Cheapest Car Insurance Quotes in Amelia Court House

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Amelia Court House 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 Amelia Court House

The car insurance rate in Amelia Court House is $695 for a six-month policy, which is $57 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Amelia Court House 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 Amelia Court House

$695

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Amelia Court House

1st place: Virginia Farm Bureau

At $401 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $492 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $498 for six months, making it the third cheapest auto insurance company in Amelia Court House.

Amelia Court House Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Amelia Court House, VA is Virginia Farm Bureau, offering policies at just $401 for a six-month term. This is followed by American Family, which has an average six-month premium of $492.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1256 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Amelia Court House drivers find the best deals.

Cheap Car Insurance Companies in Amelia Court House, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$401	$69
American Family	$492	$82
Auto-Owners Insurance Co	$498	$85
Cincinnati	$505	$84
Nationwide	$570	$96
Erie	$608	$102
Travelers	$654	$110
State Farm	$693	$116
USAA	$751	$126
Farm Bureau	$810	$135
Mercury	$848	$143
Progressive	$958	$160
Allstate	$1256	$214

Key Takeaways

Way's key takeaways about car insurance in Amelia Court House

The auto insurance costs in Amelia Court House fall around $401 for six months.
The cheapest auto insurance company in Amelia Court House is Virginia Farm Bureau.
Teen drivers pay the highest rate in Amelia Court House at $771 per month.

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Cheapest Minimum Liability Car Insurance in Amelia Court House

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 Amelia Court House are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Amelia Court House. Their Average 6 Month Premium is $168. Nationwide is the most expensive at $544 for the same period.

Cheapest Liability Coverage in Amelia Court House, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$168	$28
American Family	$187	$32
Cincinnati	$227	$38
Travelers	$246	$41
Auto-Owners Insurance Co	$253	$43
Mercury	$259	$44
Farm Bureau	$271	$46
USAA	$271	$46
Erie	$304	$51
State Farm	$330	$56
Progressive	$421	$70
Allstate	$544	$93
Nationwide	$544	$90

Cheapest Full Coverage Car Insurance in Amelia Court House

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 Amelia Court House is Virginia Farm Bureau at $69 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Amelia Court House, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$401	$69
American Family	$492	$82
Auto-Owners Insurance Co	$498	$85
Cincinnati	$505	$84
Nationwide	$570	$96
Erie	$608	$102
Travelers	$654	$110
State Farm	$693	$116
USAA	$751	$126
Farm Bureau	$810	$135
Mercury	$848	$143
Progressive	$958	$160
Allstate	$1256	$214

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Average Car Insurance in Amelia Court House 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 Amelia Court House, VA increasing?

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

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

Car Insurance Premiums by Age in Amelia Court House

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	USAA	$709
30s	Virginia Farm Bureau	$534
40s	USAA	$498
50s	USAA	$468
60s	USAA	$492
70s	USAA	$780

Cheapest Car Insurance Rates for Teen Drivers in Amelia Court House,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Amelia Court House at $28 per month. At $4623 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$168	$28
Farm Bureau	$214	$36
Mercury	$227	$38
American Family	$246	$41
Travelers	$253	$43
Auto-Owners Insurance Co	$291	$49
Erie	$978	$165
USAA	$1262	$213
State Farm	$2246	$378
Nationwide	$2843	$474
Allstate	$3302	$561
Progressive	$4623	$771

Teen Car Insurance Rates in VA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Amelia Court House.

As young drivers face the highest rates in Amelia Court House, USAA offers the cheapest auto insurance rates at $709 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 Amelia Court House, Mercury is the cheapest car insurance provider. At $240 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 Amelia Court House is Nationwide, offering rates of around $460 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$240	$40
Virginia Farm Bureau	$253	$43
Travelers	$388	$64
Cincinnati	$414	$71
Nationwide	$460	$76

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Save up to $971/yr on car insurance rates in Amelia Court House.

Car Insurance Rates with An Accident in Amelia Court House

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 Amelia Court House, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Amelia Court House

The cheapest car insurance companies after an at-fault accident in Amelia Court House include AutoOwners Insurance Co and Virginia Farm Bureau, offering $233 and $233, respectively. Encompass is an expensive provider with an average six-month premium of $524.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$233	$39
Virginia Farm Bureau	$233	$39
American Family	$246	$41
Cincinnati	$298	$50
Farm Bureau	$304	$51
Travelers	$311	$52
Mercury	$343	$57
Electric	$414	$71
USAA	$583	$98
Erie	$647	$109
State Farm	$731	$123
Nationwide	$1237	$210
Progressive	$1645	$274
Allstate	$2123	$361
Encompass	$524	$89

