Cheapest Car Insurance Quotes in Annandale

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Annandale Car Insurance

^$ 32

/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 Annandale

The car insurance rate in Annandale is $778 for a six-month policy, which is $140 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Annandale 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 Annandale

$778

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Annandale

1st place: Virginia Farm Bureau

At $449 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 $550 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 $558 for six months, making it the third cheapest auto insurance company in Annandale.

Annandale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Annandale, VA is Virginia Farm Bureau, offering policies at just $449 for a six-month term. This is followed by American Family, which has an average six-month premium of $550.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1405 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Annandale drivers find the best deals.

Cheap Car Insurance Companies in Annandale, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$449	$77
American Family	$550	$92
Auto-Owners Insurance Co	$558	$95
Cincinnati	$565	$94
Nationwide	$638	$107
Erie	$681	$115
Travelers	$732	$123
State Farm	$776	$129
USAA	$841	$142
Farm Bureau	$906	$151
Mercury	$949	$160
Progressive	$1072	$179
Allstate	$1405	$239

Key Takeaways

Way's key takeaways about car insurance in Annandale

The auto insurance costs in Annandale fall around $449 for six months.
The cheapest auto insurance company in Annandale is Virginia Farm Bureau.
Teen drivers pay the highest rate in Annandale at $863 per month.

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Cheapest Minimum Liability Car Insurance in Annandale

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 Annandale are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Annandale. Their Average 6 Month Premium is $188. Nationwide is the most expensive at $609 for the same period.

Cheapest Liability Coverage in Annandale, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$188	$32
American Family	$210	$35
Cincinnati	$254	$43
Travelers	$276	$46
Auto-Owners Insurance Co	$283	$48
Mercury	$290	$49
Farm Bureau	$304	$51
USAA	$304	$51
Erie	$340	$57
State Farm	$370	$62
Progressive	$471	$78
Allstate	$609	$104
Nationwide	$609	$101

Cheapest Full Coverage Car Insurance in Annandale

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 Annandale is Virginia Farm Bureau at $77 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Annandale, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$449	$77
American Family	$550	$92
Auto-Owners Insurance Co	$558	$95
Cincinnati	$565	$94
Nationwide	$638	$107
Erie	$681	$115
Travelers	$732	$123
State Farm	$776	$129
USAA	$841	$142
Farm Bureau	$906	$151
Mercury	$949	$160
Progressive	$1072	$179
Allstate	$1405	$239

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Average Car Insurance in Annandale 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 Annandale, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Annandale, 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, Annandale's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Annandale

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	$793
30s	Virginia Farm Bureau	$598
40s	USAA	$558
50s	USAA	$523
60s	USAA	$550
70s	USAA	$874

Cheapest Car Insurance Rates for Teen Drivers in Annandale,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 Annandale at $32 per month. At $5174 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	$188	$32
Farm Bureau	$239	$40
Mercury	$254	$43
American Family	$276	$46
Travelers	$283	$48
Auto-Owners Insurance Co	$326	$55
Erie	$1094	$184
USAA	$1413	$238
State Farm	$2514	$423
Nationwide	$3182	$531
Allstate	$3695	$628
Progressive	$5174	$863

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 Annandale.

As young drivers face the highest rates in Annandale, USAA offers the cheapest auto insurance rates at $793 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 Annandale, Mercury is the cheapest car insurance provider. At $268 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 Annandale is Nationwide, offering rates of around $515 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$268	$45
Virginia Farm Bureau	$283	$48
Travelers	$434	$72
Cincinnati	$464	$79
Nationwide	$515	$85

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Car Insurance Rates with An Accident in Annandale

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 Annandale, VA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Annandale include AutoOwners Insurance Co and Virginia Farm Bureau, offering $261 and $261, respectively. Encompass is an expensive provider with an average six-month premium of $587.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$261	$44
Virginia Farm Bureau	$261	$44
American Family	$276	$46
Cincinnati	$333	$56
Farm Bureau	$340	$57
Travelers	$348	$59
Mercury	$384	$63
Electric	$464	$79
USAA	$653	$110
Erie	$725	$122
State Farm	$819	$138
Nationwide	$1385	$235
Progressive	$1841	$306
Allstate	$2377	$404
Encompass	$587	$100

