Best Cheap Car Insurance Companies in Arlington, Va.
The best options for car insurance in Arlington are State Farm, Erie Insurance, USAA, Virginia Farm Bureau and Travelers. These companies provide rates that are lower than average for minimum and full coverage in the city and are widely known for high-quality coverage.
Keep reading: Cheap car insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
How Much Is Car Insurance in Arlington, Va.?
Our data shows that the average cost of car insurance for minimum coverage in Arlington is $56 per month or $670 per year. This is about 7% more than the national average of $52 per month or $627 per year. On the other hand, full-coverage insurance costs $155 per month or $1,866 per year on average, which is about 7% less expensive than the national average of $167 per month or $2,008 per year.
Cheapest Liability Car Insurance in Arlington, Va.
State Farm offers the cheapest liability insurance with average rates of $38 per month or $462 per year. Erie Insurance is the second-cheapest option in Arlington with average rates of $39 per month or $466 per year.
Car insurance in Virginia is optional, but drivers who don’t purchase it have to pay a $500 annual fee. For drivers who opt for auto insurance, there are minimum insurance requirements set out by the Virginia Department of Motor Vehicles for liability coverage:
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$20,000 property damage liability per accident
$30,000 underinsured/uninsured motorist bodily injury coverage per person
$60,000 underinsured/uninsured motorist bodily injury coverage per accident
$20,000 underinsured/uninsured motorist property damage coverage per accident
In Virginia, insured drivers are required to have equal limits for liability insurance, underinsured motorist coverage and uninsured motorist coverage.
Cheapest Full-Coverage Car Insurance in Arlington, Va.
A full-coverage car insurance policy can be pricey in Arlington. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Travelers is the cheapest full-coverage option with average rates of $105 per month or $1,264 per year.
Arlington Car Insurance Quotes by Driver Profile
Car insurance rates are affected by many factors, meaning that the company offering the cheapest rates for one driver may not be right for another. In this section, we’ll consider the cost of car insurance in Arlington based on the driver’s age, credit score and driving history. Since Arlington has ZIP codes with varying average car insurance costs, we’ll also check those out.
Some methods for policyholders to save on insurance premiums are maintaining a clean driving record, sticking to state minimum coverage, increasing deductibles and bundling auto coverage with homeowners insurance, life insurance and renters insurance. Speak to an insurance agent to learn if you could get a discount for being a safe driver or for bundling auto and home insurance.
Arlington Car Insurance Cost by Age
Young people between the ages of 16 and 19 pay far more for car insurance policies because they have a greater tendency to get into accidents and break traffic rules. Our data shows that 16-year-olds pay about $226 per month or $2,708 per year for car insurance in Arlington.
As drivers get older, the cost of car insurance starts to go down until you reach middle age. Here are a few examples of how much minimum-coverage car insurance costs in Arlington for different age groups.
Cheapest Car Insurance in Arlington, Va.: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Erie Insurance is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $113 per month or $1,359 per year. Virginia Farm Bureau, Travelers and Geico also offer affordable premiums for Arlington teens.
Arlington Car Insurance Cost by Credit Score
Car insurance companies in Virginia can use credit scores when deciding how much to charge for premiums. If someone has a low credit score, they’ll probably have to pay more for car insurance, while those with higher credit scores may pay less.
Cheapest Car Insurance in Arlington, Va.: Poor Credit
Our rate data shows that Geico is the cheapest option for car insurance for bad credit in Arlington. The company offers minimum-coverage policies to drivers with poor credit for rates that average $62 per month or $739 per year. This is 10% more than the overall state average for minimum coverage with good credit.
Arlington Car Insurance Cost by Driving Record
If you’ve gotten speeding tickets, been in accidents or had DUIs, your car insurance costs will probably go up substantially. On average, speeding can increase your rates by 22%, an at-fault accident by 51% and a DUI by 85%.
Each has a different rate of price increases, but State Farm will likely be your top choice. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Arlington, Va.: Speeding Ticket
According to our data, State Farm offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $42 per month or $503 per year. Erie Insurance follows close behind with an average monthly rate of $45, while USAA, Geico and Travelers round out the top five options for cheap speeding ticket car insurance in Arlington.
Cheapest Car Insurance in Arlington, Va.: At-Fault Accident
Having caused an accident in the recent past can raise your rates much more than getting a speeding ticket. Erie Insurance and State Farm are the cheapest options here with average rates of about $45 per month and $46 per month, respectively. You can see that some auto insurance companies charge significantly more for this coverage after an accident.
Cheapest Car Insurance in Arlington, Va.: DUI
Getting a DUI is a big deal and can cause your car insurance rates in Arlington to increase by a few hundred dollars each year. State Farm is cheap compared to other companies, offering average rates of $42 per month or $503 per year for drivers with a DUI. Virginia Farm Bureau, Travelers and Erie Insurance are also good options with rates under $71 per month on average.
Arlington Car Insurance Cost by ZIP Code
The rate of insurance claims in different areas of the city can affect how much you have to pay for insurance. Below, you can see that certain ZIP codes in Arlington may be up to 2.1% cheaper or 2.1% more expensive than the city average. Rates may also vary compared to those found in Washington, D.C., or in nearby towns across Northern Virginia.
Cheap Car Insurance in Arlington, Va.: The Bottom Line
Auto insurance in Arlington costs 27% less than the average in Virginia but 7% more than the national average. State Farm offers the least expensive minimum-coverage policies in the city for around $38 per month. Arlington drivers commonly receive affordable full-coverage rates from Erie Insurance, which charges about $105 per month.
Compare free quotes to find the company that meets your Virginia car insurance needs at the best rate. You can compare insurance products and get quotes online or in person at an insurance agency.
Cheapest Auto Insurance in Arlington, Va.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Arlington, Va.:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.
Clinton Mora is a reporter for Trending Insurance News. He has previously worked for the Forbes. As a contributor to Trending Insurance News, Clinton covers emerging a wide range of property and casualty insurance related stories.