15+ years in personal finance advising and writing
Holds Chartered Life Underwriter (CLU) designation
Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Cheapest recent rates near Virginia Beach, Virginia
Drivers using Insurify have found quotes as cheap as $33/mo for liability only and $71/mo for full coverage in Virginia Beach and other Virginia cities.
*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Virginia Beach, Virginia within the last 10 days. Last updated on May 16, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The coastal city of Virginia Beach, located where the Chesapeake Bay meets the Atlantic Ocean, offers a rich history, culinary scene, and family-friendly attractions for locals and tourists alike.
Even though Virginia is affected by tropical storms, Virginia Beach drivers pay about the same amount for car insurance than the rest of the state, on average. The overall average cost of car insurance in Virginia Beach is $135 per month, and the state overall average is $131 per month. Comparing quotes and making efforts to reduce your risk to insurers can save you even more on your monthly premium.
Here’s how to get the best coverage at the most affordable rates in Virginia Beach.
Quick Facts
The average cost of car insurance in Virginia Beach is $100 per month for liability coverage and $170 per month for full coverage.
Auto-Owners is the cheapest car insurance company in Virginia Beach for full coverage, with a monthly rate of $66.
Minimum car insurance requirements in Virginia are increasing for policies created on or after Jan. 1, 2025.[1]
3 of the cheapest car insurance companies in Virginia Beach
The car insurance quotes you receive from insurance companies are based on many variables, including your age, vehicle, driving record, coverage limits, deductible, and credit score. This means the best car insurance company for you may not be the best one for someone else.
Below are three of the top insurers in Virginia Beach to get you started in your search.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners
4.3
$69
$39
Low rates
State Farm
4.6
$71
$40
Customer service
USAA
4.7
$95
$54
Military members
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo
Auto-Owners Insurance Company offers the cheapest liability-only and full-coverage rates in Virginia Beach. A Fortune 500 company, Auto-Owners also has an A++ rating for financial stability from A.M. Best. Auto-Owners operates in 30 different states and also offers home, life, and business insurance.
Pros
Offers some of the lowest rates in Virginia Beach for both liability-only and full-coverage insurance
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$40/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$67/mo
With competitive rates and excellent customer service, State Farm presents a reliable option you can count on. The company’s customer service has consistently ranked among the top in the industry, and State Farm has used this, in part, to sell more policies than any other insurer in the country.
Pros
Ranked higher than the industry average in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study
There isn't much customer loyalty; discounts are negligible.
Charles - May 15, 2024
Verified
Good but Pricey
The price went up 36% this year and 15% last year, but the coverage is good and the claims seem to be fair. I use insurance that is better than the state requirements.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$91/mo
Whether you’re an active or reserve military personnel, a veteran, or a family member, USAA offers exclusive benefits and discounts, specialized coverages, and user-friendly digital tools. Eligible members can save money with good driver, bundling, and loyalty discounts, as well as through the company’s safe driving program, USAA SafePilot.
Pros
Affordable premiums
Ranked higher than the industry average in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study
Cons
Exclusively available to active military members, veterans, and their families
I recently sold my Lexus and attempted to remove it from my insurance policy. I was told that I first had to surrender the plates and registration, which I had already done in compliance with Florida law. I believe this should reduce my monthly insurance payment.
Herb - May 14, 2024
Verified
Frustration
It's hard to get them to access my accounts - it's also difficult to set up passwords.
…
How to get the cheapest car insurance in Virginia Beach
Factors such as your age, driving record, type of vehicle, and coverage options can all play a role in determining your car insurance rate. But whether you ’re a new driver or looking to switch companies, you can save by applying the following strategies:
Consider higher deductibles. Opting for a higher deductible can lower your premiums, but you’ll pay more out of pocket if you need to file a claim.
Maintain a clean driving record. Avoid accidents and traffic violations that can lead to higher premiums by practicing safe driving habits.
Look for discounts. Take advantage of common discounts — such as good driver, multi-policy, or safety feature discounts — to reduce your insurance costs.
