Wouldn't it be so easy if we could just tell you one specific company that has the lowest car insurance rates for low mileage drivers? It's not that easy, however, as there are a lot of unknowns like the miles you drive each year, whether or not you own a home, whether you are married or single, and what liability limits you need, that all have an effect on the price. If you keep reading, we will teach you about the types of things that cause high car insurance rates and educate you enough to have a solid foundation to find cheaper car insurance in Virginia.
For infrequent drivers, one of the more important components that help determine the price you pay for insurance is where you normally keep your vehicle. More densely populated places like Alexandria, Centreville, and Lake Ridge are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.
The illustration below lists the highest-priced areas in Virginia for low mileage drivers to purchase auto insurance in.
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Annual rates are estimated as the vehicle garaging location can revise coverage prices considerably.
Finding reliable, cheap insurance is tough enough, and determining which company offers the cheapest auto insurance rates for low mileage drivers in Virginia takes a bit more work. Each insurer uses a little different formula for determining rates in each state, so let's take a look at the lowest cost auto insurance companies in Virginia.
Best Insurance Companies in Virginia
|Rank||Company||Cost Per Year|
|9||Virginia Farm Bureau||$834|
|15||National Grange Mutual||$1,104|
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Travelers has some of the cheapest car insurance rates in Virginia at around $673 per year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also are some of the lowest-priced Virginia insurance companies.
As shown in the table above, if you currently have a policy with Penn National and switched to Travelers, you might achieve an annual premium reduction of about $53. Virginia drivers with Cincinnati Insurance could save as much as $60 a year, and Auto-Owners insureds might lower prices by $85 a year.
To find the cheapest coverage for you, click here to get quotes or quote prices from the following companies.
These policy rates are averages across all drivers and vehicles in Virginia and are not factoring in a rate discount for low mileage drivers. So the company that can offer the best rates for your situation may not even be in the top 30 companies in the list above. That points out the importance of why you need to get rate quotes using your own specific driver information and vehicle.
The make and model of vehicle you are insuring is one of the largest considerations that determines whether or not you can buy affordable coverage for low mileage drivers. Vehicles with higher performance, a lack of modern safety features, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models. The next table showcases insurance premiums for the most budget-friendly automobiles to insure in Virginia.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$460|
|Volkswagen Jetta S 2.5 Station Wagon||$499|
|Ford F-150 XL Regular Cab 4WD||$517|
|Toyota Tacoma 4WD||$525|
|Honda CR-V EX 2WD||$527|
|Ford Edge SEL AWD||$534|
|Dodge Grand Caravan SXT||$556|
|Toyota Camry SE||$574|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$585|
|Chevrolet Impala LS||$611|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$619|
|Toyota RAV4 Sport 4WD||$624|
|Chevrolet Silverado LT Crew Cab 2WD||$631|
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in zip code location which can modify premium rates significantly.
Based upon the table data, we can presume that models like the Ford Escape, Volkswagen Jetta, Ford F-150, Toyota Tacoma, and Honda CR-V are likely to be some of the more affordable vehicles to insure for infrequent drivers.
Get discounts on Virginia auto insurance rates
Insurers that sell policies for low mileage drivers could also offer price discounts that could lower prices by as much as 25% or more if you are eligible to receive them. Popular auto insurance companies and some of the discounts can be found below.
- Farmers Insurance includes discounts for multi-car, business and professional, switch companies, homeowner, and electronic funds transfer.
- Esurance offers discounts for anti-lock brakes, good student, safety device, anti-theft, Switch & Save, and multi-car.
- State Farm has savings for multiple policy, Steer Clear safe driver discount, Drive Safe & Save, good driver, accident-free, and student away at school.
- GEICO may include discounts for multi-policy, federal employee, military active duty, defensive driver, anti-lock brakes, and emergency military deployment.
- Allstate offers premium reductions for utility vehicle, good student, safe driver, early signing, EZ pay plan discount, and passive restraint.
The example below shows the comparison of insurance costs with and without policy discounts. Data assumes a female driver, no accidents or driving violations, Virginia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with accident-free, defensive driving course, multiple policy, marriage, vehicle safety, and homeowner discounts applied. With discounts applied, theaverage yearly reduction on auto insurance for low mileage drivers is 28% or $385.
Choosing the best auto insurance company can be rather challenging considering how many companies there are in Virginia. The ranking information shown next could help you analyze which coverage providers you want to consider purchasing from.
These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Virginia are not taken into consideration for the list. To get rate quotes from these and other top-rated companies, just click here.
Top 10 Large Car Insurance Companies in Virginia Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Mercury Insurance - 89%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
Illustration showing the impact of accidents and violations
A great way to maintain the cheapest auto insurance rates in Virginia for infrequent drivers is to be a safe driver and not have accidents or get tickets. The information below shows how violations and at-fault fender-benders can raise car insurance rates for different age categories. The premium estimates are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.
The chart shows that the average cost of a car insurance policy in Virginia per year with no accidents and a clean driving record is $1,546. Get written up for two speeding tickets and the average cost hikes up to $2,066, an increase of $520 each year. Now add one accident along with the two speeding tickets and the yearly cost of auto insurance for low mileage drivers in Virginia goes up to an average of $2,601. That's an increase of $1,055, or $88 per month, just for not driving responsibly!
How to find cheaper car insurance for low mileage drivers in Virginia
Here are a few money-saving ideas that can help you locate low-cost coverage.
- Keep your driving record clean
- Vehicles with good safety ratings have lower liability rates
- Avoid accidents and claims
- Raise physical damage deductibles
- Improve your credit rating
- Ensure you have the best deal by shopping around regularly
That last tip is notably important, as we noted in the prior information. Coverage rates vary greatly, so don't be afraid to buy from a different company if a cheaper rate is available.
We understand brand loyalty, but it's not a great idea if your bullheadedness ends up costing you big bucks every year. In just a few minutes you could compare prices to find cheaper car insurance for low mileage drivers.