How Much Does Auto Insurance Cost for Drivers Over Age 50 in Virginia?

The vehicle model needing coverage is a large consideration when consumers are trying to find cheap car insurance for drivers over age 50 in Virginia. Vehicles with more horsepower, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.

The list below outlines auto insurance premiums for a selection of the cheapest automobiles to buy insurance for.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Estimates do not factor in zip code location which can impact premium rates significantly.

Looking at the rates, you can conclude that makes and models like the Ford Escape, Honda Accord, and Honda CR-V should be some of the cheaper vehicles to insure for older drivers.

Trying to find budget auto insurance is not always easy, and finding out which company quotes the lowest-priced insurance rates for drivers over age 50 will take even more rate comparisons. Rates will probably be slightly less expensive than the average policy in Virginia, with the decrease attributed to the reduced risk that goes along with selling coverage for older drivers. Reasonably-priced coverage should be attainable without looking to hard.
Every auto insurer has their own unique process to set policy rates, so first we will examine the overall cheapest insurance companies in Virginia.

Find the Cheapest Auto Insurance for Age 50+

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Travelers may offer some of the lowest car insurance rates in Virginia at around $679 per year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also make the cut as some of the most economical Virginia car insurance companies.

In the above rates, if you have coverage with Auto-Owners and switched to USAA, you may realize savings of roughly $49. Virginia drivers with Utica National may save as much as $72 a year, and The Hartford customers might reduce rates by $92 a year.

To get a fast rate comparison, click here to get quotes or quote rates from the companies below.

Bear in mind that those rates are averaged for all insureds and vehicles and and are not calculated with a rate discount for drivers over age 50. So the car insurance company that fits you best may not even be featured in the rate chart shown above. That emphasizes why you need to quote rates from many companies using your own driver data and vehicle information.

One of the many things that is used to help calculate rate quotes is the neighborhood you call home in Virginia. Areas with more people or higher crime rates like Burke, Dale City, and Centreville are more likely to have higher rates, whereas areas that tend to be more rural receive better rates.

The information below sorts the priciest cities in Virginia for drivers over age 50 to buy an auto insurance policy in.

Rate information is comparative as specific location information can revise insurance rates noticeably.

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

When shopping around for car insurance for older drivers in Virginia, the companies that insure more vehicles than anyone else are Progressive, Geico, Allstate, and State Farm. Between them, they insure nearly half of all policies written. The table below ranks price, claims, and customer service ratings, as well as some optional coverages offered by each company.