Best Stafford, Virginia Auto Insurance in 2024
The average Stafford, VA auto insurance rates are $209 per month. The minimum auto insurance in Stafford is at least 25/50/20 in coverage to comply with Virginia auto insurance laws. To find the best cheap auto insurance in Stafford, Virginia, compare quotes from multiple companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Oct 5, 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.
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 5, 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.
On This Page
- The cheapest auto insurance company in Stafford is USAA
- The average commute length in Stafford is 35.0 minutes
- Average auto insurance rates in Stafford, VA for senior drivers are $1,440 per year
Stafford, Virginia auto insurance requirements are 25/50/20 according to Virginia auto insurance laws. Finding cheap auto insurance in Stafford 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 Stafford, Virginia, including driving record, credit, commute time, and more.
Compare auto insurance in Stafford to other Virginia cities, including Roanoke auto insurance rates, Richmond auto insurance rates, and Newport News auto insurance rates to see how Stafford, Virginia auto insurance rates stack up.
Before you buy Stafford, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Stafford, Virginia auto insurance quotes.
Minimum Auto Insurance in Stafford, Virginia
Stafford, 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 Stafford, 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 Stafford, Virginia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Stafford, 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 | $2,231 | $2,103 | $2,217 | $2,217 | $7,037 | $8,074 | $2,899 | $2,896 |
| Geico | $1,506 | $1,496 | $1,430 | $1,430 | $3,285 | $4,386 | $1,753 | $1,724 |
| Nationwide | $1,495 | $1,504 | $1,326 | $1,362 | $3,589 | $4,628 | $1,651 | $1,797 |
| Progressive | $1,252 | $1,181 | $1,140 | $1,140 | $5,953 | $6,676 | $1,514 | $1,540 |
| State Farm | $1,549 | $1,549 | $1,407 | $1,407 | $4,838 | $6,061 | $1,755 | $2,027 |
| USAA | $1,172 | $1,155 | $1,098 | $1,104 | $3,628 | $4,315 | $1,509 | $1,657 |
Cheap Stafford, Virginia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Stafford, Virginia is a challenge. Take a look at the annual teen auto insurance rates in Stafford, Virginia.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,037 | $8,074 |
| Geico | $3,285 | $4,386 |
| Nationwide | $3,589 | $4,628 |
| Progressive | $5,953 | $6,676 |
| State Farm | $4,838 | $6,061 |
| USAA | $3,628 | $4,315 |
Cheap Stafford, Virginia Auto Insurance for Seniors
What are senior auto insurance rates in Stafford, 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 | $2,217 | $2,217 |
| Geico | $1,430 | $1,430 |
| Nationwide | $1,326 | $1,362 |
| Progressive | $1,140 | $1,140 |
| State Farm | $1,407 | $1,407 |
| USAA | $1,098 | $1,104 |
Cheap Stafford, 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 Stafford, Virginia compared to the annual auto insurance rates with a clean record in Stafford, Virginia.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,762 | $4,430 | $4,073 | $3,571 |
| Geico | $1,619 | $2,096 | $3,170 | $1,619 |
| Nationwide | $1,885 | $1,885 | $2,766 | $2,140 |
| Progressive | $2,164 | $2,905 | $2,601 | $2,527 |
| State Farm | $2,340 | $2,808 | $2,574 | $2,574 |
| USAA | $1,514 | $1,966 | $2,595 | $1,744 |
Cheap Stafford, Virginia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Stafford, Virginia is not easy. Compare the annual rates for DUI auto insurance in Stafford, Virginia to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,073 |
| Geico | $3,170 |
| Nationwide | $2,766 |
| Progressive | $2,601 |
| State Farm | $2,574 |
| USAA | $2,595 |
Cheap Stafford, Virginia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Stafford, Virginia annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,510 | $3,627 | $2,990 |
| Geico | $2,362 | $2,008 | $2,008 |
| Nationwide | $2,570 | $2,064 | $1,874 |
| Progressive | $2,827 | $2,489 | $2,332 |
| State Farm | $3,663 | $2,269 | $1,791 |
| USAA | $2,615 | $1,781 | $1,469 |
