Best Williamsburg, VA Car Insurance in 2024
Car insurance in Williamsburg, VA averages $179 a month. Williamsburg, Virginia car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Williamsburg car insurance rates, compare quotes from the top car insurance companies in Williamsburg, VA.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Oct 24, 2024
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.
UPDATED: Oct 24, 2024
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.
On This Page
- Average car insurance rates in Williamsburg, VA after a DUI are $2,533/year
- The cheapest ZIP code in Williamsburg is 23188
- The cheapest car insurance company in Williamsburg for teen drivers is Nationwide
If you need to buy Williamsburg, Virginia car insurance, the options can be confusing. Everything you need to know about car insurance in Williamsburg, VA is right here.
You’ll find Williamsburg car insurance rates, the cheapest Williamsburg, VA car insurance companies, and information on Virginia car insurance laws. You can also compare Williamsburg, Virginia car insurance rates to Roanoke car insurance rates, Portsmouth car insurance rates, and Chesapeake car insurance rates.
Ready to find affordable Williamsburg, VA car insurance today? Enter your ZIP code for fast, free Williamsburg car insurance quotes.
Cheapest Williamsburg, VA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Williamsburg, VA car insurance rates? Every Williamsburg, 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 | $1,986 | $1,873 | $1,976 | $1,976 | $6,199 | $7,100 | $2,580 | $2,577 |
| Geico | $1,306 | $1,299 | $1,241 | $1,241 | $2,816 | $3,756 | $1,518 | $1,495 |
| Nationwide | $1,198 | $1,204 | $1,070 | $1,096 | $2,807 | $3,595 | $1,317 | $1,426 |
| Progressive | $1,109 | $1,051 | $1,009 | $1,011 | $5,136 | $5,754 | $1,338 | $1,359 |
| State Farm | $1,269 | $1,269 | $1,155 | $1,155 | $3,945 | $4,949 | $1,437 | $1,652 |
| USAA | $1,064 | $1,048 | $999 | $1,005 | $3,265 | $3,871 | $1,366 | $1,501 |
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 Williamsburg, VA
Every driver must carry the minimum car insurance in Williamsburg, 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 Williamsburg, VA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Williamsburg, VA. Compare credit history car insurance rates in Williamsburg from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,997 | $3,203 | $2,649 |
| Geico | $2,037 | $1,732 | $1,732 |
| Nationwide | $2,019 | $1,635 | $1,489 |
| Progressive | $2,468 | $2,167 | $2,028 |
| State Farm | $2,991 | $1,855 | $1,466 |
| USAA | $2,354 | $1,610 | $1,331 |
Cheapest Williamsburg, 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 Williamsburg, VA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,450 | $3,931 | $3,589 | $3,163 |
| Geico | $1,397 | $1,808 | $2,734 | $1,397 |
| Nationwide | $1,498 | $1,498 | $2,168 | $1,692 |
| Progressive | $1,895 | $2,520 | $2,264 | $2,205 |
| State Farm | $1,913 | $2,294 | $2,104 | $2,104 |
| USAA | $1,369 | $1,778 | $2,337 | $1,576 |
Cheapest Williamsburg, VA Car Insurance for Teen Drivers
Teen car insurance in Williamsburg, VA can be expensive. Take a look at rates from the top car insurance companies in Williamsburg for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,199 | $7,100 |
| Geico | $2,816 | $3,756 |
| Nationwide | $2,807 | $3,595 |
| Progressive | $5,136 | $5,754 |
| State Farm | $3,945 | $4,949 |
| USAA | $3,265 | $3,871 |
Cheapest Williamsburg, VA Car Insurance for Seniors
Take a look at Williamsburg, VA senior car insurance rates 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 | $1,976 | $1,976 |
| Geico | $1,241 | $1,241 |
| Nationwide | $1,070 | $1,096 |
| Progressive | $1,009 | $1,011 |
| State Farm | $1,155 | $1,155 |
| USAA | $999 | $1,005 |
Cheapest Williamsburg, VA Car Insurance Rates After a DUI
A DUI in Williamsburg, VA increases car insurance rates. Compare Williamsburg, Virginia DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,589 |
| Geico | $2,734 |
| Nationwide | $2,168 |
| Progressive | $2,264 |
| State Farm | $2,104 |
| USAA | $2,337 |
Read More: Compare Best Car Insurance Companies That Accept DUI
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Cheapest Williamsburg, VA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Williamsburg, 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 | $3,182 | $3,385 |
| Geico | $1,800 | $1,868 |
| Nationwide | $1,714 | $1,714 |
| Progressive | $2,221 | $2,221 |
| State Farm | $2,051 | $2,157 |
| USAA | $1,700 | $1,830 |
Cheapest Williamsburg, VA Car Insurance Rates by ZIP Code
Williamsburg car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Williamsburg, VA.
