Compare Louisa, VA Car Insurance Rates (2021)

Car insurance in Louisa, VA averages $202 a month. Louisa, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Louisa car insurance rates, compare quotes from the top car insurance companies in Louisa, 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

  • Average car insurance rates in Louisa, VA after a DUI are $2,858/year
  • The cheapest car insurance company in Louisa for teen drivers is GEICO
  • Average car insurance rates in Louisa, VA are $2,418/year

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

You’ll find Louisa car insurance rates, the cheapest Louisa, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Louisa, Virginia car insurance rates to Portsmouth car insurance rates, Alexandria car insurance rates, and Newport News car insurance rates.

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

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

How do age, gender, and marital status affect Louisa, VA car insurance rates? Every Louisa, 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 Louisa, 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 $1,989 $1,881 $1,977 $1,977 $6,157 $7,095 $2,581 $2,591
GEICO $1,463 $1,464 $1,386 $1,386 $3,070 $4,128 $1,701 $1,688
Nationwide $1,573 $1,584 $1,391 $1,433 $3,761 $4,869 $1,736 $1,897
Progressive $1,342 $1,278 $1,205 $1,212 $6,042 $6,803 $1,629 $1,670
State Farm $1,462 $1,462 $1,309 $1,309 $4,275 $5,381 $1,650 $1,893
USAA $1,168 $1,155 $1,082 $1,098 $3,504 $4,187 $1,510 $1,665

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Minimum Car Insurance in Louisa, VA

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

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

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

Annual Car Insurance Rates by Credit Score in Louisa, Virginia

Insurance Company Poor Fair Good
Allstate $3,996 $3,202 $2,645
GEICO $2,262 $1,923 $1,923
Nationwide $2,711 $2,167 $1,964
Progressive $2,963 $2,577 $2,402
State Farm $3,332 $2,065 $1,631
USAA $2,577 $1,748 $1,439

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

Annual Louisa, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,470 $3,896 $3,591 $3,167
GEICO $1,542 $2,007 $3,052 $1,542
Nationwide $1,978 $1,978 $2,917 $2,250
Progressive $2,268 $2,986 $2,697 $2,638
State Farm $2,147 $2,538 $2,342 $2,342
USAA $1,492 $1,928 $2,551 $1,713

Cheapest Louisa, VA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Louisa, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,157 $7,095
GEICO $3,070 $4,128
Nationwide $3,761 $4,869
Progressive $6,042 $6,803
State Farm $4,275 $5,381
USAA $3,504 $4,187

Cheapest Louisa, VA Car Insurance for Seniors

Take a look at Louisa, 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 Louisa, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,977 $1,977
GEICO $1,386 $1,386
Nationwide $1,391 $1,433
Progressive $1,205 $1,212
State Farm $1,309 $1,309
USAA $1,082 $1,098

Cheapest Louisa, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Louisa, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,591
GEICO $3,052
Nationwide $2,917
Progressive $2,697
State Farm $2,342
USAA $2,551

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Cheapest Louisa, VA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Louisa, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,183 $3,379
GEICO $1,998 $2,074
Nationwide $2,280 $2,280
Progressive $2,647 $2,647
State Farm $2,285 $2,400
USAA $1,850 $1,992

The Best Cheap Car Insurance Companies in Louisa, VA

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

Average Annual Car Insurance Rates by Company in Louisa, Virginia

Insurance Company Average Annual Rates
Allstate $3,281
GEICO $2,036
Nationwide $2,280
Progressive $2,647
State Farm $2,342
USAA $1,921

Category Winners: Cheapest Car Insurance in Louisa, Virginia

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

Best Annual Car Insurance Rates by Company in Louisa, Virginia

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

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Cheapest Louisa, VA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Louisa, Virginia

Insurance Company Low Medium High
Allstate $3,196 $3,282 $3,365
GEICO $1,969 $2,035 $2,104
Nationwide $2,403 $2,257 $2,181
Progressive $2,535 $2,618 $2,790
State Farm $2,214 $2,339 $2,474
USAA $1,848 $1,924 $1,991

What affects car insurance rates in Louisa, Virginia?

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

Commute Time in Louisa

The more time you spend in your car the higher the risk of an accident. The average commute length in Louisa, VA is 25.2 minutes according to City-Data.

Compare Car Insurance Quotes in Louisa, VA

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

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