Finding affordable car insurance in Arlington, VA gives drivers many choices. The cost for minimum coverage is about $56 a month or $670 a year. This is 7% more than the national average. But, full coverage costs average $155 a month or $1,866 a year. This is 7% less than the national average.
Top companies like State Farm, Erie Insurance, USAA, Virginia Farm Bureau, and Travelers offer cheap auto insurance in Arlington. They are trusted by drivers looking for affordable and full coverage for their cars.
Key Takeaways
- The average cost of minimum coverage car insurance in Arlington, VA is $56 per month, 7% higher than the national average.
- Full coverage car insurance in Arlington averages $155 per month, 7% less expensive than the national average.
- State Farm, Erie Insurance, USAA, Virginia Farm Bureau, and Travelers are among the top providers offering affordable car insurance options in Arlington.
- Factors like age, driving record, credit score, and vehicle type can significantly impact car insurance rates in Arlington.
- Residents of Arlington may find opportunities to save on car insurance by comparing quotes, taking advantage of discounts, and maintaining a clean driving record.
Top Car Insurance Companies in Arlington, VA
Looking for the best car insurance in Arlington, VA? Several top providers are worth considering. They offer competitive rates, comprehensive coverage, and great customer service.
State Farm
State Farm is a favorite in Arlington for its affordable liability insurance. Rates average $38 per month or $462 yearly. It’s known for its wide coverage options and local agents.
Erie Insurance
Erie Insurance is another top choice in Arlington, VA. It has the second-lowest average rates at $39 per month or $466 yearly for full coverage. Erie is praised for its customer service and claim handling.
USAA
USAA focuses on active military, veterans, and their families. Membership is limited, but it offers some of the cheapest car insurance in Arlington. Rates average $326 annually for minimum coverage and $824 for full coverage.
Virginia Farm Bureau
Virginia Farm Bureau is a trusted provider in Arlington. It’s known for competitive pricing and personalized service. It’s a strong contender for car insurance in the area.
Travelers
Travelers completes the list of top car insurance companies in Arlington, VA. It has a strong reputation and offers a wide range of coverage. Travelers provides affordable rates and reliable protection for drivers in Arlington.
These five providers are the top choices for car insurance in Arlington, VA. Consider factors like cost, coverage, customer service, and industry standing to find the right plan for your needs.
Average Car Insurance Rates in Arlington
Drivers in Arlington, Virginia, pay an average of $1,866 per year for full coverage car insurance. This is about 7% less than the national average. For minimum coverage, the average cost is $670 per year. This is around 7% more than the national average.
Minimum Coverage Costs
The average cost of minimum coverage car insurance in Arlington is $56 per month or $670 per year. This coverage includes the state-required liability limits. In Virginia, these limits are $30,000 in bodily injury liability per person, $60,000 per accident, and $20,000 in property damage liability.
Full Coverage Costs
For full coverage insurance, the average rate in Arlington is $155 per month or $1,866 per year. This coverage adds comprehensive and collision coverage to the liability limits. It provides extra protection for your vehicle.
The cost of car insurance in Arlington can change based on your age, driving record, credit score, and vehicle type. By comparing quotes from different insurers, Arlington drivers could save up to $2,699 on their annual premiums.
arlington va car insurance: Factors Affecting Rates
Car insurance rates in Arlington, Virginia, depend on many things. Age, driving history, credit score, and vehicle type all matter. Knowing these factors that impact auto insurance rates helps drivers choose wisely and save money.
Age is a big factor in determining car insurance prices in arlington. Young drivers, 16 to 19 years old, pay the most, about $2,708 a year or $226 monthly. As drivers turn 35, rates drop, averaging $56 monthly.
| Age Group | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| 16-19 years old | $2,708 | $226 |
| 35 years old | $672 | $56 |
| 55-65 years old | $639 | $53 |
Credit score also affects insurance costs. Bad credit means higher rates, as insurers see you as riskier. Good credit means lower rates.
Driving history counts too. Speeding tickets, accidents, and DUIs raise costs. Clean records mean lower rates, while bad ones mean higher costs.
“Understanding the factors that impact auto insurance rates in Arlington is crucial for finding the most budget-friendly coverage. By comparing quotes and taking advantage of available discounts, drivers can save thousands on their annual premiums.”
Car Insurance for Young Drivers in Arlington
Finding affordable car insurance for young drivers in Arlington can be tough. On average, 16-year-olds pay about $226 a month or $2,708 a year for insurance. But, some companies offer better rates for teens and young adults in the area.
