Cheapest Car Insurance Quotes in Lynchburg

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Lynchburg Car Insurance

^$ 26

/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 Lynchburg

The car insurance rate in Lynchburg is $868 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Lynchburg 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 Lynchburg

$868

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Lynchburg

1st place: Direct General Insurance

At $386 for a six month policy, Direct General Insurance offers the cheapest auto insurance rates in the city.

2nd place: Mississippi Farm Bureau

Mississippi Farm Bureau offers auto insurance rates at $428 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $719 for six months, making it the third cheapest auto insurance company in Lynchburg.

Lynchburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lynchburg, MS is Direct General Insurance, offering policies at just $386 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $428.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1325 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lynchburg drivers find the best deals.

Cheap Car Insurance Companies in Lynchburg, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$386	$66
Mississippi Farm Bureau	$428	$71
USAA	$719	$121
Travelers	$737	$124
State Farm	$760	$128
Farm Bureau	$790	$132
National Farmers Union Insurance	$796	$135
Nationwide	$950	$160
Progressive	$1004	$169
Shelter	$1034	$174
Allstate	$1152	$196
Farmers	$1206	$201
Safeway	$1325	$225

Key Takeaways

Way's key takeaways about car insurance in Lynchburg

The auto insurance costs in Lynchburg fall around $386 for six months.
The cheapest auto insurance company in Lynchburg is Direct General Insurance.
Teen drivers pay the highest rate in Lynchburg at $869 per month.

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Cheapest Minimum Liability Car Insurance in Lynchburg

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 Lynchburg are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Lynchburg. Their Average 6 Month Premium is $154. Farmers is the most expensive at $529 for the same period.

Cheapest Liability Coverage in Lynchburg, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$154	$26
Mississippi Farm Bureau	$160	$27
National Farmers Union Insurance	$160	$27
State Farm	$184	$31
USAA	$196	$33
Farm Bureau	$249	$42
Progressive	$255	$43
Safeway	$303	$52
Travelers	$309	$52
Shelter	$356	$60
Nationwide	$368	$62
Allstate	$440	$74
Farmers	$529	$88

Cheapest Full Coverage Car Insurance in Lynchburg

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 Lynchburg is Direct General Insurance at $66 per month and $386 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lynchburg, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$386	$66
Mississippi Farm Bureau	$428	$71
USAA	$719	$121
Travelers	$737	$124
State Farm	$760	$128
Farm Bureau	$790	$132
National Farmers Union Insurance	$796	$135
Nationwide	$950	$160
Progressive	$1004	$169
Shelter	$1034	$174
Allstate	$1152	$196
Farmers	$1206	$201
Safeway	$1325	$225

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Average Car Insurance in Lynchburg 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 Lynchburg, MS increasing?

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

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

Car Insurance Premiums by Age in Lynchburg

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

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Cheapest Car Insurance Rates for Teen Drivers in Lynchburg,MS

If you are planning to get a car insurance policy for your teenage dependent, Direct General Insurance provides the cheapest car insurance in the Lynchburg at $33 per month. At $5215 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$196	$33
National General	$202	$34
Mississippi Farm Bureau	$220	$37
State Farm	$677	$114
USAA	$760	$128
Travelers	$927	$156
Farm Bureau	$1360	$231
Progressive	$1628	$274
Shelter	$2620	$445
Farmers	$3647	$608
Allstate	$4093	$696
Nationwide	$5215	$869

Teen Car Insurance Rates in MS by Age

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 Lynchburg, Direct General Insurance is the cheapest car insurance provider. At $196 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 Lynchburg is Farmers, offering rates of around $3558 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$196	$33
Mississippi Farm Bureau	$279	$47
Travelers	$909	$153
Progressive	$915	$154
USAA	$1105	$188
Nationwide	$1146	$193
Farm Bureau	$1354	$230
Allstate	$1847	$308
Shelter	$2358	$401
State Farm	$2869	$478
Farmers	$3558	$605

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Car Insurance Rates with An Accident in Lynchburg

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 Lynchburg, MS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lynchburg

