Best Pulaski, Virginia Auto Insurance in 2024 (Check Out the Top 10 Companies)
State Farm, USAA, and Progressive offer the best Pulaski, Virginia auto insurance, with rates starting at $18 per month. State Farm excels in reliability and customer satisfaction, USAA offers exclusive benefits for military families, and Progressive stands out with customizable coverage options.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Oct 30, 2024
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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: Oct 30, 2024
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.
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17,760 reviewsCompany Facts
Full Coverage in Pulaski Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
6,435 reviewsCompany Facts
Full Coverage in Pulaski Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
13,128 reviewsCompany Facts
Full Coverage in Pulaski Virginia
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsDiscover the best Pulaski, Virginia auto insurance with providers like State Farm, USAA, and Progressive, offering rates from $18/month.
Compare Pulaski’s auto insurance rates with “Newport News Virginia Auto Insurance Rates,” as well as those from Suffolk and Norfolk, to see how they stack up.
Our Top 10 Company Picks: Best Pulaski, Virginia Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | B | Local Agents | State Farm |
 | #2 | 12% | A++ | Military Savings | USAA |
 | #3 | 10% | A+ | Customizable Plans | Progressive |
 | #4 | 12% | A+ | Infrequent Drivers | Allstate |
 | #5 | 11% | A++ | Affordable Rates | Geico |
 | #6 | 13% | A+ | Vanishing Deductible | Nationwide |
 | #7 | 9% | A | Coverage Options | Liberty Mutual |
 | #8 | 12% | A++ | Young Adults | Auto-Owners |
 | #9 | 10% | A++ | Diverse Needs | Travelers |
 | #10 | 10% | A | Family Benefits | American Family |
Enter your ZIP code above to get free Pulaski, Virginia auto insurance quotes, allowing you to evaluate different policies side by side.
By exploring different providers, you can find a policy that fits your budget and meets your coverage needs, ensuring peace of mind while driving in your community.
- Find the best Pulaski, Virginia auto insurance with rates as low as $18/month
- Compare multiple providers to get coverage tailored to your specific needs
- State Farm is the top choice for affordable and reliable coverage in Pulaski
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#1 – State Farm: Top Overall Pick
Pros
- Top-Rated for Customer Service: State Farm is highly recommended for auto insurance due to its excellent customer service and claims handling.
- Broad Coverage Options: State Farm provides extensive coverage options, including rideshare insurance, making it a great choice. Discover more at “State Farm Auto Insurance Review.”
- Discounts for Safe Driving: Substantial discounts are offered for safe driving, which can help you get the best auto insurance rates if you have a clean driving record.
Cons
- Premiums Can Be Higher: State Farm’s premiums may be higher, which could affect the affordability even with their 15% bundling discount.
- Limited Discounts for Non-Standard Vehicles: The availability of discounts might be limited for non-standard or luxury vehicles.
#2 – USAA: Best for Military Savings
Pros
- Lowest Rates for Military Families: USAA provides some of the lowest rates available, making it an excellent choice, especially for military families.
- Excellent Customer Service: USAA is known for exceptional customer service and has an A++ financial rating, ensuring a top-notch experience.
- Comprehensive Coverage Options: USAA offers a range of coverage options tailored to military members. Discover coverages for military families at “USAA Auto Insurance Review.”
Cons
- Eligibility Restrictions: USAA insurance is only available to military members and their families, which may limit access to the best Pulaski, Virginia auto insurance for others.
- Limited Local Offices: Fewer local offices may impact those who prefer face-to-face service for the best Pulaski, Virginia auto insurance.
#3 – Progressive: Best for Customizable Plans
Pros
- Competitive Rates: Progressive is known for offering competitive rates, making it a strong candidate for the best Pulaski, Virginia, auto insurance.
- Flexible Coverage Options: Provides a range of customizable plans and features like Snapshot, which tracks driving habits. Learn more by checking out “Progressive Auto Insurance Review.”
- User-Friendly Online Tools: Progressive’s website and mobile app make it easy to manage policies and file claims, contributing to an optimal experience.
Cons
- Customer Service Variability: Some customers report inconsistent experiences with Progressive’s customer service, which could impact the quality of the auto insurance experience.
- Complex Policy Options: The extensive range of options and add-ons can be confusing, making it challenging to determine the best Pulaski, Virginia, auto insurance coverage.
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#4 – Allstate: Best for Infrequent Drivers
Pros
- High Customer Satisfaction: Allstate is highly rated for customer service, making it a top choice for the best Pulaski, Virginia, auto insurance.
- Multi-Policy Discounts: Allstate offers a 12% discount for bundling multiple policies, which can help you get coverage if you need it.
