For drivers in Lynchburg, one of the largest components that help determine the amount you pay each year for auto insurance is your zip code in Lynchburg. Areas with more people or even just a higher incidence of claims are more likely to pay higher prices, whereas areas with less people or fewer weather incidents have the luxury of lower rates.

The following table lists the highest-priced places in Virginia to buy an auto insurance policy in. Lynchburg is ranked at #22 with a yearly cost of $877 for the average insurance policy, which is around $73 monthly.

How much does car insurance cost in Lynchburg, VA?
Rank City Annual Rate
1 Lake Ridge $1,042
2 Dale City $1,038
3 Burke $1,026
4 Alexandria $1,005
5 Centreville $997
6 McLean $985
7 Arlington $983
8 Richmond $975
9 Hampton $972
10 Norfolk $970
11 Reston $963
12 Tuckahoe $939
13 Virginia Beach $938
14 Chesapeake $935
15 Portsmouth $934
16 Newport News $930
17 Charlottesville $922
18 Ashburn $920
19 Danville $912
20 Leesburg $904
21 Suffolk $901
22 Lynchburg $877
23 Roanoke $823
24 Harrisonburg $800
25 Blacksburg $775
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Rate information is comparative as the specific area where the vehicle is garaged can affect premiums noticeably.

Knowing where Lynchburg ranks compared to other Virginia cities, trying to find low-cost car insurance is hard enough, and figuring out which insurers offer the lowest-priced auto insurance rates in Lynchburg involves a bit more work. Each insurer has a proprietary method for filing rates in each state, so we'll take a look at the auto insurance companies with the overall cheapest rates in Lynchburg, VA.

Keep in mind that Virginia auto insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. Getting older, buying a safer car, or getting a ticket for careless driving may prompt premium changes that can now make some companies more affordable than competitors.

Cheap Insurance Rates in Lynchburg

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Cheapest insurance companies in Virginia
Rank Company Cost Per Year
1 Travelers $653
2 USAA $695
3 Cincinnati Insurance $733
4 Penn National $748
5 The Hartford $785
6 Auto-Owners $788
7 Erie $788
8 Utica National $788
9 Virginia Farm Bureau $810
10 Donegal Mutual $852
11 Nationwide $953
12 ALFA $998
13 Allied $1,022
14 GEICO $1,026
15 National Grange Mutual $1,071
16 State Farm $1,110
17 Chubb $1,134
18 Electric $1,180
19 Amica $1,229
20 California Casualty $1,239
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Travelers generally has some of the cheapest car insurance rates in Lynchburg at around $653 annually. This is $505 less than the average price paid by Virginia drivers of $1,158. USAA, Cincinnati Insurance, Penn National, and The Hartford also make the cut as some of the cheaper Lynchburg, VA auto insurance companies.

In the above rates, if you buy coverage from The Hartford and switched to USAA, you may realize a yearly savings of about $90. Insureds with Auto-Owners might save as much as $93 a year, and Erie customers might realize rate reductions of up to $93 a year.

To find the cheapest coverage for you, click here to begin a quote or visit several of the following companies.

It's important to note that these premium estimates are averages for all insureds and vehicles and and are not figured with a specific vehicle garaging location in Lynchburg. So the auto insurance company that is best for you may not even be in the top 30 companies shown above. That illustrates why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

The car, truck, or SUV you are trying to insure is a large factor when comparing quotes for the most economical insurance in Lynchburg. Vehicles with higher performance, poor crash test ratings, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The data below presents insurance costs for the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Lynchburg, VA
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape Limited 4WD $990
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,005
Jeep Grand Cherokee Laredo 4WD $1,081
Dodge Grand Caravan Crew $1,103
Honda Civic VP 4-Dr Sedan $1,118
Hyundai Elantra GLS Touring Station Wagon $1,120
Honda CR-V LX 2WD $1,127
Toyota Corolla LE $1,138
Chevrolet Impala LTZ $1,148
Volkswagen Jetta SE 4-Dr Sedan $1,159
Nissan Rogue SL 2WD $1,161
Hyundai Sonata GLS 4-Dr Sedan $1,167
Ford Explorer XLT AWD $1,177
GMC Sierra 3500HD SLT Extended Cab 2WD $1,181
Ford Edge SEL 2WD $1,218
Chevrolet Silverado LS Regular Cab 4WD $1,229
Honda Accord EX-L 2-Dr Coupe $1,240
Chevrolet Equinox LS AWD $1,242
Toyota Prius $1,244
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,266
Ford Focus S 4-Dr Sedan $1,300
Nissan Altima 2.5 S 4-Dr Sedan $1,307
Toyota RAV4 Sport 4WD $1,326
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in your specific Lynchburg, VA location which can increase or decrease price quotes substantially.

Based upon these rates, you can expect models like the Ford Escape, Jeep Wrangler, Jeep Grand Cherokee, and Dodge Grand Caravan are a few of the more affordable vehicles to insure for drivers in Lynchburg.

Impact of citations and accidents on Lynchburg insurance rates

The ideal way to maintain affordable car insurance premiums for drivers in Lynchburg is to drive safely and avoid accidents and violations. The illustration below shows how traffic citations and at-fault collisions raise insurance prices for different age groups. The prices are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.

In the chart above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,269. Factor in one speeding ticket and the average cost surges to $1,479, an increase of $210 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of car insurance in Lynchburg goes up to an average of $3,356. That's an increase of $2,087, or $174 per month, just for being a less-than-perfect driver!

Get discount Lynchburg auto insurance

Insurers that offer cheap quotes in Lynchburg may additionally offer rate discounts that can lower rates by as much as 25% or more if you are eligible for them. Popular car insurance companies and the discounts they provide can be read below.

The information below shows the difference between insurance costs with and without discounts applied to the rates. The data assumes a female driver, no claims or violations, Virginia state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, accident-free, homeowner, marriage, safe-driver, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on car insurance in Lynchburg is 28% or $435.

Rate comparison of full coverage and liability-only

Paying a lower price for car insurance is probably important to most vehicle owners, and one great way to pay lower rates for insurance in Lynchburg is to only pay for liability coverage. The chart below compares auto insurance rates with and without physical damage coverage. The rates are based on no claims or driving violations, $250 deductibles, marital status is single, and no other discounts are factored in.

If we average the cost for all age groups, physical damage coverage on your policy costs $1,358 per year over liability only. Many people question if you should buy full coverage at all. There is no definitive rule to stop paying for physical damage coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.

How to find cheaper car insurance in Lynchburg

It is possible to find better rates, and here are some of the recommended money-saving ideas that can help Virginia drivers locate cheaper coverage.

The last item on the list is incredibly vital, as we stressed in the article above. Coverage rates fluctuate considerably, so you should be ready to buy from a different company if a lower price can be found. We understand brand loyalty, but we do not recommend it if that inflexibility results in costing you a small fortune. In just a few minutes you could shop around and find cheaper car insurance in Lynchburg.