Cheapest Car Insurance Quotes in Appalachia

Finding the cheapest car insurance quotes in Appalachia shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Appalachia Car Insurance

^$ 24

/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 Appalachia

The car insurance rate in Appalachia is $659 for a six-month policy, which is $57 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Appalachia 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 Appalachia

$659

Avg. Car Insurance in Virginia

$716

National Average

$1278

Cheapest Car Insurance Companies in Appalachia

1st place: Virginia Farm Bureau

At $339 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 $415 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 $420 for six months, making it the third cheapest auto insurance company in Appalachia.

Appalachia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Appalachia, VA is Virginia Farm Bureau, offering policies at just $339 for a six-month term. This is followed by American Family, which has an average six-month premium of $415.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1415 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Appalachia drivers find the best deals.

Cheap Car Insurance Companies in Appalachia, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$339	$58
American Family	$415	$69
Auto-Owners Insurance Co	$420	$72
Cincinnati	$426	$71
Travelers	$569	$96
Erie	$574	$97
USAA	$617	$104
Farm Bureau	$645	$109
Nationwide	$645	$109
Mercury	$716	$121
State Farm	$776	$131
Progressive	$1017	$171
Allstate	$1415	$238

Key Takeaways

Way's key takeaways about car insurance in Appalachia

The auto insurance costs in Appalachia fall around $339 for six months.
The cheapest auto insurance company in Appalachia is Virginia Farm Bureau.
Teen drivers pay the highest rate in Appalachia at $811 per month.

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Cheapest Minimum Liability Car Insurance in Appalachia

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 Appalachia are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Appalachia. Their Average 6 Month Premium is $142. Nationwide is the most expensive at $634 for the same period.

Cheapest Liability Coverage in Appalachia, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$142	$24
American Family	$158	$27
Cincinnati	$191	$32
Auto-Owners Insurance Co	$213	$36
Mercury	$219	$37
Travelers	$224	$38
USAA	$235	$40
Farm Bureau	$240	$40
Erie	$268	$45
State Farm	$339	$57
Progressive	$498	$84
Allstate	$595	$100
Nationwide	$634	$107

Cheapest Full Coverage Car Insurance in Appalachia

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 Appalachia is Virginia Farm Bureau at $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Appalachia, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$339	$58
American Family	$415	$69
Auto-Owners Insurance Co	$420	$72
Cincinnati	$426	$71
Travelers	$569	$96
Erie	$574	$97
USAA	$617	$104
Farm Bureau	$645	$109
Nationwide	$645	$109
Mercury	$716	$121
State Farm	$776	$131
Progressive	$1017	$171
Allstate	$1415	$238

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Average Car Insurance in Appalachia 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 Appalachia, VA increasing?

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

Car Insurance Premiums by Age in Appalachia

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	$604
30s	Virginia Farm Bureau	$454
40s	USAA	$424
50s	USAA	$398
60s	USAA	$420
70s	USAA	$664

Cheapest Car Insurance Rates for Teen Drivers in Appalachia,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 Appalachia at $24 per month. At $4814 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	$142	$24
Mercury	$191	$32
American Family	$208	$35
Auto-Owners Insurance Co	$246	$41
Travelers	$716	$121
Farm Bureau	$749	$126
Erie	$1028	$173
USAA	$1208	$203
State Farm	$2262	$381
Nationwide	$3476	$585
Allstate	$3492	$588
Progressive	$4814	$811

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 Appalachia.

As young drivers face the highest rates in Appalachia, USAA offers the cheapest auto insurance rates at $604 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 Appalachia, Mercury is the cheapest car insurance provider. At $202 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 Appalachia is State Farm, offering rates of around $3766 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$202	$34
Virginia Farm Bureau	$213	$36
Cincinnati	$350	$58
Travelers	$721	$121
Nationwide	$995	$167
USAA	$1033	$176
Farm Bureau	$1180	$197
Erie	$1623	$276
Progressive	$1967	$328
Allstate	$2147	$365
State Farm	$3766	$627

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Car Insurance Rates with An Accident in Appalachia

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

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

The cheapest car insurance companies after an at-fault accident in Appalachia include AutoOwners Insurance Co and Virginia Farm Bureau, offering $197 and $197, respectively. Encompass is an expensive provider with an average six-month premium of $443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$197	$33
Virginia Farm Bureau	$197	$33
American Family	$208	$35
Cincinnati	$251	$42
Mercury	$290	$48
Electric	$350	$60
Travelers	$415	$70
Farm Bureau	$513	$86
USAA	$580	$98
Erie	$678	$114
State Farm	$705	$119
Nationwide	$1448	$244
Progressive	$1639	$276
Allstate	$3028	$510
Encompass	$443	$75

