The type of vehicle that needs insurance is a significant factor in finding the most affordable insurance for teachers. Vehicles with lots of horsepower, a lack of advanced safety features, or high incidents of liability claims will cost quite a bit more to insure than more modest models.
The list below outlines auto insurance premiums for a handful of the cheaper vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,142 |
| Ford F-150 STX Regular Cab 2WD | $1,228 |
| Ford Explorer Eddie Bauer 2WD | $1,252 |
| Honda Civic DX 4-Dr Sedan | $1,298 |
| Toyota Camry LE | $1,322 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,391 |
| Honda CR-V EX 4WD | $1,403 |
| Ford Edge SE 2WD | $1,406 |
| Toyota Prius | $1,415 |
| Toyota Corolla XRS | $1,418 |
| Chevrolet Equinox LTZ 2WD | $1,427 |
| Dodge Grand Caravan SE | $1,435 |
| GMC Sierra 3500HD SLE Regular Cab 2WD | $1,442 |
| Toyota RAV4 Limited 4WD | $1,516 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,545 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,595 |
| Hyundai Elantra SE 4-Dr Sedan | $1,602 |
| Chevrolet Impala LTZ | $1,595 |
| Volkswagen Jetta 2.0T Station Wagon | $1,610 |
| Chevrolet Malibu LS | $1,622 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,624 |
| GMC Sierra SLE Crew Cab 2WD | $1,634 |
| Kia Optima LX | $1,624 |
| Find Cheaper Rates Go | |
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in specific Virginia Beach, VA garaging location which can affect insurance rates substantially.
Looking at the numbers, you can infer that makes and models like the Ford Escape, Ford F-150, Ford Explorer, Honda Civic, and Toyota Camry should be some of the less-costly vehicles to insure for teachers and educators.
One of the many components that aid in calculating the cost of insurance is where you keep your car. Cities with larger populations tend to have more expensive auto insurance rates, whereas less populated areas benefit from having to pay less for coverage.
The information below lists the most expensive places in Virginia for teachers to buy auto insurance in. Virginia Beach comes in at #18 having an annual price of $920 for the average policy, which is around $77 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Burke | $1,037 |
| 2 | Lake Ridge | $1,032 |
| 3 | Alexandria | $1,016 |
| 4 | Richmond | $1,015 |
| 5 | Dale City | $1,008 |
| 6 | Centreville | $1,007 |
| 7 | Arlington | $1,003 |
| 8 | McLean | $995 |
| 9 | Hampton | $963 |
| 10 | Norfolk | $960 |
| 11 | Tuckahoe | $957 |
| 12 | Reston | $954 |
| 13 | Danville | $950 |
| 14 | Portsmouth | $943 |
| 15 | Ashburn | $929 |
| 16 | Leesburg | $922 |
| 17 | Newport News | $920 |
| 18 | Virginia Beach | $920 |
| 19 | Suffolk | $910 |
| 20 | Chesapeake | $899 |
| 21 | Charlottesville | $886 |
| 22 | Lynchburg | $843 |
| 23 | Roanoke | $823 |
| 24 | Harrisonburg | $776 |
| 25 | Blacksburg | $775 |
| Compare Prices Now Go | ||
Premium costs are comparative as specific location information can raise or lower premiums noticeably.
Locating cost effective auto insurance is confusing at best, and finding out which companies have the most affordable insurance rates for teachers will involve even more diligence. Each auto insurance company has their own unique process to set premium rates, so let’s begin by taking a look at the most budget-friendly insurance companies in Virginia Beach.
We do need to point out that Virginia Beach insurance rates are based on many factors which can significantly increase or decrease the cost of your policy. This price fluctuation is why Virginia drivers need to do a thorough rate comparison when trying to get cheap auto insurance rates for teachers. Rates are influenced by many factors and can change substantially, so the best option when you last compared rates may now be one of the higher cost companies.
