Compare Waterford, VA Car Insurance Rates (2021)

Car insurance in Waterford, VA averages $204 a month. Waterford, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Waterford car insurance rates, compare quotes from the top car insurance companies in Waterford, 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

  • The cheapest car insurance company in Waterford is USAA
  • The cheapest car insurance company in Waterford for teen drivers is GEICO
  • Average car insurance rates in Waterford, VA after a DUI are $2,878/year

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

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

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

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

How do age, gender, and marital status affect Waterford, VA car insurance rates? Every Waterford, 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 Waterford, 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 $2,391 $2,252 $2,372 $2,372 $7,636 $8,767 $3,110 $3,107
GEICO $1,354 $1,346 $1,286 $1,286 $2,937 $3,916 $1,574 $1,550
Nationwide $1,470 $1,476 $1,305 $1,338 $3,557 $4,571 $1,624 $1,763
Progressive $1,128 $1,068 $1,025 $1,028 $5,234 $5,852 $1,360 $1,383
State Farm $1,526 $1,526 $1,390 $1,390 $4,789 $6,004 $1,730 $1,992
USAA $1,100 $1,081 $1,034 $1,036 $3,443 $4,092 $1,410 $1,545

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Minimum Car Insurance in Waterford, VA

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

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

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

Annual Car Insurance Rates by Credit Score in Waterford, Virginia

Insurance Company Poor Fair Good
Allstate $4,864 $3,918 $3,221
GEICO $2,118 $1,800 $1,800
Nationwide $2,527 $2,036 $1,851
Progressive $2,509 $2,205 $2,065
State Farm $3,619 $2,242 $1,770
USAA $2,463 $1,679 $1,386

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

Annual Waterford, Virginia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,967 $4,776 $4,412 $3,849
GEICO $1,450 $1,879 $2,844 $1,450
Nationwide $1,861 $1,861 $2,722 $2,110
Progressive $1,926 $2,568 $2,301 $2,243
State Farm $2,311 $2,776 $2,543 $2,543
USAA $1,427 $1,854 $2,445 $1,644

Cheapest Waterford, VA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterford, Virginia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,636 $8,767
GEICO $2,937 $3,916
Nationwide $3,557 $4,571
Progressive $5,234 $5,852
State Farm $4,789 $6,004
USAA $3,443 $4,092

Cheapest Waterford, VA Car Insurance for Seniors

Take a look at Waterford, 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 Waterford, Virginia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,372 $2,372
GEICO $1,286 $1,286
Nationwide $1,305 $1,338
Progressive $1,025 $1,028
State Farm $1,390 $1,390
USAA $1,034 $1,036

Cheapest Waterford, VA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterford, Virginia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,412
GEICO $2,844
Nationwide $2,722
Progressive $2,301
State Farm $2,543
USAA $2,445

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Cheapest Waterford, VA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterford, Virginia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,879 $4,123
GEICO $1,871 $1,942
Nationwide $2,138 $2,138
Progressive $2,260 $2,260
State Farm $2,479 $2,607
USAA $1,775 $1,910

The Best Cheap Car Insurance Companies in Waterford, VA

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

Average Annual Car Insurance Rates by Company in Waterford, Virginia

Insurance Company Average Annual Rates
Allstate $4,001
GEICO $1,906
Nationwide $2,138
Progressive $2,260
State Farm $2,543
USAA $1,843

Category Winners: Cheapest Car Insurance in Waterford, Virginia

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

Best Annual Car Insurance Rates by Company in Waterford, Virginia

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

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Cheapest Waterford, VA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Waterford, Virginia

Insurance Company Low Medium High
Allstate $3,902 $4,002 $4,100
GEICO $1,833 $1,905 $1,980
Nationwide $2,249 $2,118 $2,047
Progressive $2,166 $2,238 $2,375
State Farm $2,377 $2,541 $2,712
USAA $1,774 $1,846 $1,908

What affects car insurance rates in Waterford, Virginia?

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

Traffic in Waterford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Waterford, VA traffic data from INRIX ranks Waterford as the 196th-most congested in the world.

Compare Car Insurance Quotes in Waterford, VA

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

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