Buy Cheap Fredericksburg, VA Auto Insurance in 2024
Fredericksburg, VA auto insurance rates average $203 a month. Minimum auto insurance requirements in Fredericksburg, Virginia are 25/50/20 to comply with Virginia laws. To buy cheap auto insurance in Fredericksburg, VA, compare Fredericksburg auto insurance quotes from top companies.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Dec 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Fredericksburg, VA for teens drivers are $4,557/year
- Average auto insurance rates in Fredericksburg, VA after a DUI are $2,886/year
- The most expensive auto insurance company in Fredericksburg is Allstate
Finding affordable Fredericksburg, Virginia auto insurance can be challenging, but everything you need to know to buy cheap Fredericksburg, VA auto insurance with confidence is right here. Auto insurance rates in Fredericksburg are affected by local factors as well as personal ones like your driving record.
See how Fredericksburg, VA car insurance rates compare to Alexandria auto insurance rates, Suffolk auto insurance rates, and Hampton auto insurance rates before you read more about the cost of auto insurance in Fredericksburg.
Don’t buy Fredericksburg, VA auto insurance until you’ve compared rates. Get free Fredericksburg, Virginia auto insurance quotes when you enter your ZIP code above.
Fredericksburg, VA Minimum Auto Insurance Requirements
The required auto insurance in Fredericksburg, VA is 25/50/20 according to the auto insurance laws in Virginia. The minimum auto insurance in Fredericksburg, Virginia is outlined here.
Minimum Required Auto Insurance Coverage in Fredericksburg, Virginia
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Find Cheap Fredericksburg, VA Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Fredericksburg, VA. Take a look at Fredericksburg, Virginia auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Fredericksburg, Virginia
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,326 | $3,471 | $2,865 |
| Geico | $2,362 | $2,008 | $2,008 |
| Nationwide | $2,568 | $2,064 | $1,874 |
| Progressive | $2,651 | $2,335 | $2,187 |
| State Farm | $3,351 | $2,077 | $1,640 |
| USAA | $2,718 | $1,849 | $1,524 |
Buy Cheap Fredericksburg, VA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Fredericksburg, Virginia auto insurance rates? Find out how car insurance rates in Fredericksburg, VA are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fredericksburg, Virginia
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,145 | $2,023 | $2,132 | $2,132 | $6,717 | $7,709 | $2,787 | $2,787 |
| Geico | $1,506 | $1,496 | $1,430 | $1,430 | $3,285 | $4,386 | $1,753 | $1,724 |
| Nationwide | $1,493 | $1,501 | $1,324 | $1,359 | $3,598 | $4,633 | $1,649 | $1,793 |
| Progressive | $1,180 | $1,114 | $1,076 | $1,075 | $5,572 | $6,243 | $1,424 | $1,444 |
| State Farm | $1,423 | $1,423 | $1,292 | $1,292 | $4,413 | $5,534 | $1,612 | $1,857 |
| USAA | $1,220 | $1,203 | $1,139 | $1,149 | $3,754 | $4,469 | $1,574 | $1,732 |
Buy Cheap Fredericksburg, VA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Fredericksburg can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Fredericksburg, VA are listed here.
Annual Auto Insurance Rates for Teen Drivers in Fredericksburg, Virginia
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,717 | $7,709 |
| Geico | $3,285 | $4,386 |
| Nationwide | $3,598 | $4,633 |
| Progressive | $5,572 | $6,243 |
| State Farm | $4,413 | $5,534 |
| USAA | $3,754 | $4,469 |
Buy Cheap Fredericksburg, VA Auto Insurance for Seniors
You can save on senior auto insurance rates in Fredericksburg, Virginia by comparing Fredericksburg senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Fredericksburg, VA here.
Annual Auto Insurance Rates for Senior Drivers in Fredericksburg, Virginia
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,132 | $2,132 |
| Geico | $1,430 | $1,430 |
| Nationwide | $1,324 | $1,359 |
| Progressive | $1,076 | $1,075 |
| State Farm | $1,292 | $1,292 |
| USAA | $1,139 | $1,149 |
Find Cheap Auto Insurance Rates in Fredericksburg, VA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Fredericksburg, Virginia auto insurance. Compare Fredericksburg, VA auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Fredericksburg, Virginia
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,448 | $3,555 | $3,659 |
| Geico | $2,041 | $2,124 | $2,213 |
| Nationwide | $2,278 | $2,148 | $2,081 |
| Progressive | $2,278 | $2,363 | $2,532 |
| State Farm | $2,208 | $2,353 | $2,507 |
| USAA | $1,949 | $2,034 | $2,107 |
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Find Cheap Fredericksburg, VA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Fredericksburg. Compare auto insurance rates in Fredericksburg, VA by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Fredericksburg, Virginia
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,445 | $3,663 |
| Geico | $2,087 | $2,165 |
| Nationwide | $2,169 | $2,169 |
| Progressive | $2,391 | $2,391 |
| State Farm | $2,297 | $2,414 |
| USAA | $1,955 | $2,105 |
Find Cheap Fredericksburg, VA Auto Insurance Rates by ZIP Code
Auto insurance rates in Fredericksburg, Virginia can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Fredericksburg, VA to see how much where you live in Fredericksburg affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Fredericksburg, Virginia
| ZIP Code | Average Annual Rates |
|---|---|
| 22401 | $2,093 |
| 22405 | $2,071 |
| 22406 | $2,114 |
| 22407 | $2,128 |
| 22408 | $2,094 |
Find Cheap Fredericksburg, VA Auto Insurance Rates by Driving Record
Auto insurance rates in Fredericksburg, Virginia are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Fredericksburg, VA, take a look at the average cost for various violations versus rates for a clean driving record in Fredericksburg.