Bundle your policies. Bundling your car insurance with other policies, such as homeowners insurance or renters insurance, can often lead to additional discounts and overall savings.
Compare quotes. You can find the most competitive rates and coverage options by comparing quotes from different insurers.
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Cheapest liability-only car insurance in Virginia Beach: Auto-Owners
Virginia was one of two states that let drivers prove they can financially cover damages from an at-fault accident instead of buying car insurance. Starting July 1, 2024, drivers must purchase minimum liability car insurance.
It’s important to remember that property damage and bodily injury liability coverage with a liability-only policy only pays for the other driver’s vehicle and property damage and injuries. It doesn’t cover repair costs for your vehicle or any of your medical bills due to an accident you cause.
Virginia Beach drivers pay an average of $100 per month for liability coverage, but here’s a list of the most affordable insurers in the city to start your search.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
39
State Farm
40
GEICO
54
USAA
54
Mercury
55
Chubb
59
Clearcover
62
Erie
62
Safeco
68
Nationwide
70
State Auto
71
Allstate
85
Progressive
85
Elephant
87
Direct Auto
89
Liberty Mutual
92
National General
99
AssuranceAmerica
105
Dairyland
108
CSAA
132
Bristol West
140
The General
158
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Virginia Beach: Auto-Owners
If you’re looking for more robust insurance coverage, you may choose to purchase full-coverage insurance instead. And if you’re financing or leasing your car, your lender may require you to buy full-coverage insurance no matter what. While liability-only coverage takes care of the other driver, their passengers, and their vehicle, full coverage also protects your vehicle.
The average cost of full-coverage insurance in the city is $170 per month. Here’s a list of the most affordable full-coverage insurance options in Virginia Beach.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
66
State Farm
67
GEICO
91
USAA
91
Chubb
99
Erie
103
Clearcover
104
Nationwide
112
Mercury
115
Safeco
120
Allstate
141
State Auto
142
Elephant
151
Direct Auto
155
AssuranceAmerica
159
Liberty Mutual
161
Progressive
162
National General
194
CSAA
205
Bristol West
274
Dairyland
276
The General
283
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Virginia
If you’re looking for liability-only coverage in Virginia, you’ll need coverage that meets the state’s minimum requirements:[1]
Coverage
Minimum Requirements
Bodily injury liability
$30,000 per person / $60,000 per accident
Property damage liability
$20,000 per accident
Important Information
These limits will increase for policies effective on or after Jan. 1, 2025. The new requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.
These are just minimum requirements. Drivers can also purchase the following add-ons to boost their car insurance coverage:
Comprehensive coverage
Comprehensive coverage pays for vehicle repairs after non-collision incidents, such as severe weather damaging your car, theft, vandalism, and more.
Collision coverage
Collision coverage pays for car repairs after you hit a stationary object or another car, regardless of fault.
Gap coverage
Also called guaranteed asset protection, this pays the difference between your auto loan balance and insurance settlement in the event of a total loss.
Roadside assistance coverage
Roadside assistance helps cover the costs of towing, labor, and other services if your car breaks down.
Cheapest car insurance for drivers with an incident
Driving incidents include speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions. If you have any of these incidents on your record, your rates are likely to increase, and depending on the severity or frequency of such incidents, your insurer may drop you altogether.[2]
On the other hand, your insurer may lower your rates after a couple years if you’ve had no further incidents appear on your driving history. Not all incidents are judged the same, and insurance companies generally look at DUI incidents as more severe than at-fault accidents and speeding tickets.
Below, you’ll find a collection of the most affordable insurers in Virginia Beach if you have an incident on your record.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If a speeding ticket appears on your record, your insurer could raise your rates. Two or more speeding tickets in a three-year period, however, and you should expect your insurer to raise your rates. Drivers with speeding tickets on their records in Virginia Beach pay an average of $141 per month for liability insurance.