- Strong Financial Stability: With an A.M. Best rating of A+, Allstate provides reliable service and claims handling, ensuring you get the best from a financially stable provider.
Cons
- Higher Premiums: Allstate’s premiums can be higher, which might affect the affordability of the best auto insurance. Explore more about higher premiums at “Allstate Auto Insurance Review.”
- Limited Coverage Areas: Coverage options might be less flexible in specific locations, impacting the ability to secure the best.
#5 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico is known for its competitive and affordable rates, making it a strong contender for the best Pulaski, Virginia, auto insurance.
- User-Friendly Online Tools: Geico provides an easy-to-navigate website and mobile app, simplifying the process of managing policies and claims.
- Wide Range of Discounts: Offers numerous discounts, including savings for good drivers and low-mileage vehicles. Read “Geico Auto Insurance Review” for more information about discounts.
Cons
- Limited Local Agent Network: Geico’s focus on online services means fewer local agents are available, which might affect those who prefer face-to-face interactions.
- Customer Service Variability: Some customers report inconsistent experiences with Geico’s customer service, potentially impacting the quality.
#6 – Nationwide: Vanishing Deductible
Pros
- Strong Financial Stability: Nationwide’s A.M. Best rating of A+ indicates financial solid stability, ensuring reliable service for the best Pulaski, Virginia auto insurance.
- Flexible Coverage Options: This policy offers various coverage options, including the vanishing deductible feature. Explore more flexible coverage options at “Nationwide Auto Insurance Review.”
- Discounts for Safe Driving: Provides discounts for safe driving and other qualifying factors, which helps in securing the best Pulaski, Virginia, auto insurance rates.
Cons
- Higher Premiums for Some Drivers: Rates may be higher for specific drivers, affecting the affordability of the best Pulaski, Virginia auto insurance.
- Complex Policy Details: The extensive range of features and options can make understanding policy details challenging, complicating the search for the best auto insurance.
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#7– Liberty Mutual: Coverage Options
Pros
- Multi-Policy Discounts: Liberty Mutual offers a 9% bundling discount, which can be advantageous for obtaining auto insurance if you need multiple types of coverage.
- Wide Range of Coverage Options: Provides a variety of coverage types and add-ons, making it a viable option for the best Pulaski, Virginia auto insurance.
- Strong Financial Ratings: With an A.M. Best rating of A, Liberty Mutual is financially reliable, ensuring dependable service for those seeking the best auto insurance.
Cons
- Higher Rates for Certain Drivers: Premiums may be higher for drivers with poor credit or less favorable records, potentially affecting cost-effectiveness.
- Limited Local Agent Network: The availability of local agents may be fewer, impacting those who prefer personal interactions. Read more at “Liberty Mutual Auto Insurance Review.”
#8 – Auto-Owners: Best for Young Adults
Pros
- High Customer Satisfaction: Known for high customer satisfaction, Auto-Owners is a leading option for the best Pulaski, Virginia auto insurance.
- Competitive Rates: Offers competitive rates and discounts for safe driving. Look for more competitive rates that suit you at “Auto-Owners Auto Insurance Review.”
- Strong Financial Ratings: With an A++ A.M. Best rating, Auto-Owners provides reliable service and financial stability, ensuring it’s a solid choice.
Cons
- Limited Availability: Auto-Owners may not be available in all states, which can limit access to the best Pulaski, Virginia auto insurance for some potential customers.
- Average Online Tools: The online tools and resources may not be as advanced as some competitors, which could impact your experience when seeking the best auto insurance.
#9 – Travelers: Best for Diverse Needs
Pros
- Comprehensive Coverage Options: Travelers offers a wide range of customizable plans, making it a strong contender for the best Pulaski, Virginia auto insurance.
- Discounts for Multiple Policies: Travelers provide a 10% discount for bundling policies, which can help you find the best coverage for multiple types of insurance.
- Vital Customer Service: With an A.M. Best rating of A++, Travelers is known for excellent customer service and financial stability.
Cons
- Average Rates: While Travelers offers competitive rates, they might not always be the lowest, affecting how the best Pulaski, Virginia auto insurance compares in terms of cost.
- Complex Pricing Structure: The variety of options and add-ons can make understanding the pricing challenging. Read more about pricing structures at “Travelers Auto Insurance Review.”
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#10 – American Family: Best for Family Benefits
Pros
- Family Benefits: American Family is well-regarded for offering comprehensive coverage options for families.
- Flexible Coverage Options: They offer a range of customizable coverage options to suit different needs.
- Strong Customer Satisfaction: Known for high customer satisfaction ratings, American Family ensures a positive experience for policyholders.
