Compare Gainesville, VA Car Insurance Rates (2021)

Car insurance in Gainesville, VA averages $214 a month. Gainesville, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Gainesville car insurance rates, compare quotes from the top car insurance companies in Gainesville, VA.

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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.

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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 Gainesville is GEICO
  • Average car insurance rates in Gainesville, VA after a DUI are $3,032/year
  • The cheapest car insurance company in Gainesville for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Gainesville, VA car insurance rates? Every Gainesville, 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 Gainesville, 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 $2,368 $2,230 $2,350 $2,350 $7,539 $8,640 $3,076 $3,069
GEICO $1,440 $1,428 $1,368 $1,368 $3,176 $4,232 $1,677 $1,646
Nationwide $1,602 $1,608 $1,419 $1,455 $3,920 $5,042 $1,773 $1,926
Progressive $1,242 $1,171 $1,132 $1,132 $5,894 $6,598 $1,499 $1,519
State Farm $1,499 $1,499 $1,363 $1,363 $4,655 $5,843 $1,698 $1,952
USAA $1,232 $1,211 $1,159 $1,162 $3,868 $4,591 $1,584 $1,738

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Minimum Car Insurance in Gainesville, VA

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

Minimum Required Car Insurance Coverage in Gainesville, 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 Gainesville, VA Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Gainesville, Virginia

Insurance Company Poor Fair Good
Allstate $4,800 $3,871 $3,187
GEICO $2,269 $1,929 $1,929
Nationwide $2,772 $2,230 $2,026
Progressive $2,797 $2,464 $2,309
State Farm $3,534 $2,190 $1,729
USAA $2,762 $1,885 $1,557

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

Annual Gainesville, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,930 $4,724 $4,356 $3,801
GEICO $1,556 $2,014 $3,042 $1,556
Nationwide $2,036 $2,036 $2,989 $2,312
Progressive $2,143 $2,876 $2,574 $2,501
State Farm $2,260 $2,708 $2,484 $2,484
USAA $1,598 $2,083 $2,748 $1,843

Cheapest Gainesville, VA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gainesville, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,539 $8,640
GEICO $3,176 $4,232
Nationwide $3,920 $5,042
Progressive $5,894 $6,598
State Farm $4,655 $5,843
USAA $3,868 $4,591

Cheapest Gainesville, VA Car Insurance for Seniors

Take a look at Gainesville, 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 Gainesville, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,350 $2,350
GEICO $1,368 $1,368
Nationwide $1,419 $1,455
Progressive $1,132 $1,132
State Farm $1,363 $1,363
USAA $1,159 $1,162

Cheapest Gainesville, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gainesville, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,356
GEICO $3,042
Nationwide $2,989
Progressive $2,574
State Farm $2,484
USAA $2,748

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Cheapest Gainesville, VA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gainesville, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,832 $4,074
GEICO $2,004 $2,080
Nationwide $2,343 $2,343
Progressive $2,523 $2,523
State Farm $2,422 $2,547
USAA $1,992 $2,145

The Best Cheap Car Insurance Companies in Gainesville, VA

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

Average Annual Car Insurance Rates by Company in Gainesville, Virginia

Insurance Company Average Annual Rates
Allstate $3,953
GEICO $2,042
Nationwide $2,343
Progressive $2,523
State Farm $2,484
USAA $2,068

Category Winners: Cheapest Car Insurance in Gainesville, Virginia

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

Best Annual Car Insurance Rates by Company in Gainesville, Virginia

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

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Cheapest Gainesville, VA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gainesville, Virginia

Insurance Company Low Medium High
Allstate $3,848 $3,953 $4,057
GEICO $1,959 $2,040 $2,127
Nationwide $2,462 $2,321 $2,246
Progressive $2,403 $2,494 $2,673
State Farm $2,323 $2,481 $2,648
USAA $1,981 $2,072 $2,151

What affects car insurance rates in Gainesville, Virginia?

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

Commute Time in Gainesville

The more time you spend in your car the higher the risk of an accident. The average commute length in Gainesville, VA is 42.1 minutes according to City-Data.

Traffic in Gainesville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Gainesville, VA traffic data from INRIX ranks Gainesville as the 462nd-most congested in the world.

Compare Car Insurance Quotes in Gainesville, VA

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

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