Compare Fredericksburg, VA Car Insurance Rates (2021)

Car insurance in Fredericksburg, VA averages $203 a month. Fredericksburg, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Fredericksburg car insurance rates, compare quotes from the top car insurance companies in Fredericksburg, VA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

Here's What You Need to Know

  • Average car insurance rates in Fredericksburg, VA are $2,438/year
  • The cheapest car insurance company in Fredericksburg is USAA
  • The cheapest ZIP code in Fredericksburg is 22405

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

You’ll find Fredericksburg car insurance rates, the cheapest Fredericksburg, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Fredericksburg, Virginia car insurance rates to Chesapeake car insurance rates, Roanoke car insurance rates, and Suffolk car insurance rates.

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

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

How do age, gender, and marital status affect Fredericksburg, VA car insurance rates? Every Fredericksburg, 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 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Fredericksburg, VA

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

Minimum Required Car 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

Cheapest Fredericksburg, VA Car Insurance Rates by Credit Score

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

Annual Car 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

Cheapest Fredericksburg, 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 Fredericksburg, VA to rates for a clean record with top companies.

Annual Fredericksburg, Virginia Car 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

Cheapest Fredericksburg, VA Car Insurance for Teen Drivers

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

Annual Car 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

Cheapest Fredericksburg, VA Car Insurance for Seniors

Take a look at Fredericksburg, 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 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

Cheapest Fredericksburg, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Fredericksburg, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,892
GEICO $3,170
Nationwide $2,764
Progressive $2,440
State Farm $2,356
USAA $2,696

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Fredericksburg, VA Car Insurance Rates by Commute Length

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

Annual Car 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

Cheapest Fredericksburg, VA Car Insurance Rates by ZIP Code

Fredericksburg car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Fredericksburg, VA.

Annual Car 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

The Best Cheap Car Insurance Companies in Fredericksburg, VA

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

Average Annual Car 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Fredericksburg, Virginia

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

Best Annual Car 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

Cheapest Fredericksburg, VA Car Insurance Rates by Coverage Level

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

Annual Car 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

What affects car insurance rates in Fredericksburg, Virginia?

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

Commute Time in Fredericksburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Fredericksburg, VA is 30.0 minutes according to City-Data.

Traffic in Fredericksburg

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Fredericksburg, VA traffic data from INRIX ranks Fredericksburg as the 723rd-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Fredericksburg, VA

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption