Fredericksburg, VA Auto Insurance (2024)
The average Fredericksburg, VA auto insurance rates are $203 per month. The minimum auto insurance in Fredericksburg is at least 25/50/20 in coverage to comply with Virginia auto insurance laws. To find the best cheap auto insurance in Fredericksburg, Virginia, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Fredericksburg is 30.0 minutes
- Average auto insurance rates in Fredericksburg, VA for senior drivers are $1,403 per year
- The minimum auto insurance required in Fredericksburg, Virginia is 25/50/20
Fredericksburg, Virginia auto insurance requirements are 25/50/20 according to Virginia auto insurance laws. Finding cheap auto insurance in Fredericksburg can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fredericksburg, Virginia, including driving record, credit, commute time, and more.
Compare auto insurance in Fredericksburg to other Virginia cities, including Suffolk auto insurance rates, Virginia Beach auto insurance rates, and Roanoke auto insurance rates to see how Fredericksburg, Virginia auto insurance rates stack up.
Before you buy Fredericksburg, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fredericksburg, Virginia auto insurance quotes.
Minimum Auto Insurance in Fredericksburg, Virginia
Fredericksburg, Virginia auto insurance laws require that you have at least the Virginia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fredericksburg, Virginia.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Cheap Fredericksburg, Virginia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Fredericksburg, Virginia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,145 | $2,023 | $2,132 | $2,132 | $6,717 | $7,709 | $2,787 | $2,787 |
| Geico | $1,506 | $1,496 | $1,430 | $1,430 | $3,285 | $4,386 | $1,753 | $1,724 |
| Nationwide | $1,493 | $1,501 | $1,324 | $1,359 | $3,598 | $4,633 | $1,649 | $1,793 |
| Progressive | $1,180 | $1,114 | $1,076 | $1,075 | $5,572 | $6,243 | $1,424 | $1,444 |
| State Farm | $1,423 | $1,423 | $1,292 | $1,292 | $4,413 | $5,534 | $1,612 | $1,857 |
| USAA | $1,220 | $1,203 | $1,139 | $1,149 | $3,754 | $4,469 | $1,574 | $1,732 |
Cheap Fredericksburg, Virginia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Fredericksburg, Virginia is a challenge. Take a look at the annual teen auto insurance rates in Fredericksburg, Virginia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,717 | $7,709 |
| Geico | $3,285 | $4,386 |
| Nationwide | $3,598 | $4,633 |
| Progressive | $5,572 | $6,243 |
| State Farm | $4,413 | $5,534 |
| USAA | $3,754 | $4,469 |
Cheap Fredericksburg, Virginia Auto Insurance for Seniors
What are senior auto insurance rates in Fredericksburg, Virginia? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,132 | $2,132 |
| Geico | $1,430 | $1,430 |
| Nationwide | $1,324 | $1,359 |
| Progressive | $1,076 | $1,075 |
| State Farm | $1,292 | $1,292 |
| USAA | $1,139 | $1,149 |
Cheap Fredericksburg, Virginia Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fredericksburg, Virginia compared to the annual auto insurance rates with a clean record in Fredericksburg, Virginia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,654 | $4,245 | $3,892 | $3,424 |
| Geico | $1,619 | $2,096 | $3,170 | $1,619 |
| Nationwide | $1,886 | $1,886 | $2,764 | $2,140 |
| Progressive | $2,032 | $2,722 | $2,440 | $2,370 |
| State Farm | $2,143 | $2,568 | $2,356 | $2,356 |
| USAA | $1,573 | $2,041 | $2,696 | $1,811 |
Cheap Fredericksburg, Virginia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Fredericksburg, Virginia is not easy. Compare the annual rates for DUI auto insurance in Fredericksburg, Virginia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $3,892 |
| Geico | $3,170 |
| Nationwide | $2,764 |
| Progressive | $2,440 |
| State Farm | $2,356 |
| USAA | $2,696 |
Cheap Fredericksburg, Virginia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Fredericksburg, Virginia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,326 | $3,471 | $2,865 |
| Geico | $2,362 | $2,008 | $2,008 |
| Nationwide | $2,568 | $2,064 | $1,874 |
| Progressive | $2,651 | $2,335 | $2,187 |
| State Farm | $3,351 | $2,077 | $1,640 |
| USAA | $2,718 | $1,849 | $1,524 |
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Cheap Fredericksburg, Virginia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Fredericksburg, Virginia can vary. Compare the annual cost of auto insurance by ZIP code in Fredericksburg, Virginia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 22401 | $2,093 |
| 22405 | $2,071 |
| 22406 | $2,114 |
| 22407 | $2,128 |
| 22408 | $2,094 |
Cheap Fredericksburg, Virginia Auto Insurance Rates By Commute
Commute length and annual mileage affect Fredericksburg, Virginia auto insurance. Find the cheapest annual Fredericksburg, Virginia auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,445 | $3,663 |
| Geico | $2,087 | $2,165 |
| Nationwide | $2,169 | $2,169 |
| Progressive | $2,391 | $2,391 |
| State Farm | $2,297 | $2,414 |
| USAA | $1,955 | $2,105 |
Cheap Fredericksburg, Virginia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Fredericksburg, Virginia? Check out the comparison of annual Fredericksburg, Virginia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,448 | $3,555 | $3,659 |
| Geico | $2,041 | $2,124 | $2,213 |
| Nationwide | $2,278 | $2,148 | $2,081 |
| Progressive | $2,278 | $2,363 | $2,532 |
| State Farm | $2,208 | $2,353 | $2,507 |
| USAA | $1,949 | $2,034 | $2,107 |
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Best By Category: Cheapest Auto Insurance in Fredericksburg, Virginia
Compare the cheapest auto insurance companies in Fredericksburg, Virginia in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Progressive |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Fredericksburg, Virginia Auto Insurance Companies
What auto insurance companies in Fredericksburg, Virginia are the cheapest? Compare the top Fredericksburg, Virginia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,554 |
| Geico | $2,126 |
| Nationwide | $2,169 |
| Progressive | $2,391 |
| State Farm | $2,356 |
| USAA | $2,030 |
What affects auto insurance rates in Fredericksburg, Virginia?
There are a lot of reasons why auto insurance rates in Fredericksburg, Virginia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fredericksburg, Virginia. Many local factors may affect your Fredericksburg auto insurance rates.
Fredericksburg Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fredericksburg, Virginia commute length is 30.0 minutes according to City-Data.
Fredericksburg Traffic
How does Fredericksburg, Virginia rank for traffic? According to Inrix Fredericksburg, Virginia is the 723rd most congested worldwide.
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Compare Fredericksburg, Virginia Auto Insurance Quotes
Before you buy Fredericksburg, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fredericksburg, Virginia auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between you and an insurance company that protects you financially in the event of a car accident, theft, or damage to your vehicle. It provides coverage for bodily injury liability, property damage liability, medical payments, collision, comprehensive, and uninsured/underinsured motorist coverage.
Is auto insurance mandatory in Fredericksburg, VA?
Yes, auto insurance is mandatory in Fredericksburg, VA. The state of Virginia requires all drivers to have minimum liability coverage to legally operate a vehicle.
What are the minimum auto insurance requirements in Fredericksburg, VA?
In Virginia, the three minimum auto insurance requirements are as follows:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $20,000 property damage liability coverage per accident
Can I customize my auto insurance coverage?
Yes, you can customize your auto insurance coverage to suit your specific needs. You can choose the coverage limits, deductibles, and additional options such as rental reimbursement, roadside assistance, or gap coverage.
How can I save money on my auto insurance in Fredericksburg, VA?
Here are top four tips to help you save money on your auto insurance:
- Maintain a clean driving record.
- Consider raising your deductibles.
- Bundle your auto insurance with other policies (e.g., home insurance) from the same insurer.
- Inquire about available discounts, such as multi-car discounts, safe driver discounts, or good student discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.