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Cheap Stafford, Virginia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Stafford, Virginia can vary. Compare the annual cost of auto insurance by ZIP code in Stafford, Virginia to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 22556 | $2,171 |
Cheap Stafford, Virginia Auto Insurance Rates By Commute
Commute length and annual mileage affect Stafford, Virginia auto insurance. Find the cheapest annual Stafford, Virginia auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,596 | $3,822 |
| Geico | $2,087 | $2,165 |
| Nationwide | $2,169 | $2,169 |
| Progressive | $2,549 | $2,549 |
| State Farm | $2,510 | $2,638 |
| USAA | $1,882 | $2,027 |
Cheap Stafford, Virginia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Stafford, Virginia? Check out the comparison of annual Stafford, Virginia auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,605 | $3,710 | $3,813 |
| Geico | $2,041 | $2,124 | $2,213 |
| Nationwide | $2,279 | $2,148 | $2,080 |
| Progressive | $2,436 | $2,522 | $2,691 |
| State Farm | $2,415 | $2,571 | $2,736 |
| USAA | $1,878 | $1,959 | $2,028 |
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Best By Category: Cheapest Auto Insurance in Stafford, Virginia
Compare the cheapest auto insurance companies in Stafford, Virginia in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Stafford, Virginia Auto Insurance Companies
What auto insurance companies in Stafford, Virginia are the cheapest? Compare the top Stafford, Virginia auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,709 |
| Geico | $2,126 |
| Nationwide | $2,169 |
| Progressive | $2,549 |
| State Farm | $2,574 |
| USAA | $1,955 |
What affects auto insurance rates in Stafford, Virginia?
There are a lot of reasons why auto insurance rates in Stafford, Virginia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Stafford, Virginia. Many local factors may affect your Stafford auto insurance rates.
Stafford Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stafford, Virginia commute length is 35.0 minutes according to City-Data.
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Compare Stafford, Virginia Auto Insurance Quotes
Before you buy Stafford, Virginia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Stafford, Virginia auto insurance quotes.
Frequently Asked Questions
How does driving record affect auto insurance rates in Stafford, VA?
Driving record has a significant impact on auto insurance rates. Rates can be higher for individuals with accidents, DUIs, or speeding violations on their record.
How much does auto insurance cost for seniors in Stafford, VA?
The average auto insurance rates for senior drivers in Stafford, VA are approximately $1,440 per year.
What should I do if I’m involved in an auto accident in Stafford, Virginia?
If you’re involved in an auto accident in Stafford, Virginia, it’s important to prioritize safety and then take the following steps: check for injuries, call emergency services if necessary, exchange information with the other driver(s) involved, gather evidence (photos, witness statements, etc.), report the accident to your insurance provider, and cooperate with any investigations or claims processes.
Can I use my personal auto insurance for business purposes in Stafford, Virginia?
Using your personal auto insurance for business purposes in Stafford, Virginia may not provide adequate coverage. Most personal auto insurance policies have exclusions for commercial use. If you use your vehicle for business purposes, it’s advisable to consult with your insurance provider and discuss the need for a commercial auto insurance policy.
Is it possible to lower my auto insurance rates in Stafford, Virginia?
Yes, there are several ways to potentially lower your auto insurance rates in Stafford. You can consider raising your deductible, maintaining a clean driving record, bundling your policies, taking advantage of available discounts, and comparing quotes from multiple insurance companies.
What factors determine the cost of auto insurance in Stafford, Virginia?
Several factors influence the cost of auto insurance in Stafford, including your age, gender, marital status, driving record, credit history, the coverage level you choose, the type of vehicle you drive, your annual mileage, and the ZIP code where you reside.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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.