Compare Culpeper, VA Car Insurance Rates (2021)

Car insurance in Culpeper, VA averages $199 a month. Culpeper, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Culpeper car insurance rates, compare quotes from the top car insurance companies in Culpeper, VA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Culpeper is USAA
  • Average car insurance rates in Culpeper, VA after a DUI are $2,830/year
  • The cheapest car insurance company in Culpeper for teen drivers is USAA

If you need to buy Culpeper, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Culpeper, VA is right here.

You’ll find Culpeper car insurance rates, the cheapest Culpeper, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Culpeper, Virginia car insurance rates to Suffolk car insurance rates, Norfolk car insurance rates, and Portsmouth car insurance rates.

Ready to find affordable Culpeper, VA car insurance today? Enter your ZIP code for fast, free Culpeper car insurance quotes.

Cheapest Culpeper, VA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Culpeper, VA car insurance rates? Every Culpeper, Virginia car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Culpeper, 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 $2,131 $2,013 $2,120 $2,120 $6,595 $7,577 $2,767 $2,772
GEICO $1,597 $1,598 $1,516 $1,516 $3,347 $4,485 $1,855 $1,841
Nationwide $1,435 $1,444 $1,272 $1,309 $3,403 $4,393 $1,582 $1,724
Progressive $1,171 $1,113 $1,059 $1,063 $5,338 $5,994 $1,416 $1,446
State Farm $1,396 $1,396 $1,254 $1,254 $4,156 $5,217 $1,577 $1,818
USAA $1,149 $1,132 $1,074 $1,081 $3,555 $4,230 $1,480 $1,627

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Minimum Car Insurance in Culpeper, VA

Every driver must carry the minimum car insurance in Culpeper, VA. Take a look at the Virginia car insurance requirements.

Minimum Required Car Insurance Coverage in Culpeper, 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

Cheapest Culpeper, VA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Culpeper, VA. Compare credit history car insurance rates in Culpeper from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Culpeper, Virginia

Insurance Company Poor Fair Good
Allstate $4,281 $3,422 $2,833
GEICO $2,466 $2,096 $2,096
Nationwide $2,455 $1,969 $1,787
Progressive $2,593 $2,266 $2,117
State Farm $3,212 $1,991 $1,573
USAA $2,560 $1,746 $1,442

Cheapest Culpeper, VA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Culpeper, VA to rates for a clean record with top companies.

Annual Culpeper, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,636 $4,189 $3,835 $3,388
GEICO $1,680 $2,188 $3,330 $1,680
Nationwide $1,799 $1,799 $2,639 $2,043
Progressive $1,989 $2,630 $2,369 $2,313
State Farm $2,065 $2,451 $2,258 $2,258
USAA $1,482 $1,928 $2,549 $1,705

Cheapest Culpeper, VA Car Insurance for Teen Drivers

Teen car insurance in Culpeper, VA can be expensive. Take a look at rates from the top car insurance companies in Culpeper for teenagers.

Annual Car Insurance Rates for Teen Drivers in Culpeper, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,595 $7,577
GEICO $3,347 $4,485
Nationwide $3,403 $4,393
Progressive $5,338 $5,994
State Farm $4,156 $5,217
USAA $3,555 $4,230

Cheapest Culpeper, VA Car Insurance for Seniors

Take a look at Culpeper, VA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Culpeper, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,120 $2,120
GEICO $1,516 $1,516
Nationwide $1,272 $1,309
Progressive $1,059 $1,063
State Farm $1,254 $1,254
USAA $1,074 $1,081

Cheapest Culpeper, VA Car Insurance Rates After a DUI

A DUI in Culpeper, VA increases car insurance rates. Compare Culpeper, Virginia DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Culpeper, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,835
GEICO $3,330
Nationwide $2,639
Progressive $2,369
State Farm $2,258
USAA $2,549

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Cheapest Culpeper, VA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Culpeper, VA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Culpeper, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,405 $3,619
GEICO $2,177 $2,261
Nationwide $2,070 $2,070
Progressive $2,325 $2,325
State Farm $2,204 $2,313
USAA $1,845 $1,987

The Best Cheap Car Insurance Companies in Culpeper, VA

Take a look at a side-by-side comparison of the top car insurance companies in Culpeper, VA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Culpeper, Virginia

Insurance Company Average Annual Rates
Allstate $3,512
GEICO $2,219
Nationwide $2,070
Progressive $2,325
State Farm $2,258
USAA $1,916

Category Winners: Cheapest Car Insurance in Culpeper, Virginia

Find the cheapest car insurance companies in Culpeper, VA for each category right here.

Best Annual Car Insurance Rates by Company in Culpeper, Virginia

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Culpeper, VA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Culpeper car insurance rates. Find the cheapest Culpeper, VA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Culpeper, Virginia

Insurance Company Low Medium High
Allstate $3,404 $3,513 $3,620
GEICO $2,136 $2,217 $2,305
Nationwide $2,176 $2,049 $1,985
Progressive $2,225 $2,300 $2,450
State Farm $2,136 $2,255 $2,385
USAA $1,834 $1,920 $1,995

What affects car insurance rates in Culpeper, Virginia?

What factors can have an impact on Culpeper, VA car insurance? There are several reasons why Culpeper car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Culpeper, Virginia.

Commute Time in Culpeper

The more time you spend in your car the higher the risk of an accident. The average commute length in Culpeper, VA is 35.9 minutes according to City-Data.

Compare Car Insurance Quotes in Culpeper, VA

Ready to find affordable Culpeper, Virginia car insurance today? Enter your ZIP code for fast, free Culpeper, VA car insurance quotes.

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