Compare Lynchburg, VA Car Insurance Rates (2021)

Car insurance in Lynchburg, VA averages $186 a month. Lynchburg, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Lynchburg car insurance rates, compare quotes from the top car insurance companies in Lynchburg, VA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

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 Lynchburg, VA are $2,237/year
  • Average car insurance rates in Lynchburg, VA after a DUI are $2,648/year
  • The cheapest ZIP code in Lynchburg is 24515

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

You’ll find Lynchburg car insurance rates, the cheapest Lynchburg, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Lynchburg, Virginia car insurance rates to Chesapeake car insurance rates, Portsmouth car insurance rates, and Virginia Beach car insurance rates.

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

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

How do age, gender, and marital status affect Lynchburg, VA car insurance rates? Every Lynchburg, 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 Lynchburg, 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 $1,904 $1,798 $1,894 $1,894 $5,940 $6,840 $2,479 $2,485
GEICO $1,444 $1,436 $1,371 $1,371 $3,136 $4,191 $1,681 $1,655
Nationwide $1,271 $1,279 $1,132 $1,162 $2,981 $3,833 $1,398 $1,519
Progressive $1,153 $1,093 $1,045 $1,048 $5,312 $5,955 $1,392 $1,419
State Farm $1,325 $1,325 $1,198 $1,198 $4,032 $5,058 $1,498 $1,726
USAA $1,149 $1,128 $1,081 $1,082 $3,637 $4,318 $1,477 $1,620

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 Lynchburg, VA

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

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

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

Annual Car Insurance Rates by Credit Score in Lynchburg, Virginia

Insurance Company Poor Fair Good
Allstate $3,846 $3,078 $2,539
GEICO $2,261 $1,922 $1,922
Nationwide $2,154 $1,735 $1,577
Progressive $2,562 $2,245 $2,100
State Farm $3,085 $1,913 $1,511
USAA $2,584 $1,766 $1,460

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

Annual Lynchburg, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,367 $3,758 $3,449 $3,044
GEICO $1,549 $2,007 $3,036 $1,549
Nationwide $1,589 $1,589 $2,312 $1,798
Progressive $1,965 $2,610 $2,346 $2,287
State Farm $1,979 $2,361 $2,170 $2,170
USAA $1,495 $1,950 $2,578 $1,723

Cheapest Lynchburg, VA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lynchburg, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,940 $6,840
GEICO $3,136 $4,191
Nationwide $2,981 $3,833
Progressive $5,312 $5,955
State Farm $4,032 $5,058
USAA $3,637 $4,318

Cheapest Lynchburg, VA Car Insurance for Seniors

Take a look at Lynchburg, 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 Lynchburg, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,894 $1,894
GEICO $1,371 $1,371
Nationwide $1,132 $1,162
Progressive $1,045 $1,048
State Farm $1,198 $1,198
USAA $1,081 $1,082

Cheapest Lynchburg, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lynchburg, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,449
GEICO $3,036
Nationwide $2,312
Progressive $2,346
State Farm $2,170
USAA $2,578

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Lynchburg, VA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lynchburg, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,059 $3,249
GEICO $1,998 $2,073
Nationwide $1,822 $1,822
Progressive $2,302 $2,302
State Farm $2,117 $2,223
USAA $1,865 $2,008

Cheapest Lynchburg, VA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Lynchburg, Virginia

ZIP Code Average Annual Rates
24501 $1,964
24502 $1,916
24503 $1,911
24504 $1,991
24515 $1,908

The Best Cheap Car Insurance Companies in Lynchburg, VA

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

Average Annual Car Insurance Rates by Company in Lynchburg, Virginia

Insurance Company Average Annual Rates
Allstate $3,154
GEICO $2,035
Nationwide $1,822
Progressive $2,302
State Farm $2,170
USAA $1,937

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 Lynchburg, Virginia

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

Best Annual Car Insurance Rates by Company in Lynchburg, Virginia

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

Cheapest Lynchburg, VA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lynchburg, Virginia

Insurance Company Low Medium High
Allstate $3,065 $3,155 $3,243
GEICO $1,954 $2,034 $2,119
Nationwide $1,906 $1,805 $1,755
Progressive $2,204 $2,278 $2,424
State Farm $2,040 $2,166 $2,304
USAA $1,854 $1,940 $2,015

What affects car insurance rates in Lynchburg, Virginia?

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

Commute Time in Lynchburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Lynchburg, VA is 17.4 minutes according to City-Data.

Traffic in Lynchburg

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lynchburg, VA traffic data from INRIX ranks Lynchburg as the 467th-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 Lynchburg, VA

Ready to find affordable Lynchburg, Virginia car insurance today? Enter your ZIP code for fast, free Lynchburg, 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