Cons
- Higher Rates for Some Drivers: American Family’s rates can be higher than those of some competitors. Learn more about higher rates at “American Family Auto Insurance Review.”
- Limited Discounts for Young Drivers: Some insurers may not offer as many discounts for young or inexperienced drivers, which could impact the affordability of auto insurance for these groups.
Cheap Pulaski, Virginia Auto Insurance by Age and Gender
Pulaski, 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.
Pulaski, Virginia Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $21 | $64 |
| $28 | $65 |
| $27 | $67 |
| $23 | $59 |
| $32 | $68 |
| $35 | $66 |
| $30 | $61 |
| $18 | $63 |
| $29 | $70 |
| $25 | $43 |
This minimum coverage includes liability for bodily injury and property damage. Make sure you understand these requirements and consider additional coverage options to protect yourself and your vehicle fully.
Pulaski, Virginia Auto Insurance Discounts by Provider
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving, Multi-Policy, Anti-Theft, Good Student, Early Signing |
| Safe Driving, Multi-Policy, Early Signing, Good Student |
| Multi-Policy, Payment History, Safe Driving, Good Student |
| Multi-Policy, Safe Driving, Seat Belt Use, Defensive Driving |
| Multi-Policy, Early Signing, Safe Driving, Anti-Theft |
| Safe Driving, Multi-Policy, Anti-Theft, Paperless Billing, Good Student |
| Safe Driving, Multi-Policy, Continuous Coverage, Homeowner |
| Safe Driving, Multi-Policy, Anti-Theft, Good Student, Defensive Driving |
| Multi-Policy, Homeowner, Safe Driving, Continuous Coverage |
| Military Affiliation, Safe Driving, Multi-Policy, Defensive Driving |
Take a look at the required auto insurance in Pulaski, Virginia, and ensure you meet or exceed these standards to stay compliant and safeguarded. Understanding the car insurance requirements will help you choose a policy that fulfills legal obligations while providing adequate coverage.
Pulaski, Virginia Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $488 | $562 | $203 | $203 | $155 | $147 | $155 | $155 |
| $255 | $343 | $139 | $137 | $119 | $119 | $113 | $113 |
| $282 | $363 | $131 | $142 | $119 | $119 | $105 | $108 |
| $439 | $493 | $116 | $118 | $96 | $91 | $87 | $87 |
| $309 | $388 | $116 | $134 | $103 | $103 | $93 | $93 |
| $258 | $307 | $106 | $116 | $83 | $81 | $77 | $78 |
Auto insurance rates in Pulaski, Virginia, are affected by age, gender, and marital status. See how demographics impact the monthly cost of insurance.
Cheap Pulaski, Virginia Auto Insurance for Seniors
What are senior auto insurance rates in Pulaski, Virginia? Take a look at the monthly average rates for older drivers to see how premiums can vary based on age and driving history.
Seniors often benefit from lower rates due to their extensive driving experience and generally lower accident rates. However, it’s important to compare rates and discounts tailored explicitly to seniors to ensure you’re getting the best value.
Pulaski, Virginia Senior Auto Insurance Monthly Rates by Provider & Gender
| Insurance Company | Age: 60 Female | Age: 60 Male |
|---|---|---|
| $155 | $155 |
| $113 | $113 |
| $105 | $108 |
| $87 | $87 |
| $93 | $93 |
| $77 | $78 |
Seniors often benefit from lower rates due to their extensive driving experience and generally lower accident rates. Additionally, many insurance companies offer discounts specifically for senior drivers, recognizing their cautious driving habits.
Cheap Pulaski, Virginia Auto Insurance by Credit History
Credit history greatly impacts the cost of the cheapest auto insurance companies. Compare Pulaski, Virginia, monthly rates by credit history to see the difference. Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
Insurance companies often use credit scores to assess risk, with lower credit scores potentially leading to higher rates. By reviewing rates for different credit levels, you can get a clearer picture of how your financial history affects your insurance costs.
Pulaski, Virginia Auto Insurance Monthly Rates by Provider & Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| $315 | $252 | $208 |
| $186 | $158 | $158 |
| $203 | $163 | $148 |
| $212 | $186 | $174 |
| $238 | $148 | $117 |
| $185 | $126 | $104 |
Additionally, improving your credit score may help you secure better rates over time, as many insurers consider credit history when determining premiums and offer lower rates to those with higher credit scores.
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Cheap Pulaski, Virginia Auto Insurance Rates by Commute Length
Commute length and annual mileage are key factors that affect auto insurance rates in Pulaski, Virginia. Discover the cheapest monthly rates based on your commute length.
