Who Has the Cheapest Auto Insurance Quotes for Teachers in Virginia Beach?

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.

Cheapest Vehicles to Insure in Virginia Beach, VA
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
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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.

How much is auto insurance in Virginia Beach, VA?
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
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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

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Who has the cheapest car insurance in Virginia?
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
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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.

Top Ten Insurance Companies for Teachers in Virginia Beach, VA
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
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Data Source: Insure.com Best Car Insurance Companies

How to get discounts on Virginia Beach auto insurance

Cheaper Virginia Beach, VA insurance for teachers and educatorsInsurance 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.

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.

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.

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