Best South Hill, VA Car Insurance in 2025
Car insurance in South Hill, VA averages $188 a month. South Hill, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap South Hill car insurance rates, compare quotes from the top car insurance companies in South Hill, VA.
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Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Laura D. Adams
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated October 2024
- Average car insurance rates in South Hill, VA are $2,260/year
- Average car insurance rates in South Hill, VA after a DUI are $2,687/year
- The cheapest car insurance company in South Hill is USAA
If you need to buy South Hill, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in South Hill, VA is right here.
You’ll find South Hill car insurance rates, the cheapest South Hill, VA car insurance companies, and information on Virginia car insurance laws. You can also compare South Hill, Virginia car insurance rates to Virginia Beach car insurance rates, Chesapeake car insurance rates, and Hampton car insurance rates.
Ready to find affordable South Hill, VA car insurance today? Enter your ZIP code for fast, free South Hill car insurance quotes.
Cheapest South Hill, VA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect South Hill, VA car insurance rates? Every South Hill, Virginia car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $1,873 | $1,772 | $1,866 | $1,866 | $5,798 | $6,699 | $2,443 | $2,456 |
| Geico | $1,530 | $1,540 | $1,450 | $1,450 | $3,098 | $4,175 | $1,775 | $1,774 |
| Nationwide | $1,455 | $1,469 | $1,288 | $1,330 | $3,390 | $4,404 | $1,602 | $1,756 |
| Progressive | $1,192 | $1,141 | $1,070 | $1,078 | $5,224 | $5,873 | $1,443 | $1,478 |
| State Farm | $1,346 | $1,346 | $1,205 | $1,205 | $3,937 | $4,951 | $1,519 | $1,745 |
| USAA | $1,096 | $1,083 | $1,016 | $1,030 | $3,309 | $3,948 | $1,417 | $1,564 |
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Minimum Car Insurance in South Hill, VA
Every driver must carry the minimum car insurance required by the state in South Hill, VA. Take a look at the Virginia car insurance requirements.
| 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 South Hill, VA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in South Hill, VA. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in South Hill from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,783 | $3,018 | $2,489 |
| Geico | $2,332 | $1,983 | $1,983 |
| Nationwide | $2,478 | $1,984 | $1,798 |
| Progressive | $2,593 | $2,249 | $2,095 |
| State Farm | $3,066 | $1,901 | $1,502 |
| USAA | $2,418 | $1,647 | $1,359 |
Cheapest South Hill, VA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in South Hill, VA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,339 | $3,680 | $3,374 | $2,993 |
| Geico | $1,582 | $2,069 | $3,163 | $1,582 |
| Nationwide | $1,810 | $1,810 | $2,669 | $2,059 |
| Progressive | $1,991 | $2,598 | $2,353 | $2,308 |
| State Farm | $1,977 | $2,337 | $2,157 | $2,157 |
| USAA | $1,402 | $1,816 | $2,405 | $1,609 |
Cheapest South Hill, VA Car Insurance for Teen Drivers
Teen car insurance in South Hill, VA can be expensive. Take a look at rates from the top car insurance companies in South Hill for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,798 | $6,699 |
| Geico | $3,098 | $4,175 |
| Nationwide | $3,390 | $4,404 |
| Progressive | $5,224 | $5,873 |
| State Farm | $3,937 | $4,951 |
| USAA | $3,309 | $3,948 |
Cheapest South Hill, VA Car Insurance for Seniors
Take a look at South Hill, VA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,866 | $1,866 |
| Geico | $1,450 | $1,450 |
| Nationwide | $1,288 | $1,330 |
| Progressive | $1,070 | $1,078 |
| State Farm | $1,205 | $1,205 |
| USAA | $1,016 | $1,030 |
Cheapest South Hill, VA Car Insurance Rates After a DUI
A DUI in South Hill, VA increases car insurance rates. Compare South Hill, Virginia car insurance after a DUI by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,374 |
| Geico | $3,163 |
| Nationwide | $2,669 |
| Progressive | $2,353 |
| State Farm | $2,157 |
| USAA | $2,405 |
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Cheapest South Hill, VA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in South Hill, VA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,005 | $3,188 |
| Geico | $2,059 | $2,139 |
| Nationwide | $2,087 | $2,087 |
| Progressive | $2,312 | $2,312 |
| State Farm | $2,105 | $2,209 |
| USAA | $1,741 | $1,875 |
The Best Cheap Car Insurance Companies in South Hill, VA
Take a look at a side-by-side comparison of the top car insurance companies in South Hill, VA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,096 |
| Geico | $2,099 |
| Nationwide | $2,087 |
| Progressive | $2,312 |
| State Farm | $2,157 |
| USAA | $1,808 |
Category Winners: Cheapest Car Insurance in South Hill, Virginia
Find the cheapest car insurance companies in South Hill, VA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
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Cheapest South Hill, VA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your South Hill car insurance rates. Find the cheapest South Hill, VA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,011 | $3,098 | $3,181 |
| Geico | $2,024 | $2,097 | $2,176 |
| Nationwide | $2,190 | $2,065 | $2,005 |
| Progressive | $2,211 | $2,286 | $2,440 |
| State Farm | $2,040 | $2,153 | $2,277 |
| USAA | $1,730 | $1,811 | $1,883 |
What affects car insurance rates in South Hill, Virginia?