Here’s a look at the insurers offering the most affordable coverage for drivers with a speeding ticket in Virginia Beach.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners
39
50
State Farm
40
51
GEICO
54
70
USAA
54
69
Mercury
55
76
Chubb
59
77
Clearcover
62
81
Erie
62
82
Safeco
68
89
Nationwide
70
91
State Auto
71
99
Midvale Home & Auto
76
101
Allstate
85
109
Progressive
85
110
Elephant
87
124
Direct Auto
89
116
Liberty Mutual
92
131
National General
99
141
GAINSCO
104
148
AssuranceAmerica
105
138
Dairyland
108
140
Travelers
112
145
CSAA
132
175
Bristol West
140
179
The General
158
206
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
An at-fault accident will almost always result in an insurance company bumping your rates up. Some companies have accident-forgiveness programs that mean you won’t endure a rate increase after certain types of accidents or after you’ve been insured for a specific period without an accident claim.
Drivers in Virginia Beach with an at-fault accident on their records pay an average of $145 per month for liability coverage. Here are the cheapest companies after an accident.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Auto-Owners
39
52
State Farm
40
53
GEICO
54
73
USAA
54
72
Mercury
55
78
Chubb
59
80
Clearcover
62
88
Erie
62
85
Safeco
68
88
Nationwide
70
95
State Auto
71
105
Midvale Home & Auto
76
108
Allstate
85
114
Progressive
85
116
Elephant
87
115
Direct Auto
89
122
Liberty Mutual
92
135
National General
99
132
GAINSCO
104
135
AssuranceAmerica
105
142
Dairyland
108
145
Travelers
112
151
CSAA
132
186
Bristol West
140
185
The General
158
216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Insurance companies generally see a DUI as the most serious type of incident. Some insurers will raise your rates for a DUI on your record, and others may cancel your coverage or refuse to insure you when you apply for new coverage. Drivers with speeding tickets on their records in Virginia Beach pay an average of $165 per month for liability insurance.
Once the DUI is off your Virginia DMV report, you’ll likely see your car insurance rates drop.
The most affordable insurers in Virginia Beach for drivers with a DUI on their record are listed below.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Auto-Owners
39
65
State Farm
40
67
GEICO
54
90
USAA
54
90
Mercury
55
83
Chubb
59
98
Clearcover
62
103
Erie
62
103
Safeco
68
113
Nationwide
70
117
State Auto
71
118
Midvale Home & Auto
76
127
Allstate
85
142
Progressive
85
142
Elephant
87
145
Direct Auto
89
148
Liberty Mutual
92
153
National General
99
165
GAINSCO
104
173
AssuranceAmerica
105
175
Dairyland
108
180
Travelers
112
186
CSAA
132
220
Bristol West
140
233
The General
158
263
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
After enduring the high cost of car insurance in your teens, you enjoyed your rate dropping around age 25. Unfortunately, regardless of how good your driving record is, car insurance rates tend to start rising around age 70. Senior drivers in Virginia Beach pay an average of $71 per month for liability coverage and $121 per month for full coverage.
Car insurance rates are higher for seniors for a couple reasons. First, older drivers are statistically more likely to be involved in an accident than younger adult drivers.[3] Second, the injuries seniors suffer from car accidents are often more serious, which leads to expensive medical bills and higher costs for your insurer.[4]
But that doesn’t mean you can’t find affordable car insurance in Virginia Beach as a senior driver. Start with the companies below.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
28
48
State Farm
29
48
Mercury
38
80
Chubb
40
67
GEICO
40
67
USAA
40
67
Erie
42
71
Clearcover
46
77
Nationwide
48
77
Safeco
51
89
State Auto
51
101
Midvale Home & Auto
53
86
Progressive
56
107
Allstate
63
105
Direct Auto
63
110
Elephant
63
110
Liberty Mutual
67
117
AssuranceAmerica
74
111
National General
74
144
GAINSCO
79
182
Dairyland
80
205
Travelers
81
102
CSAA
96
149
Bristol West
104
203
The General
120
215
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
If you’re a teen driver or have a teen driver, you know teens pay some of the highest car insurance rates on the market. This is because many young drivers have recently obtained their driver’s license, tend to speed, drive when distracted, and are generally inexperienced when faced with road hazards, like icy roads or torrential rain. Teens’ decision-making also isn’t always the best, and research shows alcohol is also a factor in many crashes involving teens.[5]
Teen drivers in Virginia Beach pay an average of $178 per month for liability coverage and $302 per month for full coverage.