Cheap Insurance Rates for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $659 |
| 2 | USAA | $709 |
| 3 | Cincinnati Insurance | $733 |
| 4 | Penn National | $748 |
| 5 | Auto-Owners | $758 |
| 6 | Utica National | $758 |
| 7 | Erie | $780 |
| 8 | The Hartford | $785 |
| 9 | Virginia Farm Bureau | $826 |
| 10 | Donegal Mutual | $878 |
| 11 | Nationwide | $925 |
| 12 | ALFA | $988 |
| 13 | GEICO | $996 |
| 14 | Allied | $1,012 |
| 15 | National Grange Mutual | $1,071 |
| 16 | State Farm | $1,143 |
| 17 | Chubb | $1,145 |
| 18 | Electric | $1,228 |
| 19 | California Casualty | $1,251 |
| 20 | Progressive | $1,259 |
| Get a Custom Quote Go | ||
Travelers offers some of the lowest car insurance rates in Virginia Beach at around $659 a year. USAA, Cincinnati Insurance, Penn National, and Auto-Owners would also be considered some of the cheaper Virginia Beach, VA insurance companies.
In this example, if you currently buy coverage from Penn National and switched to USAA, you might realize annual savings of in the neighborhood of $39. Customers with Auto-Owners may save as much as $49 a year, and Utica National customers might lower prices by up to $49 a year.
Be aware that those policy prices are averages for all drivers and vehicles and do not take into consideration a specific zip code for teachers. So the company that has the lowest price for you may not even be in the top 30 companies shown above. That helps illustrate why you need to compare rates from multiple companies using your own driver data and vehicle information.
Ending up with the highest-rated insurer can be challenging considering how many companies there are in Virginia Beach. The rank data shown next can help you select which providers you want to consider comparing prices from.
The ratings below are only made up of major nationwide insurance companies, so companies with more of a regional focus will not be included in the list. To compare prices from the insurers below and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Virginia Beach auto insurance
Insurance companies that sell policies for teachers may also provide policy discounts that could reduce prices by as much as 35% or more if you are eligible. The best insurance companies and some of the discounts are shown below.
- Farmers Insurance may have discounts that include good student, switch companies, youthful driver, multi-car, distant student, and electronic funds transfer.
- Esurance has discounts for homeowner, online shopper, emergency road assistance, paid-in-full, Switch & Save, and multi-car.
- State Farm may include discounts for driver’s education, multiple autos, anti-theft, multiple policy, student away at school, and accident-free.
- GEICO includes discounts for federal employee, multi-vehicle, military active duty, multi-policy, and daytime running lights.
- Allstate offers premium reductions for resident student, premier plus, defensive driver, premier discount, FullPay discount, and teenSMART discount.
The diagram below illustrates the difference between car insurance rates with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or violations, Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, anti-theft, marriage, accident-free, safe-driver, and defensive driving course discounts applied. In this example, the average amount saved each year on insurance for teachers is 28% or $404.
Tips for buying low-cost car insurance for teachers
Below you’ll find some money-saving ideas that can help Virginia Beach drivers quote lower-cost car insurance.
- Try to pay small claims out-of-pocket
- Pay lower rates with good credit
- Prevent price hikes by avoiding at-fault accidents
- Bundle car and home insurance and save money
- Drive safely
- Increase your policy deductibles
- Ensure you have the best deal by shopping around regularly
The last idea is extraordinarily crucial, as we pointed out in this article. Auto insurance rates change constantly, so you should be ready to switch to a new company if a lower-cost policy is available. Having brand loyalty is commendable, but it’s not a good idea if that faithfulness ends up costing you major coinage every year. Take a few minutes and shop around to find cheaper auto insurance for teachers in Virginia Beach.
The Virginia Beach auto insurance agencies shown below can probably aid you in deciding which auto insurance coverages would be the best in your situation, as lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when shopping for the best coverage for teachers. It can be time-consuming to find the cheapest auto insurance company, and getting advice from a licensed agent can give satisfaction knowing you have sufficient protection if you have a claim. To locate a Virginia Beach insurance agent close to where you live, click the link at the bottom.
- Huffman Insurance Agency
5541 Parliament Dr #209 – Virginia Beach, VA 23462 – (757) 200-3183 - Sharon Lynch – State Farm Insurance Agent
3617 Dam Neck Rd – Virginia Beach, VA 23453 – (757) 430-9000 - Bill Cooper Jr – State Farm Insurance Agent
421 S Witchduck Rd – Virginia Beach, VA 23462 – (757) 490-2744