What are the factors that affect car insurance rates in South Hill, VA? There are several reasons why South Hill car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in South Hill, Virginia.
Commute Time in South Hill
The more time you spend in your car the higher the risk of an accident. The average commute length in South Hill, VA is 15.7 minutes according to City-Data.
Compare Car Insurance Quotes in South Hill, VA
Ready to find affordable South Hill, Virginia car insurance today? Enter your ZIP code for fast, free South Hill, VA car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in South Hill, VA?
To compare car insurance rates in South Hill, VA, you have a few options. You can contact individual insurance companies directly and request quotes. Additionally, you can use online comparison tools that provide multiple quotes from different insurers. These tools typically require you to provide some personal information and details about your vehicle and driving history to generate accurate quotes.
What factors affect car insurance rates in South Hill, VA?
Car insurance rates in South Hill, VA, are influenced by several factors. Common factors include your driving record, age, gender, marital status, type of vehicle you drive, your credit history, and the coverage options you choose. Additionally, factors like the location where you live in South Hill, VA, and the frequency of car thefts and accidents in that area can impact insurance rates.
Are car insurance rates higher in South Hill, VA, compared to other areas?
Car insurance rates can vary depending on the location, and South Hill, VA, may have different rates compared to other areas. Insurance companies consider factors like population density, crime rates, and accident statistics when determining rates for a specific area. It’s recommended to compare rates from multiple insurers to get a better understanding of how South Hill, VA, compares to other areas.
Are there any discounts available for car insurance in South Hill, VA?
Yes, many insurance companies offer various discounts that can help you save on car insurance in South Hill, VA. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, low-mileage discounts, and discounts for having safety features installed in your vehicle. It’s worth checking with insurance providers to see which discounts you may qualify for.
How can I lower my car insurance rates in South Hill, VA?
There are several strategies you can consider to lower your car insurance rates in South Hill, VA. Maintaining a clean driving record, bundling multiple policies with the same insurer, opting for higher deductibles, and taking advantage of available discounts are some effective methods. You may also want to periodically compare quotes from different insurance companies to ensure you’re getting the best rate.
Is it necessary to have full coverage car insurance in South Hill, VA?
Full coverage car insurance is not legally required in South Hill, VA. However, if you have a loan or lease on your vehicle, your lender or leasing company may require you to have comprehensive and collision coverage. Even if it’s not mandatory, having full coverage can provide added protection for your vehicle in case of accidents, theft, or other covered events. It’s important to evaluate your personal circumstances and financial situation when deciding on the level of coverage you need.
What should I do if I can’t afford car insurance in South Hill, VA?
If you’re struggling to afford car insurance in South Hill, VA, there are a few options you can explore. First, consider adjusting your coverage limits or deductibles to lower your premium. You can also shop around and compare quotes from multiple insurers to find more affordable options. Additionally, some states offer low-cost or subsidized insurance programs for individuals with limited incomes. Contact your state’s insurance department or a local insurance agent to inquire about such programs.
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