How Much are Auto Insurance Quotes for Teenagers in Virginia?

How Much are Auto Insurance Quotes for Teenagers in Virginia?

The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, specifically when you are shopping around for the best car insurance rates for teenagers. Because it’s not cheap, let’s go over some things that have a considerable impact on auto insurance prices, and see if we can help you cut the cost of your next policy.

The car, truck, or SUV needing coverage is probably the biggest factor when shopping around for cheap insurance for teenagers in Virginia. Vehicles with higher performance characteristics, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than safer, lower-performance models. The data below presents coverage prices for a selection of the more afforable vehicles to insure in Virginia.

Cheapest Auto Insurance Rates for Teenagers in Virginia
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,876
Hyundai Elantra GLS Touring Station Wagon $1,885
Honda Accord LX-P 4-Dr Sedan $1,876
Ford Escape XLT 4WD $1,897
Chevrolet Traverse LS AWD $1,919
Toyota Prius $2,057
Hyundai Tucson GLS 2WD $2,067
Subaru Forester X Limited Edition AWD $2,079
Dodge Grand Caravan SE $2,088
Ford F-150 STX Regular Cab 4WD $2,097
Ford Focus SE 4-Dr Sedan $2,205
Ford Edge SE AWD $2,211
Honda Odyssey EX W/Rear Entertainment $2,205
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Data variables include single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in your specific Virginia location which can lower or raise auto insurance rates noticeably.

Looking at the data, you can assume that models like the Honda CR-V, Hyundai Elantra, Honda Accord, and Ford Escape are the more affordable vehicles to insure for teen drivers. The cost of auto insurance will tend to be more expensive because there is more claim risk for teenagers, but generally speaking those vehicles will most likely have the cheapest rates compared to other vehicles.

One of the key factors that car insurance companies take into consideration when calculating rate quotes is where you live in Virginia. Densely populated urban areas like Burke, McLean, and Dale City tend to have higher rates, whereas more rural areas generally benefit from lower car insurance rates.

The information below lists the higher priced cities in Virginia for teenagers in which to buy car insurance.

How much does car insurance cost in Virginia?
Rank City Average Per Year
1 Burke $1,068
2 Alexandria $1,047
3 McLean $1,015
4 Arlington $1,013
5 Dale City $1,008
6 Centreville $1,007
7 Lake Ridge $1,002
8 Richmond $975
9 Portsmouth $972
10 Norfolk $970
11 Reston $963
12 Tuckahoe $957
13 Danville $950
14 Chesapeake $935
15 Hampton $934
16 Suffolk $928
17 Newport News $920
18 Charlottesville $913
19 Virginia Beach $910
20 Leesburg $904
21 Ashburn $893
22 Lynchburg $877
23 Roanoke $807
24 Blacksburg $791
25 Harrisonburg $784
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Premium amounts are comparative as the specific zip code location can change auto insurance rates greatly.

How to find a good Virginia car insurance company

Ending up with a good quality insurance provider can be difficult considering how many choices drivers have in Virginia. The company rank data in the next section may help you pick which auto insurance companies you want to consider comparing rates from. These rankings are only made up of the largest companies in America, so companies that only write business in Virginia or surrounding areas will not be included in these rankings.

Top Ten Car Insurance Companies in Virginia
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Best Car Insurance Companies

Liability only or full coverage

Finding cheap insurance for teenagers in Virginia is probably important to the majority of drivers, and one way to save on the cost of insurance is to not pay for full coverage. The chart below visualizes the comparison of premium costs with full phyical damage coverage and with liability coverage only. The rates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

Averaged out for all age groups, full coverage costs $1,087 per year over and above liability coverage. Many people question when is the right time to remove full coverage. There is no set guideline to delete physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

There are a few cases where removing full coverage is not a good idea. If you still have a lienholder on your title, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.

Who is cheaper: Allstate, Geico, Progressive, or State Farm?

When comparing car insurance for teen drivers, the four most popular companies are Allstate, Geico, Progressive, and State Farm. Between them, they make up almost 50% of all auto insurance policies in force. The following table illustrates price, claims, and customer service ratings, as well as some optional coverages that are available.

Top U.S. Car Insurance Company Ratings
Allstate Geico Progressive State Farm
Claims Service 1st 3rd 4th 2nd
Client Satisfaction 2nd 1st 3rd 4th
Number of Discounts 1st 2nd 4th 3rd
Policy Cost 4th 1st 3rd 2nd
Percent of customers who recommend 86% 87% 88% 88%
A.M. Best rating A+ A++ A+ A++
Roadside assistance Yes Yes Yes Yes
Usage-based rating Yes No Yes Yes
New car replacement Yes No No No
Accident forgiveness coverage Yes Yes Yes No
Breakdown insurance No Yes Yes No
Rideshare coverage Yes Yes Yes Yes
Types of agents used Can only buy from Allstate agents From a Geico agent or online Online or from independent agents Only from State Farm agents
Number of agents 11,000+ 150+ 30,000+ 18,000+
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