Amelia Court House Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Amelia Court House VA. For example, the car insurance in Amelia Court House after a DUI increases to $1022 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

Amelia Court House auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1024	$170
One Med/PIP claim	$1024	$174
Not-at-fault accident	$1062	$177
Two Med/PIP claims	$1094	$186
One comp claim	$1107	$184
Two comp claims	$1159	$197
Failure to show documents	$1165	$194
Driving without lights	$1185	$202
Child safety restraint	$1191	$198
Driving with expired registration	$1204	$205
Failure to wear a seat belt	$1218	$203
Cell phone violation	$1231	$209
Driving too slowly	$1231	$205
Failure to yield	$1231	$209
Speeding in school zone	$1231	$205
Texting while driving	$1231	$209
Wrong way/wrong lane	$1231	$205
Failure to stop at a red light	$1237	$210
Following too closely	$1237	$206
Illegal turn	$1237	$210
Improper passing	$1237	$206
Speeding 6 - 10 MPH over limit	$1237	$210
Speeding 16 - 20 MPH over limit	$1249	$208
Speeding 11 - 15 MPH over limit	$1256	$214
Passing school bus	$1295	$216
In 65 MPH zone	$1341	$228
Open container	$1359	$227
Speeding 21 - 25 MPH over limit	$1359	$231
At-fault accident - less than $1000	$1398	$233
Operating a vehicle without permission	$1502	$255
At-fault accident - $1000-$2000	$1522	$254
At-fault accident - greater than $2000	$1522	$258
Reckless driving	$1852	$308
Racing	$1988	$338
DUI	$2046	$341
Refusal to submit to a chemical test	$2046	$348
Driving with a suspended license	$2149	$359
Leaving scene of an accident/hit and run	$2149	$365

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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 Amelia Court House 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 Amelia Court House.

The cheapest car insurance premiums in Amelia Court House are offered by Virginia Farm Bureau at $207 for a six-month policy. However, it can be as expensive as $1781 with companies like Allstate.

Amelia Court House car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$207	$35
Mercury	$233	$39
Farm Bureau	$266	$45
Travelers	$343	$58
American Family	$370	$61
Auto-Owners Insurance Co	$401	$69
State Farm	$784	$132
USAA	$881	$148
Progressive	$1347	$225
Erie	$1379	$234
Nationwide	$1515	$253
Allstate	$1781	$303

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 Amelia Court House are offered by Mercury at $240. However, it can be as expensive as $324 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Amelia Court House after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$240	$40
Virginia Farm Bureau	$246	$41
American Family	$253	$43
Auto-Owners Insurance Co	$259	$44
Cincinnati	$259	$44
Travelers	$278	$47
Erie	$304	$51
State Farm	$324	$55

Car Insurance Price Trends in Amelia Court House, Virginia

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

The average cost of full coverage in the Amelia Court House rose by $98 in December compared to $95 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Amelia Court House rose to $50 in December, compared to $48 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Amelia Court House?

The car insurance in Amelia Court House is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Amelia Court House?

The cheapest car insurance in Amelia Court House is $69 per month for full coverage.

How much is car insurance in Amelia Court House for teenagers?

Car insurance for teenagers costs $168 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 Amelia Court House?

The average cost of car insurance is $638 for a six-month policy. It will cost around $117 per month to insure your car in Amelia Court House.

Is car insurance expensive in Amelia Court House?

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

Cheapest Car Insurance Quotes in Amelia Court House

Why you can trust Way?

How Much Is Car Insurance in Amelia Court House

Avg. Car Insurance in Amelia Court House

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Amelia Court House

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Amelia Court House Car Insurance Rates by Company

Cheap Car Insurance Companies in Amelia Court House, VA

Way's key takeaways about car insurance in Amelia Court House

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Amelia Court House

Cheapest Liability Coverage in Amelia Court House, VA

Cheapest Full Coverage Car Insurance in Amelia Court House

Cheapest Full Coverage Car Insurance Quotes in Amelia Court House, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Amelia Court House by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Amelia Court House, VA increasing?

Car Insurance Premiums by Age in Amelia Court House

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Amelia Court House,VA

If you are in your twenties USAA is the best choice for car insurance in Amelia Court House.

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 Amelia Court House

Cheapest Car Insurance Companies after an At-Fault Accident in Amelia Court House

Amelia Court House Car Insurance Rates by Violation

Amelia Court House auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Amelia Court House after a DUI

Amelia Court House car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Amelia Court House after Speeding ticket

Car Insurance Price Trends in Amelia Court House, Virginia

Average Car Insurance Cost in Amelia Court House by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Amelia Court House, VA

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

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