Cheapest Car Insurance Quotes in Virginia Gardens

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Virginia Gardens Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Virginia Gardens

The car insurance rate in Virginia Gardens is $2145 for a six-month policy, which is $544 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1369, making it a popular choice for budget-conscious drivers. Rates in Virginia Gardens can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Virginia Gardens

$2145

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Virginia Gardens

1st place: Travelers

At $1369 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1457 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1695 for six months, making it the third cheapest auto insurance company in Virginia Gardens.

Virginia Gardens Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Virginia Gardens, FL is Travelers, offering policies at just $1369 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1457.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1281 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Virginia Gardens drivers find the best deals.

Cheap Car Insurance Companies in Virginia Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1369	$230
State Farm	$1457	$245
Nationwide	$1695	$285
United Automobile Ins Group	$1830	$306
Progressive	$1911	$322
UAIC	$1911	$319
MetLife	$2014	$343
Farmers	$3200	$533
Mercury	$3455	$587
Allstate	$3479	$586
Metropolitan Group	$1281	$213

Key Takeaways

Way's key takeaways about car insurance in Virginia Gardens

The auto insurance costs in Virginia Gardens fall around $1369 for six months.
The cheapest auto insurance company in Virginia Gardens is Patrons Insurance.
Teen drivers pay the highest rate in Virginia Gardens at $1851 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Virginia Gardens

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Virginia Gardens are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Virginia Gardens. Their Average 6 Month Premium is $168. Metropolitan Group is the most expensive at $509 for the same period.

Cheapest Liability Coverage in Virginia Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$168	$28
Travelers	$509	$86
State Farm	$541	$91
Mercury	$574	$96
Nationwide	$637	$109
Farmers	$883	$147
AIG	$899	$153
Progressive	$939	$158
United Automobile Ins Group	$963	$163
UAIC	$1043	$174
Allstate	$1202	$202
Metropolitan Group	$509	$84

Cheapest Full Coverage Car Insurance in Virginia Gardens

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Virginia Gardens is Travelers at $230 per month and $1369 for six months.

Cheapest Full Coverage Car Insurance Quotes in Virginia Gardens, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1369	$230
State Farm	$1457	$245
Nationwide	$1695	$285
United Automobile Ins Group	$1830	$306
Progressive	$1911	$322
UAIC	$1911	$319
MetLife	$2014	$343
Farmers	$3200	$533
Mercury	$3455	$587
Allstate	$3479	$586
Metropolitan Group	$1281	$213

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Average Car Insurance in Virginia Gardens by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Virginia Gardens, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Virginia Gardens, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Virginia Gardens's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Virginia Gardens

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1738
40s	Travelers	$1312
50s	Travelers	$1223
60s	Travelers	$1206

Cheapest Car Insurance Rates for Teen Drivers in Virginia Gardens,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Virginia Gardens at $121 per month. At $10881 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$725	$121
AIG	$980	$166
Travelers	$2220	$374
State Farm	$2921	$492
UAIC	$4346	$725
United Automobile Ins Group	$4513	$768
Allstate	$6845	$1152
Mercury	$8485	$1428
Progressive	$9066	$1526
Farmers	$10881	$1851

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Virginia Gardens.

As young drivers face the highest rates in Virginia Gardens, Travelers offers the cheapest auto insurance rates at $1738 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Virginia Gardens, Nationwide is the cheapest car insurance provider. At $867 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Virginia Gardens is Allstate, offering rates of around $6957 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$867	$147
Mercury	$947	$158
Direct General Insurance	$988	$168
Travelers	$1879	$316
UAIC	$1911	$324
Progressive	$3693	$615
Farmers	$4426	$753
State Farm	$6630	$1106
Allstate	$6957	$1183

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Car Insurance Rates with An Accident in Virginia Gardens

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Virginia Gardens, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Virginia Gardens

The cheapest car insurance companies after an at-fault accident in Virginia Gardens include Nationwide and AIG, offering $915 and $1170, respectively. National General is an expensive provider with an average six-month premium of $1416.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$915	$153
AIG	$1170	$198
Travelers	$1321	$222
State Farm	$1361	$229
United Automobile Ins Group	$2380	$397
Mercury	$2459	$414
UAIC	$2491	$415
Progressive	$3263	$549
Farmers	$4465	$744
Allstate	$6041	$1017
National General	$1416	$241

Virginia Gardens Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Virginia Gardens FL. For example, the car insurance in Virginia Gardens after a DUI increases to $1257 for a six month policy. While the rate increases by $382 for a six-month policy in the case of a speeding ticket.

