Cheapest Car Insurance Quotes in Bailey's Crossroads

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Bailey's Crossroads 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 Bailey's Crossroads

The car insurance rate in Bailey's Crossroads is $791 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $456, making it a popular choice for budget-conscious drivers. Rates in Bailey's Crossroads 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 Bailey's Crossroads

$791

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Bailey's Crossroads

1st place: Virginia Farm Bureau

At $456 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 $559 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 $567 for six months, making it the third cheapest auto insurance company in Bailey's Crossroads.

Bailey's Crossroads Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bailey's Crossroads, VA is Virginia Farm Bureau, offering policies at just $456 for a six-month term. This is followed by American Family, which has an average six-month premium of $559.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1428 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bailey's Crossroads drivers find the best deals.

Cheap Car Insurance Companies in Bailey's Crossroads, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$456	$78
American Family	$559	$93
Auto-Owners Insurance Co	$567	$97
Cincinnati	$574	$95
Nationwide	$649	$109
Erie	$692	$117
Travelers	$744	$125
State Farm	$789	$131
USAA	$854	$144
Farm Bureau	$921	$154
Mercury	$965	$162
Progressive	$1090	$182
Allstate	$1428	$243

Key Takeaways

Way's key takeaways about car insurance in Bailey's Crossroads

The auto insurance costs in Bailey's Crossroads fall around $456 for six months.
The cheapest auto insurance company in Bailey's Crossroads is Virginia Farm Bureau.
Teen drivers pay the highest rate in Bailey's Crossroads at $877 per month.

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Cheapest Minimum Liability Car Insurance in Bailey's Crossroads

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 Bailey's Crossroads are given below.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Bailey's Crossroads. Their Average 6 Month Premium is $191. Nationwide is the most expensive at $619 for the same period.

Cheapest Liability Coverage in Bailey's Crossroads, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$191	$32
American Family	$213	$36
Cincinnati	$258	$43
Travelers	$280	$47
Auto-Owners Insurance Co	$288	$48
Mercury	$295	$50
Farm Bureau	$309	$52
USAA	$309	$52
Erie	$346	$58
State Farm	$376	$63
Progressive	$479	$79
Allstate	$619	$105
Nationwide	$619	$103

Cheapest Full Coverage Car Insurance in Bailey's Crossroads

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 Bailey's Crossroads is Virginia Farm Bureau at $78 per month and $456 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bailey's Crossroads, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$456	$78
American Family	$559	$93
Auto-Owners Insurance Co	$567	$97
Cincinnati	$574	$95
Nationwide	$649	$109
Erie	$692	$117
Travelers	$744	$125
State Farm	$789	$131
USAA	$854	$144
Farm Bureau	$921	$154
Mercury	$965	$162
Progressive	$1090	$182
Allstate	$1428	$243

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Average Car Insurance in Bailey's Crossroads 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 Bailey's Crossroads, VA increasing?

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

Car Insurance Premiums by Age in Bailey's Crossroads

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	$806
30s	Virginia Farm Bureau	$608
40s	USAA	$567
50s	USAA	$532
60s	USAA	$559
70s	USAA	$888

Cheapest Car Insurance Rates for Teen Drivers in Bailey's Crossroads,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 Bailey's Crossroads at $32 per month. At $5259 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	$191	$32
Farm Bureau	$243	$41
Mercury	$258	$43
American Family	$280	$47
Travelers	$288	$48
Auto-Owners Insurance Co	$331	$56
Erie	$1112	$187
USAA	$1436	$242
State Farm	$2556	$430
Nationwide	$3234	$539
Allstate	$3756	$639
Progressive	$5259	$877

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 Bailey's Crossroads.

As young drivers face the highest rates in Bailey's Crossroads, USAA offers the cheapest auto insurance rates at $806 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 Bailey's Crossroads, Mercury is the cheapest car insurance provider. At $273 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 Bailey's Crossroads is Nationwide, offering rates of around $523 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$273	$46
Virginia Farm Bureau	$288	$48
Travelers	$441	$73
Cincinnati	$471	$81
Nationwide	$523	$87

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Save up to $971/yr on car insurance rates in Bailey's Crossroads.

Car Insurance Rates with An Accident in Bailey's Crossroads

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 Bailey's Crossroads, VA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bailey's Crossroads

The cheapest car insurance companies after an at-fault accident in Bailey's Crossroads include AutoOwners Insurance Co and Virginia Farm Bureau, offering $265 and $265, respectively. Encompass is an expensive provider with an average six-month premium of $596.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$265	$45
Virginia Farm Bureau	$265	$45
American Family	$280	$47
Cincinnati	$339	$57
Farm Bureau	$346	$58
Travelers	$353	$60
Mercury	$391	$64
Electric	$471	$81
USAA	$663	$112
Erie	$737	$124
State Farm	$832	$140
Nationwide	$1407	$239
Progressive	$1871	$311
Allstate	$2416	$410
Encompass	$596	$102

