Compare Spotsylvania, VA Car Insurance Rates (2021)

Car insurance in Spotsylvania, VA averages $205 a month. Spotsylvania, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Spotsylvania car insurance rates, compare quotes from the top car insurance companies in Spotsylvania, 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 Spotsylvania, VA after a DUI are $2,907/year
  • The cheapest car insurance company in Spotsylvania for teen drivers is GEICO
  • Average car insurance rates in Spotsylvania, VA are $2,462/year

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

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

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

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

How do age, gender, and marital status affect Spotsylvania, VA car insurance rates? Every Spotsylvania, 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 Spotsylvania, 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 $2,093 $1,976 $2,082 $2,082 $6,520 $7,482 $2,720 $2,721
GEICO $1,506 $1,496 $1,430 $1,430 $3,285 $4,386 $1,753 $1,724
Nationwide $1,492 $1,500 $1,324 $1,358 $3,601 $4,635 $1,648 $1,792
Progressive $1,223 $1,158 $1,109 $1,112 $5,684 $6,369 $1,478 $1,503
State Farm $1,542 $1,542 $1,399 $1,399 $4,778 $5,990 $1,747 $2,015
USAA $1,211 $1,194 $1,131 $1,140 $3,724 $4,433 $1,561 $1,718

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Minimum Car Insurance in Spotsylvania, VA

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

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

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

Annual Car Insurance Rates by Credit Score in Spotsylvania, Virginia

Insurance Company Poor Fair Good
Allstate $4,214 $3,374 $2,790
GEICO $2,362 $2,008 $2,008
Nationwide $2,568 $2,064 $1,875
Progressive $2,729 $2,395 $2,240
State Farm $3,630 $2,249 $1,775
USAA $2,696 $1,834 $1,512

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

Annual Spotsylvania, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,589 $4,133 $3,782 $3,335
GEICO $1,619 $2,096 $3,170 $1,619
Nationwide $1,886 $1,886 $2,764 $2,140
Progressive $2,092 $2,787 $2,501 $2,438
State Farm $2,322 $2,781 $2,552 $2,552
USAA $1,560 $2,025 $2,675 $1,797

Cheapest Spotsylvania, VA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spotsylvania, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,520 $7,482
GEICO $3,285 $4,386
Nationwide $3,601 $4,635
Progressive $5,684 $6,369
State Farm $4,778 $5,990
USAA $3,724 $4,433

Cheapest Spotsylvania, VA Car Insurance for Seniors

Take a look at Spotsylvania, 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 Spotsylvania, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,082 $2,082
GEICO $1,430 $1,430
Nationwide $1,324 $1,358
Progressive $1,109 $1,112
State Farm $1,399 $1,399
USAA $1,131 $1,140

Cheapest Spotsylvania, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spotsylvania, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,782
GEICO $3,170
Nationwide $2,764
Progressive $2,501
State Farm $2,552
USAA $2,675

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Cheapest Spotsylvania, VA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spotsylvania, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,353 $3,566
GEICO $2,087 $2,165
Nationwide $2,169 $2,169
Progressive $2,455 $2,455
State Farm $2,488 $2,615
USAA $1,939 $2,089

The Best Cheap Car Insurance Companies in Spotsylvania, VA

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

Average Annual Car Insurance Rates by Company in Spotsylvania, Virginia

Insurance Company Average Annual Rates
Allstate $3,459
GEICO $2,126
Nationwide $2,169
Progressive $2,455
State Farm $2,552
USAA $2,014

Category Winners: Cheapest Car Insurance in Spotsylvania, Virginia

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

Best Annual Car Insurance Rates by Company in Spotsylvania, Virginia

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

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Cheapest Spotsylvania, VA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Spotsylvania, Virginia

Insurance Company Low Medium High
Allstate $3,351 $3,460 $3,567
GEICO $2,041 $2,124 $2,213
Nationwide $2,277 $2,148 $2,081
Progressive $2,345 $2,428 $2,591
State Farm $2,395 $2,549 $2,711
USAA $1,933 $2,018 $2,091

What affects car insurance rates in Spotsylvania, Virginia?

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

Commute Time in Spotsylvania

The more time you spend in your car the higher the risk of an accident. The average commute length in Spotsylvania, VA is 31.3 minutes according to City-Data.

Compare Car Insurance Quotes in Spotsylvania, VA

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

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