Virginia Gardens auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2444	$407
One Med/PIP claim	$2444	$415
Not-at-fault accident	$2642	$441
Two Med/PIP claims	$2715	$461
One comp claim	$2754	$460
Child safety restraint	$2762	$469
Failure to wear a seat belt	$2762	$461
Driving without lights	$2770	$470
Failure to show documents	$2770	$462
Speeding 6 - 10 MPH over limit	$2826	$481
Improper passing	$2834	$472
Passing school bus	$2834	$482
Wrong way/wrong lane	$2834	$472
Failure to stop at a red light	$2842	$484
Failure to yield	$2842	$473
Illegal turn	$2842	$484
Cell phone violation	$2850	$474
Driving with expired registration	$2850	$485
Following too closely	$2850	$474
Texting while driving	$2857	$486
Two comp claims	$2921	$486
Driving too slowly	$2937	$500
Speeding in school zone	$2937	$489
Speeding 11 - 15 MPH over limit	$2945	$501
In 65 MPH zone	$3049	$508
Speeding 16 - 20 MPH over limit	$3049	$519
Speeding 21 - 25 MPH over limit	$3065	$511
Open container	$3097	$527
Operating a vehicle without permission	$3097	$516
At-fault accident - less than $1000	$3359	$571
At-fault accident - $1000-$2000	$3414	$570
At-fault accident - greater than $2000	$3414	$580
Racing	$3693	$615
DUI	$3701	$630
Refusal to submit to a chemical test	$3701	$616
Driving with a suspended license	$3765	$641
Reckless driving	$3844	$641
Leaving scene of an accident/hit and run	$3885	$661

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Virginia Gardens after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Virginia Gardens.

The cheapest car insurance premiums in Virginia Gardens are offered by AIG at $860 for a six-month policy. However, it can be as expensive as $1067 with companies like National General.

Virginia Gardens car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$860	$143
Travelers	$1369	$230
State Farm	$1663	$280
Progressive	$1679	$283
Allstate	$3057	$515
UAIC	$3367	$572
Farmers	$3638	$606
National General	$1067	$178

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Virginia Gardens are offered by Nationwide at $748. However, it can be as expensive as $3885 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Virginia Gardens after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$748	$127
State Farm	$963	$162
Travelers	$1154	$194
UAIC	$1911	$319
Allstate	$2190	$369
Progressive	$3160	$527
Farmers	$3885	$661

Car Insurance Price Trends in Virginia Gardens, Florida

Car insurance rates in Virginia Gardens have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Virginia Gardens remained steady at $370 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Virginia Gardens remained steady at $113 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Virginia Gardens?

The car insurance in Virginia Gardens is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Virginia Gardens?

The cheapest car insurance in Virginia Gardens is $230 per month for full coverage.

How much is car insurance in Virginia Gardens for teenagers?

Car insurance for teenagers costs $725 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Virginia Gardens?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $360 per month to insure your car in Virginia Gardens.

Is car insurance expensive in Virginia Gardens?

Car insurance can be expensive in Virginia Gardens if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Virginia Gardens can be affordable.

Cheapest Car Insurance Quotes in Virginia Gardens

Why you can trust Way?

How Much Is Car Insurance in Virginia Gardens

Avg. Car Insurance in Virginia Gardens

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Virginia Gardens

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Virginia Gardens Car Insurance Rates by Company

Cheap Car Insurance Companies in Virginia Gardens, FL

Way's key takeaways about car insurance in Virginia Gardens

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Virginia Gardens

Cheapest Liability Coverage in Virginia Gardens, FL

Cheapest Full Coverage Car Insurance in Virginia Gardens

Cheapest Full Coverage Car Insurance Quotes in Virginia Gardens, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Virginia Gardens by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Virginia Gardens, FL increasing?

Car Insurance Premiums by Age in Virginia Gardens

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Virginia Gardens,FL

If you are in your twenties Travelers is the best choice for car insurance in Virginia Gardens.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Virginia Gardens

Cheapest Car Insurance Companies after an At-Fault Accident in Virginia Gardens

Virginia Gardens Car Insurance Rates by Violation

Virginia Gardens auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Virginia Gardens after a DUI

Virginia Gardens car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Virginia Gardens after Speeding ticket

Car Insurance Price Trends in Virginia Gardens, Florida

Average Car Insurance Cost in Virginia Gardens by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Virginia Gardens, FL

Car Insurance Rates by State in the USA (2025 Update)

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