Beach, VA auto insurance companies.

Now let’s give the driver from the first example an accident surcharge, a lower credit score, and a few blemishes on her driving record. Since each auto insurer has their own formula to set policy rates, getting updated rate quotes may now present a completely different list of the cheapest Virginia Beach car insurance companies as shown below.

Erie now has the cheapest price in Virginia Beach with The Hartford, Virginia Farm Bureau, Donegal Mutual, and Nationwide also being competitive. This shows why it is critical to shop around to find the most budget-friendly insurance rates for state employees. Car insurance prices can be altered by many factors and can decrease or increase without notice, so the most affordable company three years ago may now be one of the higher cost companies.

The auto insurance agents in Virginia Beach shown below can aid you in deciding which coverages are best, as many people would rather get some professional advice when trying to find lower insurance rates for state employees. It can be difficult to find coverage yourself, and insurance agents can give satisfaction knowing your coverage gives you decent coverage if you have a claim.

To locate a Virginia Beach auto insurance agent near you, click the button following the list.

Glandon Agency
212 87th StVirginia Beach, VA 23451(757) 422-6729

Nationwide Insurance: Chesson Insurance Agency Inc
307 Lynnhaven Pkwy Ste 201Virginia Beach, VA 23452(757) 464-4443

Charlie Hendrick – State Farm Insurance Agent
5350 Kemps River Dr #101Virginia Beach, VA 23464(757) 523-4115

More Virginia Beach, VA insurance agents