But the good news is teen drivers have ways to save money on car insurance. They include staying on your parents’ car insurance, driving a safe car, and earning a good student discount. Other discounts available from insurers include good driver and accident-free discounts.
You can also save by selecting an affordable policy to begin, and you can review the average monthly quotes presented here.
The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
67
113
State Farm
67
113
GEICO
84
142
USAA
89
150
Mercury
99
208
Erie
104
172
Chubb
108
181
Nationwide
119
190
Clearcover
120
201
State Auto
125
250
Midvale Home & Auto
131
211
Safeco
141
249
Elephant
143
248
Allstate
148
245
Progressive
153
291
Direct Auto
161
281
Liberty Mutual
170
298
Dairyland
180
460
National General
183
359
GAINSCO
185
428
AssuranceAmerica
194
293
Travelers
200
252
CSAA
215
334
Bristol West
237
463
The General
254
455
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Virginia Beach car insurance quotes by credit tier
Insurers can use your credit history as a factor when determining your car insurance rates in the state of Virginia. This is important because insurers generally consider people with lower credit scores to be more likely to file a claim. As such, drivers with excellent or good credit scores typically pay significantly less than drivers with poor credit scores.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Virginia Beach?
Virginia Beach residents pay an average of $100 for liability-only coverage and $170 per month for full coverage. This is comparable to the averages of $93 and $168, respectively, across the state. Virginia residents also pay less for insurance than residents of Maryland, but their insurance prices are higher than those paid by West Virginia residents.
Part of the reason insurance costs could be higher in Virginia is the state’s higher cost of living and the risk presented by seasonal hurricanes.
Other cities in Virginia
Here’s how Virginia Beach car insurance costs compare to other Virginia cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Virginia Beach car insurance FAQs
Finding the right level of auto coverage for an affordable price doesn’t have to feel overwhelming. The information below should answer your remaining questions and help you navigate the process of finding the best Virginia Beach insurer for you.
What are the best car insurance companies in Virginia Beach?
The best car insurance company in Virginia Beach is a close competition between several insurers. Auto-Owners offers the most affordable rates; but State Farm is right behind and has an Insurify Quality Score of 4.6 out of 5, compared to Auto-Owners’ score of 4.3. USAA is also a quality option in Virginia Beach, but its services are only available to members of the military and their families.
What are the cheapest car insurance companies in Virginia Beach?
Auto-Owners, State Farm, and GEICO are the cheapest liability car insurance companies in Virginia Beach, with rates starting at $39, $40, and $54 per month, respectively.
But the cheapest company for you depends on your coverage needs and budget. Compare rates from at least three different companies to find the one that offers you the best deal on coverage.
How much is car insurance in Virginia Beach?
The average cost of car insurance in Virginia Beach is $100 per month for liability coverage and $170 per month for full coverage.
Is it illegal to drive without car insurance in Virginia?
Virginia was one of two states (the other being New Hampshire) where you could disregard liability coverage if you prove you have the financial means necessary to cover your liability requirements on your own. But this requirement changed in 2024 and drivers must now purchase minimum coverage.
How much car insurance is required in Virginia?
If you’re carrying liability-only car insurance in Virginia, your insurance must meet the state’s minimum requirements. This includes bodily injury liability coverage amounting to $30,000 for injury or death of one person and $60,000 for injury or death of two or more people. Your policy must also include property damage liability protection of $20,000.
For policies renewed or created on or after Jan. 1, 2025, the requirements will be $50,000/$100,000 for bodily injury liability and $25,000 for property damage liability.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Having spent more than 15 years helping people plan their lives financially, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.