Cheap Car Insurance for High School Students in Virginia

You have probably watched the catchy advertisements from car insurance companies like Liberty Mutual, The General, and Farmers that guarantee huge savings, so you just need to choose any of them, right?

It’s not that easy, however, as there are a whole bunch of unknowns such as how many years you have been driving, your gender, whether you need higher levels of liability coverage, and if you are insuring for full coverage or just liability only. This article covers these things and educate you enough to have a good start in finding the cheapest car insurance in Virginia.

The car, truck, or SUV you are trying to insure is one of the largest factors when looking for the lowest-priced car insurance for high school students. Vehicles with economical engines, good safety features, or a positive history of liability claims will cost significantly less to insure than fast, unsafe models. The information below estimates car insurance premiums for a selection of the most cost-effective automobiles to buy coverage for.

Table data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific zip code location which can increase or decrease coverage prices noticeably.

Looking at the rates, we can conclude that makes and models like the Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota Prius are most likely to be some of the most affordable vehicles to insure for teenagers. The cost of auto insurance will trend higher because there is more claim risk for high school students, but in general those particular models will have the lowest insurance rates compared to all other vehicles.

One of the more important considerations that is used by insurance companies to determine the annual cost of car insurance is where you keep your car in Virginia. Areas with increased crime or more people like Burke, Dale City, and McLean tend to have higher rates, whereas areas that tend to be more rural profit from lower rates.

The following table ranks the highest-priced places in Virginia for high school students in which to buy car insurance.

Premium amounts are approximated as vehicle location can revise premiums substantially.

Trying to buy low-cost car insurance is easier said than done, and figuring out which companies have the lowest-priced car insurance rates for high school students calls for a bit more work. Prices could be significantly higher than the average price in Virginia, with the extra cost attributed to the potential for higher claims associated with selling coverage for teenagers, but competitively-priced insurance should be available with a little diligence. Every auto insurer has a different process to determine premium rates, so to begin we’ll rank the car insurance companies with the overall best prices in Virginia.

It’s a good idea to know that Virginia car insurance rates are influenced by many factors that will increase or decrease the cost of coverage. This price variability is why it is so important to do a thorough rate comparison to find the most affordable car insurance rates for high school students. Insurance prices are calculated by many risk factors and change dramatically, so the most economical company when you last compared rates may now be wasting a lot of money.

Best Cheap Insurance Rates for Students

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Travelers has some of the most affordable car insurance rates in Virginia at around $653 each year. USAA, Penn National, Auto-Owners, and Cincinnati Insurance would also be considered some of the cheapest Virginia insurance companies.

As shown in the table above, if you buy coverage from Penn National and switched to Travelers, you could realize yearly savings of in the vicinity of $95. Drivers with Auto-Owners may save as much as $105 a year, and Cincinnati Insurance insureds might see rate reductions of $110 a year.

To get a fast rate comparison, click here to start a quote or quote prices from the following companies.

It’s important to note that these premium estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a rate increase for high school students. So the insurer that fits your age and vehicle best may not even be shown in the company chart above. That’s why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Allstate, Progressive, State Farm, and Geico: Who is cheapest?

If you’re looking for the best auto insurance for teenagers, probably the best companies to start with are Allstate, Progressive, State Farm, and Geico. If you combine them together, they insure almost 50% of the entire U.S. auto insurance market. The table below compares ratings and policy coverage options that are available for policyholders.