Cheapest Car Insurance for Infrequent Drivers in Virginia

This article would sure be shorter if we could just give you the name of the one best car insurance company that has the best auto insurance prices in Virginia. It’s not quite that easy, unfortunately, as there are a whole slew of unknown aspects like what deductibles you want to use, the insurance company you are currently insured with, and if you are a homeowner or renter. The information below covers the best ways to find cheap car insurance and also should give you some help in finding cheaper rates.

Locating low-cost auto insurance is not the easiest thing to accomplish, and determining which company has the cheapest insurance rates for infrequent drivers takes a bit more work. Every car insurance company uses their own formula to set their prices, so first let’s look at the rankings for the insurance companies with the overall best prices in Virginia.

It’s a good idea to know that Virginia insurance rates are impacted by many factors which can substantially decrease or increase the price you pay for coverage. Simply having another birthday, buying a newer car, or having an accident can trigger price changes resulting in some rates now being cheaper than competitors.

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Travelers generally has some of the best car insurance rates in Virginia at around $653 per year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also are some of the cheapest Virginia auto insurance companies.

As shown above, if you are a policyholder with Cincinnati Insurance and switched to USAA, you could realize an annual savings of in the neighborhood of $75. Policyholders with Auto-Owners might save as much as $77 a year, and The Hartford policyholders might lower prices by $89 a year.

It’s important to note that these premium estimates are averaged across all drivers and vehicles in Virginia and are not factoring in a price discount for infrequent drivers. So the auto insurance company that can offer you the best rate may not even be featured in the company chart above. That underscores the importance of why you need to get rate quotes using your own individual information.

For low mileage drivers, one of the big things that auto insurance companies use to determine auto insurance rates is where you choose to live. Areas that are densely populated or have higher claim frequency like Dale City, Centreville, and McLean are more likely to have higher rates, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.

The information below ranks the most costly cities in Virginia for infrequent drivers to purchase auto insurance in.

Annual rates are estimated as zip code location can revise coverage prices substantially.

Cost and performance of the vehicle you are seeking coverage for is one of the primary factors in finding the best cheap insurance for infrequent drivers. Vehicles with lower acceleration and performance, modern passenger safety features, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The next tables estimates coverage premiums for a handful of the more afforable automobiles to insure in Virginia.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in vehicle location which can influence coverage rates significantly.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Table data does not factor in specific garaging location which can raise or lower premium rates significantly.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in specific location information which can influence prices substantially.

The diagram below demonstrates how choosing different deductibles can increase or decrease insurance costs when researching cheap insurance for infrequent drivers. Data assumes a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

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As shown above, a 40-year-old driver could cut expenses by $286 a year by switching from a $100 deductible up to a $500 deductible, or save $430 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could save as much as $956 every year by choosing larger deductibles on their policy. If you do raise deductibles, it’s a good idea to have plenty of money set aside to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.