Appalachia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Appalachia VA. For example, the car insurance in Appalachia after a DUI increases to $863 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Appalachia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$864	$144
One Med/PIP claim	$864	$147
Not-at-fault accident	$896	$149
Two Med/PIP claims	$924	$157
One comp claim	$935	$155
Two comp claims	$978	$167
Failure to show documents	$983	$164
Driving without lights	$1000	$170
Child safety restraint	$1006	$167
Driving with expired registration	$1017	$173
Failure to wear a seat belt	$1028	$171
Cell phone violation	$1039	$177
Driving too slowly	$1039	$173
Failure to yield	$1039	$177
Speeding in school zone	$1039	$173
Texting while driving	$1039	$177
Wrong way/wrong lane	$1039	$173
Failure to stop at a red light	$1044	$178
Following too closely	$1044	$174
Illegal turn	$1044	$178
Improper passing	$1044	$174
Speeding 6 - 10 MPH over limit	$1044	$178
Speeding 16 - 20 MPH over limit	$1054	$176
Speeding 11 - 15 MPH over limit	$1060	$180
Passing school bus	$1093	$182
In 65 MPH zone	$1132	$192
Open container	$1147	$191
Speeding 21 - 25 MPH over limit	$1147	$195
At-fault accident - less than $1000	$1180	$197
Operating a vehicle without permission	$1268	$215
At-fault accident - $1000-$2000	$1284	$214
At-fault accident - greater than $2000	$1284	$218
Reckless driving	$1563	$260
Racing	$1678	$285
DUI	$1727	$288
Refusal to submit to a chemical test	$1727	$293
Driving with a suspended license	$1814	$303
Leaving scene of an accident/hit and run	$1814	$308

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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 Appalachia 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 Appalachia.

The cheapest car insurance premiums in Appalachia are offered by Virginia Farm Bureau at $175 for a six-month policy. However, it can be as expensive as $2060 with companies like Allstate.

Appalachia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$175	$29
Mercury	$197	$33
American Family	$312	$52
Auto-Owners Insurance Co	$339	$58
Travelers	$519	$87
Farm Bureau	$535	$90
USAA	$874	$147
State Farm	$1115	$188
Erie	$1312	$221
Progressive	$1405	$236
Nationwide	$1858	$313
Allstate	$2060	$347

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 Appalachia are offered by Mercury at $202. However, it can be as expensive as $2262 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Appalachia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$202	$34
Virginia Farm Bureau	$208	$35
American Family	$213	$36
Auto-Owners Insurance Co	$219	$37
Cincinnati	$219	$37
Travelers	$431	$73
Erie	$524	$88
State Farm	$656	$110
USAA	$710	$121
Farm Bureau	$765	$128
Nationwide	$1513	$258
Progressive	$1591	$265
Allstate	$2262	$385

Car Insurance Price Trends in Appalachia, Virginia

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

The average cost of full coverage in the Appalachia rose by $151 in January compared to $83 of December. In other words, there has been an increase by $68 when you compare January and December.

The average cost of liability insurance in the Appalachia rose to $51 in January, compared to $42 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Appalachia?

The car insurance in Appalachia is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Appalachia?

The cheapest car insurance in Appalachia is $58 per month for full coverage.

How much is car insurance in Appalachia for teenagers?

Car insurance for teenagers costs $142 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 Appalachia?

The average cost of car insurance is $716 for a six-month policy. It will cost around $110 per month to insure your car in Appalachia.

Is car insurance expensive in Appalachia?

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

Cheapest Car Insurance Quotes in Appalachia

Why you can trust Way?

How Much Is Car Insurance in Appalachia

Avg. Car Insurance in Appalachia

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Appalachia

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Appalachia Car Insurance Rates by Company

Cheap Car Insurance Companies in Appalachia, VA

Way's key takeaways about car insurance in Appalachia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Appalachia

Cheapest Liability Coverage in Appalachia, VA

Cheapest Full Coverage Car Insurance in Appalachia

Cheapest Full Coverage Car Insurance Quotes in Appalachia, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Appalachia by Rating Factor

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

Car Insurance Premiums by Age in Appalachia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Appalachia,VA

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

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 Appalachia

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

Appalachia Car Insurance Rates by Violation

Appalachia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Appalachia after a DUI

Appalachia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Appalachia after Speeding ticket

Car Insurance Price Trends in Appalachia, Virginia

Average Car Insurance Cost in Appalachia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Appalachia, VA

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

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