Bailey's Crossroads Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bailey's Crossroads VA. For example, the car insurance in Bailey's Crossroads after a DUI increases to $1163 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Bailey's Crossroads auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$193
One Med/PIP claim	$1164	$198
Not-at-fault accident	$1208	$201
Two Med/PIP claims	$1245	$212
One comp claim	$1260	$210
Two comp claims	$1318	$224
Failure to show documents	$1326	$221
Driving without lights	$1348	$229
Child safety restraint	$1355	$226
Driving with expired registration	$1370	$233
Failure to wear a seat belt	$1385	$231
Cell phone violation	$1400	$238
Driving too slowly	$1400	$233
Failure to yield	$1400	$238
Speeding in school zone	$1400	$233
Texting while driving	$1400	$238
Wrong way/wrong lane	$1400	$233
Failure to stop at a red light	$1407	$239
Following too closely	$1407	$234
Illegal turn	$1407	$239
Improper passing	$1407	$234
Speeding 6 - 10 MPH over limit	$1407	$239
Speeding 16 - 20 MPH over limit	$1421	$237
Speeding 11 - 15 MPH over limit	$1428	$243
Passing school bus	$1473	$246
In 65 MPH zone	$1525	$259
Open container	$1546	$258
Speeding 21 - 25 MPH over limit	$1546	$263
At-fault accident - less than $1000	$1591	$265
Operating a vehicle without permission	$1709	$290
At-fault accident - $1000-$2000	$1731	$289
At-fault accident - greater than $2000	$1731	$294
Reckless driving	$2107	$351
Racing	$2262	$384
DUI	$2327	$388
Refusal to submit to a chemical test	$2327	$396
Driving with a suspended license	$2445	$408
Leaving scene of an accident/hit and run	$2445	$415

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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 Bailey's Crossroads 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 Bailey's Crossroads.

The cheapest car insurance premiums in Bailey's Crossroads are offered by Virginia Farm Bureau at $236 for a six-month policy. However, it can be as expensive as $2026 with companies like Allstate.

Bailey's Crossroads car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$236	$40
Mercury	$265	$45
Farm Bureau	$303	$51
Travelers	$391	$66
American Family	$420	$69
Auto-Owners Insurance Co	$456	$78
State Farm	$892	$150
USAA	$1002	$169
Progressive	$1533	$255
Erie	$1569	$267
Nationwide	$1724	$288
Allstate	$2026	$345

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 Bailey's Crossroads are offered by Mercury at $273. However, it can be as expensive as $368 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Bailey's Crossroads after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$273	$46
Virginia Farm Bureau	$280	$47
American Family	$288	$48
Auto-Owners Insurance Co	$295	$50
Cincinnati	$295	$50
Travelers	$316	$53
Erie	$346	$58
State Farm	$368	$62

Car Insurance Price Trends in Bailey's Crossroads, Virginia

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

The average cost of full coverage in the Bailey's Crossroads rose by $112 in December compared to $108 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 Bailey's Crossroads rose to $57 in December, compared to $55 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 Bailey's Crossroads?

The car insurance in Bailey's Crossroads is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Bailey's Crossroads?

The cheapest car insurance in Bailey's Crossroads is $78 per month for full coverage.

How much is car insurance in Bailey's Crossroads for teenagers?

Car insurance for teenagers costs $191 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 Bailey's Crossroads?

The average cost of car insurance is $638 for a six-month policy. It will cost around $133 per month to insure your car in Bailey's Crossroads.

Is car insurance expensive in Bailey's Crossroads?

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

Cheapest Car Insurance Quotes in Bailey's Crossroads

Why you can trust Way?

How Much Is Car Insurance in Bailey's Crossroads

Avg. Car Insurance in Bailey's Crossroads

Avg. Car Insurance in Virginia

National Average

Cheapest Car Insurance Companies in Bailey's Crossroads

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Bailey's Crossroads Car Insurance Rates by Company

Cheap Car Insurance Companies in Bailey's Crossroads, VA

Way's key takeaways about car insurance in Bailey's Crossroads

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bailey's Crossroads

Cheapest Liability Coverage in Bailey's Crossroads, VA

Cheapest Full Coverage Car Insurance in Bailey's Crossroads

Cheapest Full Coverage Car Insurance Quotes in Bailey's Crossroads, VA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bailey's Crossroads by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bailey's Crossroads, VA increasing?

Car Insurance Premiums by Age in Bailey's Crossroads

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bailey's Crossroads,VA

If you are in your twenties USAA is the best choice for car insurance in Bailey's Crossroads.

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 Bailey's Crossroads

Cheapest Car Insurance Companies after an At-Fault Accident in Bailey's Crossroads

Bailey's Crossroads Car Insurance Rates by Violation

Bailey's Crossroads auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bailey's Crossroads after a DUI

Bailey's Crossroads car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bailey's Crossroads after Speeding ticket

Car Insurance Price Trends in Bailey's Crossroads, Virginia

Average Car Insurance Cost in Bailey's Crossroads by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bailey's Crossroads, VA

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

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