Annandale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Annandale VA. For example, the car insurance in Annandale after a DUI increases to $1144 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Annandale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1146	$190
One Med/PIP claim	$1146	$195
Not-at-fault accident	$1188	$198
Two Med/PIP claims	$1225	$209
One comp claim	$1240	$206
Two comp claims	$1297	$221
Failure to show documents	$1304	$217
Driving without lights	$1326	$226
Child safety restraint	$1333	$222
Driving with expired registration	$1348	$229
Failure to wear a seat belt	$1363	$227
Cell phone violation	$1377	$234
Driving too slowly	$1377	$229
Failure to yield	$1377	$234
Speeding in school zone	$1377	$229
Texting while driving	$1377	$234
Wrong way/wrong lane	$1377	$229
Failure to stop at a red light	$1385	$235
Following too closely	$1385	$231
Illegal turn	$1385	$235
Improper passing	$1385	$231
Speeding 6 - 10 MPH over limit	$1385	$235
Speeding 16 - 20 MPH over limit	$1398	$233
Speeding 11 - 15 MPH over limit	$1405	$239
Passing school bus	$1449	$242
In 65 MPH zone	$1501	$255
Open container	$1521	$254
Speeding 21 - 25 MPH over limit	$1521	$259
At-fault accident - less than $1000	$1565	$261
Operating a vehicle without permission	$1681	$285
At-fault accident - $1000-$2000	$1703	$284
At-fault accident - greater than $2000	$1703	$289
Reckless driving	$2073	$345
Racing	$2225	$378
DUI	$2290	$382
Refusal to submit to a chemical test	$2290	$389
Driving with a suspended license	$2406	$401
Leaving scene of an accident/hit and run	$2406	$409

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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 Annandale 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 Annandale.

The cheapest car insurance premiums in Annandale are offered by Virginia Farm Bureau at $232 for a six-month policy. However, it can be as expensive as $1993 with companies like Allstate.

Annandale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$232	$39
Mercury	$261	$44
Farm Bureau	$298	$50
Travelers	$384	$65
American Family	$414	$68
Auto-Owners Insurance Co	$449	$77
State Farm	$877	$148
USAA	$986	$166
Progressive	$1508	$251
Erie	$1543	$262
Nationwide	$1696	$283
Allstate	$1993	$339

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 Annandale are offered by Mercury at $268. However, it can be as expensive as $362 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Annandale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$268	$45
Virginia Farm Bureau	$276	$46
American Family	$283	$48
Auto-Owners Insurance Co	$290	$49
Cincinnati	$290	$49
Travelers	$311	$52
Erie	$340	$57
State Farm	$362	$61

Car Insurance Price Trends in Annandale, Virginia

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

The average cost of full coverage in the Annandale rose by $110 in December compared to $106 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Annandale rose to $56 in December, compared to $54 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 Annandale?

The car insurance in Annandale is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Annandale?

The cheapest car insurance in Annandale is $77 per month for full coverage.

How much is car insurance in Annandale for teenagers?

Car insurance for teenagers costs $188 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 Annandale?

The average cost of car insurance is $638 for a six-month policy. It will cost around $131 per month to insure your car in Annandale.

Is car insurance expensive in Annandale?

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

Cheapest Car Insurance Quotes in Annandale

Why you can trust Way?

How Much Is Car Insurance in Annandale

Avg. Car Insurance in Annandale

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Annandale

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Annandale Car Insurance Rates by Company

Cheap Car Insurance Companies in Annandale, VA

Way's key takeaways about car insurance in Annandale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Annandale

Cheapest Liability Coverage in Annandale, VA

Cheapest Full Coverage Car Insurance in Annandale

Cheapest Full Coverage Car Insurance Quotes in Annandale, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Annandale by Rating Factor

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

Car Insurance Premiums by Age in Annandale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Annandale,VA

If you are in your twenties USAA is the best choice for car insurance in Annandale.

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 Annandale

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

Annandale Car Insurance Rates by Violation

Annandale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Annandale after a DUI

Annandale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Annandale after Speeding ticket

Car Insurance Price Trends in Annandale, Virginia

Average Car Insurance Cost in Annandale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Annandale, VA

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

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