Cheapest Providers for Teens
Research shows the top best car insurance companies for teen drivers in Arlington for affordable rates are:
- Erie Insurance – $113 per month on average
- Virginia Farm Bureau – $132 per month on average
- Travelers – $137 per month on average
- Geico – $140 per month on average
These companies are great for young and new drivers in Arlington. They offer cheaper coverage, helping families handle the high costs of insuring teens.
| Insurance Provider | Average Monthly Premium for Young Drivers |
|---|---|
| Erie Insurance | $113 |
| Virginia Farm Bureau | $132 |
| Travelers | $137 |
| Geico | $140 |
“Choosing the right car insurance provider can make a big difference for young drivers in Arlington. The options listed offer cheaper rates, easing the financial load for families with teens.”
Car Insurance Costs by Credit Score
In Arlington, Virginia, your credit score affects your car insurance rates. Drivers with lower scores pay more, while those with higher scores pay less. [https://carinsurepro.net/good-cheap-car-insurance/]
Cheapest for Bad Credit
If you have a poor credit score, Geico is the cheapest car insurance in Arlington. They offer policies for $62 a month or $739 a year. This is 10% more than the average for drivers with good credit.
| Credit Score | Average Annual Premium |
|---|---|
| Excellent | $1,185 |
| Good | $1,254 |
| Fair | $1,433 |
| Poor | $1,739 |
Drivers with poor credit in Arlington can still find affordable insurance. They just need to shop around and compare rates. To save money, keep a good driving record, use discounts, and consider higher deductibles.
“Your credit score is a key factor in setting your car insurance rates. Drivers with poor credit pay more, so it’s important to shop around and look at all options.”
High-Risk Driver Insurance in Arlington
Drivers in Arlington with a history of speeding tickets, accidents, or DUIs will pay more for car insurance. A speeding ticket can raise rates by 22%. An at-fault accident can increase them by 51%. And a DUI can raise them by 85%. Luckily, some insurance companies offer cheaper options for these drivers.
Rates After a Speeding Ticket
For drivers with speeding tickets in Arlington, State Farm offers the cheapest insurance. Their rates are between $42-$46 a month. Erie Insurance, Virginia Farm Bureau, and Travelers also have good prices for these drivers.
Rates After an Accident
After an accident, State Farm has the cheapest insurance in Arlington. Their rates are $42-$46 a month. Drivers can also look at Erie Insurance, Virginia Farm Bureau, and Travelers for good deals.
Rates After a DUI
Drivers with a DUI in Arlington will see the biggest rate hikes, up to 85%. But, State Farm, Virginia Farm Bureau, Travelers, and Erie Insurance offer the best deals for these drivers. Their rates are usually between $48 to $52 a month.
Finding affordable car insurance in Arlington for high-risk drivers can be tough. But, comparing quotes from different companies can help. This way, you can find the best and most affordable coverage for your needs.
Car Insurance Rates by ZIP Code
Your ZIP code in Arlington, VA, can change how much you pay for car insurance. The claims history in different areas affects your rates. Some ZIP codes in Arlington might be up to 2.1% cheaper or 2.1% more expensive than the city average.
In the 22207 ZIP code, monthly rates are 2.1% lower than Arlington’s average. But, the 22204 ZIP code has rates 2.1% higher. This happens because claims rates vary, leading to different premiums.
To find the best car insurance prices by zip code in arlington, compare quotes from many providers. The location greatly affects your auto insurance rates in Arlington.
“The location of your home can significantly impact your car insurance rates. Insurers use ZIP code-level data to assess the risk of insuring drivers in a particular area, which can lead to noticeable price differences across Arlington.”
Knowing how your location affects car insurance prices by zip code in arlington helps you make better choices. You can find affordable coverage for your needs.
Conclusion
Auto insurance in Arlington, VA is quite affordable, costing 27% less than the state average. State Farm offers the cheapest minimum coverage policies, with rates around $38 per month. For full coverage, Erie Insurance has competitive rates, about $105 per month on average.
Drivers in Arlington can save by comparing quotes from top insurers. Factors like age, credit score, and driving history affect rates. It’s key to shop around to get the best value for your money. By understanding the local market and using discounts, Arlington residents can get good car insurance without spending too much.
If you’re a young driver or have a less-than-perfect driving record, Arlington offers many affordable options. By using the best coverage tips, you can make a smart choice. This way, you can drive with confidence, knowing you’re well-protected in Arlington, VA.
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Auto insurance in Arlington, VA is quite affordable, costing 27% less than the state average. State Farm offers the cheapest minimum coverage policies, with rates around $38 per month. For full coverage, Erie Insurance has competitive rates, about $105 per month on average.