Annual Fredericksburg, Virginia Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,654 | $4,245 | $3,892 | $3,424 |
| Geico | $1,619 | $2,096 | $3,170 | $1,619 |
| Nationwide | $1,886 | $1,886 | $2,764 | $2,140 |
| Progressive | $2,032 | $2,722 | $2,440 | $2,370 |
| State Farm | $2,143 | $2,568 | $2,356 | $2,356 |
| USAA | $1,573 | $2,041 | $2,696 | $1,811 |
Find Cheap Fredericksburg, VA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Fredericksburg, Virginia is higher than for a clean driving record. You can buy auto insurance after a DUI in Fredericksburg for less when you shop around and compare rates from multiple Fredericksburg, VA auto insurance companies.
Annual Auto Insurance Rates After a DUI in Fredericksburg, Virginia
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,892 |
| Geico | $3,170 |
| Nationwide | $2,764 |
| Progressive | $2,440 |
| State Farm | $2,356 |
| USAA | $2,696 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Fredericksburg, VA
Compare rates from the cheapest auto insurance companies in Fredericksburg, VA for your needs. Take a look at how Fredericksburg, Virginia auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Fredericksburg, Virginia
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Read more: Cheapest Car Insurance in Virginia
Find Cheap Fredericksburg, Virginia Auto Insurance Companies
If you’re looking for the cheapest Fredericksburg, VA auto insurance companies overall, you can compare them here. Find the best price for Fredericksburg, Virginia car insurance by company.
Average Annual Auto Insurance Rates by Company in Fredericksburg, Virginia
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,554 |
| Geico | $2,126 |
| Nationwide | $2,169 |
| Progressive | $2,391 |
| State Farm | $2,356 |
| USAA | $2,030 |
What affects Fredericksburg, Virginia auto insurance rates?
Local factors affect auto insurance rates in Fredericksburg, VA, including traffic, theft statistics, and commute length. Take a look at the things that impact Fredericksburg auto insurance rates.
Commute Times in Fredericksburg
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Fredericksburg, VA is 30.0 minutes according to City-Data.
Traffic in Fredericksburg
How is traffic in Fredericksburg, Virginia? Inrix data shows that Fredericksburg, VA traffic makes it the 723rd-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in Fredericksburg, VA
You can buy cheap Fredericksburg, VA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Fredericksburg, Virginia auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Fredericksburg, VA in 2023?
Here are a few tips to help you find affordable auto insurance in Fredericksburg, VA:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record and avoid traffic violations.
- Opt for a higher deductible, which can lower your premium.
- Bundle your auto insurance with other policies, such as home insurance, for potential discounts.
- Inquire about any available discounts, such as those for good students or safe drivers.
What factors influence the cost of auto insurance in Fredericksburg, VA?
Several factors can affect the cost of auto insurance, including:
- Your driving record: Drivers with a history of accidents or violations may face higher premiums.
- Vehicle make and model: Expensive or high-performance cars typically have higher insurance costs.
- Age and experience: Younger drivers and those with less experience may be charged higher rates.
- Coverage options: The level of coverage you choose, such as liability-only or full coverage, will impact your premium.
- Location: Where you live and park your car can affect insurance rates.
Are there any pros to buying cheap auto insurance in Fredericksburg, VA?
Pros of buying cheap auto insurance may include:
- Lower monthly premiums, allowing for potential cost savings.
- Compliance with state laws that require auto insurance coverage.
- Basic protection against financial loss in the event of an accident or damage.
What are the potential cons of buying cheap auto insurance?
Some cons of cheap auto insurance may include:
- Limited coverage options: Cheap policies often offer minimal coverage, leaving you more vulnerable to expenses in case of an accident.
- Higher deductibles: Cheap policies may come with higher deductibles, meaning you’ll have to pay more out of pocket before insurance coverage kicks in.
- Subpar customer service: Cheaper insurance providers may not offer the same level of customer support as larger, more established companies.
- Limited benefits and add-ons: Cheap policies may lack additional benefits and add-ons, such as roadside assistance or rental car coverage.
How can I strike a balance between affordability and adequate coverage?
To strike a balance between affordability and adequate coverage:
- Compare quotes from multiple insurance companies to find the best value for your needs.
- Consider the coverage options and assess your specific requirements.
- Read policy terms and conditions carefully to ensure you understand the coverage and limitations.
- Evaluate the financial strength and reputation of the insurance provider.
- Consult with an insurance agent who can help you find the right balance between cost and coverage.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.