Insurance companies often consider longer commutes as increasing the likelihood of accidents, which can result in higher rates. By analyzing rates for different mileage levels, you can find the most cost-effective options for your specific driving habits.
Pulaski, Virginia Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 350+ |
| Total Claims Per Year | 280+ |
| Average Claim Size | 3,500 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 1.5 per 1,000 cars |
| Traffic Density | Moderate |
| Weather-Related Incidents | 20% of accidents |
Additionally, reducing your annual mileage might qualify you for discounts or lower rates. Some insurers offer programs or discounts specifically for low-mileage drivers, which can significantly lower your premiums.
Pulaski, Virginia Auto Insurance Monthly Rates by Provider & Annual Mileage
| Insurance Company | 6,000 Miles | 12,000 Miles |
|---|---|---|
| $251 | $266 |
| $164 | $170 |
| $171 | $171 |
| $191 | $191 |
| $163 | $172 |
| $133 | $143 |
Tracking your mileage and adjusting your driving habits accordingly can also lead to further savings. By reducing unnecessary trips, you can save on gas and insurance costs.
Compare Pulaski, Virginia Auto Insurance Quotes
Before you buy Pulaski, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below into our free comparison tool to find your cheapest auto insurance quotes.
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Taking the time to shop around can help you identify the best deals and potential savings based on your specific needs. Additionally, evaluating each provider’s coverage options, discounts, and customer service can ensure you make an informed decision.
Pulaski, Virginia Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Claims Process | A | Quick and efficient claims processing by major insurers |
| Coverage Options | A- | A wide variety of coverage plans available with flexibility |
| Affordability | B+ | Premiums are slightly above the state average but competitive compared to nearby areas |
| Customer Satisfaction | B | Satisfactory service, but some issues with smaller providers |
Be sure to review customer feedback and ratings to gauge policyholders’ overall satisfaction and find the best fit for your auto insurance requirements. Also, understanding “How do you file a car insurance claim?” with each provider can be crucial for a smooth claims process if you ever need to use your insurance.
Frequently Asked Questions
What specific auto insurance coverage do you need to meet Pulaski, VA’s legal requirements?
Pulaski, VA drivers must carry at least Virginia’s state-required liability coverage, ensuring financial protection in case of accidents. This minimum coverage guards against costs related to injuries or property damage to others.
What types of additional coverage can Pulaski, VA drivers consider?
Beyond basic liability, Pulaski drivers may add optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments to boost their protection. Each type helps cover a different aspect of risk, from vehicle damage to medical costs. Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.
Is car insurance legally required in Pulaski, VA?
Yes, car insurance is mandatory in Pulaski and throughout Virginia. The law requires drivers to carry liability insurance to cover potential damages to others. The factors that affect auto insurance rates, your driving history, location, and vehicle type affect the cost of this mandatory coverage.
What factors matter most when choosing an auto insurer in Pulaski, VA?
Key factors include an insurer’s financial stability, claims process, and customer satisfaction ratings. Look for companies with relevant discounts and coverage options, and explore customer reviews to gauge the service quality.
Can you customize your Pulaski, VA auto insurance policy beyond the minimum requirements?
Absolutely. Pulaski drivers can select additional coverages like comprehensive, collision, and medical payments, providing greater protection for themselves and their vehicles beyond Virginia’s minimum.
How can you find the best auto insurance rates in Pulaski, VA?
To find the best rates, compare quotes from multiple providers, evaluate each company’s coverage options and deductibles, and check reviews and ratings for customer service insights. Applying discounts can also help reduce your premium. By following these steps, you can increase your chances of securing the best Virginia auto insurance that meets your needs and budget.
What main factors impact your auto insurance premium in Pulaski, VA?
Premiums are influenced by factors such as driving history, vehicle type, age, and even credit score. Insurers use these factors to assess your risk level and determine your rate.
How does gap insurance work, and do Pulaski, VA drivers need it?
Gap insurance covers the difference between a vehicle’s current value and the remaining loan or lease balance if it’s totaled. It’s ideal for drivers with a new car loan, as Virginia’s rates for gap coverage vary by provider. Additionally, when quoting auto insurance rates by ZIP code, it’s important to consider gap insurance, as the value and depreciation of vehicles can vary significantly based on your location.
Can drivers with poor credit still find affordable auto insurance in Pulaski, VA?
Yes, though rates may be higher, drivers with poor credit can still obtain coverage. Comparing quotes from various insurers can help identify options, as some may offer better rates for lower credit scores.
What steps can you take to lower your auto insurance premiums?
Consider raising your deductible, keeping a clean driving record, and utilizing available discounts, such as safe driver or multi-policy discounts. Improving your credit score can also positively affect your rates. Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed 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.