Who Has the Cheapest Auto Insurance for Uninsured Drivers in Virginia Beach?

This would be a much quicker read if we could tell you the company that has the most affordable insurance in Virginia. Unfortunately, it’s just not that easy, as there are a lot of unknown elements like if you have a spouse, whether or not you are currently insured, how high your deductibles should be, and if you are a homeowner or renter, that all impact the cost of your policy. In this article, we will teach you about the best ways to save money and will hopefully give you a good beginning to your quest for cheaper car insurance in Virginia Beach.

One of the more important components that are looked at to determine insurance cost is where you normally keep your vehicle in Virginia Beach. Areas with high crime rates or more dense population likely pay more, whereas areas with less people or fewer weather incidents get the luxury of paying less.

The following table ranks the most costly cities in Virginia for uninsured drivers in which to purchase auto insurance. Virginia Beach makes the list at #19 costing $910 for the average insurance policy, which is approximately $76 each month.

How much is auto insurance in Virginia Beach, VA?
Rank City Annual Rate
1 Centreville $1,037
2 Lake Ridge $1,032
3 Burke $1,026
4 McLean $1,025
5 Alexandria $1,016
6 Richmond $1,005
7 Dale City $998
8 Norfolk $990
9 Arlington $973
10 Hampton $963
11 Reston $954
12 Portsmouth $943
13 Danville $940
14 Suffolk $937
15 Tuckahoe $929
16 Ashburn $929
17 Leesburg $922
18 Newport News $920
19 Virginia Beach $910
20 Chesapeake $908
21 Charlottesville $886
22 Lynchburg $869
23 Roanoke $823
24 Blacksburg $799
25 Harrisonburg $784
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Prices are approximated as zip code location can modify rates noticeably.

Deciding which companies offer the lowest-priced car insurance rates for uninsured drivers involves more time than just getting one or two price quotes.

Every car insurance company has a different process to set premium rates, so we need to take a look at the car insurance companies with the overall cheapest rates in Virginia Beach, VA. It’s a good idea to be aware that Virginia car insurance rates are calculated based on many things that may substantially change the price you pay for coverage. Getting older, becoming a homeowner, or getting a reckless driving citation can trigger changes in premium resulting in some rates now being more affordable than the competition.

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Cheapest Virginia auto insurance companies
Rank Company Cost Per Year
1 Travelers $659
2 USAA $695
3 Penn National $740
4 Cincinnati Insurance $741
5 Auto-Owners $758
6 The Hartford $777
7 Utica National $788
8 Erie $812
9 Virginia Farm Bureau $834
10 Donegal Mutual $852
11 Nationwide $935
12 Allied $992
13 ALFA $1,018
14 GEICO $1,036
15 National Grange Mutual $1,071
16 Chubb $1,134
17 State Farm $1,143
18 Electric $1,180
19 Amica $1,229
20 California Casualty $1,251
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Travelers has some of the most affordable 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 are also some of the cheapest Virginia Beach, VA auto insurance companies.

As illustrated above, if you currently have coverage with Penn National and switched to Travelers, you might realize yearly savings of approximately $81. Drivers with Cincinnati Insurance might save as much as $82 a year, and Auto-Owners policyholders might realize rate reductions of up to $99 a year.

Bear in mind that those prices are averaged across all insureds and vehicles and do not factor in an exact zip code location for uninsured drivers. So the auto insurance company that has the lowest price for you may not even be in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

How to get discounts on Virginia Beach insurance

Car insurance for drivers with no prior coverage in Virginia Beach, VAInsurance companies that provide coverage for uninsured drivers may also provide rate discounts that could potentially reduce rates by 35% or more if you meet specific eligibility requirements. A list of companies and their possible discounts are outlined below.

The chart below shows the comparison of car insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no accidents or driving violations, Virginia state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, vehicle safety, claim-free, homeowner, anti-theft, and accident-free discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for uninsured drivers is 28% or $404.

Finding the top auto insurance provider can be rather challenging considering how many companies sell insurance in Virginia. The ranking information displayed below may help you pick which auto insurers to look at when comparing insurance rates for uninsured drivers. The ratings below include companies that insure vehicles across America, so companies that focus mainly on Virginia business are not included in this list.

Top 10 Large Auto Insurance Providers in Virginia Beach Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Erie Insurance – A+
  6. Titan Insurance – A+
  7. Esurance – A+
  8. Progressive – A+
  9. Nationwide – A+
  10. The Hartford – A+

Top 10 Large Auto Insurance Providers 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 to find budget-friendly auto insurance for uninsured drivers

Lowering your rates is not difficult, and here are many thrifty ideas that can help Virginia Beach drivers locate cheap auto insurance.

That last piece of advice is especially significant, as was noted in this article. Prices charged by auto insurers can change significantly in a year, so don’t hesitate to change insurance companies if you can save money.

Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty ends up costing a small fortune. It only takes a couple minutes to compare prices and find cheaper insurance for uninsured drivers in Virginia Beach.

If you prefer to get some professional advice when buying car insurance for drivers with no prior coverage, the professional agents shown below can most likely provide answers to your questions and help you determine which coverages are best.

To locate a Virginia Beach car insurance agency closest to you, click the button after the list or click here to get price quotes now.

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