| ZIP Code | Average Annual Rates |
|---|---|
| 23185 | $1,864 |
| 23186 | $1,877 |
| 23188 | $1,856 |
The Best Cheap Car Insurance Companies in Williamsburg, VA
Take a look at a side-by-side comparison of the top car insurance companies in Williamsburg, VA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,283 |
| Geico | $1,834 |
| Nationwide | $1,714 |
| Progressive | $2,221 |
| State Farm | $2,104 |
| USAA | $1,765 |
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 Williamsburg, Virginia
Find the cheapest car insurance companies in Williamsburg, VA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Cheapest Williamsburg, VA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Williamsburg car insurance rates. Find the cheapest Williamsburg, VA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,173 | $3,284 | $3,393 |
| Geico | $1,758 | $1,832 | $1,912 |
| Nationwide | $1,782 | $1,700 | $1,661 |
| Progressive | $2,118 | $2,195 | $2,349 |
| State Farm | $1,964 | $2,101 | $2,247 |
| USAA | $1,687 | $1,769 | $1,840 |
What affects car insurance rates in Williamsburg, Virginia?
What factors can have an impact on Williamsburg, VA car insurance? There are several reasons why Williamsburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Williamsburg, Virginia.
Commute Time in Williamsburg
The more time you spend in your car the higher the risk of an accident. The average commute length in Williamsburg, VA is 19.1 minutes according to City-Data.
Traffic in Williamsburg
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Williamsburg, VA traffic data from INRIX ranks Williamsburg as the 991st-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 Williamsburg, VA
Ready to find affordable Williamsburg, Virginia car insurance today? Enter your ZIP code for fast, free Williamsburg, VA car insurance quotes.
Frequently Asked Questions
How often should I review and update my car insurance policy in Williamsburg, VA?
Review and update your car insurance policy annually or when significant changes occur, like acquiring a new vehicle or experiencing life events that may impact coverage needs.
Can I transfer my out-of-state car insurance to Williamsburg, VA?
When relocating to Williamsburg, VA, you typically need a new car insurance policy specific to the state. Your previous out-of-state coverage may not meet requirements.
What should I do if involved in a car accident in Williamsburg, VA?
If in a car accident in Williamsburg, VA, prioritize safety, exchange information, document the incident, and notify your insurer promptly to begin the claims process.
Can I suspend my car insurance coverage if not driving for an extended period in Williamsburg, VA?
Generally, you cannot suspend car insurance coverage in Williamsburg, VA unless surrendering your vehicle’s registration and plates. Consult your insurer for options.
Are there discounts available to reduce car insurance costs in Williamsburg, VA?
Many insurers offer discounts in Williamsburg, VA. Common ones include safe driver discounts, multi-policy discounts, good student discounts, and discounts for safety features.
Does my credit score affect car insurance rates in Williamsburg, VA?
Yes, your credit score can impact car insurance rates in Williamsburg, VA. Insurance companies may use credit-based insurance scores, with higher scores often associated with lower premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.