The cheapest car insurance companies after an at-fault accident in Lynchburg include Mississippi Farm Bureau and Direct General Insurance, offering $220 and $315, respectively. Farmers is an expensive provider with an average six-month premium of $2881.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$220	$37
Direct General Insurance	$315	$54
National General	$321	$53
State Farm	$339	$57
Safeway	$362	$60
USAA	$398	$67
Shelter	$582	$98
Travelers	$606	$102
Progressive	$665	$112
Farm Bureau	$1016	$173
Nationwide	$1295	$218
Allstate	$1699	$289
Farmers	$2881	$480

Lynchburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lynchburg MS. For example, the car insurance in Lynchburg after a DUI increases to $731 for a six month policy. While the rate increases by $244 for a six-month policy in the case of a speeding ticket.

Lynchburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1057	$176
One Med/PIP claim	$1057	$180
Not-at-fault accident	$1105	$184
One comp claim	$1129	$192
Two Med/PIP claims	$1135	$189
Driving without lights	$1218	$207
Two comp claims	$1224	$204
Failure to show documents	$1259	$214
Failure to wear a seat belt	$1259	$210
Child safety restraint	$1265	$215
Driving with expired registration	$1265	$211
Driving too slowly	$1277	$217
Failure to stop at a red light	$1277	$213
Speeding in school zone	$1277	$217
Cell phone violation	$1289	$215
Improper passing	$1295	$220
Texting while driving	$1295	$216
Wrong way/wrong lane	$1295	$220
Speeding 6 - 10 MPH over limit	$1301	$217
Failure to yield	$1307	$222
Speeding 11 - 15 MPH over limit	$1307	$218
Following too closely	$1313	$223
Illegal turn	$1313	$219
Speeding 16 - 20 MPH over limit	$1313	$223
Speeding 21 - 25 MPH over limit	$1325	$221
Passing school bus	$1337	$227
In 65 MPH zone	$1372	$229
At-fault accident - less than $1000	$1437	$244
Operating a vehicle without permission	$1449	$242
Open container	$1491	$254
At-fault accident - $1000-$2000	$1550	$258
At-fault accident - greater than $2000	$1550	$264
Driving with a suspended license	$1616	$269
Reckless driving	$1616	$275
Refusal to submit to a chemical test	$1770	$295
DUI	$1788	$304
Racing	$1806	$301
Leaving scene of an accident/hit and run	$1818	$309

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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 Lynchburg 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 Lynchburg.

The cheapest car insurance premiums in Lynchburg are offered by Mississippi Farm Bureau at $309 for a six-month policy. However, it can be as expensive as $2881 with companies like Farmers.

Lynchburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$309	$53
Direct General Insurance	$315	$52
National General	$321	$55
State Farm	$737	$124
Travelers	$772	$130
Progressive	$790	$133
USAA	$1022	$172
Farm Bureau	$1283	$214
Shelter	$1521	$256
Allstate	$1616	$272
Nationwide	$1645	$277
Farmers	$2881	$480

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 Lynchburg are offered by Mississippi Farm Bureau at $178. However, it can be as expensive as $1729 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Lynchburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$178	$30
Direct General Insurance	$249	$42
State Farm	$392	$66
Progressive	$689	$116
USAA	$748	$125
Farm Bureau	$849	$144
Travelers	$1051	$175
Shelter	$1247	$212
Allstate	$1271	$212
Farmers	$1509	$257
Nationwide	$1729	$288

Car Insurance Price Trends in Lynchburg, Mississippi

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

The average cost of full coverage in the Lynchburg remained steady at $204 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Lynchburg remained steady at $46 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lynchburg?

The car insurance in Lynchburg is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Lynchburg?

The cheapest car insurance in Lynchburg is $66 per month for full coverage.

How much is car insurance in Lynchburg for teenagers?

Car insurance for teenagers costs $196 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 Lynchburg?

The average cost of car insurance is $868 for a six-month policy. It will cost around $146 per month to insure your car in Lynchburg.

Is car insurance expensive in Lynchburg?

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

What is the best car insurance in Lynchburg, MS?

The best car insurance company in Lynchburg MS is Direct General Insurance, offering $386 for a six-month policy.